FloatMe: Instant Cash App Negative ReviewsFloatMe

FloatMe: Instant Cash Negative Reviews

4.7
4.76856 star

Total 31 Negative Reviews

FloatMe: Instant Cash App Complaints & User Negative Comments 2023

FloatMe: Instant Cash app received 31 complaints, negative comments and reviews by users. Have you ever had a bad experience using FloatMe: Instant Cash? Can you share your negative thoughts about floatme: instant cash?

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FloatMe: Instant Cash for Negative User Reviews

Worst early withdrawal app out thereDon’t use! Seems I have to keep writing a bad review because they will delete any other bad ones. Had this app for a few months and been subscribing to this garbage for $2. The app only allows you to float $20 unless you increase your “points” by subscribing and buying more. Haven’t been able to use it because even if your facing a overdraft charge it will not even help you out. My bank charges me $35 if I overdraw. So if I have $25 in my account, and I make a purchase for $30. I can’t even go into this app to float me the $15 because my account is already negative in their eyes. Will not assist you in any way. Highly suggest you try out the Dave app instead, it at least helps and floats you up to $100 and even instantly to avoid overdraft. Waste of money this Float me app was, wish I could get my money back for something I couldn’t even use..Version: 3.3.1

OkayIt’s an okay app. High on the okay. Definitely not as good as the others, don’t let this one be your first to try or your go-to/rely-on app. Shouldn’t be your go-to because it certainly isn’t the best and is not reliable. NOTE: Do NOT change anything once you get this app! Don’t change where you work, don’t change your phone number, don’t change your address cause if you do be ready to wait forever and be put through a nightmare to use app again. I know that’s unrealistic but this app has unrealistic expectations of their customers clearly. Changed my phone number and can’t get into my account now. Just want to pay them back and delete it. So be cautious is all..Version: 6.2.1

OkFloats little bit of money with high instant delivery fee, but does work if needed. I don’t think an app that charges you a monthly fee should be charging you “float cash instant” fees. Especially when it’s a $5 fee for $20 spot not including the monthly fee. If the app was free to join I would understand the fee. After paying for a monthly subscription it should be part of your services. In order to even qualify they get full access to bank account and paychecks to meet all the criteria’s, so they basically know you’re going to pay you back. I guess if you don’t they have all the information they need to just pull the money anyway. I would understand a fee for not making a payment, if that were to occur, they know it’s unlikely from your banking information, and setting up the paybacks on payday. Bottom line I think the point is to help someone is need, who is obviously someone that is reliable, based on the apps standards (which are understandable), but really just makes it harder for them in the long run. Not really helping. Just taking advantage of someone in need..Version: 4.4.1

Very InconvenientI had a day where my tire went flat and the small $20 they offered would’ve helped me get a new one. For a about 4 months now. Each time I’ve tried to request cash it’s ALWAYS something. My acct. didn’t have enough paystubs. I tried switching the acct and apparently I have to wait 30 days to do that. Once that part was fixed, I tried requesting again and THIS TIME my acct balance was too low, unfortunately i had to wait a couple days to get it out the negative, then more days for my bank to update in the app but, I got it fixed. So I TRY AGAIN and this time it just gave me a plan ole error message. So I recently got a new card and figured thats WHY I couldn’t get the advance. So I TRY to change the card and NOW they’re telling me I have to wait 25 days to switch over my card. Yea by that time I won’t need the $20 from float me anymore. Is it me or the app is just inconvenient. I’d give the 0 stars. You’re better off with MoneyLion or Earnin or Dave..Version: 5.2.3

Not worth itI recently use FloatMe to get a loan it did help but before I could pay it back I had to switch banks because my employer does recognize the prepaid debit card that I was using for payroll. So I open a bank account for work I reach out to float me letting them know I had switch so I could repay back the loan, they stated I could pay it back with my new bank account that I would have to use the old one on file. Why am I go to go back to my old one if I can’t use it. I state I am try to repay back what I owe and would like to link my new bank. If you don’t want it repaid then fine that on you, but at least I made effort to repay it back and reach out. If you ask me it dumb to think if someone is actually trying to pay back what they borrowed , and you tell them no. Like how are you still in business..Version: 5.3.1

Unauthorized charges on my bank accountBefore you Support/PR reps tell me I should send an email about the issue, I already have. Twice. Days ago and no response. Anyways, I made an account with this app and linked my debit card only to find out I wasn't eligble for anything the app had to offer so I unlink and contact support to delete my account. The very same day I get an unauthorized charge on my account of $X and then the next day, the very same amount. Umm what?? Firstly, I never signed up for any premiums/in-app purchases, secondly, why hasn't a refund been issued? Imagine being a company who has an app that thousands of people use, now imagine charging small amounts of fees to those users and hope that it goes unnoticed.. FloatMe should absolutely be investigated for fraudulent practices..Version: 6.3.0

