Grid Money App Negative ReviewsHatfield, Inc.

Grid Money Negative Reviews

4.6
4.66353 star

Total 31 Negative Reviews

Grid Money App Complaints & User Negative Comments 2024

Grid Money app received 31 complaints, negative comments and reviews by users. Have you ever had a bad experience using Grid Money? Can you share your negative thoughts about grid money?

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Grid Money for Negative User Reviews

Not a happy camperOk so yes it’s nice that they will loan you the money (at a price of course) but that’s where it stops. They have an auto system that tells when you have to repay and when it gets your payday wrong they say we can’t change the date but don’t worry we won’t every over draft your account…. And then guess what they over draft your account and tell you that you should have had sufficient funds to cover it and it’s not their fault and they can’t be responsible for the fees they caused. Oh and you have to wait 3 days after they take the money to ask for another advance so yeah you are stuck paying the over draft fee, their monthly fee and the fee to have the funds transferred sooner. A really broken messed up system that they don’t want to fix because it’s all good for them..Version: 1.6.70

DO NOT USE: Kept Overcharging MeAt first Grid was amazing for me, however after a while I had forgotten about the app and hadn’t used it, and every now and then it would charge me for ten dollars for the subscription it has that I signed up for. I didn’t think much of it and kept meaning to go back and cancel. I also did owe a repayment but I did pay it back, however this recent past few days they have charged me ten dollars about 4-5 times basically taking out 50 dollars out of my account, at first I thought it was because my repayment didn’t go through and they were charging bits of it towards that; however it did go through and they essentially took another fifty dollars from me, taking about 100 and some change out of my account. And then their support/chat wasn’t much help, taking forever to respond back about canceling the subscription, and STILL haven’t done so! They’ve been taking money out of my pocket in these small ten dollars charges within the last few days with no support team being able to speak to me, like an actual human. WILL NOT BE USING AGAIN.Version: 1.7.13

I feel like I got scammedOkay so I’ve been with Grid for about 15 months now, I’ve opened credit line and paid my minimum every month, never had any missed payments. Well I signed up for credit builder where they guarantee either your credit score will improve 100 points or they’ll pay you $3000 and yes I’ve read all the terms. I met the goals every single month, even the twelfth. I inquired about the program and how long it would take to receive the $3,000 since I was 8 days from “completion” but had already met the requirements for the 12th month, and my score had only improved 50 something points-so they owe me $3,000! Next thing I know I login and they’ve reset my progress to 0/12 months counting my progress towards 1 month now. Fraudulent as F! Don’t even waste your time..Version: 1.7.01

Credit Line Will not IncreaseI started the credit line process with Grid. And they give you the option to increase your credit line every month , with meeting certain goals. Ive done this 2 months in a row now but there hasn’t been in increase for either month. There’s always an issue with payments at the last of couple of days of the month, there’s either an error or grid has trouble process transactions, in my case I had more than enough money to complete a transaction , but the app keep telling me I don’t have any money in there. I’ve reached out to customer service to no avail and they tell me each time they’ll give me an answer shortly. They told me “ Please refrain from further replies to avoid delays”. And as I said before this is the second month in a row. So this is false advertisement. You’re better off finding an actual credit card company if you’re interested in a credit line..Version: 1.7.17

Do Not Trust This CompanyI made a payment on October 18th in full for the amount due and the status on my account went into pending but never credited the account. Today the account magically went back to showing I owe the full balance with a new due date never having credited the account. The payment shows clearly in receipts and shows that it cleared; however, they conveniently will not explain why this is or what has happened to my payment. I had to file a dispute with my bank today and when I attempted to ask them to close the account they said they can’t because it shows I owe money ironically. So my next step is to file a police report. There are no live reps or chat despite it stating there is a chat feature and when they respond it appears to be computer generated responses. There is no way to contact anyone and when they draw off your account it doesn’t show the Merchant it instead shows your name and debit as though you’ve withdrawn money from an ATM. Also, this account changes with every update which in my opinion made it worse and worse. Do not trust this app!.Version: 1.6.61

