Ok, this app has been amazing for the entire first year I used it. Today was my first real hiccup. A few weeks ago, the day I paid my advance back, $75 I didn’t request was instantly deposited into my account. I needed it, so I didn’t think anything of it. I woke up this morning and they take the payment for that. Cool. I then get another alert that $75 was deposited into my account I didn’t request. I instantly paid it back (including fees). It happens again. I see that overdraft protection is on, for $75. I instantly turn it off and change the $75 overdraft amount to $200. I wouldn’t use a cash advance app for anything lower than $100. It happens again. In the amount of $75. Not the $200 it was set for. So, I contact support and I’m told it was because I opted in for overdraft. I never even knew there was overdraft in the year I’ve used the app. It must have auto reset when I updated the app last. I’m told it was my fault, nothing could be done, and to just pay it back. How many times am I expected to pay the same $75 plus fees back in a few hours span? I will not be paying it back again today. But this was a little ridiculous. Inspired me to find a new cash advance app.

I sent him a picture showing them that I’m not signed up for their overdraft protection for what on my other accounts , the picture shows that it even states that I’m not even qualified for overdraft protection, but they took money out of my account the same amount as a cash advance. I don’t want no cash advance, but they’ll bully you advance because they state that they can’t give you your money back if they make an error … not even a week after I got one advance they take a monthly fee. They don’t wait .. I didn’t send 1000 emails and I get AI .. saying that I’m not getting my money back, forcing me into a cash advance.. I keep asking for you to close my account. They won’t do that because they’re gonna come up with something else to charge me for no reason. Protect your kids your family and friends and self from kickoff and from this one too . These crooks used so many different names and systems to hide who they are because once you get screwed over and not want to use one service, they’ll sneak back in when you need help and bully you into paying stuff that you don’t even use.. make sure you tell your kids not to use these apps. Make sure to protect your parents as well. Even without an advance, they will take your money and basically force you to use their service by taking your money out of your account unauthorized.. put you in limbo for days.. That’s not helpful to nobody.. they’re crooks

I do not recommend the Grant App in the event you are really struggling to make ends meet. It started out as reasonable but that quickly devolved to more loan shark tactics. I personally had a medical emergency and a case of fraud with my primary bank account which led to a more complicated moment to address and correct. I contacted Grant, explained the situation and requested just a brief extension. The response that I got was that their funds retrieved system was automated but it should have registered a missed payment to resolve. Instead, their system keeps hitting the account and just keeps adjusting the amount it’s pushing to retrieve in order take the money which doesn’t stop. So while I’m dealing with a medical emergency and other bank fraud activity they’re wiping out anything I have resolved. Which means their system is monitoring the inputs and outputs of my account to push withdrawals on their end. Having someone tell you they can’t pause a repayment by a week or two is awful. Which makes this particular app designed to be more predatory. It’s not big money here either. But let’s face it, if you’re needing an advance, you’re barely getting by and living hand to mouth. Every little bit matters. And cash advance platforms do not help your credit. So if you’re really struggling, this is not the best cash advance platform.

I have taken out quite a few advances from these guys and would’ve honestly given them five stars. However, I had to close my membership and delete the app because they have no real contingencies in place when their system messes up. I took out an advance 3 days ago and $50 of it was paid back to them today. Normally, they don’t take repayment until my next paycheck. I had also recently paid them back for an advance last paycheck so my paycheck cycle is right there in their system. I reached out and got the AI chatbot who told me that their paycheck detection must be off by a bit and that there’s nothing they can do because a partial repayment was made ($50). Falling into the cash advance trap is my fault at the end of the day. However, people use these apps for many reasons and if this is how this company handles it’s on F-ups, I just can’t support it. No one is pulling out these advances because they have a surplus of money so when surprise billing happens it hurts more than most. I’m giving two stars because there have been multiple advances made that didn’t have this problem, but how a company response to a situation like this shows what they think of their customers and just their true colors in general. I would give one star if this happened earlier on. So if you’re down on your luck and short on funds, just know there’s a chance that their system will mess up, they’ll take a partial payment from your account, and they will basically take the cash advance back from you. If you spent it immediately on bills etc, you’re extra cooked.