Klover - Instant Cash Advance App Negative ReviewsKlover Holdings, Inc.

Klover - Instant Cash Advance Negative Reviews

4.68595 star

Total 27 Negative Reviews

Klover - Instant Cash Advance App Complaints & User Negative Comments 2023

Klover - Instant Cash Advance app received 27 complaints, negative comments and reviews by users. Have you ever had a bad experience using Klover - Instant Cash Advance? Can you share your negative thoughts about klover - instant cash advance?

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Klover - Instant Cash Advance for Negative User Reviews

Would give zero if possibleThis app does not deliver on advertised promises. Had the app for several months, always running in background using battery and data, no change. I maintained bank balances and deposits well above there minimum, but never got off the so-called “wait list”. But the REAL kicker was the inability to change my bank info, neither in the app or with the assistance of “customer service”. My account info was stolen which necessitated a change in account numbers, card numbers and what not. When I couldn’t make the changes in the app, I reached out and was informed that there is literally NO WAY to update, change account info? Are you kidding me? This is such a basic thing, especially when dealing with numbers actively phished for fraudulent purposes, I still can’t quite wrap my mind around it. It speaks to the the lack of foresight and careless disregard for their current and future customers. On an unrelated note, I have not met one actual customer of Klover who is even moderately pleased. I have heard multiple stories that match my experience. All of them downloaded the app on the misleading advertising that highlights advances that never materialized, even after months of maintaining standards and letting the app constantly track your every move. I honestly doubt the veracity of any of the glowing reviews..Version: 2.28

ACH feature does not workI did not opt for instant payment but instead the standard delivery to have the funds in my account within 3 business days. This is the 6th business day and still no funds have been sent. You can only email customer service, which is a joke because they legit say they won’t get back with you for 2-3 business days. Wholly unacceptable, especially in a world as technologically advanced as today’s. I did not want to have to pay a $10 fee on a $75 loan by doing the instant route…so what? I’m penalized by not getting my money at all? And they are still showing me a repayment date expected within less than a week when I have received nothing and have not heard back ANYTHING by email though they claim to run their support 24/7 5 days a week. With the weekend fast approaching, I am worried they’ve truly just screwed me over. If they take a dime from me on repayment day when I’ve received nothing, I am reporting them to the CFPB and seeing if I can sue for FRAUD. Try me..Version: 3.44.0

WARNING: STAY AWAY. Shady and not as advertisedI never give the personal bank info they ask for like your passwords and stuff to anyone or entity ever doesn’t matter how legit or who you are but annoyed at myself for falling for exactly what was worried about..worse is can’t do much about it yet and unsure if anything will happen. All I’m going to say is they ask for all the info and process it and then nothing - they got all my info and not getting anything - don’t think they’re not checking stuff - It’s shady when they say what they require as in how long accounts been open amounts etc etc and I surpass they’re requirements by far. The reason they give that I can’t use them isn’t true, I clearly do have what they say i don’t. The to top it off you can’t delete anything. Or change anything. You can submit a request where they’ll get back to you in a few days it says but that’s it. So they have all the info I can’t delete or change anything or close account nothing they got it and won’t give me anything and now crossing my fingers they process my request who knows when. If i hear back at all but who knows I just don’t like this at all it’s not right. Even if they do i guarantee it’s going to be a back and forth long drawn out hard time if and when anything is undone. I don’t advise i warn do not use this..Version: 2.36

Half descentKlover is an essential app especially in this day and age when inflation is through the roof and people are trying to survive . At first glance upon using the app i was quite pleased , i got a $20 boost initially and then a $40 boost later . That’s when i became disappointed . Why do we have to “hater points “ to get boosts . We have to complete pointless surveys , watch videos , etc all to collect boosts that are not even significant . If you ask me klover is a waste of time and needs to be shut down . Allow people to get greater boosts without all the extra footwork . After all the money is coming directly back from their bank account . Also stop charging 4-$7 for a single boost . It’s ridiculous !!! Learn to update the app more frequently so it reflects our direct deposit history more quickly . Honestly you guys could learn something from money lion “instacash”….Version: 3.34.1

