Credit Genie
Reviews and Complaints

I’m pretty sure it’s a Ponzi scheme that’s not even worth providing your information to. Any issue u may have, there’s no support to contact other than by email. On top of that u will get a “we got your email” automated response and probably won’t hear from an actual rep for weeks. Again by email. Not worth a penny out of your pocket nor a second out of your day. I can recommend others who are promising, just ask..

Now watch some typical “just saying what they pay me to say” rep respond to this review faster than any service u would get addressing any personal issue.

Wasn’t told that they didn’t work with my bank account until AFTER they got all my info and complete access to my income. My bank was even presented as an option to sign into. They had me sign into it and even get the verification code PLUS click “allow” to give them complete access to my bank account. After waiting while they looked over my banking statements I was told they didn’t work with my bank. Then I was stuck in the app and couldn’t even go back. I had to close the app like that. Real way to provide service when they are expecting people to allow them access to their lively hood.

I must’ve downloaded this app a long time ago and forgotten but I really have never used it much. Anyways, just received a $2.99 charge today out of nowhere from these people, so somehow they charged my card out of the blue without my authorization whatsoever, they don’t have a website, instead you have to use their app that does not work and supposedly hasn’t worked since early October so how I could just get charged out of the blue when the app never even worked for me to subscribe to anything is beyond me. They have one support email that does not reply, i’ll be contacting my bank, thanks

I don’t see why the app doesn’t allow the ability to reconnect a bank account I solely was just trying to fix an issue with not being able to take a cash advance because my account was negative when it wasn’t so I decided to disconnect my bank account without knowing I wouldn’t be able to connect it again I contacted support to see if they can resolve issues I heard one of the devs respond and say some of there users abuse this feature I don’t see how and it takes away from real customers like me that have used the app for multiple advances you guys are going to lose a legitimate customer and if this issue doesn’t get resolved

I attempted to cancel my subscription and still got charged. When I sent an email asking a simple question, the agent that responded was extremely rude and basically told me they couldn’t help and basically I was “out of luck.” They didn’t even try to be nice or polite, nor did they acknowledge my request and question. Then they stopped responding to my emails. I ended up having to change my bank account information due to this. While the service was nice while it lasted, the customer support is rude and will block you without a care in the world as long as they have their money. There are better apps with more caring staff, this should be your last resort!

This was quick and easy! I love it!

I am disappointed with credit genie! I was approved for 2 cash advances and attempted to take another one but was disqualified because my payroll frequency does not meet credit genie guidelines! I am confused my checking account is 27 years old. My payroll frequency is every other week. I called the customer service number in the app and I can never get through! I sent 2 emails and no response. So I attempted to remove my bank info and reenter it thinking something was wrong on my end . Now I am getting a message stating I can’t enter the same account number. This is so frustrating! I need to ween myself off of these Apps because they are nothing but trouble!

I left two reviews yesterday and not one of them are showing up here so it sounds like they are removing reviews or something weird is happening. Anyway, I’ll just post it again.

It’ll work at first (maybe) but screw you in the long run. The $1.99 a month sounds good until you are reminded that you get what you pay for. Their phone number is just a dummy number so people won’t complain about not being able to contact them by phone, and where we used to receive replies in 12-24 hours has now stretched to 5-7 BUSINESS DAYS. I’m still debating on whether or not to contact my bank regarding the issue I’m having as I’ve been MORE THAN PATIENT with these people , but at least I have proof that I tried to resolve this with the company WITH NO REPSONSE.

Don’t even waste your time downloading this app. I downloaded this app to see if it’ll help me but instead it was a scam. They charged me 2.99 just for connecting my bank account and when I was told I wasn’t eligible for any services they offer, I requested a refund and they told me I agreed to the terms and conditions and I knew that I would be charged a fee and they declined my refund request. Thankfully, my bank was able to dispute the charge and put a stop payment on anything they try to charge after that but I was super disappointed in the support this app offers. They are terrible and if you want to save money build your credit you can do that for free there should be no charge in that so don’t download this app it’s a waste of time and money.

At first, I was able to successfully use this app for a cash advance, but then I started getting error messages about being unable to connect to my bank account. I contacted customer support immediately, and they said they were having issues with Plaid that could take several weeks to resolve. However, they had no problem withdrawing monthly fees from my account during this time! I was never able to get it to reconnect after trying multiple times over the proceeding months, and now the developers refuse to refund the monthly fees I was charged despite being unable to use the app. They had no compassion and did not take accountability for the technical problems with their app. How can you continue to charge fees when you know your app isn’t working? It’s a scam!

