False advertising.
I opened up an account through empower. There was a trial period, in which I agreed to sign up for. I knew the subscription fee would come through after the trial ended, but one day I get an email from my insurance company that my insurance was going to be canceled due to non payment due to not having enough money in my account. After looking at my bank statement I realized that empower charged me 8 dollars during the trial period which was not supposed to happen. That 8 dollars left me just short of being able to pay my car insurance. When I reached out to empower, they told me I was aware of their subscription agreement and that the fee would not refunded unless I closed the account. So I told them fine, close it. I got the 8 dollars back. I payed back my advance. Then looking back at the app, my account was marked as ‘permanently closed.’ No option to reopen, just permanent. I was never rude or pushy with them and they do this? If that’s how you want to treat your customers then I don’t want to come back anyway. Absolutely unethical. Do not recommend this app.
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READ THIS PLEASE
Listen I’ve used Brigit for so long almost 5 months and they only ever gave me 50$ cash advances and never upgraded it . But this app on the first freaking offer they gave me 100$ and not only that they were able to do it the same exact day listen to anyone that’s out there looking for apps looking for any money that needs it ASAP stop what your doing idc if this is a review idc if you doubt me TRY THIS APP AT LEAST BC THIS IS THAT ONE APP PPL DONT KNOW ABT THAT LITERALLY IS A APP EVERYONE NEEDS TO KNOW ABT. This app saved me when I was stuck in downtown had no card or nothing for a payment filled everything out (YOU NEED A JOB Ok Like how do u expect for them to trust you?) and after 5mins I opened a account with card and was approved 100$ and had a form of payment once I was finished bc it allows you to save it to your wallet like genius omg thank god for this app
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Pleasantly surprised!!
I am surprised but happy for the app being a success. I thought honestly it was going to be like the first time I signed up a 1 or 2 years ago but then closed my account because I paid a subscription fee for 2 months and never received any advance since I was only able to take out$10 even though I was making $1800 bi weekly. This time around I have my check going to 2 accounts 80% in one and 20% in another so I connected the 1 with 80% and I said it wasn’t surprised when it told me it couldn’t recognize any reoccurring payments for direct posits even though on my account dec, Ashford clearly shows the name of my employer, and deposited direct deposit even said direct deposit next to the employer name! So I was going to close the account again today and when I thought I connect my second account with 20% of my check first just to see what happens since I was being told I was already approved for $25 but after connecting the second account recognize the checks that I have direct deposit it and I actually approval for $75!!! So now I’m going to keep my account open for now. Thank you for partially fixing the system.
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Support not helpful at all!
I received an advance for a measly $10 about two months ago despite my income being roughly $1500 every two weeks. I had two connected accounts to the app and requested an advance to one, and received it on the other. Whatever no biggie. BUT the account they sent it to I don’t use anymore, and when I click on “view cash advance” to attempt to repay the advance using the account it should’ve been sent to, it gives me an error stating it is “unable to retrieve debit card information for one of the accounts”. I have reached out to support through chat about 10 times. Have had follow up emails from support with seemingly NO ONE understanding wth I’m saying despite screenshots provided. All I get is “sorry we don’t have a solution for this right now”. Okay then why am I still being charged $8 a month for a service I cannot use? I have attempted to pay back this advance SO many times but no one seems to be able to help. Useless. This was my last resort to leave a review. Apparently there is no such thing as tech support at Empower.
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SCAM ALERT!!
Empower is running a scam/ Ponzi Scheme, stay away! In order to receive an advance, you need to link your debit card; the problem is they're having ongoing technical difficulties linking debit cards. I contacted them and they said they’re working on the issue (so far it’s taken 6 weeks and still no resolution) but in the meantime, if I want an advance I can open a bank account with them and they’ll send a debit card. In other words, they’re charging me monthly, taking and selling all of my personal and banking data, and then screwing me. Empower is bait and switching people into opening accounts with them by advertising a cash advance, but they’re getting around actually sending the advance by pretending to have technical difficulties and the only way to get it done is by opening a bank account thru them- if that even works that’s probably a lie as well. This company is a complete scam and incredibly dishonest. Stay away for Empower.
