- 92.6LEGITIMACY SCORE
- 93.1SAFETY SCORE
- 4+CONTENT RATING
- FreePRICE
Credit Genie App Complaints & User Negative Comments 2024
Credit Genie app received 39 complaints, negative comments and reviews by users. Have you ever had a bad experience using Credit Genie? Can you share your negative thoughts about credit genie?
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Credit Genie for Negative User Reviews
✓ UnreliableWhy do you make customers reconnect their bank account for every advance? None of the other apps do that. Now because of a bug in your system with saving bank account connections, I am 2 days without an advance I was counting on having to avoid overdraft fees with my bank. This shouldn’t even happen in the first place. When it comes to money, reliability is just as important as working well sometimes. Somehow there’s never a bug with connecting to my bank account to get your repayment, but this is the second time a bug has prevented me from getting an advance..Version: 1.1.6.1
✓ They must be deleting reviews somehowI left two reviews yesterday and not one of them are showing up here so it sounds like they are removing reviews or something weird is happening. Anyway, I’ll just post it again. 😀 It’ll work at first (maybe) but screw you in the long run. The $1.99 a month sounds good until you are reminded that you get what you pay for. Their phone number is just a dummy number so people won’t complain about not being able to contact them by phone, and where we used to receive replies in 12-24 hours has now stretched to 5-7 BUSINESS DAYS. I’m still debating on whether or not to contact my bank regarding the issue I’m having as I’ve been MORE THAN PATIENT with these people , but at least I have proof that I tried to resolve this with the company WITH NO REPSONSE..Version: 1.4.0.1
✓ Kept freezingRight after connecting my back the page froze on saving. And it wouldn’t budge. So I tried it again. Same thing. Then I uninstalled and reinstalled. Nothing. So I’m uninstalling. Sorry I couldn’t use this app. Was looking forward to it. Maybe at a later time when they fix these bugs. Update: I contacted you guys by email and haven’t got a response so I did reach out directly. I’m going to delete and re install and see if the issue is fixed. If not I’ll email you guys again..Version: 1.1.5.1
✓ Scammers & Does not workI must’ve downloaded this app a long time ago and forgotten but I really have never used it much. Anyways, just received a $2.99 charge today out of nowhere from these people, so somehow they charged my card out of the blue without my authorization whatsoever, they don’t have a website, instead you have to use their app that does not work and supposedly hasn’t worked since early October so how I could just get charged out of the blue when the app never even worked for me to subscribe to anything is beyond me. They have one support email that does not reply, i’ll be contacting my bank, thanks.Version: 1.8.8.1
✓ Integration is terrible and you pay for it…The integration for this app seems to be terrible as it doesn’t support a lot of various banks. I know these products well as I’ve worked for a few in the past. They either don’t lend directly or have a mid tier partnership with a few and backed by a investment partner. I’m surprised whoever is partnered up with Credit Genie allows such poor integration with banks and a pretty ugly front end (pages don’t line up, fonts are off, etc). Fintech is hot right now but seems they may miss out on a lot of opportunities..Version: 2.0.5
✓ DO NOT GET THIS APP!!!!At first, I was able to successfully use this app for a cash advance, but then I started getting error messages about being unable to connect to my bank account. I contacted customer support immediately, and they said they were having issues with Plaid that could take several weeks to resolve. However, they had no problem withdrawing monthly fees from my account during this time! I was never able to get it to reconnect after trying multiple times over the proceeding months, and now the developers refuse to refund the monthly fees I was charged despite being unable to use the app. They had no compassion and did not take accountability for the technical problems with their app. How can you continue to charge fees when you know your app isn’t working? It’s a scam!.Version: 1.3.7.1
