Leave a Review Grain
Stay Away!!!
This app worked great at first. I was able to access my account and it made auto payments. Then it stopped taking payments and I could not log in. It had me reapply like a new customer when I needed to log in. Then it asked to verify my identity and said it couldn’t. I sent an email to support in August and never heard back. I then sent multiple emails and never received a response from support. Then all of sudden last week, I get an email saying you are 1 day past due. I go into the account, it says verification pending. Then I get an email saying 60 days past due immediately after. I have talked to support and they helped me log back in. Now they say they I do not have access to anything because they sent notifications through an app I have not been able to access for months. Put a late payment on my credit for 23 bucks because my account randomly disconnected and they would not allow access. I think it’s interesting they can ignore contact emails for months, not allow you access to account to make payments, then put a late pay on your credit. I have all emails and will report to BBB.Show lessPeace_Love_Curl
Great idea, bad execution
To sum it up, customer service is virtually non existent, and that takes this from a great idea to something that could easily tank your credit rather than build it. It takes an average, that’s AVERAGE of 21 calendar days for them to respond to each *individual* email—so a complex issue could easily take a month or more to resolve. There is no phone-based customer service. I’ve had problems the last 3 months because their app is bad, and thankfully I have the ability to just throw more money at it rather than risk the possibility of a late payment. When they first announced annual fees like 6 months ago I said I would pay off my current balance and then pay the fee ($100, or 10% of my credit limit), but after all of these problems with no way to speak to someone in any sort of expedient manner, I have absolutely changed my mind and will never use this service again.Show lessSambam0531
Used to be good, nightmare now
For a while, this app was great. Easy to use, quick responses from customer service via email, no issues. Now, it’s turning into the biggest headache and I can’t wait until I can pay it off and close it. I’m having major issues with my account and cannot get a helpful response from customer service.
What’s happening is, my checking account keeps disconnecting from my Grain account. Previously, I’ve received an email notice or have otherwise been able to catch it and reconnect it before missing a payment. That didn’t happen this time. It disconnected again, after I just went through this in September, and now October’s payment never processed and I cannot get to my account details in the app in order to get it reconnected. Now I have a missed payment, I’ve been trying for almost a week to get a response from Grain, and the one response I received yesterday was completely inadequate. I’ve worked in customer service; I’m always very polite and understanding when I have to deal with customer service. But at this point I’m angry because this has the potential to negatively impact my credit.
Seriously, unless this is your only option, don’t do it.Show lessAjr3710
Developer Response
We completely understand your frustration with your situation. Quick reminder that you can still pay in-app with another card if your linked account disconnects and you can mail in a check. Additionally, we review and investigate credit disputes within 30 days so if you did experience a hit due to this, let us know if you haven't already. If you still need help, please email help@trygrain.com with the subject line: Follow up to my App Store review.Must be a scam!
Once again here I am writing a review in hopes of getting some help since there is no live person to speak with and apparently your support emails aren’t monitored. I wrote a review in May about my experience and my credit being marked when it should not have been since I have auto pay and was told to send an email for help as I should not have derogatory marks with auto pay, here it is November and still haven’t gotten a response and here I am again with another derogatory mark because you all lose connection to my bank account nearly every week! I’m unable to get reconnected and unable to get assistance. To anyone considering signing up with Grain stay away from this APP! They give you credit and claim they will automatically take the payments but they don’t they say they the lost connection which is hard to believe this would happen so often, you’ll keep getting emails and interest added with no help. With all the updates that have rolled out since I have joined grain it’s extremely frustrating you all haven’t figured out how to stay connected to bank accounts. This is a huge inconvenience.Show lesscmonae1
Developer Response
We're so sorry you are having issues keeping your bank connected! When this happens and it impacts your credit at no fault of your own, we will help you! Please email help@trygrain.com with the subject line: Follow up to my App Store review.This app is a scam!!! Beware!!!