Possible Improvements ImplementedI really needed a loan yesterday to pick up medication. Klover made me enter in my debit card information for the second time this week. I've taken out and repad loans before, so this made me feel suspicious of this company's practices. In addition, I was flabbergasted that this company will charge 9.99 for an instant delivery for "maybe" getting your money quickly and under 5/6 hours. However, the app finally decided to not blame my bank and I was back into the system by early a.m. today. So far, I was able to take out a small amount and I've paid 2.99 for immediate delivery. This time though, the company is guaranteeing my money will be delivered within an hour. It's been 25 minutes, so I'm hoping that the deposit will actually follow through. I'm willing to be proven wrong. One positive: I appreciate Klover having a cash out limit based on payback ability and current income. I don't mind not being able to take out the full 100 because I understand the smaller loan amount is meant to help mitigate overdrafts. So I really agree with that practice. I'm hoping this new delivery time is accurate - we'll see.Version: 2.16

Do NOT waste your time and PERSONAL infoI rarely leave reviews but when you play with people funds and time it MUST be addressed. I just want to pay y’all back your $16 and you all close my account. Oh yeah by the way you guys the advance payments are based upon how many points you earn in the app. I downloaded it out of pure desperation because I needed to feed my son but it’s not worth knowing too much of my personal information and I can’t even get back into my account to delete it. And I have reset my password more than once and the app would say my password is incorrect when I just changed it! 🫠 I just really want y’all to delete any additional subscription you signed my debit card up for because at this point I was going to pay the additional for the “Klover plus” but now I’m getting Red Flags that this is just a SCAM ! Oh and please get your $16 and close my account AND delete my Chime account information that you obtained through the third party Plaid, this app is a waste of time and personal data..Version: 3.36.1

Alright, could be betterGetting points is harder than they make it out to be, I watched probably 50 videos for points, it only gave me point for 5. It also says Dollar General receipts are worth 2x the points, all of the ones I scanned match transactions in my bank account but it said they didn’t do I didn’t get the double points. It also won’t allow me to connect my retailer accounts, gives me an error saying my login information is wrong (it’s not I changed it right before trying) and it’s impossible to get ahold of support in a timely manner. Also, you can use points to pay the instant transfer fee, but they want you to use the same amount of point for that fee as you are using for the advance… it should line up with the amount of points you need per $10 advance (300 points = $10, so the fee of $4.99 should only cost 150 points, not $900 when you’re trying to get $30) If you fix the issue of only giving points for 5 videos a day, allowing people to use less points to get instant transfers and also sticking to what you say about double points, I will update the star rating..Version: 3.37.0

Eventually stops working, poor customer supportApp worked great the first couple months. All the sudden after repaying my last advance, the app no longer will accept my debit card that was already verified and linked to the account. So now I can’t get any advances I earn with points because the debit card was somehow unlinked from the account and fails to link every time I try and re enter the card info. Even went as far as contacting my bank to ensure it wasn’t a problem with my account or card and it turns out it’s no fault of my own because I’m in great standing with the bank. I email support thinking maybe it was a bug and just needed technical support. I was instructed to remove my bank account and re link it and then I will be able to add the card back to the account. I was excited to use the app again and followed the instructions given, and it still failed to link my card. I was offered no further help from there other than an “I’m sorry this is happening to you”. It’s a joke. Especially when there are so many other competitions that I’ve had ZERO issues with. And to show Klover the same level of courtesy showed to me, Earnin, FloatMe, Empower, Money Lion, etc are all competitors that offer better apps and support. I have yet to run into issues until I signed up with Klover. Stupid decision on my part. Don’t waste your time downloading this app, you’ll thank me later..Version: 3.36.2

Users BewareThis app used to work… I was able to scan receipts and do surveys and get points. In the last month however; I’ve been unable to scan receipts OR get credit for the surveys I’ve done. In regards to receipts, I save them all. I’ve tried no less than 10 different businesses, with nearly perfect receipts. Businesses I’d previously used in the past. Big box retailers etc. The function is broken. I emailed their tech support, they blamed it on my receipts, then stopped responding. As for the surveys.. the handoff between Tap research and Klover is abysmal at best, more times than not you won’t get any credit for your surveys. If they want you to do 10, you’ll get credit for about five of them because the app won’t process that you actually did the survey. What a coincidence… Based off of the experience I had; they don’t care to fix these issues, which is unfortunate because the premise of the app makes sense. The dev team needs to be aware of these issues and I feel like they aren’t addressing them..Version: 3.17.3