Terrible app- terrible customer serviceI joined this app and connected my bank account in order to try out their advance option. It asks you to add your debit card to they can use that to deposit the advance. So it’s not charging you money it’s just asking you to add your debit for when they send you the advance. Simple right? WRONG. This set up is the exact same as Brigit, Dave, Empower, Cleo etc… the only difference is ALL OF THOSE connected easily and work just fine. Grid kept “declining” my debit card which doesn’t even make sense why it’s declining when I’m just adding it. I’ve used this card on several other apps, use it daily, have 0 issues except here. I reached out to customer service 4 times trying to explain and it’s like talking to a wall. They give you short answers that don’t explain anything or try to solve it. Their last response was. “ Your card failed the pre authorization contact your bank” Pre auth for what? An amount? How much? Your app is just asking me to add the card so grid can deposit. Why are you pre authorizing an amount? No clue what they are doing I would stay away from this app because if they can’t even figure out or comprehend a simple issue like this. What’s going to happen when a hacker steals everyone’s info. They are screwed. Stay away.Version: 1.6.72

I should have read the reviewsLol I’ve had an iPhone for years but have never left a review. This will be my first. I deposited money into my account (I have a real bank) via a transfer because I didn’t trust the direct deposit. Also, I enjoy my regular bank. I just saw this as an option to build credit. It’s been about two weeks without the money I deposited. I’ve called my bank and reported the fraud so I’m confident it will be handled. After reading the reviews it appears they hold people’s money without due cause. I’m put a fraud alert on my credit after dealing with this company. Customer service has not resolved or provided much detail as to why they’re holding my money. I read a review on here where someone said they were going to be homeless due to using this service and the developer replied basically calling the person a liar. It’s so bizzare. But I’m keeping a record of everything in case there’s a class action law suit..Version: 1.6.68

Better BEFORE Recent Changes!I don’t know what happened to Grid with the most recent update, but PLEASE change it back to the way it was before!! It used to be that you could repay, request another advance the same day and receive the new advance by the following day AT THE LATEST. It was honestly what made them the absolute BEST! Now, you have to wait 1-3 business days after repayment to request another advance and still wait after that to receive it. There was no reason to change what wasn’t broken. I just had an advance that wasn’t even due until 10/11 and I repaid on Friday, 9/30, and I STILL can’t request yet. Nonsense. There’s NO reason for it. Grid WAS my number one go-to app but now they’re just like all the rest. For $10 per month, I expect better..Version: 1.6.58

Previous loyal subscriberI am super sad to put this on here that Grid does not recognize loyal subscribers in that after two yrs of consistent on time pay history, when they change the due date every advance period they cancel me as a member due to not being able to pay my advance back through my debit card and had to pay it back through ACH w/ my checking acct but it was paid, now they say that as a result of my card not being available for paying the advance back they state that I’m ineligible for the premium services, which are what exactly?? And according to most of the reviews on here they aren’t a satisfying service for several others. Just super sad and just really disappointed. They are very shallow and uncaring in responding to the dilemma which w/ being a long term w/ excellent payment history customer I would think they would want more customers like me. Evidently not😞.Version: 1.7.14

Don’t use this appI would give this ZERO stars if I could. This is a scam. This company will charge you 9.99 mo EVEN if you ask to cancel the subscription you have. I sent them a message asking to cancel my account after I had paid back my $50 advance. I thought they had closed it but they have been racking up charges for all these months saying I have never asked them to cancel my account when I did. And if they think you owe them money they will not cancel your account until you give them what they think you owe them. Also they will not let you remove your banking information until you pay them so they are essentially holding your bank account hostage by doing this. The “Grid Team” only sends back generic responses to your request but no one ever does anything to address your request. It looks like I am not the only one this has happened to though by looking at the other reviews. I have reported them to the better business bureau. I encourage you to use another cash app if you need an advance. There are other legit apps out there that work well and are not a scam. Don’t get sucked into this one..Version: 1.6.60

DO NOT USE - Unreliable & Terrible Customer serviceLet me make a few notes here: Do not trust them with your money. These 5 star reviews are completely false and sound like a person working for them made them. First off - There’s no proof on how or if this helps your credit. I’ve asked them and I got multiple different answers which none showed how they help improve credit. Second - if you set up direct deposit, it may not show up for days after your payday. They will blame the reason for this on your employer but 99% of the time that is not the case. I’ve had this happen 6 times now and they ask to send them a pdf for proof. Third - if you borrow money from the credit line, watch how much it paid back. They will withdraw money from you account even if it’s been paid already. Yess this has happens multiple times now. Overall - this app could be 10x better but the developers have done a horrible job. Stay away if you can..Version: 1.6.79