✓ Seemed great until they overdrafted my accountI took a $70 loan. Every single thing in the agreement said that repayment would automatically be taken out on January 5. That’s tomorrow. Then I see this morning, a full day early, they took out a partial payment for whatever reason (first loan, wasn’t late, not even due yet) which not only robbed me of the money I was going to eat with today, but overdrafted my checking account, which I will now incur a fee for. Thanks for nothing crooked genie. Nowhere did it say, nor did I agree to an early auto debit, yet here we are. If they make things right I will change my review, but we all know they won’t. If you’re still seeing this, it means they took the f you approach and didn’t fix their mistake..Version: 2.2.5
✓ Was great until it wasn’tAt the beginning, Credit Genie was a great app. I always paid my advances back on time with zero issues. Until one day I tried getting an advance and I was denied. And after that I continued to get denied every day for over two weeks. After those two weeks I decided to stop using the app. If this is how You treat someone who was always on time with payments and someone who had a good opinion on the app then I won’t be using the app no more. Since then I deleted my account and the app and instead I now use Empower, a MUCH better app where I don’t get denied for paying on time and actually sometimes They increase my advance amount nor do they offer a slap in the face advance like 10$ what Credit Genie would offer Me after months of paying back 100$ advances with absolutely ZERO issue. I recommend EMPOWER over Credit Genie for anyone looking for a much better app. 💯.Version: 2.2.5
✓ Process won’t completeI’ve been stuck on the same page for hours and hours. I connect my bank account it tells me success then it goes to a blank page with a G in the middle of it and the word saving underneath it with 3 dots after it like this “saving…” but it never completes just stays stuck there. I’ve tried restarting the app and doing it over a couple times I even reset my phone and reopened the app and tried again that way with the same exact result. So 1 star is what I’m giving this app because it just doesn’t work correctly..Version: 1.3.11.1
✓ ScamBeware. This app will charge you 2.99 the minute that you link your bank account. They also will not approve you for any pay day loan, and make it very difficult to cancel and be refunded. I sent an email and still have no confirmation of a cancellation or a refund 🤦♂️ Update: I contacted them immediately as I saw the charge show up and asked for a refund and to cancel my account. I received a condescending email telling me that they’ve disabled my account (good) and that they WOULD NOT be issuing a refund (horrible/scam-like). DO NOT bother. Just sort by “MOST CRITICAL” reviews and you will see countless cases like mine. They happily take your 2.99 and then treat you HORRIBLY. There are so many other apps that are much better like solo,Dave,brigit, Albert, etc..Version: 1.7.1.1
✓ Shady app alert!!Please don’t waste your time and money with this app! Credit Genie will mislead you into thinking you qualify for an advance only to get you to pay for the subscription. I reluctantly paid the subscription fee ($4.99) after genie gave me a dollar amount I qualified for. Only After paying the fee was I told I didn’t qualify based off of factors that weren’t listed earlier. I reached out to their support in hopes of a refund only for them block my account 😒 Now I can’t login to disconnect my bank account from this scammy app.Version: 2.2.5
✓ The Worst App EverDon’t even waste your time downloading this app. I downloaded this app to see if it’ll help me but instead it was a scam. They charged me 2.99 just for connecting my bank account and when I was told I wasn’t eligible for any services they offer, I requested a refund and they told me I agreed to the terms and conditions and I knew that I would be charged a fee and they declined my refund request. Thankfully, my bank was able to dispute the charge and put a stop payment on anything they try to charge after that but I was super disappointed in the support this app offers. They are terrible and if you want to save money build your credit you can do that for free there should be no charge in that so don’t download this app it’s a waste of time and money..Version: 2.0.4
✓ Useless AppInstalled this app about 2 months ago. They don’t hesitate to snatch the $4.99 bank connection fee, but won’t approve even a $10 loan. Not only have they denied me every single time I’ve tried, they don’t even tell why I’m being denied, and just to “try again tomorrow”. Meanwhile, when they won’t even approve me $10, on the same day I go to a check cashing store and they approve me for a payday loan of $255. How am I not approved for even a $10 loan when I’m being charged half that for a service fee, and an hour later I’m approved for $255 elsewhere? I recommend avoiding this app, waste of your $4.99 monthly and they won’t even be there for you when you really need them to be. Just use Earnin or Dave for a quick $100 loan or go to your local check cashing store and apply for a payday loan if you need more then $100 on the spot..Version: 2.2.6