Shop around firstLoved it at first , no other stuff thrown in . Just direct and to the point. I even started saving receipts for the first time in my life . And then the bank issue. It is important to update your login credentials every few months to keep your accounts as secure as possible. The fact that you can not just unlink the bank acct and re-link backup bc someone changed their bank login info is, for lack of a better word, shocking. Tbh I thought they were lying to me until I saw all these other comments. The best part, which isn’t where I spent months paying on time etc never late to be banished, it was where when I asked if there was a timeline, I was told I don’t qualify- which didn’t even make sense nor what I was asking. That’s it , they never responded to me again when I asked for clarification on what they meant by that. Eventually after a few days of being ignored, I asked to just delete my acct and I’d move on. Guess you’re not allowed to do that either bc I’m at 5 days and counting w/o a response. Two stars bc it had potential and im writing this on a Friday. Disappointing..Version: 2.32

New To Klover, Still Feel it OutI started using clover last night, and was approved within five minutes. They have a point system that I’m still not sure how to use but I think with a little bit of time it’ll come to me. Applying and getting approved was super easy especially if you get direct deposits from your place of work. They analyze your data from the bank you linked and approve you if you have at least 2 to 3 current and valid paystubs in your bank account. Money was there after being approved so that’s great. The ONLY thing I don’t like so far is the $8 dollar and some change instant transfer fee. I only say that because I’m familiar with other apps such as Earnin who have no transfer fee. Other than that the app is great and you get money when you need it. I’d definitely try it if you need some extra cash. Also try Earnin and Dave if you haven’t already..Version: 3.22.1

Inconsistent/now just silly (round 2)EDITED- well after my review Klover reached to me and I thought - awesome! They will fix the issue and then I can adjust my review. Nope! More customer service reps who don’t offer any real help but tell me my bank “stopped” sharing info. Confirmed with the bank it’s an app issue. I’ve reported to the app no less than 3 or 4 times that I need to re-link my bank account because something is wrong and the app won’t allow it...just sent another email asking for a customer service phone number or real help...I’ll wait. I should say before the I had this CS experience I probably would have given 5 stars. Original review: I got 2 boosts and suddenly I’m not eligible after the app updates - even though nothing has changed in my employment or anything. Customer service has been little to no help, just canned responses tht don’t tell me anything specific to my account. Just “not all customers are eligible” - so inconsistent it may be better to just go get a cash advance even though it’s kind of a pain..Version: 2.28

Lots of WorkThe app in service is OK but it’s a lot of work to get a Cash Advance that you still have to pay fees for. Other apps you can just apply for the advance and pay the fee. We have the points and then still pay a fee so it’s a lot. Even when you do it to help with the fees, the amount of points you need to even get $.50 off is so crazy. Use the points system to increase the amount you can get or to decrease fees or to extend repayment dates or something to that nature but the way you have it set up now it’s just too much work unless you really really need it and even if you really really need it they are just other apps out here that don’t require all of this. I like the concept but I think it just needs to be tweaked a little bit so it can be user-friendly worth while to the user. People aren’t going to spend an hour on your app trying to get $50 when they can just go to another app, spend the same amount in fees and get $50 in less than 10 or 15 minutes. Even with that though I think your site is awesome especially being able to link the stuff that you use like places, you shop and etc. Maybe you could even add in gas points or something. You have a great concept it just seems like it’s not synthesized for the actual user. Once you make that connection, I think this would really top the others. I hope this helps and thanks for asking for my feedback and of course thanks for the advance lol..Version: 3.51.0

Scam, Doesn’t work, customer service is lazyThis app is a joke and has been since the day I downloaded it. Never been able to scan receipts, the point system randomly changes and when it came to actually linking my accounts for an advance it just didn’t work and left me on a page with a sad face emoji and told me to contact support. When I did get a response from support they sent me a copy and pasted article from their help page, clearly I had already read and determined the issues they stated were not the issue then told me they can’t do anything. Could of taken the time to at the very least look at my account and write me a personal message after determining the issue. Poor app development and lazy customer service. There’s plenty of other apps out there way better than this one, this one feels like a complete scam just like a ton of the other reviews say, notice how fake developers responses to comments are as well. They had no problem verifying my debit card by taking money and not giving it back. Now I have to cancel my card as I’m terrified they will do it again. Don’t do it !! Not worth it.Version: 3.0.0