NopeIf you want a good app to borrow money from when you are in a tight spot. Download Dave. The app is much better and it goes by your checking account. Plus you aren’t charged 1.99 for a “ membership fee” I was never able to get a “float” their was always a response to check back at this date or that date. Yet I’m still charged just for signing up with a email and password. I deleted this app months ago so if I didn’t get notifications when money comes out of my account I would have never even seen I was charged for a service I don’t even use. Makes me wonder how long I’ve been getting charged for something I could never use. Just remember, you have to physically cancel your account on their website. Not through your app or iPhone. Then it takes 72 hours to close. “ if your in good standing”.Version: 5.0.4

New userOkay so I know I shouldn’t expect to be offered the best deal on any kind of payday advance app but I was pretty disappointed with this first experience. $20 was the highest float I was offered and to get it instantly was a $4 fee so I’m not going to be using this again in the future. I am curious though, is there a monthly membership fee for this? I may have overlooked but I can’t remember if I saw that anywhere or not. If there isn’t a monthly membership fee, I may give it another try but if I have to pay a monthly fee & only be able to borrow $10 or $20, it’s not going to be worth it.Version: 5.4.0

Major flaw in this appI’ve used this app in a couple of pinches when I just needed gas money until payday. It worked properly in those two instances. I recently changed jobs and now my pay day is on Friday instead of Tuesday. The app saw this when it verified my bank info HOWEVER when it sucked the money for the most recent float out of my checking account, it did so on my OLD pay day (Tuesday) leaving my checking account overdrawn. I accrue overdraft charges for each day my account is overdrawn meaning that by the time I get my paycheck deposited my account will be close to negative $200 just from overdraft fees. I’m deleting this app and filing a fraud claim with my state Attorney General’s office against the app developers. Steer clear from this horrible app!!! Update: tried to contact them through their “app support” link in the App Store which is a joke. There is absolutely no way to contact these clowns. Unbelievable! I will be reporting this app to Apple for abuse..Version: 4.4.6

Hard to get any help from support when you want to close your account!Two months in a row now I have got in contact with support because I wanted to close my account, Both times I’ve requested assistance with this because my card continues to be charged the monthly members fee. I mean ultimately it’s only $2.00 but the fact that the support team has refused to refund the money when I ASKED for my account to be CLOSED is ridiculous. I truly wish I could share screenshots in the reviews of how rude the support representative was. I’ve emailed them again about the same issue so will see how they act this time around maybe I’ll finally be able to get this stupid issue with them resolved. For now poor customer service I recommend you stay away any one who’d sent respect the people that are using your app and paying you to use it doesn’t deserve you’re money!.Version: 4.4.2

Not there AT ALL when you need itThis app is useless, and a bit of a scam in my opinion. As most adults do, I have weekly bills that eat up most of my paycheck. The app recently bumped up my available float to $40 because of a good repayment history. I have not been able to access a float since then when nothing about my spending habits has changed. Yet they keep charging me the monthly membership fee. During this pandemic we are all struggling but what makes the struggle so much harder is companies like this that take and take and take your money offering no honesty in their services. I do not recommend this app unless you want to waste your monthly membership fee and not receive any service in return..Version: 4.4.6

Do not download!!!!!This is the absolute worst app I’ve ever used. I have been trying to get a hold of them for almost 3 days now have sent over 20 messages without any of them receiving even a single response and they’ve charged my account twice even though I never even signed up for a subscription with them. Found out that you know apparently I do have a subscription so whatever I cancel the subscription and they charged me another amount after I canceled so two days in a row I was charge for an app I’ve never even used. Been trying to get a hold of customer service for a while now like I said I’ve sent about 20 messages none of them have gotten a reply. The absolute worst customer service I’ve ever experienced and when I do get a hold of somebody there’s gonna be a massive problem..Version: 3.3.1

