Aspiration Spend, Save, Invest Negative Reviews

Aspiration Spend, Save, Invest App Complaints & User Negative Comments 2024

Aspiration Spend, Save, Invest app received 35 complaints, negative comments and reviews by users. Have you ever had a bad experience using Aspiration Spend, Save, Invest? Can you share your negative thoughts about aspiration spend, save, invest?

Aspiration Spend, Save, Invest for Negative User Reviews

✓ Degrading serviceI’ve banked with Aspiration since the beginning and have stuck with them because I believe in their mission and deeply appreciate the transparency of their mutual fund portfolio management. However, their products seem to no longer be maintained and all the features that make them unique are degrading over time; their impact tracker tracks so few purchases that the feature might as well be retired, their cash back push notifications are completely broken and show incorrect amounts, and for the past five months I’ve had to manually email them receipts (followed by phone calls) to receive cash back at all for select purchases with their Conscious Coalition partners. Last month alone, I was missing $90 in cash back (which they rebated, but I question if the effort to do this every month is worth it anymore). I pay for an Aspiration Plus membership every year, have banked with them since the beginning - even staying as their interest rates continue steeply declining - and yet I feel completely disregarded as a user of their services and like they don’t really care if I withdrew all funds today and closed my accounts..ZrivkapVersion: 2.21.46

✓ Dont do itIn the beginning everything was fine and dandy but Dan suddenly pink started going wrong one by one. Last week my card was compromised so I had asked for a new one in today the balance cannot be seen on the app or on the website I guess the bank is having problems with everybody so they make you tried to feel comfortable by saying that you can just call them and take care of the bank business through the phone They’ve had technical difficulties in the past with me where I have deposited checks and they wouldn’t show for a while the payments take like two weeks to go through. The only cool thing about this bank is that the refund it your ATM fees when you take out money from any ATM however you have to donate at least five dollars to them in order for these perks to be active anyways right now I’m very frustrated with this bank because they are taking forever to fix their technical problem which is being able to see your account balance and to be able to make transactions like make payments oh my word is do not do it I’m going to close out this bank.Chepe HVersion: 2.3.3

✓ Customer Service Need ImprovingThe only reason I’m giving two stars instead of one at this point is simply because I still believe in the values of this company, but the customer service has been terrible thus far. I tried calling the main customer support line to report that my debit card never showed in the mail, but both times the line basically hung up on me because they couldn’t process my issue after going through the whole guided list I guess?? I sent a message through the website that was completely cordial, pointing out a few other issues I’ve been experiencing with this bank on top of the missing debit card and the customer service rep that responded to me was a total jerk!! So dismissive of the problems I was having… uh, yeah dude, I know that I was “timed out for inactivity” on your website, my point was that I was timed out WHILE I was actively using your website; and yeah dude, I know that the issue I had with erroneous pending transfers was rectified, but that doesn’t mean that wasn’t an alarming error in your system which I figured would be good to let your team know occurred etc.. I want very much to like this bank, I really really do. Please work on your customer service!!! And don’t throw one Ernesto M. a raise any time soon….RobinsBobbinsVersion: 2.19.16

✓ Worst experience ever!When I started it wasn’t too bad at all. Fast forward 3 years and it is now terrible! I had an bad charge/debit and instead of reversing the charge back to the lender as a disputed charge they did an “investigation” that took just under 90 days. Their investigation was nothing, they put the blame on me saying I didn’t prove the charge was bad and so I was paying for a charge for something I never authorized nor received anything for. I fought again and the same results, they fought me. I finally called the company the charge was from and they verified that I was correct and send me an email as proof so I could get my money back and I also found out their investigator never ever did a thing to investigate the entire time. I fought that charge for 4 months total AND I was the one who got it done!! I took ever penny out of my Aspiration account after that and I’m done. They called me a liar more then once during that 4 months. And I found out I’m not the only person with this complaint only some others they froze their accounts and would not allow access to their monies. Can you imagine you all of the sudden have no way to get or use your own money??.Katyreigh10Version: 2.17.4