✓ Horrible customer service!Not a great experience. The app is very vague, and I have a question about my advance. Requested the advance Friday afternoon it’s Monday afternoon and so have not heard anything. My advance is due is 3 days and I still haven’t even received it. All of this would be okay if I could get ahold of literally anyone to explain the issue. I have emailed and called to no avail. I don’t recommend attaching your bank to a service that can not answer questions. Proceed with caution. I’ll update if I ever actually receive the advance.Version: 1.5.0.1
✓ Frozen in the G logo white screenI’m a new user. I made an account and then I connected my bank and that went smoothly but then right after connecting my bank it takes me to a white screen with the G logo and it says saving… On the bottom of it. I’ve tried twice and it stays frozen there and doesn’t go anywhere. I try to connect to their customer service but the chat said that they can be reached at this moment and goodbye. I want to give this app a try but it’s not working..Version: 1.6.1.1
✓ They need app improvement BIG TIME and low lack of support showsTHEY PROMISE MORE THAN THEY CAN FUFILL. When I used the advance it worked once when the app was newer. Got $100, things were on time for when they said it would arrive, paid it back that Friday. Few months later tried using it again and bank account info was deleted. So it was a pain to get it put back on.. The delay on how long it took to fix it should have been a clear sign of how they would work. This past time, it approved me $20, great because I needed it. Used express delivery (3-5 hours from accepting the advance) and it’s been well over. Phone number for support is always a voicemail… saying their reps are too busy, and email is faster. THIS APP SEEMS LIKE ITS RUN BY ONE PERSON. I don’t recommend using this anymore than ABSOLUTELY NECESSARY. Blank screen when opening app takes 3-5 min to load app, seems like low cost app design. All around poor..Version: 1.6.1.1
✓ OkayThis app has helped me with cash advances but the app is not very user friendly. It doesn’t allow for you to pay your advance back sooner than it’s scheduled. The scheduled pay back date is never on my payday. You can’t chat with support. Also you pay these express fees and the money isn’t expressed into your bank like other apps. It can take the next business day which is not convenient..Version: 1.8.9
✓ StolenI’ve emailed them and told them about somebody stealing my stuff and putting my information on their app. No one has responded back to me and i did a police report and told them whatever money they put please take it back i wasn’t the one who made the account. Customer service don’t work they keep saying it’s takes 3 business days to respond? which is really stupid to me if i’m telling you something i think there should be a number you can call. I am taking legal actions against them and the person who used my information to put on this app..Version: 1.8.5.1
✓ Poor ServiceI’m sorry to give this a one star because I can’t reconnect my bank account to get another advance. It’s not fair because my bank lost connection and I only delete it to reconnect when it’s connect was down. It’s was a good app till this happen. Even if they said they would fix customers to reconnect their bank accounts in the near future, the damage has been done and they lost a customer because of their unfair policies. Update: To clarify my review here. This connection happened before Plaid went down. I borrow from you in November of ‘21. After paying it back, I try to apply for another one, but it could not connect, so I unlinked my bank account and try again. You claim customers can only connect their bank accounts once and can’t connect again after it is remove. I knew Plaid lost connection with my bank because it happened with other cash advance apps. I delete your app after you told me your policy, why should reach out to you when I no longer used your app. This review is about my first experience with this app. I knew all ready about the down connection with your third party, Plaid!.Version: 1.0.18.1
✓ Think twice. Awful!!!!This might be a long review. This app started out great with no issues. Until last month, I’ve always had auto payments turned on and have never missed a payment. Checked my checking account and two payments plus the monthly fee had been taken out. I went to login to the app and was taken back to the verification process. That wasn’t even the crazy part. I had previously “ over a month ago” updated my new cellphone number with no problem but was asked for my old cellphone number to verify who I was I do not have access to the old number anymore obviously. I’ve been trying to reach customer service for weeks with no response whatsoever. I have sent in two emails with the phone verification screenshots once again and nothing. I’m over this with this Grain. My next steps will be with my bank and BBB. I have no other choice at this point..Version: 1.7.1.1