TERRIBLE customer serviceIt’s very rare I review any apps, but the customer service on this app is an absolute joke. To be honest I don’t know that they have a customer service team who actually reads what is sent. 17 days, and now today sent my 8th message, none have received any response at all. I’ve been locked out of my account for 3 weeks now. I don’t receive any password reset emails. I keep asking for my account to be canceled since I can access the very basic desktop app. Again, so responses. I try to fill out the cancellation form, it says I don’t have an account. Which is untrue since I’m literally logged into the desktop version, and still being charged the monthly fee. So now, 8 unanswered requests later, I get charged the monthly membership fee! Yes, 17 days, no responses at all. I’ve left them my email, a backup email, and phone number. NOTHING. I need this account cancelled, and if they were legit, I should get my membership fee back. I can screenshot all my messages to prove what I say is true. Worst part is, today’s charge resulted in a banking overdraft fee for me. Turning a $1.99 membership into a $36 fee. I’m beyond upset with this app. STAY AWAY, 1/10. I would not recommend to anyone who values their money, and common courtesy..Version: 5.5.0

Just fineI been using float me for a few months now. I’m not even going to act like the extra $20 didn’t help when I needed them. I don't mind paying back the $20 plus $4 on payday I rather pay the $4 then to ask my friends or fam for a $20 until payday. On the real I think there’s better apps out there that loan you more money and don't have some many requirements like float me. Hate to drop names but earin app don’t require no history of high atm withdrawals or transfers the day of or after pay day when you clearly got a direct deposit from your work the day before Also earin lets you barrow up to $500 dollars if you qualify just charging you $3.99 for every $100 a day and you receive the funds in minutes with tips being optional ( i always tip when i barrow money ) Float me is a okay app but in honest truth I believe they can improve the app by increase the money you can barrow and also if you’re able to send a screenshot of your direct deposit so they can see there was a recent deposit.Version: 5.2.0

What to doThe fact that I have downloaded and linked my account well over a week ago I still can’t use it every time I go to the app it tells me to link my account and then it just keeps loading for days I get the notification from my bank that it has been linked but nothing from this app side I don’t even know what else is in the app because it keeps taking me to the link account page today I went on it and now it keeps telling me to download the app which I have already and then I get the error message I don’t doubt that this may be a good app but what is the point in keep trying when I can’t get past the link account page will give it a few more days then I will delete this app.Version: 3.4.6

Float is Useless and it is a SCAMFloat is suppose to help someone who doesn’t have money let them borrow money and then pays it back. Like any other cash advance app like Empower which is way better than float. They approve you give your your advance and then pay back on the date set. With float for someone reason if you’re getting a $20 float. They charge your account the $20+fee first and then give you the float. Which to me is pointless because your right back at square one with no money. For example. You have a $40 bill due and you only have $20 and you you need $20 more to make $40. You ask for a $20 float then then charge you $24 so now you account is $0 or negative and then they give you $20 so your account is back at $20. Which means your STILL $20 SHORT and then you still have to pay the $20 back so your really back $40 just to get $20. It’s a SCAM.Version: 6.2.1

App CrashedI’m rating the app a 2 because it did float me money when I was in need and I paid the money back when I as supposed to. Then it said that I no long qualified to be floated. I reached out to support to ask why and they gave some vague response, pretty much a copy and paste and no where near what I asked. So, time has went on and I tried to cancel my member but couldn’t and I ended up changing my bank’s password. That caused even more problems but today you guys took payment for a membership that I no longer want or have access to. I continue to link the account to even try to get into the app and it literally spends long periods of time buffering. I will be requesting a stop payment from you guys moving forward because this is ridiculous.Version: 4.2.4

App Used To Be Cool But That’s Changed…Extremely disappointed with this app. I had no issue with the high fee of 4.99 just to borrow $20, but when you are in a pinch, it is what it is when they are being up front. But when you have ALWAYS paid your fees, paid back your floats, as well as monthly dues they have yet to explain the purpose of, it’s pretty messed up being denied a float for no reason, especially when they have your guaranteed pay day on file and you have never failed to pay. I’ll be cancelling my account because I will not be denied a small float but then they think they will be charging me for dues. I’ll take my business elsewhere..Version: 6.3.1

Never gives above $20*** UPDATE*** so they suspended my account due to their own errors and said they would fix it. That was last week!! Do not use this app!!! They mess up all the time. ** Still no response or money in my account. Since they have been responding to other people, If I don’t get the money and it is taken out of my bank account, I will turn it in to the bank as fraud. Update:: Even worse now. They show on the app that I have a payback but they still have not given me the money. Requested it last week for a standard payment. Just gets worse and worse!! Contacted customer service yesterday and still no response. ** Doesn’t matter how many times I use it and pay it back or what my bank account shows, I never get over $20. It does come in handy but it shouldn’t say they increase it as they get to know you. That’s a lie.Version: 3.5.0