✓ Very concerning…Now that I’m reading CURRENT reviews in depth, I am concerned with the fact that this site keeps sending me on a loop. It keeps asking me to confirm my account with my SS#, so I do. Then I get a pop up stating that I already have an account & to log in. OK…. So I do, with my email & password that I created the first time, then it sends me RIGHT BACK to the SAME page asking me to confirm my social… I do NOT have another account with them under MY social security number! I can’t even get to an account page, because as soon as I log in, it just keeps asking for my social, giving me the same pop up with the same message over & over again. There’s not even an option to log out or do anything on this page! So I reload to the main site, go to the log in page, log in AGAIN… the SAME page with “enter your social security number”, the SAME pop up message about “confirm you entered your social correctly, because you already have an account with us”… so this company literally has my personal information locked away somewhere, supposedly with my Social Security number as well, but I can’t access MY account information & I haven’t even received a card?? This is straight shady business!!!.CWill5184Version: 2.20.23

✓ 3 months and still countingAspiration is a decent bank to use... They are working towards great causes and for the most part they work really well. Unless you need to dispute a transaction. Back in March I filed an dispute and it is currently June and I have not received any updates on my dispute. In fact everytime I call or email about the dispute, they tell me the look at disputes in order and please be patience. I don’t see how 60 days for a dispute is even seen as reasonable. What this translates to me is if my card gets stolen and someone uses a large amount of balance before i catch it, that money will be gone and a dispute would take forever to process. Aspiration is a cool bank to use but don’t make it your primary or secondary bank. Maybe in time they will grow and this will be a non issue but as of June 3rd it takes them over 60 days to address a dispute about 100 and some odd dollars. Be careful....Hideyoshi_XDVersion: 2.19.9

✓ Unreliable & poor customer serviceAs much as I want to like this bank because of their values, Ive ended up keeping my account at another mainstream bank because I just can’t depend on Aspiration. First, I have a check that I deposited 8 months ago that says it’s still under review. Then I stupidly tried depositing another check and got an error message saying that it couldn’t be deposited and to try again later. Rather than dealing with aspiration anymore I deposited it using mobile deposit with my other bank, and there was no issue. Then two days later, I get a notification that aspiration has processed my check deposit, which makes no sense because the app said my attempt failed and I already cashed the check elsewhere. I called aspiration to explain what happened and they were absolutely useless - didn’t listen to my problem and provided no help. Ultimately the check bounced and I was charged a fee by aspiration as a result. So I was penalized for their app/banking error. I will no longer be using aspiration to deposit checks, it’s just too unreliable! Keep your other account(s) so you can deposit checks there and transfer them to aspiration (though it also takes SO long for transfers to go through to aspiration!)..Kmart1815Version: 2.20.41

✓ Terrible.Depositor beware, I’ve had nothing but problems with this bank. They recently switched routing numbers and failed to tell me about this in time, so that a whole series of payments bounced. The tiny amounts I made an interest pailed in comparison to the returned items I had to pay. No apologies from this arrogant organization, customer service is as bad as it can get. I went back to Bank of America, the Walmart of banks, because at least they’re stable. Update: I just received feedback from the review I posted that they doubt they would have changed the routing number without giving notice. The problem is, the notice was not provided in time to coordinate payment arrangements using succeeding sponsor bank. Accordingly, I believe Aspiration is nothing more than a slick marketing company, without being their own ‘real’ state -chartered bank with federal reserve access. Have they been a properly organized bank, they would have been able to manage linking pre-store transactions to a succeeding routing number, for at least a number of months. I stand by my review that this is a terrible organization. Customer service is just awful. Stay away. I had so many late fees, and bounced payments because of their botched handling, and they did not cover any of these bounced payment fees that were not my fault. But for the grace of God, I caught them in time to prevent being reported late on the credit bureau, however. They should be barred from doing business..RRob18WVersion: 2.17.3

