Credit Genie
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User Reviews for Credit Genie
They need app improvement BIG TIME and low lack of support shows
THEY 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.
App doesn’t work
EDITED 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
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.
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.
You saved the day!
This was quick and easy! I love it!I am disappointed with credit genie! I was approved for 2 cash advances and attempted to take another one but was disqualified because my payroll frequency does not meet credit genie guidelines! I am confused my checking account is 27 years old. My payroll frequency is every other week. I called the customer service number in the app and I can never get through! I sent 2 emails and no response. So I attempted to remove my bank info and reenter it thinking something was wrong on my end . Now I am getting a message stating I can’t enter the same account number. This is so frustrating! I need to ween myself off of these Apps because they are nothing but trouble!!!
Call Your Bank
The 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
waste of my time
update: 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 🫶🏼
Does not work no support
This 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.
Poor Service
I’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!
Wouldn’t recommend.
I’m pretty sure it’s a Ponzi scheme that’s not even worth providing your information to. Any issue u may have, there’s no support to contact other than by email. On top of that u will get a “we got your email” automated response and probably won’t hear from an actual rep for weeks. Again by email. 🤨 Not worth a penny out of your pocket nor a second out of your day. I can recommend others who are promising, just ask..Now watch some typical “just saying what they pay me to say” rep respond to this review faster than any service u would get addressing any personal issue.
Description
Improve your financial health with breakthrough financial tools and services from Credit Genie. GET A CASH BOOST UP TO $100†: We all can use a little boost from time to time. With Credit Genie, you can access up to $100 with no interest and no credit check.
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