BewareAfter not being able to use the app I canceled my account after a week or so they took out $ from my account causing my account to be negative and was charged a $30 fee this was almost two weeks ago have gotten 1 response stating since I had closed my account they would refund the money that was pulled from my account. I have yet to receive my money back and now I’m also out of $30. Beware they will continue pulling money out of your account even when you cancel it... highly disappointed Update: and a response I have never taken out a float never really used the app. So I should have never had money be taken out once an account is closed they shouldn’t have access to your bank account and some how this app still does and they continue to take money out until you take action. I get $5 taken out of my account every 2 weeks seeing as i am currently out of a job I can’t pay the bank fees to cancel any future payments to this app..Version: 2.1.9

HORRIBLE! Stay Away! Use Earnin, Branch or BrigitCame across this app when I fell on hard times awhile back. BY FAR the worst of all of these types of apps. I make good money, consistently paid back but my loan amount stayed at $20 max. On top of that they will charge an extra $4 if you want it that day AND THEN a $1.99 a month “subscription fee”. What a joke. Just taking advantage of people. Their customer service is terrible. Told them to cancel my subscription and they said I had to because they can’t for some mystery reason they’ve yet to explain to me. I’d highly suggest Earnin ($500 max) or Branch or Brigit (which have max loans north of $200 NOT $20 like FloatMe). Don’t waste your time. Good reviews are more than likely fake and/or paid for.Version: 5.1.4

Terrible app. ScammersI used this app a few times for the cash advance. Paid it off on time no issues. Now when I try to log in, it takes me to a prompt to access my bank because apparently it’s been “unlinked”. Relinked my bank to float me via plaid about 9 times. Still can’t access my float me account. Contacted support and EXPLAINED IN DETAIL what the issue was and the person did nothing. She said she “reset” my account and it should work. It did nothing. There wasn’t a change. My account still keeps trying to re-link to my bank. Still getting charged when I haven’t been able to use the app. Support is a joke. Now when I try to get in my account today it acts as if I never had an account..Version: 6.1.2

Another bank spying app. Completely pointlessThis is an app based around floating $20-50 in emergencies. Yet despite making over $1k a week via consistent employment deposits…for the last 6+ years - I’m unable to borrow even $20 for a couple of days. As I dug around further, I found out that the app uses an ‘algorithm’ to look at your spending habits. Along with your balance. It essentially wants you to already have money in your account, and a long history of ‘not spending your paycheck the moment you get it’. What about those of us who take cash out every week? Put money into bills and investments, but rarely keep a balance because of this reason? Despite a solid employment history, transactions that show investments and cash withdrawals and never being negative in my account - I’m not ‘eligible’. Last time I checked, people who keep money in their account…don’t need to ‘float’ a few bucks in the event of an emergency. I just used my banks small loan feature instead. And I suggest you do too. Because the only thing this app does is get a free back door into your bank account (that you’ll likely forget about). Which is RIPE for exploitation whenever this company is eventually compromised..Version: 6.0.9

Not a good appWas able to take out $20 the first time around. Opted to take another $20 out was not eligible. I want to make everyone aware that companies like this sell your data. If I am voluntarily giving you my information to which you’re selling and making hidden profit, yet I can’t borrow $20 and pay it back next week no problem like the first time, you are getting deleted 100%. There is no value in this app outside of being able to borrow money, the spending trackers are inaccurate so this app just has nothing to stand on. And no, no one is taking extra time out of their day to contact your support for a loop hole answer and for a person to say “we can’t help sorry”. I also want to mention that other apps like Klover are FANTASTIC though and the absolute BEST. I’ve been consistently able to take out $130 from other apps this one thinks it’s too good for that LOL..Version: 6.3.1

Good in a pinch for small needs, but the fee needs to GOI only receive $20, I wish it was more but it’s better than nothing, right? I’d give it 5 stars if that were the case, and also they charge $4 for an instant float, which I think is a pretty steep charge for $20. $2 would be sufficient, I feel like it’s kind of taking advantage of people who really need the cash, especially in the COVID era. I will keep using it though, and so will people like me, which is what this company knows, which is why they charge the steep fee. I’f they raised it to $6 people would still use it, unfortunately, because people like me really do need emergency cash. Maybe I should start my own similar business and only charge $1 for instant cash, or utilize other means to get the instant cash, like completing a survey, or completing certain tasks or what not. Check on me in a year, I may just be rich with my fantastic ideas!! Until then, I will still be getting price gouged on these sites :(.Version: 4.0.0