✓ Aspiration USED TO Be GreatI don’t know what happened when they switched from being back by Radius Bank to Coastal Community Bank, but it has gone downhill fast. I have been a member with them for 9 years, and they were great when I first started with them. The customer service was on point and my issues always got resolved in a timely manner. The time difference of me being on the east coast and Aspiration being based in California has actually helped me have more time to get in touch with customer service due to me working evenings. After they switched to Coastal Community Bank, my balance has not been accurate. You’ll see my balance say $1,100 and then an $800 deposit will cause it to show as $860 or something ridiculous like that. I’ve had several check deposits in a row, totaling about $300 and my account will somehow show that it dropped from $1000 to $800 after those deposits, which makes no sense. That means I have to do guesswork while paying my bills, because I don’t actually know how much money I have in my account. I don’t know about you, but I think that knowing your actual account balance is kind of important..AriaNozomuVersion: 2.21.18

✓ DONT DO ITDONT DO IT. I thought it was a good idea but when I came into fraudulent charges on my account they are NOT HELPFUL. They throw shade at Chase bank for whatever they feel, yet chase doesn’t mind giving me my money back when a charge is unauthorized. I disputed charges back in December and did not hear back. I called again concerned about more charges and they refuse to help in any way. No new card. No new account. No money back. The customer service pretends they’re helping in all actuality they’re lying. This is an important feature to banking. I need to know my money is secure and it just was not and is not. Upon calling again the woman I spoke to was rude, I attempted to help her understand the reason for my call as I was being charged multiple times in a month for an unauthorized charge. Customer service just tells you that you did make the charge and maybe you just don’t remember. ABSOLUTELY NOT.. At least do an investigation, but no they would rather argue with you than help you. Ridiculous..NikedoesitagainVersion: 2.21.15

✓ Aspiration Plus doesn't deliverI really wanted to like this fin tech product because its environmental values resonate with mine. So when they offered the aspiration plus subscription last year with 10% back at places I support like Blue Apron, I jumped on the bandwagon. The problem is I wasn't getting the cash back for BA automatically credited to my account, so I had to call each month to get a manual credit. I understand we were in the middle of a pandemic then, but fast forward over a year later and the problem still isn't resolved? This is unacceptable. I’ve reached out multiple times via phone and e-mail with no resolutionNowadays, I've waited on the phone to speak with an agent for over 1 HOUR, so I'm losing precious time I could be using to do something else. Oh, and "we'll hold your place in line" doesn't work either. Really disappointed in this banking product all together which makes their paid product hassle-some and frustrating. Please fix Blue Apron cash back for paying subscribers. I’m really thinking of just cancelling Plus at this point..MaryrosasVersion: 2.19.9

✓ Horrible BankOkay, I wanted to like this bank because it has a really good premise and I liked the idea of not supporting the big banks. But omg if you ever have to do any real banking, they are honestly horrible. Can’t get cashiers check which I needed for a rental deposit a couple years ago. I needed a wire transfer for earnest money on a house I tried to purchase and they canceled the wire, causing me to almost lose my offer. They froze my account for no reason. And anytime you get on their customer service line they are completely useless. Don’t get me wrong they are nice on the phone but that is all they have going for them, every single thing I have asked them including simply, can I get a current bank statement since I couldn’t wait for the monthly statement to come out for my mortgage lender to review, they basically told me to kindly kick rocks. And if they don’t they just say “we will notify the people who can help” but every time they have said that, I never receive the help I requested. And you can’t speak to these fictitious people who can actually do something about your problems, you can only talk to the low level support. 0/10 would recommend to no one. I am in the process of canceling my account. Go to a local bank or credit union. Stay the f away from this scam..JsilvrVersion: 2.21.47

✓ Disappointing changesI’ve been with Aspiration since the beginning of 2017. I’ve seen them grow and deal with plenty of hiccups, but I like what they claim to stand for so I’ve stuck it out. At the end of last year, they announced they were changing service providers so EVERYTHING changed, account numbers, routing number, debit card...EVERYTHING had to be updated with direct deposit, auto pay, etc. I was expecting that massive inconvenience to be worth a huge reward, such as a better app, faster processing time, etc. Instead things are worse! The app (which I felt they were just getting right about middle of last year) is worse than ever! It took days for them to process my paycheck and payments are very slow to appear on the record. The notations of “current balance” and “available balance” are GONE! I’m seriously thinking of finding a different bank. This changeover has not brought the promised level of quality to the banking experience..PumpkinKing81Version: 2.4.4

