Dave - Banking & Cash Advance App Negative ReviewsDave, Inc

Dave - Banking & Cash Advance Negative Reviews

4.7
4.78913 star

Total 16 Negative Reviews

Dave - Banking & Cash Advance App Complaints & User Negative Comments 2024

Dave - Banking & Cash Advance app received 16 complaints, negative comments and reviews by users. Have you ever had a bad experience using Dave - Banking & Cash Advance? Can you share your negative thoughts about dave - banking & cash advance?

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Dave - Banking & Cash Advance for Negative User Reviews

Dave is great… BUTWhen in a pinch it’s great to know that you can rely on Dave to get you to payday. I’ve used it several times and I’m very grateful for its existence. However, the app is extremely controlling over how you use it. It takes way too long to update your “available balance” so, if you want to pay back manually, it may not let you because it doesn’t detect that you’ve been paid. I understand this is meant to prevent overdraft, but cmon, I don’t need a babysitter. At least allow me to override this so I can get on with my life. I know how much money is available in my account, and I also know that it may not be there anymore when Dave automatically tries to collect- which is why I would love to pay back manually without being told I can’t. I’ve had to email support a few times to get an “alternative payment form” emailed to me, which just makes it even more annoying. The budgeting features of the Dave app also suffer from inaccurate or out of date information regarding the available balance of the account in question, because it takes forever to update. If your looking for a payday advance, Dave is great just be ready for some frustration when it comes to what seems like basic function. If your looking for a great budgeting app, keep looking..Version: 2.52.0

Lost $1000 due to fraudulent chargeI’ve never left a single negative review in my entire life but hopefully my experience helps someone else not lose over $1000 due to fraudulent activity that was proven to Dave’s customer support. If anyone wants proof of all this, I’m willing to show it so that you know my story is verified and true. This is what happened. My account was hacked. Someone was able to login and make a purchase of over $1000 that was all the money in my account. Any other bank wouldn’t allow a charge like that to go through. You would get a notification saying there’s been suspicious activity and you’ll be asked to verify that charge. Especially, when the amount of purpose is exactly all the money in your account and placed at a vendor based in China that you’ve never even used once. So many warning flags. Dave Banking has insanely low security. The fact they don’t have a system for a suspicious charge like that and allowed the charge to go through with a single notification to me is just sad. So I spent hours talking to their customer service. They told me to submit a case which I immediately did. Not only did I not receive the money back ever, they closed my account without telling me, making me lose over $1000. I’ve been kindly trying my best to reach out to them but no one on their team is willing to help. Hope someone else reads this and changes their mind about using this bank..Version: 2.70.0

Hacking turned in to financial ruinsI hope your account never gets hacked. My account was hacked due to me stupidly trying to join into their sweepstakes the day before I was scheduled to go out of town. After the hacker attempted to get in I was locked out of my account as well. I reported the hacking hoping that I could regain access to my account. Instead I was told that corporate had to fix it but my card should still work. Later that day I attempt to use my card and was denied. I called again and they said my account has been closed. I would have preferred to have some type of warning before they took it upon themselves to Lock me out of my funds. I could have wired the money to my cash app with out having to go into the app and then they could have closed the account but no. Now I have to wait 14 days for them to make sure no transaction have to go through as well as up to 4 weeks for them to email me a check. I did enjoy the app for the time but seeing how they handled the situation I no longer will be using it. If you think you got hacked and your funds are still showing up when you call and check your balance, please transfer your funds before you call them to report it so you don’t have to go through what I am. It seems that not all of their employees know the process and may give you a false sense of security..Version: 3.1.0

DisappointedI discovered Dave when I was in college and first living on my own. It was a great help to learn to manage my money and be able to have an extra hand when I needed it. However, I recently decided I was going to open an account with them instead of just using the service linked with my current bank account and when I attempted to do so I was given an error that my identity could not be verified so for security reasons I could not move forward. No big deal I can just upload documents to verify that I am in fact myself. Wrong, after hours of searching for a way to do so I finally reached out to support. I was told that not being able to verify my identity could be for a number of reasons (all of which are listed in the FAQs which I had read multiple times at this point) and therefore I could not move forward. I explained that I understood and thanked him for getting back to me in a timely manner and went on to ask if there was anything at all that I could do to verify my identity. When I got the response I was a little shocked to find out that there was no way I could verify my identity and therefore could not open the account. It’s quite astonishing and disappointing that if I do something such as move and my identity cannot be verified because my records no longer match Dave’s then I cannot open an account. I believe there should be a way to get this resolved but none the less here we are..Version: 3.22.1