Grid was great until it wasn’tFinancial hardship is tough, especially when you’re a single woman with no support. I’ve been using Grid for several mths now, never missed one repayment. The last transaction was pulled from my bank account back in early July. I wasn’t able to get another advance bc the app wouldn’t connect my bank account ( I check my bank account & every time I attempted to reconnect my account, I would see 0.0 posted so Grid was definitely able to get thru to my account). I’ve been back & forth w/ Grid for almost a month & the refuse to fix the issue. And the worst part is that they always respond suggesting and assuming that the issue is on my end. This app is unreliable & customer service is sub par, at best..Version: 1.7.00

Don’t use!!!All this app provides is a broken promise. You have to do a $10 subscription to even get a cash advance. What’s even worse is they charge you every month! For a subscription that you do not even use and when you go to cancel because you don’t use it and they keep trying to take money from your account you cannot cancel until ALL subscriptions are paid. For example let’s say i bought the subscription for $10/mo in January used it, payed my cash advance and didn’t use it anymore for that month. That following month on the same date they are gonna try and charge you $10. Let’s say it’s April and you say you wanna cancel because you aren’t evening using the app. They won’t let you cancel your subscription until you pay $10 for February, $10 for march, & $10 for April. When you only used it 1 time in January! Wouldn’t recommend to anyone..Version: 1.6.47

Subscription scamThey will tell you that you’re approved for an advance and you have to wait 2 to 3 business days to even receive it, which is purposeless for cash advances in general. Additionally, when you pay it back, you have to wait another 2 to 3 business days to be able to request another advance. And then the cycle repeats. This is the most useless app for a cash advance if you’re going to make people wait days on end. Additionally they have a subscription of $10 that they charge you for whenever the money is deposited into your account. So no matter what you are forced to pay an extra $10 on whatever advance you receive even though they claim that there is a free version and even if they claim that they canceled your subscription the minute the money hits your account. Once again you are automatically signed up again and forced to pay $10. Read the fine print. SHAME..Version: 1.7.13

No SuppprtUpdate - (it doesn’t get any better) I have been trying to change my bank account since last Friday and cannot. I’ve emailed support to cancel my account 3 times in the last 48 hours since they don’t work with chime banking. And only response I get is to try to get me to stay for the grid credit line which they have told me numerous times is not available in my state. I can’t be much clearer when I say cancel my account. They’re so desperate to get that $10 month subscription pay. I have been messaging support for two days now with no response bc I had an unexpected bill to hit and needed to cover it. They’ll instantly take your money when you repay but won’t allow you to advance for at least 3 business days. I repaid early by 4 days (money was taken out of my account immediately so I’m counting that as day 1). If I had known about the bill, I wouldn’t have repaid the advance early. Regardless, don’t expect much help from support. They have ignored me all day. Their PayBoost is not accurate either. I purposely have more taxes withheld from my paychecks every week to get a refund. Payboost is claiming I’m underpaying. IRS estimator is claiming I’m overpaying. I was curious to see how well it works considering nothing else works like it should in Grid. Don’t waste your time. This is actually my second go around with grid. I was really hoping they got better over the last year bc the things they promised sounded great but they have not gotten better.Version: 1.7.04

Worst app - DO NOT DOWNLOADAll I want to do is cancel my membership and delete my account. Doing so is like having to explain to a frat boy that no means no. I don’t need to explain why I need to cancel my membership and delete my account at all, much less multiple times. I JUST DO. And then you want me to stay active in a chat to explain it again. I don’t have time for that. Worst experience ever with any app. There are so many better ones out there. DON’T DOWNLOAD this app or they will take advantage of you and then do their best to make you jump through hoops when you decide you want to get rid of it. They just want your money and will make it difficult for you to cancel and delete your account in hopes you will get tired of trying so they can keep getting your money..Version: 1.7.01