✓ From Good to Terrible - DisappointingI expected some hiccups when I signed up with Aspiration last year going from a big to “small” bank, but thought things could only get better and had high hopes for the kind of bank they “aspired” to be. I was wrong. I have had multiple account issues over the year including extremely slow transactions or balance updates and it was difficult/disappointing that they do not have 24/7 support, but at least during business hours they were easy to get a hold of and helpful. In the last month, it has completely fallen apart. They forced everyone to transfer their accounts and get new account numbers which creates a serious hassle having to switch EVERYTHING over from electric bills to car insurance payments. The actual money transfer was extremely confusing and my last paycheck was direct deposited into my old account due to an update delay by my employer. That money is inaccessible and I called Aspiration where I was on hold for 45 mins before being autoforwarded to voicemail. I did this twice and left two messages and ALSO EMAILED - all before 10am MST. Days later and I still do not have my paycheck or even an email or call from this “bank.” Extremely disappointing....0973628292626Version: 2.4.3

✓ Unfortunate the company turned out this wayI haven’t used this banking service for long, but I was very quickly disappointed in the way it turned out. I haven’t even been able to get my direct deposit set up yet it has been that recent, but I did get $10 sent to my account. When I go to check on it and thankfully find it already pending, I then also see a pending charge from the bank itself stating “Pay what is fair”. This charge just so happens to match my one $10 deposit perfectly. After looking into it I’ve found that this bank is not at all without fees as it had stated. Now thanks to their “legitimate” charge on my account I will not have the gas money I need to get to work. Quite unfortunate, and I will promptly be closing my account to avoid being repeatedly screwed over by this company. Very disappointed..1138Dave1138Version: 2.20.34

✓ I wish I had good things to say.I have had aspiration for a year or so now. I enjoyed the service and the mission they stand by, but recently, I had somebody try to hack into my account. While this sounds alarming, I was able to lock my account in time. The issue now is that aspiration has launched an investigation that has kept my account locked for the past 4 weeks. Having full trust in the company, I had no reason to believe it would take this long, and my monthly bills are already due. Customer service was good at one point, but lately, I have to place myself on a waitlist and be called back after 4-5 hours! Suffice to say I could not wait that long, and I always just barely miss them. This has happened for 4 days straight now....The last few times I managed to get ahold of somebody through email, they mentioned the account was still locked and nothing else mentioned. I need access, at least to transfer funds out of my account, or anything! The situation has become increasingly frustrating, and it has truly caused me to decide whether this bank is the best fit for me going into the future once this issue is resolved..Catx.llamaVersion: 2.19.9

✓ So disappointedI just signed up for the Spend/Save account. What I didn’t realize is that I had a pending application for the Redwood fund from 4 years ago. What this means is that every time I open the app, the first thing I see is my pending application. What I really want to get to is my Spend and Save accounts but I have to scroll down below the giant “complete your application” part every time. This just won’t do for an app I plan to use multiple times a day. I wrote support to see if they could cancel my pending application. They told me “sorry, no.” Completely unacceptable in this day and age when you can open an account anywhere and customer service is king. I wrote them saying that if it couldn’t be cancelled, I would like to close my aspiration accounts entirely since it’s so annoying to use the app. A different customer service rep then assured me that my pending application could be cancelled. 3 days went by and it was still there. When I wrote them to check in on status, yet another, different customer service rep replies, saying she’d be happy to close my aspiration account completely. What the heck? The amount of time and energy I have already spent to try and get this resolved is too much. So frustrating! And what a shame, seems like good products but I am unable to use them. Taking my business elsewhere..Hey_there_asVersion: 2.6.3

✓ Behind the TimesSurprised in these days Aspiration is quite behind with some processes given available technology. It’s crazy transfers between external accounts cannot be performed on weekends. That’s like the old days of going to my brick & mortar bank. One of the biggest advances with technology was being able to make electronic transfers basically any time. Your electronic banking is not offering the advantages of electronic banking. I have two routine transfers from a long established bank & I’ve been doing them for over a year now. But it takes 3-4 “BUSINESS” days for the deposit to be available. You allow a check deposited via mobile banking to be available within 1 business day, but again allow automated, regularly scheduled, electronic transfers to take 3-4 business days. Also, your Customer Assistance is only available during standard business hours, during the standard business week, on PACIFIC time. This is not an attractive online, electronic banking model. Banking with Aspiration, as much as I love your socially conscious model, is just not a convenient method of banking for me..Online Bus ModelVersion: 2.9.4