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Customer Service
I’ve used this app for over a year and it’s been pretty good, however I’ve noticed that repayments are taking longer and longer to process. I’m not picky so a few days is totally fine with me but I recently repaid my loan and noticed that one payment was still pending a week later. After another week I contacted support only to be told to wait again for my repayment to process. It’s now been 4 weeks (20 business days) and my payment is still pending. The payment definitely came out of my account and everyone I speak to at empower just asks me to wait. I feel like 20 days for a payment to post is more than enough time or in the very least it’s enough time to figure out why it’s still showing up as pending. There seems to be no one at the company who will even explain what is going on which is a shame because I could really use that extra money right now and I’ve always repaid my loans on time… Smh, I feel like they’ll never actually tell me why this happened and no one there is even willing to try to figure it out.
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Terrible company!
You don’t get to pick what your repayment method will be, ACH or by card so my spouse and I got royally screwed by this company. We had our repayment taken out by ACH on a Thursday evening and it will take 3 business days to repay. Meaning we can’t get more money till Tuesday. We asked to have it taken out of my husband’s paycheck almost a week earlier through our card which is automatic bc his is a much bigger paycheck and it works way better for us financially. They said “our system picks the best repayment method”. So it came out of my much smaller paycheck and left us with $50 for almost a week. We talked to a supervisor who “couldn’t do anything”. This is in spite of the fact that they have access to our bank account, so therefore can see that the account has been repaid. And the supervisor didn’t care at all that this had happened to us. Or tried to fix it. We had talked to them multiple times asking to make sure that they take out the money when it worked best for our finances but unfortunately they leave it up to an automated system instead. Don’t use Empower, I wish we hadn’t!
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Empower: online banking and services
Empower has helped me keep track of my spending and when I have been short on money at first the cash advance they offered me wasn’t really that much but I accepted it and repaid so the next time I needed another cash advance they were here to help.. If you are in need of a larger lump sum this isn’t the app for you however if $25 your first advance would help along with a tracker to help you see what you are spending and bills you are paying then I recommend Empower. they also have an excellent customer service to chat with online if any questions you may have. Empower offers an online checking and savings account also. These accounts grow interest to help save even more with access immediately to both accounts whenever you need to deposit, withdraw. Track. Or even ask any questions 24/7.. Thanks emperor for your service and trusting me with the cash advance offer.
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Excellent Service
Just when I thought I was out of options and nothing was going to arrive in time…. Seriously I tried like 20 different things and they we not going to cut it…. Some not available at all, some available but with a wait that could have been many days, some 2 days, most were either 24 hours or until the next business days, some with one type of error, others with another, others needed me to watch 100 videos and sign up with 10 partners, and apply for a credit card, blah blah blah….. I was stuck on the side of the road in near 100 degree heat and having to walk a mile to a gas station and walk back because nothing would work…. And then I remembered Empower!!! And sure enough I got enough money to get my gas can filled up, and me back on the road to my job I was late to! Better later and frustrated…. Then Never and job lost, and whole life as I know it annihilated….. Empower really empowered me to have the power to climb back up from what seemed like a bottomless pit and be powering myself up back to the top of my game and…. If not better life but at least not significantly worse… so in a way it did Empower me to have a better life because there is a good chance without it… and this measly $10…. I would still have to power up to a better life and be doing much worse with $10,000s less in the long run….. Thank You Empower!! Please don’t stop saving lives with access to immediate simple $10 advances!!!!
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The App That’s Got Your Back!
There are a few apps that offer similarities when it comes to cash advance during a difficult time, however the simplicity of using Empower makes it vary easy find what you need. The Cash Advance fee amount of $7 is amongst the higher end fees of the apps I have experienced, but the service you get such as consistent notifications if/when charges are posted to your bank, as well as the percentage of spending information they provide, you can see exactly what category your heaviest spending tends to allowing you to, if you deem it necessary, adjust spending habits to better fit the needs of your individual financial situation. Excellent App, User Friendly, Simple Design, Easy To Navigate, & Fast Advances.
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