Deceiving Customer Service and AppThis company is horrible . I was told to use this product I would have to reactive my account . In reactivating my account this company told me I was able to use the services . Due to using my previous account I was unable to use the services and was not able to get a refund . I literally purchased this product cannot use the services and they will not refund me as I am in the billing period of the month .. I purchased this a couple days ago . It is very unfair to customers who may think you can use their services and you receive $5 for a membership. The customer service is through chat you never talk to a live person and they seem to communicate on their own terms . What they are doing is frustrating to customers and they have lost me as one . I would like a refund of my purchase . Wow I used your product for nothing , can’t use it and am still being charged a membership fee . I had this for a whole three days . Because I , “attempted “ to use this product I can’t get a refund . Well I attempted and can’t use it so what is the purpose of having it . Yes , of course anyone would want a refund. Customer service who knows if they will even get back to me . They seem to pick and choose and responses could be immediately or days after . Horrible app. Really such a SCAM..Version: 1.6.42

Waste of timeI was late on a payment, which I paid for and my subscription was due of $10. I paid, and now it’s saying I am not eligible for a cash advance. Hm, ok i’ll contact customer service. I text the customer service, it took a whole day to respond back. Once James responded back, he only said 2 things and never replied back to me when I still needed the help as he said “ Thanks for reaching out with Grid+ support, my name is james and took a look at your account to assist you, You should be able to request another cash advance by going into the cash advance button. Thanks for being a grid member.” that’s all. I responded with a screen shot of what’s happening, NO response. Their customer service is suppose to reply within 12pm-9pm Monday-Friday. Get better. I shouldn’t have to explain to myself why I was late, because it’s a legitimate reason, and i paid my $10 membership, yet I’m not able to get any cash advances anymore? Why am I paying for. membership if I’m not able to be eligible anymore..Version: 1.6.90

Ok option for cash advanceGrid is a pretty good app for cash advance and is very easy to use and navigate the app. The reason for my 3 stars is because I feel the app doesn’t work the way they say it’s supposed to. The advance starts at $50 and the app states that for each advance you pay back on time you go up a level (which means they give you $10 more each advance until you hit $100). I paid back EVERY SINGLE advance on time and there were times I waited months to get a higher amount. Also, it takes FOREVER for their advances to clear and get a new one. They will tell you it’s based on your bank but my bank is SUPER quick so I don’t think it’s my bank. Otherwise if you don’t mind paying a $10 monthly fee and are willing to wait close to a week to get a new advance if you need it, go for it..Version: 1.7.10

Worth it? We’ll see.I had been trying to get an advance from grid for a couple weeks now. At first there was an “error” with my account. Ok no problem got it fixed and I had all green marks however for a week straight it kept telling me there was an error with my account and I could not get it figured out. Today after getting paid a few days ago I decided why not try again and see what happens. After reconnecting my bank for the umpteenth time, I finally got a message telling me that I’m approved for $50 and should receive it by December 8th 2022. I will update this accordingly with what happens or when I get the funds, if I actually do after going off of these reviews I’ve been sitting here reading..Version: 1.6.67

Horrible app. Deceived me out of $70+I downloaded this app in Nov/Dec 2021. Quickly realized this wasn’t what I was looking for. I know for a fact I canceled any type of subscription or obligation I had to them. Yet here comes July of 2022 and they charge me $10 per month for 7 months of back pay subscription charges. I never once actually used the services of the app. And again, I know I canceled any free trial I signed up for, because I deleted the app. I had to reinstall it to file a complaint. And since they took that money, it sent my checking account into the negative which triggered a $36 overdraft fee PER CHARGE. i would not recommend this app to my worst enemy. Terribly disappointed and furious that they waited this long to randomly debit my account like this. I demand a refund of all charges including my overdraft fees..Version: 1.6.42

APP IS A SCAM, PLEASE DO NOT DOWNLOAD!I was desperate for money, so I started searching for cash advance apps on here and I wish I would’ve listen to the 1 star reviews because now I feel like my information is not safe. They make it impossible to delete your account, giving you the run around in the chat and they tell you in 1-2 days you’ll be added to a support que and from there someone will delete your account. The other extremely sketchy thing is, I did not take out the advance, and whenever I try to delete my bank information from the app, it won’t allow w/o confirming these supposed deposits that they make but you can’t confirm until you finish taking out the advance which requires a $10 membership…meaning you basically have to pay $10 to delete the information, which you can’t even really do because it only gives you an option to switch which bank you’re using, not delete it completely..Version: 1.7.01