✓ Total ScamSo they sent out a promotional email offering a $100 bonus if I complete my account setup. The email was received on April 25th. I complete my account set up and fund it with my main checking account in this same day. The conditions were to complete and find by April 30th. Have a direct deposit made and by July 15th an extra $100 would be deposited. Well come the 15th of July. Nothing. I’ve reached out to customer support several times before this and asked about the promotional bonus. These previous reps all mentioned that I’d be good to go and it should be by the 15th of July. Come the 15th I reach out once more and same answer to give it until the end of business day. Well the 16th came and I contact support agin only to have them tell me that the funds weren’t deposited to the account until the 1st of May. The money left my account the same day I processed the transfer. This means Aspiration did not deposit the funds into the account until 1 day after their promotion ended. If there would not of been enough time to qualify for the promotion why would you send the darn email. I’m glad I didn’t switch everything over to this bank. I was skeptical and I’m glad I was. This bank is a total scam. Can’t even find a way to cancel my account. I don’t want to be doing business with liars and scammers..Freakquency369Version: 2.6.9

✓ Was pretty good for a whileI had a relatively good experience with this bank for the most part. That is until I had the misfortune of running into nick the dimwit. I called them to follow up on an email I sent asking for a replacement card be sent to me because one of my three dogs chewed up the card I had. This swampy guy tells me my account is locked, then proceeds to lock my account after hanging up on me. He also said I would receive an email from them, but the only emails I get are to open a new account. Big ups to nick the dimwit for reminding me that you don’t have to be from Kentucky to be swampy, but it sure helps. I later called to tell him I would delete the app and ask that they stop emailing me five times a day irrelevant nonsense now that he’s gone ahead and locked up my account without cause or explanation, and this dimwit asks me for the info on my account that he locked me out. Hey dimwit: 1) if I can’t get in my account, how can I tell you what information you have in my account, and 2) yar swampy, but you probably already knew that. If someone at aspiration with a half a brain happen to read this, then maybe review nick’s conversations, because when a customer says I’m going to delete the app and write a review about the treatment from Little Nicky, the last thing that should be smarter back is “good idea.” My employees would be fired on the spot for that, but hey, it’s a swampy world out there, and good help is definitely hard to find..Cdk1qnzVersion: 2.13.2

✓ UI Leaves Many QuestionsThis review is specifically about the lack of innovation in the data shown to users investing funds in the Redwood Fund through the app. I’ve been using the app for 3+ years and in that time the only information show to users about their Redwood Fund investment is a running list of past investments with the current share price at the top of the screen. Seeing this immediately prompts interest in historical price, yet aside from showing the number of shares purchased in small print by the transaction cost in the running list of past investments, the user has no access to any historical price/performance data of the fund. Huge window of time in which small UI updates could have been delivered the users more data, but there has been no change..JelsertVersion: 2.21.19

✓ Has promise but needs to fix thingsI have been using the checking account for a little while now. In general it’s a nice service and it is great that they refund up to 5 transactions. However there’s a few things that are frustrating. I have made many attempts to reach out to customer support and haven’t once received an answer. Deposits take a Very long time to clear and considering the fact that there’s no physical bank it can be a bit nerve-wracking to ship money away and not hear about it for a week or even 2. And, there’s no tablet version of the app, which is a common problem but always deserves pointing out. However, I do note that this is a free service. So, I don’t judge it too harshly, otherwise they might start charging fees I order to make these fixes. So, for now it’s okay but I encourage upgrades if possible..RukussertVersion: 2.13.2

