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
Cryptocurrency recovery
I was so impatient to carry out necessary research but i really wanted to jump on the crypto trading and investment buzz. Unfortunately for me, I invested 80,000 GBP worth of bitcoin with a fraudulent company. I was happy to watch my account grow to 280,000 GBP within a couple of weeks. But i didn't realize i was dealing with a scam company, until i tried to make an attempt to withdraw. I made a withdrawal request, and noticed my account was suddenly blocked for no apparent reason. I tried contacting customer support, but all to no avail. I needed my money back at all cost, because i could not afford to let it go. So i tried all possible means to make sure i recovered my scammed bitcoin. I did a lot of online search for help, and tried to see if there were other people who had any similar experience. I stumbled upon a cryptocurrency forum were a couple of people mentioned that they had been through the same process but were able to recover their lost cryptocurrency, funds with the help of itech koa. So i file a report and he was able to help me get back all my lost funds within two weeks. I will recommend anybody who wants to recover scammed bitcoin, stolen cryptocurrency, funds lost to binary options forex, investment and any other form of online scam, reach out to itechkoa@Gmail.Show lessPrinceanieinterior
you are gonna end up so mad at yourself if you use this app
1. i had a $700 credit limit, finally got my usage to under 50% by bringing my balance to around $300 so my credit was over 600. they out of nowhere did a sweep on everyone’s accounts to lower our credit limits to whatever our balance was, so since i still owed $300 my credit limit was made $300 which made my credit usage 100% which brought my credit score down 30 POINTS
2. i made a lump sum payment to bring it down to below 50% again like $150 which is a LOT of money for me, and they reported to my credit that my account is a FREAKING COLLECTION AND CLOSED. AND I LOST ANOTHER 11 POINTS ON MY CREDIT. HOW DOES THAT WORK. LITERALLY HOW. they also reported that my payments were late for months when i’ve literally been paying them early for months because they take days to actually withdraw the money from your account. i paid $150 when my minimum is $20 a month and they freakin reported it late. i hope whoever’s responsible steps on a lego because this has been such a setback for me. I FINALLY HAD GOOD CREDIT AND Y’ALL TOOK IT FROM ME. i’d take responsibility if there was any to take but i literally did everything RIGHT!!
3. also had these few months when i first started using the app where i couldn’t get them to respond for weeks at a time, and i’m not exaggerating in the slightest. you’re just screwed with this app fr. FOR THE LOVE OF GOD STOP USING THIS APP!Show lesstheyreforcingmetomakeanickname
Confused
I utilized the app for a few months starting about a year ago and things were fine. I always paid my account in full within a month or two…nothing drastic or out of the ordinary. A few months ago I paid my account in full and then my credit line was locked…never a late payment whatsoever or any thing else to arise suspicion. It’s been well over 4 months now and it’s still locked. In the 4 months or so, I have reached out to customer service numerous times and it hasn’t been rectified. I’ve only gotten one real legitimate response in trying to rectify things but that’s still ongoing. In the other instances when reaching out to customer service I’d get an initial reply and then I respond and then nothing. This is beyond weird. A business model such as this can not sustain itself. I’ve written 2-3 reviews my entire life which were all positive but I needed to share my experience as others may be experiencing the same thing and in this day and age no one should have to endure this especially if it will negatively effect your credit. I read another review where someone had their credit line decreased for no apparent reason and it dropped their credit score significantly. GRAIN, take some internal accountability or shut the doors!Show lessCEO of the Year
Horrible Customer Service
I’m not one to ever write reviews but stay away from this company. The app was great at first until it came time to update my new bank information. It was very difficult for the new account to be added. Reached out to customer service multiple times trying to fix the issue with little to no help. They would stop correspondence. I finally was able to have someone send me a link to fix my account just for the link to not actually work causing my account to become late. I have multiple emails and screenshots of my account being “fixed” just for the app to still not accept my payment from my new bank. All in all, I understand mistakes happen, however this company does very little to actually support you once you have an account. A simple phone call and a little customer service would be all it took to help me fix my account. Instead I was ignored and they toyed with my credit the entire time blaming me for the lack of payment when it was in fact them. Do yourself a favor and save yourself the headache!Show lessJAY.G14
Only use if really needed
So I will say that Grain did come in handy, especially during the height of Covid. I was able to use cash from my credit line that I needed. However, I find it very troublesome to pay them because when you initiate a payment, they never take it out right away and I’ve had numerous times where it still didn’t take out on the day it was supposed to so, there will be other things drafting my account and by the time Grain does it I get hit with a check return fee from my bank because Grain tries to draft the money on days other than the one I intended it to so that proves very troublesome, and keeps my bank at a constant flux I really wish Grain would offer a way to pay and they pull out the money the same day there’s no reason why in the 21st-century you aren’t able to process payments at the time it is initiatedShow lessReeme92
Once great app
I was a big supporter of the Grain app prior to about one month ago, when I was informed that I’d only have access to the credit that was secured by my invest. This was quite the surprise and a big disappointment because the reason I applied for this line of credit was the benefit of doubling my security deposit. Overnight I went from almost 30% usage rate to 100%. Grain’s reasoning was “they reserved the right to change their policy”. Now, that I’ve paid the remaining balance, and am attempting to withdraw my security deposit and close my account, the app cannot connect to my bank account. I’ve never had this problem before but now I’m realizing I cannot even get support on the phone. It’s an automated system explaining topics already covered in the FAQs. I’m now awaiting a message through Zendesk to access my money because Grain decided to switch up and not offer the service that I initially signed up for. If you have money to blow or that you don’t need right away use Grain, if not use another app like Self or Kickoff.Show lessMiyah E
Been an amazing waiting experience!
After applying the app says that I have been placed on a waiting list which usually takes a couple weeks to get the other customers ahead of you taken care of. It says, “once your application is complete and identity is verified you will have access to your credit with Grain in seconds!” I checked everyday after two weeks for about 10days. I stopped checking. 2 months has gone and pass with still the same message. It’s now Dec 13,2022 I applied on Sept 25, 2022. Fantastic experience for those in need of some financial assistance and can wait months possibly many many months to get any answer! Hopefully, my day will come where I can have credit with Grain in seconds. Everyone’s reviews are that this is a spectacular product so I really hope I’m able to use it soon!Show lessNrvsbrkdwn 1801