Locked Extra Cash for my “Security”8 days ago I went to cash in my extra cash from Dave. I kept receiving emails that I was approved for $400 and I use Dave almost every month and have for years. But this was a new thing. Not an advance as I was accustomed to but now called “Extra Cash”. When I attempted to access it I received an “Account Locked for your Security. Please contact member success to gain access”. I did, received instructions to email 60 days worth of bank statements and a screen shot of my account balance. I followed the instructions and did as was requested. Then waited. Over the last 8 days I have contacted Member success by email, chat and telephone no less than 20 times.i have sent the required information at least 4 times and I have watched my cash approval slowly drop. $400, $300, $250, $200 and now I am at $125 and STILL locked. I understand that amount approved varies and is redetermined every 24 hours and it reflects your bank account amount and activity. But I really needed the $400 when I tried to get it and my account was locked keeping me from accessing it. And now the amount is almost laughable. All I want it some help and I’m. To getting it. It’s not ver nice. They also continue to email me telling me I’m approved for extra cash and to get it now! I’ve also received a few receipts stating I have transferred the money and it’s on its way. Which has never happened. Sad..Version: 3.7.0

APP WORKS GREATUsually never do reviews but i HAD too for dave. i been using dave for a while and it has been helping me keep with gas and food until my next paycheck. i love the fact that it sends the money asap if you ask for it early enough. they start you off with a $75 limit which mines has just increased to $100 because i use it so much and have it auto drafted back out to pay. also as soon as you do pay it back you can request more next day which is helpful especially if that money you had to pay back is something you may have needed for something else. so it literally helps keep money in your pocket if you have a job. these are all great things about dave but the reason i wrote this review is because of the way dave handles getting their money back. i just moved to another state and got some money from dave to help with that. i just found a job in the new state but i haven't been gettin paid yet so i am behind on my pack-back to dave. I JUST WANNA PRAISE DAVE ON NOT TRYING TO TAKE MONEY OUT OF MY ACCOUNT WHEN ITS NOT THERE. they check 1st which is so nice cause alot of us using the app are already not very financially stable or literate and we need all the money we can get and getting this overdraft or ach fees really hurt us more than you know. I hope you read this developers cause i just wanna say THANK YOU. THANK YOU. THANK YOU. and i start my job soon and im not in debit THANK YOU!!!.Version: 2.35.0

Extremely Difficult to Cancel MembershipThis company is a joke! I downloaded this app after seeing a few ads and signed up for the $1 monthly subscription to pull my personal checking account info and balance into the Dave app. This was the first mistake. I decided about 1.5 months later that I would probably never use the advance payment service so decided to just cancel the subscription and discontinue their access to pull my banking I go through the app. This is when this app becomes a nightmare!!! I went to the account management option in the menu and it shows you have to send their account services team a message to cancel. I sent the message to cancel the subscription and was told by their team that I had to verify my physical address, last 4 of my SSN, and date of birth to close my account. I complied with their request and sent the info Dave's Account Management team requested. Days later, I get an email from them stating that I would now have to send them a copy of my drivers license, along with a selfie photo to verify that it's me prior to them canceling my subscription. Mind you, this type of verification was not requested to open an account with Dave. I did not comply with their request and found a way to beat them at their game. Let's just say that I play chess and not checkers. There's a way to go around this. AVOID THIS APP AT ALL COSTS!!! RUN!!!! I have no doubt in my mind that this is some type of identity stealing scam..Version: 3.5.0

If I could do less than one star I wouldOmg this app is easily the worst. It used to be so good but now it’s just chaotic and unpredictable. It used to only payback advances on your payday. Now it’s CONSTANTLY automatically taking the money back a full week before you get paid. So trust me, you WILL be left scrambling trying to figure out how to pay Dave back. There’s no point in taking an advance to hold you over til you get paid, when it doesn’t wait until you get paid. I thought I had $200 to get food for me and my child and I go check my bank account and it’s actually in the negative because Dave started repayment knowing I didn’t have enough to cover it, which is why I asked for the advance in the first place. So thanks Dave for leaving me and my child hungrier and poorer than we were before we bothered with the app. The point of this app is completely lost if they’re going to operate like this and if money is tight for you, I suggest you avoid this app because it will make finances even tighter for you, by taking money out before you’re ready to pay it back. I’ll probably just get an automated, canned bot response to this review. If you’re reading this, understand you’ll get the same customer service response if you ever need it. Nothing more than an inconsiderate, canned response that shows they don’t actually read anything you say to them, they just program a computer to look for specific words so they can automate a generic response. It’s really that simple..Version: 3.45.0