Beware. This app will charge you 2.99 the minute that you link your bank account. They also will not approve you for any pay day loan, and make it very difficult to cancel and be refunded. I sent an email and still have no confirmation of a cancellation or a refund ‍♂️ Update: I contacted them immediately as I saw the charge show up and asked for a refund and to cancel my account. I received a condescending email telling me that they’ve disabled my account (good) and that they WOULD NOT be issuing a refund (horrible/scam-like). DO NOT bother. Just sort by “MOST CRITICAL” reviews and you will see countless cases like mine. They happily take your 2.99 and then treat you HORRIBLY. There are so many other apps that are much better like solo,Dave,brigit, Albert, etc.

This app is the worst I’ve seen, I’ve deleted it and redownloaded it multiple times after it connects to my bank but won’t “save”. I get emails from my bank saying it’s connected also, and plaid says each time that it’s connected, but the app itself refuses to load or save the information so that I can get an advance. It’s almost as if it doesn’t want you to use the service. So stupid. Save yourself the effort.

Response to developer:
You can only create 1 account per phone number. So I’m not sure how that’s possible with my bank account being connected. And for your reference for further responses, unless things are set up- you can’t access ANYTHING. Nothing shows in the app other thank your name, email or phone number. So there isn’t a way to know who to contact or how long to receive a response.

This might be a long review. This app started out great with no issues. Until last month, I’ve always had auto payments turned on and have never missed a payment. Checked my checking account and two payments plus the monthly fee had been taken out. I went to login to the app and was taken back to the verification process. That wasn’t even the crazy part. I had previously “ over a month ago” updated my new cellphone number with no problem but was asked for my old cellphone number to verify who I was I do not have access to the old number anymore obviously. I’ve been trying to reach customer service for weeks with no response whatsoever. I have sent in two emails with the phone verification screenshots once again and nothing. I’m over this with this Grain. My next steps will be with my bank and ComplaintsBoard.com. I have no other choice at this point.

THEY PROMISE MORE THAN THEY CAN FUFILL. When I used the advance it worked once when the app was newer. Got $100, things were on time for when they said it would arrive, paid it back that Friday. Few months later tried using it again and bank account info was deleted. So it was a pain to get it put back on.. The delay on how long it took to fix it should have been a clear sign of how they would work. This past time, it approved me $20, great because I needed it. Used express delivery (3-5 hours from accepting the advance) and it’s been well over. Phone number for support is always a voicemail… saying their reps are too busy, and email is faster. THIS APP SEEMS LIKE ITS RUN BY ONE PERSON. I don’t recommend using this anymore than ABSOLUTELY NECESSARY. Blank screen when opening app takes 3-5 min to load app, seems like low cost app design. All around poor.

This app was fine until this week. It does not read my bank information. I have installed and reinstalled. I don’t delete my bank account because I will be told I can’t add it for 60days. No help from support and it has been three days. There is no other way to contact support and it’s frustrating. Is someone going to contact me before I delete my bank information and close this account. The comments are very condescending from developers and they advise what we should do, but they are not responding. Their response was poor when finally received.. BEWARE: If you send more than one email requesting assistance, per the response I received, your request will be placed to the back of the queue. They simply have a poor communication method and not enough people to assist. If they did not have such a delay in responding they would not have a backlog of emails.

EDITED TO UPDATE AFTER DEVELOPER RESPONSE:

I did contact Credit Genie via email. No one bothered to respond after several days.

I did not disconnect my bank account, and it’s probably not helpful for you to write back to your users in such a condescending tone. The app prompted me to add my bank account, I linked through Plaid, and then got stuck on a Saving screen. It should never just get stuck on a screen; that is a flaw in design. You should probably take the constructive feedback that users leave instead of writing rude responses. Perhaps listen to what people are saying instead of defensively telling them that they’re wrong. I used Plaid to log into my bank account and then it goes back to a credit genie screen that says “saving” and gets stuck there. It never saves. I have tried uninstalling and reinstalling the app. Same thing. Don’t waste your time

I’m sorry to give this a one star because I can’t reconnect my bank account to get another advance. It’s not fair because my bank lost connection and I only delete it to reconnect when it’s connect was down. It’s was a good app till this happen. Even if they said they would fix customers to reconnect their bank accounts in the near future, the damage has been done and they lost a customer because of their unfair policies.