Not so badThe app works and gets the job done, when I first downloaded it was under the promise you’ll get up to $250. If you really think that’s gonna happen good for you, but that’s a lie, the max amount I have gotten was $100 and if you don’t use the app in one payment cycle, the amount will start going down again, so it’s made to keep you getting money in order to get a higher limit, otherwise they’ll stop giving you from a $100 down to maybe $30. Also, in order to get money you need to have about 900 points, which you get the points very slowly and when they have promos like “scan 2 receipts and get 200 points” is a lie, never works, so basically you really have to work your points getting 5 points for each receipt or 10 for watching adds… just imaging how many adds you need to watch to get 900 points, do the math, crazy. If you’re patient and you aren’t really in a emergency then go ahead and use it, if you need good amounts of money and quickly this app is not for you. A good example of fake offers is this one right here, I’m supposed to get 200 points for leaving a review, but as soon as I go back to the app this is what pops up “offer wall error, unable to fetch offers. Please contact our help center for further assistance.” Like please, I would understand if it happened once or twice but it happens all the time….Version: 3.34.1

Inconsistent, and bad customer serviceI’ve had this month for up to 3 months. Things were going fine, besides the normal issues you’d get among at other apps too. Main issue first started when an expedited request I mad at 5.00 on a Sunday didn’t hit my account until Friday morning 5 days later the same day customer service finally got back to me. The 4-5 business days shouldn’t be that long for a simple email considering usually first responses don’t even solve the problem if it’s something that still hasn’t fixed itself within those 4-5 days. It’s also inconsiderate considering most people using this app cannot wait 4-5 days for something they expedited in less than 1 and still get forced to pay a 9.99 charge (for $100 advance). The final straw came when all the sudden my bank connection needed to be reconnected and I kept getting the same message when I went to do so “Your account already connected” Plaid reached back to me within a day explaining what to do as well as telling me to reach out to Klover, which I of course did before hand. Still 6 days later no email response. I actually sent a 3rd message out to Klover as I was furious over the customer service to just cancel my account. Rather than emailing me back over my original issue or even trying tj solve ANY issue I’m having with them which I made clear in my final email they just rather not dealt with any of it and canceled my account for me. Super disappointing..Version: 2.42

Ways to Earn Points Never WorkThe app is (or would be) mostly great! Getting a boost is always helpful, the only problem is the point system they use in order to get a boost. The different tasks you can complete to earn points don’t seem to ever work properly… Uploading receipts has never worked, even though I always use brand new receipts, it always says the receipt is a “duplicate” of one already uploaded and they don’t accept it. Taking surveys direct you to a survey platform off the app and after I complete the survey and it says I earned points, when I get re-directed back to the app an error message ALWAYS pops up and doesn’t add the points to my balance. I’ve completed offers from their partners, same thing. Once I’m re-directed back to the app, an error message pops up and I don’t receive any points. I’ve contacted support about all these issues and unfortunately they aren’t able to add the points to my balance even though I have screen shots for proof. Half the time I didn’t receive a response to my emails. Before contacting support I’ve done all the usual tricks… restart my phone, delete the app and re-download, delete things off my phone in case the memory is full… No changes, so I’m kind of giving up now :(.Version: 3.31.0

It works 3 stars worth, let me explain.1. It’s a gaming system. Watch videos. Give information and you earn point. 2. The most you can borrow is $30 which is 900 points. Points are easy to get. 3. You get points by doing things they let you do to earn points. Example: answering questions on your age, race, address, ect. 4. You must link your debit card associated with your bank account in order to get the money. Guess what? It’s a $2.50 a month subscription you are signing up for. Clever. 5. I thought this was a “pick an amount” and borrow it. Nope. It is a maximum of $30 which is payed back within a week or two automatically since you had to link your debit card anyway. *this isn’t what I thought, but I did get $30 within 60 seconds, but had to pay like a $4 fee to get it that quick. Otherwise, I would of waited 3 days for a free deposit. Maybe they will grow into something much more. At this point, I’m just going to rack up points since $30 isn’t enough for me. When it is enough for me, I’ll have the points..Version: 3.34.1