✓ Invasion of Privacy. Do not trust!!I tried opening an account as I am trying to get away from big banks. In my bank I have both my business and personal accounts tied to the same login. When I went to link up an external deposit account to fund aspiration I accidentally selected my business account. During the application process aspiration disabled the account and requested I send in Bank statement for that account. I told them I would not, that’s a business account I accidentally selected and to use my personal account. I said I don’t want my business account attached to aspiration at all. Even asked them to cancel my application and start over. They would do all that but they insisted I send them bank statements for an account I will not use for this company. Invasion of privacy!!!! I will not give them statements on an account that will never be sending money to this aspiration account. Their refusal to reverse that and let me use my personal account is externally disturbing!!! I do not trust any “bank” that requests info on an account that won’t be used. Why not give them my entire financial scores for everything I do while I’m at it? No thank you!!!!!!!!.ScorpnetVersion: 2.13.1

✓ CLOSE YOUR ACCOUNT IMMEDIATELYI’m not surprised the first review I read is a two star review about the inept customer service of this company. They offer promos for signing on with them as long as you spend a certain amount within a given time period. I could not transfer money to my account from my bank. Aspiration kept kicking it back. I called them about this multiple times letting them know I needed more time to spend the money because I couldn’t get money into my account. Everyone I spoke to said “we’re working on it” you’ll see an email with a decision soon. Soon became 4 months and no word. I called today and got irate enough to get an supervisors attention. They claim they sent an email to me and could see “I opened it but did not click a link to accept an extension for their promotion” I’ve scoured my inbox and can find no such email and if I had opened it, this review would not be happening. They say because Ii didn’t not click the link, they are not going to honor their promotion. They had no interest in helping, even though I was saying I would close my account. Close your account with Aspiration and find a brick and mortar bank that actually gives two craps, so when you have issues, you can look someone in the eyes and get your problems solved with real empathy. If you want apathy, customer service who either does not know what they’re doing or wants to just be lazy and empty promises, stay with these people..SherrodmwVersion: 2.20.24

✓ Persistent Time Zone IssueI’ve reported this issue in the past but it still persists. If I attempt to make a transfer to an external bank right after midnight Eastern Time, I cannot schedule the transfer, likely because while the local date is now March 9, the Pacific Time zone is still on March 8. The notification I receive is that the cut-off time for transfers on the same day is 2:00 PM Pacific. Thus, even though I’m scheduling the transfer after midnight to occur on the same day, way before the cut-off time, the programming logic doesn’t recognize that the date is already different on the East Coast and throws an error. Last time I reported the issue, I was asked to reinstall the app, clear the device, submit screenshots, even though I clearly defined the problem, and frankly I couldn’t afford the time or effort to jump through hoops and fight the red tape. Please contact your developers. The BSA should be aware of this and figure out a way to remediate the problem. Thank you..DOS XPVersion: 2.13.2

✓ Chronic bugs in app and poor customer supportI signed up for aspiration because I care deeply about the environment and wanted to stop supporting fossil fuels in my banking. Unfortunately I had a bad experience with aspiration from start to finish. I tried about 5 times to transfer money from other accounts into my aspiration account over the course of about a month, from both the app and the website, and it didn’t work any of those times. Support told me the engineers were looking into the bug. I work in tech and the concept of not fixing a bug in a BANKING app that prevents people from getting money into and out of their account blows my mind. During this time I wrote a couple checks that ended up bouncing and costing me $70 in fees. When I asked aspiration to repay me for this they went radio silent. I haven’t heard from their support team in 3 weeks despite multiple attempts to get in touch. I fully support what they are trying to do, but the execution is way behind where it needs to be, sadly..Emilyv1212Version: 2.20.7

✓ Contacting Better Business BureauMy humble check has been held for 9 days. I have a family and we are all screwed by Aspiration’s scheming. I have contacted support numerous times and the best I got was “your check will be deposited in 5 days”. Their customer service team is unhelpful, poorly trained, and dissatisfying. I would probably get more people-oriented service at a Wells Fargo. Aspiration bank is just as crooked toward their customers!! Their charity schtick is probably a scam to attract new account openers. DO NOT TRUST THIS BANK. I saw the reviews and tried to close my account but after three tries support would not help me. Two weeks later I accepted that I would have to bank with them and I deposit my monthly, official check. AFTER I deposit I’m told I will have to wait 5 business days. This is unacceptable!! When I talk to support they tell me to wait 5 days and that there is nothing they can do. 2 days later I get an email saying “thanks for depositing your check, it will be available in 5 business days.”. It has now been 9 days. I’m indebted, my family is in danger, and I have $7 to my name. Do not use aspiration bank if you want to, I don’t know, USE your money..OkeypokeyjerzVersion: 2.6.1

