Leave a Review Grain
AVOID! Do not use!
Majority of the positive reviews are fake. They do not respond to emails and force you to use a third party to log your bank account information. That third party tracks your account and gives Grain your private information. This is not right and unfortunately the only way they handle business. Don’t use them at all. Trust me.
Additionally, I made an attempt to make a payment to my account on April 23 but my bank account was disconnected from Grain. To ensure my account was paid I requested a one time payment link since they have been provided in the past. Representative Diksha told that my bank account must be reconnected since they do not provide one time payment links anymore. I made connected my account and received the deposits. Once I attempted to verify the deposit amounts but I received an error message. In order to get assistance on this matter I have reached out over 15 times to get assistance. Every ticket I submitted has been closed without response. No one is answering the phone. I left a voicemail and have not received a response yet. It is important that I get this resolved so I can make my past due payment so my credit score doesn’t suffer. The longer it takes me to get this resolved the more it hurts my credit. This has been going on almost a month now.Show lesskwatkinsjr
Developer Response
We're so sorry to hear that and hope you have been helped by now. Thanks for joining Grain.Don’t not get this app!!!!
If i could give zero stars i would please do not get this app!!!!!!! It glitches the app disconnects your bank account on its own so you won’t be able to use it and you won’t be able to make payments it will make you late on payments because you can’t pay through the app. You can’t speak with anyone over the phone. You have to email with customer care While your trying to get reconnected to the app which takes days even weeks and your issue may never get resolved like mine. I had excellent credit history before getting this app this app has single handeldy ruined my credit because it would not let me pay my bill. They’ve had a technician “manually” enter my banking and routing and it still didn’t work. This is insane they gave me a one time payment link to pay my bill the link didn’t work now they are making me get money orders every month to mail in just to pay my bill because they canot fix their own app. At this point i want them to close me out send me to collections so i can just pay the remaining balance and move on from this nightmare which is crazy.Show lessPrettytiggyy
Used to be decent, RIP
Pros: This app helped me kickstart my credit rebuilding journey a few years ago after I hit a plateau. I had been laid off a couple years prior to that, and although I eventually got a good paying job & paid off my existing debts, my credit score wouldn’t budge since I didn’t have any lines of credit but also couldn’t get approved for a CC. Now I have 3 major cards that I use responsibly, and Grain helped me get there. The app itself was also pretty easy to use, I liked the screen that showed your limit, balance, APR, minimum, and credit score on one page.
Cons: The app had no clear way to contact support, no email or phone number. You have to jump through a bunch of self help links to eventually find the “submit a ticket” option. As far as the service, they slowly whittled away at everyone’s credit limits over the last year or so due to “market trends and risk assessments from investors”, dropping me from $800 to $100, then a $13 limit, and finally a $0 limit since I had no balance. As of last week my account was closed for the same reasons I mentioned above and now I’ve got one less LOC on my CR.Show lessItsAlexAnthony