Needs work (some problems)Honestly, I gave it a good amount of time and was hoping for better. My primary issue, the app does not charge you on your pay date like it claims to. And support is slow to respond (only email) and they can not help you apparently. It actually charges you shortly before payday, which is the worst time to charge it as most people living paycheck to paycheck (or not) will have the least amount of money in there account which makes it more likely they will incur bank fees, destroying the point of it. I have waited for a few direct deposits all bi-weekly on the same day and yet klover chooses the incorrect date. Then, I asked support if they charge partial payments and they apparently don’t. But I got a partial payment attempt that I caught because I happened to have my bank card locked and got a failed to process alert from my bank account. I just feel like customer service is very bad, or the service itself is or the apps poorly made… regardless, the problems I’ve had destroyed the point of the app in the first place. This is just my experience..Version: 3.23.1

Gaining pointsHello! I have been a Klover user now for a couple months but only took a advance out now twice. The process is understood but tedious than most, here’s why: - when you need an advance you must gain 600 points for $5. How you’d earn these points is by ad watching, which would give you 10 points each ad. Sometimes though, using the ‘watch ad’ tab DOES NOT always give you the points. Instead it’ll go to a progress bar called “watched ads” where you can watch 20 ads for 200 points. You have several options to scan receipts, as well as logging into your Walgreens, CVS etc accounts to also gain points. Would I recommend Klover - Yes and No - here’s why - if you need a advance and you have the points and the correct bank for it, you will get the payment. Here’s why No - due to the fact you have to gain points in order to get your advance, without a lot of ways to gain quick points it will kind of make people go to MoneyLion or Dave. I also find it unfair because most of the time you do not gain the points you did a survey for or made a account for. I recommend if you are going to use Klover, make sure you don’t need the money at that moment. You will need spare time to work for the points. Also, leave a couple points within your account as well as open the app everyday to gain 5 or 10 points. Lastly, they now offer the option that your 5 recent transactions within your bank account, can now be claimed for 5 points within the Klover app..Version: 3.37.0

App was completely useless for meI filled out all the details and they told me I was approved, I just needed to link my debit card. Once I linked my debit card, I got extremely conflicting information on the status of my account. I kept getting notifications that told me my card was verified, I went through the entire process to the point where they told me “your money will be in your account in a few minutes!” Then I waited for a few hours, went back to the app and it said my debit card needed to be verified…so I entered the information AGAIN and it would not even try to verify again. It would not say it couldn’t be verified, just nothing would happen. So I disconnected the bank and reconnected it and entered the debit info again and the same exact thing happened. I figured oh well I guess it’s not happening, but now I’m getting emails asking me if I’m enjoying the advance that I never received! You guys need to figure this out because if your system thinks you gave me money, it’s wrong, and you can check my account transaction history to confirm that..Version: 3.36.1

Slow and UnsatisfactoryFirst of all, it takes so long for them to even update my bank history. And before they blame my bank, I also use Dave and the updates are always quick. Dave also has a refresh option, so that’s something to consider, Klover. Secondly, I can understand not loaning the full $150 starting out, but $30 seems a bit pointless, especially if I had to pay in advance for a membership in addition to a $4 fee to get it instantly. Lastly, the point system thing just DOESNT work. Im order for me to get the full $30, I have to earn AT LEAST 900 points, EVERY TIME? It seems pointless (pun intended). There are not a whole lot of opportunities to earn points. “Some” offers are listed at 500 points and up, but it’s not as if you can complete those offers many times over. And most of those require a purchase. So I’m requesting money? But I have to spend money first? That makes complete sense… so then you’re left with completing many tasks that don’t reward much, just to get a boost. I just feel like they should either up the earning potential, or do away with this thing all together..Version: 3.20.3