Shady appThis app not only requires you pay them back extra when you borrow money, they also charge you $1.99/mo to have an account which they make no mention of when you set up an account and you'll only find this out when you see it deducted from your bank account each month. Not only that, but also, I asked them to close my account so I would no longer be charged each month. They did close my account, however, they still just took out another $1.99 from my account. To make it even more ridiculous and frustrating, you can only contact their support team by logging into your account, but of course, I don't have an account anymore because they closed it yet still think it's ok to continue to charge me. It's incredibly shady and just a terrible app and experience in general. I'm gonna have to call my bank and tell them to put a block on them since I can't contact them at all. Bottom line, there are better options out there. Stay away from this garbage app.Version: 2.1.1

Absolutely Tone Deaf & Not HelpfulI used this app a while ago and it used to be pretty simple. It worked! But now I haven’t been able to get a Float in months, disconnected and reconnected my primary bank, all that jazz. However, they continue to charge my account as if I’m able to use the service. I suddenly can’t qualify for a float and haven’t been able to in months. If you’re monitoring my bank enough to know I don’t qualify, the service should be smart enough to know not to charge for that month… nevertheless, they continue to send push notifications offering help and charge while not allowing you to utilize their service all while not giving you specific reasons why you can’t use it. It’s easy enough to cancel. But the incessant hope-inspiring push notifications offering me help when I needed it most, only to be told I “can’t float” right now means they can see me sinking and don’t care even though I have a steady and reliable income. Then they tell me “don’t worry, we still got you! Go drive for instacart” ew. That’s not help. That’s “get a second job, you bum”. This app is to provide the already comfortable have a little financial pillow, not to float those who are sinking..Version: 6.3.1

Worst experience I’ve had in a long time.Downloading and attempting to use this app and it’s services, has been frustrating and defeating. I’ve never qualified to use their services and the app kept giving me errors, but they continued to charge me, even though I was never able to use the service. I reached out to costumer service and the representative spoke just kept repeating that I should have canceled my membership if I didn’t want to be charged, and left a link for me to cancel my membership. I again tried to explain me dilemma and that I should be refunded for the months it charged me seeing as I’ve been unable to use their services. I received no response after this and I feel like I’ve been just throwing away money..Version: 5.1.1

DO NOT DOWNLOAD THIS APPI’m never the type to leave reviews but for this I must warn those who are in need of money and will get taken advantage of by this scam. I have been getting charged every month since June 2021 of $1.99 of a membership I was never aware of. I NEVER qualified to get any Float Me Cash but they proceeded to charge me of a membership that never even helped me? I provided a picture and proof to their customer support that I NEVER received any funds from Float Me but still got charged anyways. The customer support tells me that $1.99 charge is to help alert members of “low balance” but majority of bank apps have HAD this feature for FREE for many years? There was absolutely no benefits for me whether I had this “membership” or not but yet they can’t refund the charges for these past months. I ended the membership today and was only ever aware of being subscribed to a “membership” until today when it suddenly showed up in my bank statement that there’s a hold for a $1.99 charge. However if I had known this earlier on, I would’ve ended this membership sooner. They have little to no care for their members and just shows how much money hungry Float Money is. Float Money is a tool for people who need money but they will still charge those who doesn’t use it, those that doesn’t qualify for it AND those who have already have nothing left. Crazy..Version: 4.3.1

👎🏻👎🏻👎🏻I downloaded and signed up for this app a long while back. I never used it because the requirements to receive any type of help were strict. It’s sad to think that just because someone doesn’t have a certain amount of money in their account automatically means they can’t be trusted to pay back what was shared. Unfortunately, that’s the world we live in. Again, I never actually received any type of “Float Me” payment because I didn’t meet the requirements, but I was signed up for the subscription. After cancelling a while back (to no avail), I kept getting charged $1.99 and couldn’t figure out why until TODAY. I figured out my account info and immediately reset my password, logged in and cancelled my subscription to an app I never used but had paid for month after month after month. I wanted to delete my account as well, since my bank info is still attached but Float Me blocked me from logging back into my account simply because I cancelled their $2 subscription. Thanks for that :).Version: 5.3.3

Tsk tskSo it’s confirmed this app is complete trash. Just making up for terms they can’t keep not that they have a waitlist. I was denied because I didn’t have enough in my account finally got paid and paid rent early and some debts and had enough left over but I wanted to see if it would work with a float now that my account was in good standing. Turns out they need me to add my debit card lol. How convenient that I had updated it too recently? I honestly don’t even remember that being recent at all but go figure. Now have to wait nearly 17 days. The only reason I even tried anything was because my bank actually flagged a fraud and texted if I was going to authorize float me for the subscription lol. No thanks. Work it out I guess but just like every other app that I’ve found early ie eaze, DoorDash, Uber. It goes downhill and I’ll probably never use it again which will benefit them much I suppose as much as they are blocking people who’ve been customers since the beginning.Version: 5.4.2


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