Stay Far awayFRAUD ALERT: Do not use this service. I set up the account got approved for about 200 on cash advance. Selected a $100 advance and selected an hour delivery to my personal card. I then tipped the company as well. That was done around 11:30. By 1, I hadn’t received anything so I contacted them through chat because I could see I had a $-110 balance and my disbursement was still pending. After not hearing back around 4 I contacted the live chat agent who gave me several different excuses before he said my request was unsuccessful. I didn’t get an email, notification, bird mail or anything to let me know this. They gave me a phone number to contact. When I contacted the number it stated my Dave spending account was closed. The live chat rep tried to argue me down that my account wasn’t closed even though the automatic voice said it was. This app is more trouble than it is worth. Pick something else. Now I can’t even cancel anything until the payment is updated because the rep said since it didn’t go through that it would take 2 days to clear it. Now they can be all in my bank account for two days smh. Please star far away. Update: I have closed my account because after opening an account with Dave someone stole my information and used it at a gas station and tried to use it at a baby store in areas I’m half way across the country from. Despicable. I’ve already contacted the bbb. Run don’t want away from this app. !!!!!!! Worst app ever !!!.Version: 3.32.0

Great at First, But Eventually Experiences IssuesInitially I was skeptical to install and use an app requiring entry of my banking account info, but after reading dozens of mostly-positive reviews I decided to give it a try. Entering my bank account info and inputting my paycheck schedule was quick and easy, and not long after the verification was completed I requested and received a $75 cash advance. Over the course of a couple months I requested and received three $75 advances, each of which was paid from my checking account on the scheduled date. However, this week I attempted another advance but the app reflected it did not register my most recent paycheck, thereby limiting to $20 the amount I could advance. Upon trying to update the paycheck schedule (which has NOT changed, mind you), the app informed me it could not offer advances based on manual paycheck entry. This issue was something I read in many reviews, but I opted to continue with the installation and use of the app. Now, due to the frustrating glitch in the app’s ability to record my always-on-time paychecks and other, static monthly deposits, there really is no point in keeping the app on my phone. Currently I am evaluating the use of other, similar apps, as I see no need to maintain the Dave app because it no longer properly records my paycheck information. I’m glad I waited to write a review because it allowed me to experience both its pros and cons..Version: 2.9.15

Going backwardsLet’s start by saying the when I first started using this app it was working fine, now I have been trying to use it for a while now and it was stuck on the screen that said a verification for the bank account was needed and it should take two days, I’m wondering how you guys count your days because it was displaying the same message for over a month, I tried to do the process again and after I linked my bank account for the second time it took me to a screen that requires me to verify all my information again including bank account and routing numbers, once y put my information says my bank account number it’s not correct and I know what you are going to say you probably did it wrong try again, well surprise it was done multiple times and by different people now one out of two everyone it’s making the same mistake or your app has bugs, I think it’s safe to say the second option seems like the right one, I know you will give an answer saying you are really sorry and that you will look into it, save the time and use it to improve the app and please add a phone number to contact your customer service if you don’t have a card other wise it won’t let you do anything because all the options that you have online are useless or at least don’t solve my problem specially since my screen it’s stuck on the part asking for my bank information after I linked it electronically. By the way I uninstalled the application. So keep it up..Version: 2.18.1

Missing fundsProbably the worst mistake I’ve made ever going with Dave Banking. The customer service is no different than a robot, they have lines and a script they go by. They do not help resolve any banking issues whatsoever. I use cash app to transfer funds between myself and fiancé. I’ve always used them no problem. My fiancé sent me a large sum of funds through cash app. I transferred those funds to my Dave banking account. They haven’t been deposited to my account because Dave claims they don’t support the cash out option. That’s a complete lie because I’ve used cash app with my Dave no problem. They told me the funds will be deposited to my account within 3-5 days because they never showed in my account. After the fifth day a woman told me she sees the funds and they will be deposited that day. I waited till the next morning. Still no funds. I called again. They claim it couldn’t be deposited cause the source couldn’t be determined and they say they sent it back to the creditor. Cash app has done great helping me track my funds and told me Dave never sent anything back. I called Dave and told them that but still tell me they sent it back. I asked for proof of that, and they could not provide anything to set my mind at ease. DAVE BANKING HAS STOLEN MY FUNDS AND WILL NOT RETURN THEM OR GIVE ANY HELPFUL ANSWERS. If it can’t be resolved I plan on contacting BBB and also my attorney to proceed with an investigation..Version: 2.43.0