✓ Worthless bank with useless staffAspiration is one of the most worthless and quite frankly, utterly useless “banks” I have ever encountered. Thankfully my unfortunate mistake of signing up with Aspiration; will be other people’s gain. I will have no problem describing what a pathetic joke the feeble attempt at providing customer service Aspiration and its intellectually deficient staff provide. I can only imagine how it would be nothing less than a total embarrassment if I had to admit to people; that I worked at, or was in any way associated, with such a disheveled, and unbelievably pathetic wreck of a company, that Aspiration truly is. Seriously. I would say that perhaps Aspiration can bilk their investors out of more money so that their totally incompetent and worthless robot customer service staff could be trained on what “customer service” actually means. Alas, I believe that would just be an exercise in futility. I simply cannot wait to be the first person in line to attend the party that will be held upon the news of this company’s inevitable, and 100% deserved, abject failure. I can hardly contain my glee because the thoughts of Aspiration being dissolved into total non-existence is a delight of which I will always be ready to enjoy. Always. TL;DR - ASPIRATION AND ITS USELESS ROBOT CUSTOMER SERVICE STAFF ARE GARBAGE - JUST LIKE THEIR “PRODUCT”. STAY AWAY FROM THIS FRAUD!.SF Christopher08Version: 2.5.2

✓ Mayhem migration, account balance errorI had to get a paper check for my last paycheck in order to mobile deposit it during the misleadingly termed “upgrade” Aspiration abruptly rolled out recently, and for some stupid reason it has been days and still the deposit hasn’t been reflected in my account balance, which means I can’t pay my rent on time this month all thanks to Aspiration. This “upgrade” is just a migration from one third party checking account partner to another except with that Aspiration is sneakily yanking the competitive APY they used to offer so it goes away for the checking account portion of the account, meaning you have to constantly shuttle cash to and from the spending portion to take advantage of it. Not that they tell you this since there was basically zero messaging during the rollout and customer support is virtually nonexistent. Aspiration literally contradicted its previous partner Radius on whether users would have to close their old accounts after the migration, and I still have no idea what the truth actually is on that one. Gonna be switching banks as soon as feasible, this bank has been a total nightmare..Mr_bellisVersion: 2.5.4

✓ What is this shadiness?First off, they will send a debit card, and it will work like a debit card should. There are no fees unless you want to pay some amount. The rest, however, is a shady bait-and-switch operation. You want to feel good thinking that Aspiration doesn’t invest with unsavory entities like big oil, provided Aspiration is even telling the truth. Aspiration claims to give a rating for places you shop, but these aren’t readily available (I understand small businesses can’t easily be rated from afar, however). Aspiration claims to give cash back on all purchases, but that’s not true – it’s cash back on *some* purchases. When I opened my accounts, it was with the promise of interest to be earned with no minimum balance, as long as a deposit of any amount is made. After a few months, I’d earned no interest on my small deposits and balance. I checked the FAQ to find that Aspiration changed its requirement for earning interest to be a deposit of $1000 (I no longer recall if that’s the minimum balance required or if Aspiration requires $1000 in deposits monthly), and Aspiration never communicated this. Internet banks offer higher interest, so it’s not worth placing your money with Aspiration for better interest, either. It’s been disappointing, and it’s certainly not the transparent, ethical operation it claims to be. I fail to see any benefit..Kitten LitterVersion: 2.9.3