Eligibility for advanceI haven’t seen an option for a non-points advance since they made points advances a thing so I finally got curious and asked support what’s up. This was their response: “Here at Klover, we have a few strict requirements that need to be met in order for a customer to be eligible for an advance. One of these requirements is a customer must have a pay cycle of either 7 or 14 days. In addition to that, the paycheck must be directly deposited into a checking account on a Thursday or a Friday.” I technically get paid on Fridays but the bank account I have connected pays out early (on Wednesdays). I’m asking if I can send paystubs to prove that my paydays are Fridays and see if they can use that instead of me having to connect a different bank account; I’ll update this once I get a response. Just wanted to let other people know that if you can’t get a non-points advance, it might have something to do with when you get paid..Version: 3.43.1

Horrible!The app was great at first, THEN when it came down to my second repayment the app became horrible! My advances were increasing then it took almost half the day for it to pull my repayment from my account and I forgot to unlock my card and now it’s not even trying to pull the payment at all which caused my advances to drop! “Customer service” is absolutely no help as they really can’t do anything and it takes them forever to respond so by the time you hear from them it’s too late! WHY can’t I make my own payment instead of waiting for the app to run it I haven’t had any issues making my payments with Dave OR Empower but KLOVER is definitely the lowest on the list for me rn! Then I’d be wrong to not even allow it to take the payment from my account. DO BETTER! Stop acting like y’all can’t make other options in 2022 almost 2023!! UPDATE ** Was already in contact with “support” they’re also no help. 5+ days past my repayment date and all they can say is it attempted multiple times even though I have notifications from my bank on both my phone and email with no attempt notifications. They claim they processed the payment which should’ve been done the day I reached out but instead made me wait another 3 days. App still isn’t refreshing my bank information and nothing loads up properly..Version: 3.52.0

Great Until Not So GreatThis app was working great for me for months and then all of a sudden it won’t give me points for receipts that ARE in my account but states it “doesn’t match with primary account” and then I only get 5 points. No I’m using or paying with any other form of payment, only the connected and linked card. When I did try to reach out about it I get no response. I even emailed my “digital receipts” to the email they supply on their app multiple times and I haven’t yet to receive a response back or any points at all. This will be my last time using this app as it’s been happening for months. NONE of the receipts I scan work or ever give me 50 points. They even say you can get 2X the point for Walgreens receipts. But I even tested the theory and went to Walgreens and used my only debit card (linked in app) and it only gave me 5 points because it said it didn’t match my “primary account” which isn’t true because I only have one card. It just says the same things over and over. I’ve followed all rules and guidelines and they still screw you on your actual points earned. I did recently get a response from customer service basically telling all the same stuff I already was aware of. I don’t ever get any help or anything ever resolved with this team or app..Version: 3.34.1

Not a care in the world about their customer baseFirst of all, despite having fully repaid anything I ever borrowed from this app and having then requested a complete deletion of my account and being told my account was removed. However, here they are trying to pull out $4.00 from my checking account again. Considering i deleted my account, i find this absolutely ridiculous. Not only that but since i noticed the aforementioned attempted charges to my bank account, I decided to login to the app to see why. Oddly, my password didn't work. I sent a password reset request. I received an email containing the reset link. The link very prominently displays it's "https" wording in the link text within the email. Great, but when you actually click on the link you're forwarded to an insecure page that does not use ssl certificates. This is 2022, and let's encrypt literally gives away SSL certificates. There is absolutely no excuse for any company, especially one that offers financial services to leave their users unprotected like this. In fact, I think there might even be laws against this..Version: 3.34.1

If I’m having to work to get the points to get a boost…If I’m having to work to get the points to get a boost, I shouldn’t have to pay you anything back. There are lots of earn points for cash apps out there where once you meet certain tiers or caps, you get to cash out and owe nothing. I’m essentially working to get paid and then being told I have to pay what I’ve earned with interest, which is weird. While your point system is far less ridiculous and more realistic, it’s a strange method to use under the guise of a “boost”, especially since you already have my income information, etc and have approved me anyways. At the end of the day, if I’m doing work for you “watching ads, completing surveys” you pay me and the exchange ends there. I don’t know if this is criminal or anything but it’s definitely not leaving with me a good feeling. I know partially my experience is based on this because of the type of bank account I have, but still… it’s sketchy..Version: 3.23.1

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