✓ Connected and then disconnectedHello, I tired to sign up for the app. It initially signed me up connected to my bank just fine. That’s not the problem. There was no option to manually put in my address and the app couldn’t find it. I closed the app thinking it would help but then I could no longer sign in. I do not want to be charged $5 for an app I can’t even use. I tried contacting support but there’s literally little to no real support ? No number or anything to truly help. It say to contact credit genie but how can I when I can’t log in 🙃. Update : I was able to restart my phone and log in fine. Still couldn’t properly put in address so I disconnected my bank, and deleted app all together. Sure it will be great for somebody else !.Version: 2.2.5
✓ Rip OffMy request for a loan was denied, yet they withdrew $4.99 from my bank account for a membership that I didn’t authorize. Why would I want a membership from Credit Genie when they denied my request for a loan? I am not stupid. Their customer service was pretty much nonexistent. The only help they gave me was how to delete my account and or membership, but as far as a refund for my $4.99 that they took from my bank account, I got absolutely no response. I will never bother with them ever again. My advice to anyone considering doing business with them would be don’t waste your time or money. They are a RIPOFF!!!.Version: 2.2.5
✓ No Way To Connect with customer support.Only way to connect with customer support is to email them. There is no live chat option or contact number. This app connects to my bank account and I feel as though being able to speak with someone right away is important. Obviously they don’t feel the same. Customers should be number one priority since if it wasn’t for us there would be no need for your services. I have no other issues with this app and would love to give a great review..Version: 1.8.5.1
✓ Reconnecting bank accountI don’t see why the app doesn’t allow the ability to reconnect a bank account I solely was just trying to fix an issue with not being able to take a cash advance because my account was negative when it wasn’t so I decided to disconnect my bank account without knowing I wouldn’t be able to connect it again I contacted support to see if they can resolve issues I heard one of the devs respond and say some of there users abuse this feature I don’t see how and it takes away from real customers like me that have used the app for multiple advances you guys are going to lose a legitimate customer and if this issue doesn’t get resolved.Version: 1.0.18.1
✓ Long waits to be able to get supportI’ve been waiting to hear back from someone about the fact that I selected to have my advance sent express which is an additional fee it showed me that it would be the same day by 9pm once I selected the option it then changed it to the next day by 9pm. That’s not what I agreed to for the fee that I’m being charged. I have tried and tried to get in touch with customer support and all I keep getting is emails saying it may take up to 3 days. This app was a great resource up until this point. I’m very disappointed..Version: 2.1.2
✓ Can’t get advanceDownloaded even after reading the reviews trying to give this app a chance however I should have listened because when I try to see if I can get an advance it gives me a message having a problem checking for an advance try again tried multiple times and same thing. I have deleted my bank info and uninstalled app not worth it. Please do not respond back to this review to reach out to customer service because I am not emailing and waiting days for a response..Version: 2.1.2
✓ Ridiculous.This app is the worst I’ve seen, I’ve deleted it and redownloaded it multiple times after it connects to my bank but won’t “save”. I get emails from my bank saying it’s connected also, and plaid says each time that it’s connected, but the app itself refuses to load or save the information so that I can get an advance. It’s almost as if it doesn’t want you to use the service. So stupid. Save yourself the effort. Response to developer: You can only create 1 account per phone number. So I’m not sure how that’s possible with my bank account being connected. And for your reference for further responses, unless things are set up- you can’t access ANYTHING. Nothing shows in the app other thank your name, email or phone number. So there isn’t a way to know who to contact or how long to receive a response..Version: 1.0.17.1