✓ Worst customer service on the planetI am so disappointed in this bank. I need to send an urgent wire transfer, and Friday I spent two hours on hold listening to horrible music and ignoring important phone calls, only for someone to pick up the phone and immediately hang up. Today I tried again and asked for a phone call, only to get a voice Four hours later telling me sorry you missed me and basically to checkout the FAQ. The thing is, to send a simple wire I have to go through this process twice, which means even if am lucky enough to speak with a human the first time, lightning would have to strike twice for me to speak with a human a second time for the wire to go out. And last time a third and fourth time because the wire team is so incompetent that they couldn’t even send the wire Until almost a week after it was requested. My mother almost lost her home because of Aspiration incompetence and terrible customer service and wire system, and now that I have to send another wire for my mom am terrified that if it doesn’t go through my mother will lose the deposit and the house, just because I made a terrible decision to choose the bank with the worst customer service on the planet..Nesdaniel9Version: 2.19.9

✓ Off-Shoring, Lack of Support for Fraud, etc.This company was fabulous when I first went with them in 2017. I recommended them to everyone I knew. Now I’m waiting on hold for a supervisor because I’m literally being robbed by the company itself. Why? Because there’s been a security breach. And the way I found out is by Aspiration calling me(which, btw, they state they will not ever do… for security purposes..) from their own phone line, which they’re now saying there’s no record of… I am so sick of this country off-shoring. This is what happens. And I make next to nothing and rarely have more than $500 in my account. Imagine if I chose to invest..? Or if I had shared personal info with the people who called from their own phone number? This is unacceptable. I’m sorry, but there’s just no excuse for a company that is supposed to keep your money safe to have a breach that’s THIS bad, and not have a 24/7 line to call for fraud..ChettiblueyesVersion: 2.21.32

✓ Locked out of Account - 8 days and CountingAfter 4 months of testing the waters with Aspiration, I decided to go ahead and use it as my primary bank. I set up direct deposit and transferred more money into my spending account. The next day I was locked out (for reasons they refuse to share), and have remained locked out for over 8 days. I’ve called customer service twice. The first told me to submit some documents and then hung up the phone on me when I asked what triggered the lock out. The second time, customer service told me they would look at my account that day (it’s been 2 days and no news yet). If new Aspiration users plan to use this bank full-time, I highly suggest you have a back-up bank or just use Aspiration as a back-up or to use them not at all. It’s not reasonable to be locked out of your bank for over a week and not have access to cash. Customer service has unfortunately not been helpful to push me out of this limbo..Lockedout&frustratedVersion: 2.5.6

✓ READ THE FINE PRINT!!For everyone who thought it was too good to be true, it is. From their email: "To earn 3% APY (5% APY if customer is enrolled in Aspiration Plus) interest on...balances up to and including $10,000 in any calendar month, customer must spend $1,000 or more, monthly, with their Aspiration debit card... money transfer vendors (...CashApp, Venmo...) do not qualify towards the $1,000 spend requirement. Balances over $10,000 will earn 0% APY (0.10% APY if customer is enrolled in Aspiration Plus). If the requirements are not met each month, the APY will be 0% APY (0.25% APY if customer is enrolled in Aspiration Plus) on Save Account balances up to and including $10,000” Plain language for anyone considering: the most you can get in interest is $500 a year, ONLY if you stay BELOW a $10,001 balance AND spend $1000 a month with your debit card AND pay $72 a year in fees. Also, if you read the reviews here and in Reddit threads this bank is so sketchy. So mad at nerdwallet for the recommendation..ATXrexVersion: 2.20.6

✓ Complete trash.I’ve had this app for less then a month. I decided to have my unemployment direct deposited to this account. I gave aspiration the direct deposit info a week before the transaction would be done. Well when payday came my money is nowhere to be found. I send an email early in the morning around 6am. After not having any response for 8 hours I call customer service. Which they tell me to call where ever the direct deposit was coming from. I did, got the trace ID and called aspiration back. Now I have to wait for them to file a dispute and they have no time frame for when I’ll see that money. I’m ON UNEMPLOYMENT, which means I’m broke currently. So how will I pay my bills!?!? Maybe the electric company will take your dispute tokens. I don’t know how this app gets 5 stars. It takes almost a full week just to transfer money from your bank account to their “bank account”..1sec from boredomVersion: 2.20.21

Aspiration Spend, Save, Invest works most of the time. If it is not working for you, we recommend you excersise some patience and retry later or contact Aspiration Spend, Save, Invest.