I just had the most mind blowing experience with Bluebird American Express.   I have finally spoken to the world’s dumbest customer service rep in the world!   A few weeks ago, I decided to do a sweep of my Bluebird account and have the funds send directly to me.   Since there is a fee for taking money out using an ATM and since there is usually so low dollar limit like $300 or so, I usually opt to take $1000 or more at a time by writing myself a check through BillPay.

Well it’s been two weeks and the bill has yet to arrive so I called up to find out where the check is and the agent was quite literally the world’s most stupid person.   She insisted the check would have gone out and been received within 1 to 2 business days and I kept telling her that was not humanly possible because the address was a residential address and not a business much less an electronic funds transfer.   The agent could not conceptually understand these basic components of banking and how money moves from point A to point B.     I even tried to walk her through how if a check or any piece of paper is mailed out of New York to say Arizona or New Mexico, it cannot possibly get there in one day or two using the regular mail system.   If you’re using FedEx or overnight service, of course, but not if you’re using the USPS without paying some hefty fees which I doubt Amex does to send a check out.

I ended up wasting 20 minutes with her on the phone and was no better off than I was when I started the conversation.  I’m going to wait a few more days to see if the check arrives but if it doesn’t I’ll need to put a stop payment on it and I’m dreading how long that will take with these brain dead agents on the phone.

I was excited when this service first got started primarily as a way to transfer funds to my kids accounts but I’m probably going to end up closing all my accounts after I clean up this mess.  I just can’t trust my money with a bunch of idiots.  This is very surprising given it’s Amex but it is a product targeted for the “Walmart” shopper and not higher income individuals so maybe I should have avoided it altogether the way I avoid Walmart.   I feel sorry for the poor people that use this service and may have difficulty with English because the rep was so stupid that anyone with even a small problem with English would have no way of communicating with the rep!