✓ They deleted my review if that tells you anythingAfter putting my title as sounds like a scam to me, was curious and scrolled through other reviews…..funny how often the word scam appears in other reviews, because it is. They’re just going to deny you an advance, but continue to take money from your account hoping you forget about it and they can keep skimming from a bunch of peoples bank accounts. Then take 3 days to respond to an email and refuse to refund your subscription payment for their useless service you paid up for the next month, even if you cancel it same day..Version: 2.1.5
✓ Does not work no supportThis app was fine until this week. It does not read my bank information. I have installed and reinstalled. I don’t delete my bank account because I will be told I can’t add it for 60days. No help from support and it has been three days. There is no other way to contact support and it’s frustrating. Is someone going to contact me before I delete my bank information and close this account. The comments are very condescending from developers and they advise what we should do, but they are not responding. Their response was poor when finally received.. BEWARE: If you send more than one email requesting assistance, per the response I received, your request will be placed to the back of the queue. They simply have a poor communication method and not enough people to assist. If they did not have such a delay in responding they would not have a backlog of emails..Version: 1.8.4.1
✓ Waste of my timeUpdate: i think it’s funny how you guys still claim it’s the user who did it. PLEASE send me the proof. i would absolutely love to see it. since i DID NOT disconnect my bank. instead of being so condescending like you all have been towards every review that addresses this issue. it should be considered constructive criticism and feedback to you all. it’s a shame. can’t change how some companies work unfortunately. but you can definitely change the tone. i work in customer service and i always accept feedback whether i like it or not. and i DONT come off rude either. i recently downloaded the app in hopes of helping me out with my financial bumps i tend to have. it happens. went to go connect my bank since i noticed it was disconnected. now i’m having to wait 60 days to reconnect. when i HAVE NOT disconnected my bank whatsoever. i reached out to customer service, which didn’t get me very far. saying i disconnected it myself and it’s the systems automatic decision of 60 days. which is insane. instead of blaming the person using the app, try and understand that it’s 9/10 THE APPLICATION!! i deleted the app because i am not paying $1.99 for someone to tell me i can’t reconnect the same account since i supposedly “disconnected it myself”. i’m not wasting my time or giving you guys my money. i’m also reporting this to apple because it seems like i’m not the only one who’s having this issue 🫶🏼.Version: 1.3.14.1
✓ Was going well and then nothing….For the first month everything went well with the app. I received a loan, paid it back and received and second loan. It is due to be paid back tomorrow, but for the last week I have tried to open the app and it is frozen on the app title screen. I did perform all of the updates that were posted in the App Store, but I am receiving the same outcome. I cannot enter the app itself at all. Any assistance would be appreciated. Thank you..Version: 2.1.5
✓ APP DOESN’T WORK!!!Tried numerous time to connect my bank, it connects “successfully” then when it says it’s saving it it never does. Every time I go to the app I have to reconnect my card so I have been unable to get an advance because I can never get pass this step. Sent multiple emails with no response. This app was made as a copy cat of the other advance apps but it doesn’t actually help you. Just there for sure and I’m certain the good reviews on here are fake because there is no way anyone likes this app. I should have listened to the reviews..Version: 1.8.5.1
✓ DON’T downloadIt’s crazy how I been seeing a lot review about you guys disconnect someone bank account but the app is blaming us. I still took the time of my day to just be nice and give y’all try. Out of no where gotten took $50 outta my bank. When I didn’t even accept anything yet. Nice try. Stealing people money is sad. I don’t understand why this app even says 4+ age if that don’t tell y’all nothing yet. Then I don’t know what to say. Update : I have a friend that work with apple company, so I’ll be sure to let them know about this. It shouldn’t be on app anymore..Version: 2.1.6