Update: To clarify my review here. This connection happened before Plaid went down. I borrow from you in November ‘21. After paying it back, I try to apply for another one, but it could not connect, so I unlinked my bank account and try again. You claim customers can only connect their bank accounts once and can’t connect again after it is remove. I knew Plaid lost connection with my bank because it happened with other cash advance apps. I delete your app after you told me your policy, why should reach out to you when I no longer used your app. This review is about my first experience with this app. I knew all ready about the down connection with your third party, Plaid!

update: i think it’s funny how you guys still claim it’s the user who did it. PLEASE send me the proof. i would absolutely love to see it. since i DID NOT disconnect my bank. instead of being so condescending like you all have been towards every review that addresses this issue. it should be considered constructive criticism and feedback to you all. it’s a shame. can’t change how some companies work unfortunately. but you can definitely change the tone. i work in customer service and i always accept feedback whether i like it or not. and i DONT come off rude either.

i recently downloaded the app in hopes of helping me out with my financial bumps i tend to have. it happens. went to go connect my bank since i noticed it was disconnected. now i’m having to wait 60 days to reconnect. when i HAVE NOT disconnected my bank whatsoever. i reached out to customer service, which didn’t get me very far. saying i disconnected it myself and it’s the systems automatic decision of 60 days. which is insane. instead of blaming the person using the app, try and understand that it’s 9/10 THE APPLICATION! i deleted the app because i am not paying $1.99 for someone to tell me i can’t reconnect the same account since i supposedly “disconnected it myself”. i’m not wasting my time or giving you guys my money. i’m also reporting this to apple because it seems like i’m not the only one who’s having this issue

This company is a fraud and rip off. I was billed $4.99 and when I ask to be refunded they advised I agreed to the charge so it was valid. I did not see anything about a bank connect fee prior to signing up or I would have not have done so. Why would I pay a fee to connect my bank account to your app. Looking at the reviews I wonder if a class action lawsuit can be filed against them for unlawful business practices.

This is very cut and dry, I never signed up for this credit genie for any reason. As soon as I noticed the charge. I looked them up on Google, contacted them about this they basically told me no refund. I could understand if I did sign up. But I didn't. Seems like I would of had some kind of confirmation text or email if I signed up. But I went through and looked at all my texts and emails. And nope. Nothing. I wrote them back to explain that I did not sign up for this and that I was going to report the charge to my bank and they have not responded. So here we are. I want my information completely gone from your system and my 4.99 you took without authorization.

Hello I've been getting advances now for like 3 months and I mistakenly deleted my bank account by accident now I'm getting a hard time now trying to get another advance. When I apply and all my information is in the system and its not letting me get an advance. I've been getting the run around about my account from Brianna all I want is my account to be opened by us and I apply for a advance I hit the button by mistake and all I'm getting is change to a new bank account and I can't wells Fargo is all I have

What are my options I need a advance ASAP and nothing is working

Thanks rebecca Thomas

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I signed up for this app about two weeks ago and decided shortly after I didnt intend to continue with their services however the money was already in my bank account. I tried paying my balance $46 to close my account today and I just keep getting the same auto generated message regarding and article with info on how to change my payment date instead. This service is so confusing and whoever the autobot is responding to customers concerns is useless.

I have contacted the Credit Genie support email account twice (once on Friday 8/25/23 and again on Saturday 8/26/23) trying to get my account deleted as I do not need their services any longer. I was told to remove my bank account info, but the app will not allow me to. I'm able to change/update my debit card, but I can't remove the bank account. I was also told (in the same email) that if I wanted to proceed with having my account deleted, send the information connected with my account. I did that, and didn't receive any kind of confirmation. The next time I emailed them (Saturday 8/25), I reiterated that I wanted my account deleted, and I was sent the exact same email I received the day before (asking to send my information). I responded saying I had already sent my information the day prior, and that I just wanted my account deleted. I have heard nothing from them since.

It will not let me get passed the login screen. I put in my credentials. And I know they are correct. Acts like it’s going to log in and then goes right back to where I need to enter my email and password. How do I get past this part ? I pay monthly for this service and I am not able to Use it. I’ve sent an email in regards to this. They stated it was fixed. It is not. All I want to do is login to my credit Genie account

I did not give them permission to take any funds from my account I don't have their app downloaded, I don't recall signing up for their services, but yet im getting charged $4.99 monthly! I don't want their services! How do I make them stop?

I contacted their support and they basically told me " no" on refunding me! I told them I was going to report them everywhere possible, and doesn't seem to matter,they could care less!