Have had for about 2 years now. Almost a year ago they decided to make you upload your social. I refused, and now I’m locked out of my account and haven’t been able to access my account in almost a year, yet they’ve continued charging my card. I reported them to the BBB, they responded a couple times and I let them know it’s locked out and telling me I’m locked out every single day for 24 hours and won’t let me reset my password, and all they did was turn off my auto payments so that this card could trash my credit!!! I still can’t get in my account and they’ve stopped responding again. Reporting them to the BBB AGAIN!!!! Stay away from this nightmare company. They’ve made it a game to ignore you and trash as many people’s credit as they can. I’ve reported them to the credit bureaus as fraud as well and sent them all of my daily emails they don’t respond to, and I’m currently looking to see if there’s any way that I can file a police report against them.Show lessmorganlc3
Grain
Grain Technology. Grain provides a revolving line of credit that you can access through your existing debit card without issuing a card. This approach empowers you to use what you need for your day-to-day, builds good credit in the process and ultimately, gives you more ownership over your credit. What this company does not tell you is, how they are keeping personal information and not allowing you to pay your credit bill. This company has kept numerous people personal information including, SSN, Addresses, DOB, Bank Accts and most of all dropping individuals credits tremendously. I have requested to make a payment to this company and was blocked. Grain will kick people out of the system by unlinking the bank accts to make payments and drop the customer's credit score. I have called customer service and emailed Grain numerous times without receiving a response back. The company will store your banking information to debit your account but will not allow you to make payments by unlinking your account which is a deceptive practice that can ruin your credit!Show lessmrberry93245
I want to delete my account because i haven’t been able to access it over 7 months
I want to delete my account because i get charged 100 dollars annual fee but can’t use the app for over 7 months, it won’t open. If it does open it says reconnect my bank account that was previously linked. When i do it says bank login information is incorrect even tho i know it is correct. I go directly to my bank website and enter the same login info and get right in, I Email support no help, tell them i want to cancel my service, no response, but i then get charged 100 dollars to the bank account that they claim I’ve given wrong info about. So how can they charge the account if the info is wrong? If i ever get a response which i have twice thru email, it sends me a link that should resolve the issue, i click the link and it tries to open the app, the app that doesn’t open just goes to a blank white screen. I have the most updated version of the appShow lesssnbskwgbsjwg
The worst support I have ever dealt with
Ok. So let me start by saying I love the concept of this app. The idea is great and at first it worked perfectly for me, I loved it. Then, I ran into some troubles when I ended up switching banks. Since your credit offer is based on your cash flow it’s obvious that changing banks could cause some issues. So I waited like 2 months so that I had some purchase history and direct deposits with my new bank. I then had to reach out to support since there is no option to change banks in the app. IT WAS A MESS. I didn’t hear back from my initial request for somewhere around 2 weeks. They then ask me to provide some details why I am changing banks etc. I provide them and never hear back from support again. So I make a new ticket and again same thing. After months of this I just decided to close my account cause I never can use grain at this point. BUT I HAVE TO CONTACT SUPPORT AGAIN JUST TO CLOSE MY ACCOUNT. Same issue. Support never closes it and i’m here months later in the same position. If you integrated some of these very simple features in to the app and actually had a support phone line or a live chat, then I would love this app.Show lesscdalen16
Developer Response
First, we're so glad you love the concept and we're sad to see you go. We really appreciate your candid feedback. Switching banks is a pain point for many and we are working on improving that flow. In the meantime, we're sorry you had such a rough time with it. Closing your account is something you can do in-app, you do not have to reach out to Support for that. If you're unable to, please make sure you updated to the latest version of Grain. If you still need help, email help@trygrain.com with the subject line: Follow up to my App Store review. The only reason you or Support would not be able to close your account is if you have a balance. Your balance must be zero in order for your account to close.It used to be great
I’ve had a line of credit with grain for almost 3 years. Never missed a payment and always on time. The app was always user friendly and convenient but a couple of months ago I got a notification that I needed to be “verified”. Ok sure, I’ll send whatever needed. My account was completely locked and hidden, I submitted all documents including my driver’s license. I was notified it would take 5 business days to complete verification to be able to log in again. It’s been over a MONTH. My account is frozen due to “not being able to verify” but they somehow have all of my correct bank information AND identity and still withdraw payments out of my bank account. I’ve sent several emails because there is no phone number or live person to contact. I used to love grain and told people about it, now I can’t talk to anyone about these issues, haven’t gotten a single response on why or how this can be resolved but my line of credit is locked “no longer able to withdraw” and still taking payments out. If something seems too good to be true, it usually is. Stay away.Show lessJen&naa
Developer Response
Thank you for being a customer for so long! We were legally required to verify the accounts in our system. If the system was unable to verify you it means you won't have access to your credit anymore however, if you have a balance, we will still draft Auto-Pay. Because we are required to report on your balance to the credit bureaus, this is a good thing! We understand this is not what you expected or wanted to hear but unfortunately there is nothing we can do to reverse the outcome of your account verification.Once a great app now extremely frustrating with costly consequences
This app used to be great! No issues until some update or glitch or whatever happened which needs to be addressed ASAP!!! I withdrew from my line and had the automatic payments on. Everything was good to go when I happened to realize that I haven’t seen a withdrawal from my bank in a while. I go to log in and the app says I have some terms and conditions to agree to regarding their update and that their app
DISCONNECTED from my bank and stopped
processing payments. I never received any notification at all nor an email! I went to pay my “past due” balance with my debit card and see that the account was marked late and assessed fees. Including reporting this to the credit bureau !!? All from their system disconnected
from my bank and provided no type of notification! What makes it worse is that I have sent at least four different emails to change my bank (as I relocated and opened another account for better accessibility) and it keeps disconnecting my original bank but won’t allow me to reconnect to another bank. This is absolutely Ridiculous!! I’m just going to pay it down and be done with it 🤷🏽♀️Show lessCiara Noire
Developer Response
Hi Ciara! First, we're so sorry your experience has been less than stellar. You should have received an email from us when your bank disconnected notifying you of the disconnection and encouraging you to connect. The Support team can help you with waiving late fees and updating your credit report. If you still need help, please email help@trygrain.com with the subject line: Follow up to my App Store review. Thank you!