Objectively the worst payday loan appAs the title says, this is objectively The worst payday loan app, and I have tried a LOT. They force you into a subscription that you can only cancel by talking to a rep, which isn’t unheard of. The amount of money offered essentially never goes up, despite the fact I’ve continually made MORE money each pay period. And the most important to me at least, there is NO lightning or fast transfer for advances, meaning you will have to wait somewhere in the area of 2-5 business days. To me that is totally unacceptable, most people that use these apps aren’t using them cause they want 50 dollars in a week… I would strongly consider either never using this app, or waiting at least until they have a fast transfer option, because right now they may be objectively the worst payday loan app..Version: 1.7.01

I WOULD GIVE 0 STARS IF I COULD !!!This is the WORST APP I HAVE EVER DOWNLOADED IN MY LIKE !!!! I AM HIGHLY UPSET I HAVE A NORMAL JOB AND GET PAID NORMALLY Just LIKE EVERYONE ELSE ! I signed up for this app 5 months ago ! Upon signing up I linked my card successfully but before the page could load I get and error message ! I close the app then once I open it back up it tells me my card has no consistent deposit but it has consistent spending! That makes NO SENSE AT ALL ! I CANT SPEND IF THERE IS NO DEPOSITS ! It also says my card hasn’t been active for 60 day ! I HAVE BEEN USING THE CARD FOR OVER A YEAR ! I have tried EVERY CARD AND I HAD THEN ALL FOR OVER A YEAR AND AND IM ELIGIBLE WITH EVERY OTHER ALL INSTEAD OF THIS ONE! Same error message pops up when I apply for pay boost as well ! THIS ISSUE SHOULD HAVE BEEN FIXED AFTER REACHING OUT TO CUSTOMER SERVICE 8 TIME WITH NO RESPONSE ! ITS BEEN OVER 5 MONTHS ! DO NOT GET APP ITS A WASTE OF TIME !!!!!.Version: 1.6.38

Stay Away if you use Direct Deposit!Let me start by saying their Cash Advance Program is absolutely worth it. It was great and led me to believe that switching to direct deposit to get the credit line would be worth it… Absolutely awful direct deposit services. They take longer than normal to have your funds available, and frequently have additional delays. I have had three direct deposits so far, with the third stating it has been deposited on my payroll app, but the funds are still not available for the recent deposit! Let’s not get started on how abysmal their customer service is. They have no number, just a chat bot that is awful. If it cannot solve your problem, and it will not, then you can email a ticket that won’t be responded to until 2 days later. I will not be keeping direct deposit through this service and I HIGHLY suggest you don’t move your money here..Version: 1.6.65

Deeply regret trusting GridReview for Grid Rating: ★☆☆☆☆ (1 out of 5 stars) I was initially drawn to Grid because of their commitment to "financial empowerment" and promises of innovative credit-building tools. Their mission to help people navigate life's financial ups and downs resonated with me, and I had high expectations. Regrettably, my experience has been nothing short of distressing. Despite their claims of building financial products for those most in need, Grid's inability to maintain a functional auto-pay system has significantly and negatively impacted my financial well-being. For 12 months, I diligently paid the $10 subscription fee, trusting Grid's promises. However, due to a single failure of their mandated auto-pay feature – its core function – I suffered a missed payment. This has resulted in a devastating 28-point drop in my credit score, tarnishing a four-year record of impeccable payment history. The consequences of this oversight are far-reaching. My credit standing was downgraded from "Good" to "Fair," causing immense distress and frustration. For a company that claims to be committed to empowering its customers, I feel disempowered, disheartened, and deeply regretful of my decision to trust Grid's credit-building services. The gravity of this situation seems to be lost on Grid, making it all the more alarming. To potential customers: Please proceed with caution. The repercussions of even a single oversight on their part can be profoundly damaging..Version: 1.7.03