Not Helpful & A Thief In The Night!I CANNOT recommend this app!!! I’ve been using the Dave App for approximately seven months now and so far it has been mostly frustrating. After taking the time to apply for a spend account and uploading my driver license, Dave rejected my application because they couldn’t verify my identity. Weird because I have been at the same address over six years my license address matches and I have credit &bills consistent with this. Okay, so even though I’m not elected eligible for a spend account Dave allows me to get advances on my monthly income. Great, right? Not really because Dave pays himself back by going by when my credit union last applied my monthly direct deposit. The problem is, is that my credit union deposits the money the moment they receive it which could be different dates every month but Dave doesn’t take this into consideration so he has overdrawn my cu account on a few occasions which is the opposite of what Dave’s main objective is! I have contacted CS several times about it and they have been no help and only repeating what the last rep said or telling me what I already know! To top it off I am being charged for using the app because I don’t have a spend account. Ugh! FRUSTRATING to not have this issue resolved. I will be closing my account since it really serves no purpose but to borrow from at ridiculous fees and to overdraw my cu account costing me even more. 😒 Thanks Dave..Version: 2.55.0

BE CAREFUL & customer service is HORRIBLEDO NOT depend on Dave. They will change up the amount they are willing to lend very last second and they will change up your settlement date, too. I happened to get reimbursed for travel expense by my employer in an off cycle direct deposit (not payroll direct deposit). As a result, or so the guy said, they changed my settlement date and I missed it - I had used them for so long, I missed it (apparently) when I finalized my request. They also don’t email about the settlement until the night before, when it’s too late to change/cancel. The chat is not helpful at all; you just go round and round while it gives the same message (FAQ links). The customer service #, which took too long to find, puts you on hold and the person who answers obviously doesn’t know what they’re talking about, or is looking at something way different then what is actually in the app. He told me I had to go into the account settings and adjust my pay period myself because it shows weekly (all of a sudden). I looked and it clearly says bi-weekly with a payday a week later than what they are now suggesting. They recite the same 4 lines even if you are currently speaking. “It’s too late…48 hours…BLAH. BLAH. BLAH.” It’s quite the joke. If you can avoid it…DO. I will not recommend anyone to this app. Unreliable in a time where we can all use some HONEST help. Not another place to take advantage of us..Version: 3.27.1

They are slowly going downhillHave been a user for years, just to use the extra cash to give my credit a little boost. But everyone beware. 2 weeks ago after my direct deposit hit the account, I was locked out. Reached out to customer service via phone, and instead of letting me talk to someone it gave me an automated message that I should have received an email to send in some documents to verify my identity. I didn’t receive an email but provided said documents (Drivers License and bank statement to linked bank account) and within hours I didn’t hear anything so I called back and it said my account was closed. No reply to my email or anything. After reaching out to support via their website I received canned response after canned response. No real person addressing what just happened. Fast forward over a week and I receive a check in the mail for my money in the account. I deposit it into my regular checking account, and get an alert from my bank that they cannot verify the funds and have “Confidential information that the check may not be paid” and now I’m waiting again for 10 days to see if it will. It’s bad business and a crime to write bad checks. Someone needs to do something about this company and their nonexistent customer service. Don’t worry though the CEO is happy to post all over about their expansions, all while stealing customer money..Version: 3.27.1

ReviewI very much appreciate your help, the only thing I have a problem with is that you ask when do I get paid and I put monthly. I guess Social Security, disability on the first, SS on the third. But yet what I do asked for a loan you do two weeks, which puts me sometimes overdraft. But, this time I had two different things to come on my account that shouldn’t have I wasn’t expecting. I have a 92-year-old art who wanted me to visit, and her daughter that has cancer and there’s no hope for recovery. I think God for allowing me to come. I flew I didn’t know now you have to pay two chicken suitcases. So $60 I had not planned to spend. I knew I was on a tight budget, I make sure my phone went and met another bill paid, but I order something and it was supposed to be in free charge me $50. So I’m trying to get home and I need at least $100. I think you for 25 dollars. It’s not enough but it helps so you see you is no he did not help me much. And the fact that in the past because you did two weeks and I was desperate for that long it cost $72 to be taken out of my account overdrafted so have you help me no and that is happened more than once. You say one thing and do something else when I first started I said but after that 2X bar I have to find other ways to try to make up when I can’t get it from you I would doubt but thank you anyway for what you’ve done I know you don’t have to..Version: 2.48.0


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