✓ App doesn’t workEDITED TO UPDATE AFTER DEVELOPER RESPONSE: I did contact Credit Genie via email. No one bothered to respond after several days. I did not disconnect my bank account, and it’s probably not helpful for you to write back to your users in such a condescending tone. The app prompted me to add my bank account, I linked through Plaid, and then got stuck on a Saving screen. It should never just get stuck on a screen; that is a flaw in design. You should probably take the constructive feedback that users leave instead of writing rude responses. Perhaps listen to what people are saying instead of defensively telling them that they’re wrong. 🙄🙄🙄 I used Plaid to log into my bank account and then it goes back to a credit genie screen that says “saving” and gets stuck there. It never saves. I have tried uninstalling and reinstalling the app. Same thing. Don’t waste your time.Version: 1.3.11.1
✓ Never got my advance!!!So I applied for a cash advance and they said it would deposit into my account on the 4th of November. Well I never got it so I called and they said by the 5th I said ok never got it. So then I emailed and they said you should receive it by the 5th then another email said sorry we have a glitch in our system and it won’t deposit til the 8th now?!?!? Come on are you serious??? This seems like a scam to me and no one will be taking any money out of my account because I never received a advance. Pretty disappointed right now needed it for a bill that was due yesterday and now today it’s late! I wouldn’t recommend using this company at all! They don’t deposit they just want to take money out and you think they deposited money…. I wasn’t born yesterday so I will not be giving a good review a constant run around. What a joke!!!!!!!!.Version: 1.0.5.1
✓ Call Your BankThe numerous people on here saying that they are getting charged the 4.99 fee each month, yet don’t use the services and/or cancelled/closed your credit genie account need to call their bank and put a stop to them taking your money - so glad I read the reviews before signing up. Also, the one person who said they used to be able to borrow more, but can now only borrow $10 or something & now they can’t pay their utility bill - you shouldn’t rely on this to pay your utility bills every month - it seems you’re stuck in the cycle where you have to keep borrowing - try to get out of that cycle - go to work a few days a week extra through a temp service or something to get caught up & get yourself out of this endless cycle, because it will never get better like this.Version: 2.1.6
✓ Meh 3.5 starsThis app appears to be a case of "you get what you pay for". The $100 cash advance for $2.99 was a $60 (first time advance) plus tip. It took 4 days to hit my account. The other services they tout aren't any better than the free or included services other apps provide. I'll stick out to see if the credit building card comes available soon but if not I'll stick to money lion, where advances are much larger and instant, along with unique financial tools..Version: 1.8.2.1
✓ Alright at firstLet me borrow no problem but after only two times it wouldn’t let me a third time even tho I paid them back and never missed any payments they said I didn’t qualify to borrow a third time and that paycheck was way higher than usual. I guess if you need it one time is cool but more times not reliable they will leave you hanging and short $100 with no explanation but oh you still have to pay $4.99 a month for it and if you unlink your bank you can’t re-link it for 30 days so I just unlinked and won’t be using again bye credit genie. Chime and Cash app lend you money and they don’t deny you if you pay your balances back..Version: 2.2.5
✓ Stay away from this one!I downloaded the app and put in my bank account information. BIG MISTAKE! As I was trying to put in the rest of my information, (Specifically DOB), it would not let me click the submit button. I emailed and waited 3 days. In the meantime they debited my checking account. I then forwarded my previous email and sent it top priority. I let them know that I still had not received any assistance although they had taken money out of my account. I said if they weren’t going to assist me I would like to cancel my account and have my fee reimbursed. Then I received an email, (funny that nobody emailed me until then), and was told that they closed my account but would not be reimbursing the charge. SCAM!.Version: 2.1.4
🙂 Credit Genie Positive Reviews
Credit Genie works most of the time. If it is not working for you, we recommend you excersise some patience and retry later or contact Credit Genie.
⛔ Credit Genie Problems