For the first couple of months I had no problems with this app and loved the services it provided. However, I’ve reached out several times these past couple of days via email for help with reconnecting a supported bank account to no avail. When I sent my final email stating my dissatisfaction and wanting to delete my account, they simply said okay, bye. You would think they would want to keep customers. Smh

I signed up recently and linked my bank account. I received a message that it doesn’t meet eligibility requirements. I sent customer support an email asking why as I thought my bank met all requirements. This was about a week ago and I never got a response. I unlinked my bank account and tried re-linking it and now get a message that there’s an error so it can’t be re-linked. I’ll look elsewhere for a cash advance.

I wouldn’t recommend this app to my worst enemy. Only a cruel person would do me like they have done me. I got an a FEW advances from them, then they decided not to “support” my bank. I would have never paid back my advance had I known that. I hope they all get what’s coming to them. Such an awful service. I could say more but it would be inhumane..and I will continue to rate this app as low as possible til they fix this

My review will be short and negative. I’m not sure if I’m possibly doing something incorrectly. I get all my information in and connect my bank account. It confirms that it is connected. Then it gets the the dreaded “SAVING” screen. Then the app gets stuck there for 30 minutes longest I have had patience for nothing happens. I close the app and restart then it ask me to connect bank again. Will update review if anything changes.

You stole from my bank account please return my money. Literally had the app for one day tried to see if I could get an advance, it asked a bunch of questions connected to my bank and started glitching so I deleted bank connection as well as the actual account yet I woke up being charged. This is theft. APPLE you are verifying scam apps. Give me my money already called my bank have to wait until charges are done pending but refund it NOW

This app worked fairly well for awhile. Then suddenly told me I needed to reconnect my bank account. Which I did. Then I received a message saying I couldn’t reconnect my account for 6 months. I’ve messaged their customer support TWO TIMES in the past two weeks with absolutely no response. Nothing. Not even an auto-response that they’ll get back with me. It says they have an amazing customer support team… Can one of those people help me?

Hello O I have attempted to connect different banks from online banking all the way up to Chase and all I get is a frozen peach of telling me that it’s easy receiving my information I stayed on that page for over 3045 minutes nothing changed I have opened up tickets no one has responded to it I’m not sure what type of service you guys provide provided me with nothing I would rather get the Klein than just to be ignored Very horrible service

I have been being charged $2.99 out of my account for 3 to 4 months. Never using the service I signed up to see what I would qualify for it you get charge for a bank connection fee literally no other services do a charge like that also when I log back into the app to disconnect the account after learning that this was being charged. It stated that my account was disconnected so how are you able to still debit my account if it is not connected

Like many others, i have had so many issues.
Got my first advance and paid it back on time. Never got approved for another advance. So I’m trying to delete account and they say they won’t until it clears but it has, it shows it on the app.
So they say disconnect bank, but there is no option to do this. All i want is to delete my account i should not have to jump through hoops to do this especially when there is no outstanding balance. Awful company

This is probably the buggiest of the pay advance apps. Has troubles connecting to my bank, will connect sometimes. Pay advance for $5 one day $100 the next day. But if you actually get one, their system is terrible about picking up when your paychecks come out. So mine came out of my account on a Tuesday, and I get paid next Friday ( and my paychecks have been the same for 4 yrs) so I was able to use it for less than a week? Crazy just use a different app!

Where is it anywhere, on your app, that’s says you can get an instant advance for $100, no credit check, no nothing, but if that was the case, I would have $100, wouldn’t I? I don’t know what your requirements r cuz I can’t find it anywhere to see!? I wish y’all would stop saying “ instant advance “ when that’s not the case, your not Dave or Brigit etc etc! If I’m wrong, then show me how to get a cash advance for $100, instantly and that I can just pay it back next payday!

Right after connecting my back the page froze on saving. And it wouldn’t budge. So I tried it again. Same thing. Then I uninstalled and reinstalled. Nothing. So I’m uninstalling. Sorry I couldn’t use this app. Was looking forward to it. Maybe at a later time when they fix these bugs.

Update: I contacted you guys by email and haven’t got a response so I did reach out directly. I’m going to delete and re install and see if the issue is fixed. If not I’ll email you guys again.

I’ve been stuck on the same page for hours and hours. I connect my bank account it tells me success then it goes to a blank page with a G in the middle of it and the word saving underneath it with 3 dots after it like this “saving…” but it never completes just stays stuck there. I’ve tried restarting the app and doing it over a couple times I even reset my phone and reopened the app and tried again that way with the same exact result. So 1 star is what I’m giving this app because it just doesn’t work correctly.