Good App that could be Much betterI like Grid I have been able to get 5 cash Advances over 7 weeks. However I have paid each one back with a debit card and it is always 3-4 BUSINESS days before I can get a new advance? It states 1-3 business days and I have asked who gets one business day? Since I have a track history and pay with a debit card I would think a new advance should be instant or no more then one business day. Today after 4 business days I took a new advance and paid the $2.99 for instant deposit. It took 5 hours to get to my BofA debit card. It was nerve racking. No help from Support I requested help at 4am and 6 hours later have still not heard from them. They state after you write a ticket 1-2 days before they reply. That’s a VERY SLOW reply rate and they don’t have a Phone # So Support is very slow and dismal . It should not be this difficult to get an Advance. Nor should it take so long to get any meaningful support. Grid should learn to improve itself instead of getting worse. It could be a 5 star company but with very little support and issues getting advances out. It’s more like a 2 star.Version: 1.6.62

BEWARE!!!!I paid for the app one time then requested to cancel it. I have a lot of charges going in and out of my account every month so if I miss a $10 charge I guess that’s my fault but when you request to cancel your account and don’t sit there and wait for 15 minutes for a “live agent“ to literally ask you why you’re canceling they don’t cancel it. I found out the hard way by noticing the charge this morning going back and working and I have been charged over $100 over the last year and never once use their app when I explained this to them, they told me, sorry for your concern. Is there anything else I can help you with? Companies like these off of people and make their money the wrong way it’s the modern day mob. I will be leaving the same review across every single platform. They are horrible and I would never literally never suggest this app to my worst enemy. Users beware.Version: 1.7.04

Do not bother with this app.I was able to borrow cash after a monthly fee, which other apps you do not need one and also pay for instant transfer. During the time that of the loan I had my card compromised and the loan was not prodded by card but by ACH. By dong this they flagged my account but they did not tell me or cancel my subscription. I few months passed and I had to borrow again. That is when there was an error and contacted customer service. They said that since the card did not go through before then the only thing that they could to is cancel the plus service and I could not use it again. I asked for a refund for the no that’s that they charged the monthly fee and that I would not have been able to use, they said since I did not contact them before they could not do anything. How would I supposed to know that they flagged me and unable to use there plus survive even though they were still charging me. DO NOT USE THIS APP THERE ARE OTHER APPS THAT OUT THERE THAT DO MOT CHAGR A MONTHLY FEE.Version: 1.7.13

HELP THEY ARE WITHHOLDING MY PAYCHECK!!!!IF THIS DOESNT GET RESOLVED TODAY I WILL BE HOMELESS TOMORROW MORNING THANKS TO THIS PEOPLE!!!!! I would give a 0 start if that was even an option. I was supposed to be paid today and on my payroll it shows I was paid, however on my account it’s not reflecting. Here’s the problem, I live in the state of FLORIDA, sadly, and they can give you a three day notice if you don’t pay rent on time. So I was told that I needed to pay before or on 12/09 (today) or o would be kicked out of my home. Which wasn’t a problem cause I was being paid today and everything was going to be fine. WRONG! Turns out this people didn’t post my paycheck on the account. I have been trying to communicate with them via CHAT, EMAIL and CALL, NOTHING!!!! I have left 2 voicemails explaining my situation and nothing. The only thing I got from them was a generic email about how to reset my password. 🤬 WHAT?!!! THEY ARE SCAMMERS, RUN FOR YOUR LIFE!!! RUUUNNN!!!!.Version: 1.6.68

Horrible appI have direct deposit set up within my account and have a lengthy deposit history within said account. This app is so faulty it didn’t recognize any of my direct deposits. Also, the membership price is unnecessarily high and to top things off they also charge you an instant deposit fee. Apps like EarnIn and Brigit don’t make you pay such a high membership cost or any at all. And they don’t make you pay an instant deposit fee. This all seems like a buggy cash grab. That’s why this app is so low in its ratings and reviews within the app store, compared to other finance apps. It just can’t compare to its competitors. Also they try to scare you into not deleting your account by informing you that if you do delete your account then they won’t allow you to come back and create another one. That one made me laugh. If I could give this app a lower score, I would..Version: 1.7.01


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