Leave a Review Grain
Worst experience ever, stay away!
I never write reviews however I felt appropriate for this app. Stay away from this app and this company. The app does not work like it’s meant too and customer service is absolutely a joke. I set it up a few months ago and made an initial security deposit and I was able to utilize it when needed. So far so good. Then I did the unimaginable and changed bank accounts. I know, GASP. I then tried to go into the app to update it. Nope, had to reach out to support. That was basically impossible. I sent an email and then waited a few days. Sent a reply. Waited a few days and finally reached out on Facebook and they replied to my email support request! Shocker! Then I got ghosted again for a few days and was finally able to update my bank account. This then generated a new credit offer for me, a higher credit limit. Sweet! Then it requested that I complete and additional security deposit and that brings us to today where almost two months later I’m still not able to click the button to pay that security deposit due to, what support told me in their last email, a developer issue. Since then I’ve had crickets from support, no app updates, nothing. For a company providing credit they certainly have absolutely the worst customer service I’ve experienced and don’t seem to care a single bit about the consumer. They’ll care when the FTC steps in, maybe. Just take the advice and stay away.Show lessmoevans1994
Developer Response
We're so sorry you didn't have a good experience with us. Because your credit line with Grain is based on the cash flow in your linked checking account it makes sense that your amount changed when you changed your bank account. As for the second security deposit, that shouldn't have happened (as you know!) and I am hopeful the team has resolved this for you by now. If not, please email us at help@trygrain.com with the Subject Line: Follow up to my App Store review. Thank you!Customer service is TERRIBLE
Took us forever to speak to someone regarding closing the account. When someone finally responded back 2-3 weeks later, we had questions regarding an $80 annual fee. The representative didn’t do a great job explaining why or what the fee insisted of. I then requested to speak to a supervisor. Supervisor emailed me days later and was able to submit my request to close account, however, I have not received any confirmation of this being done as of yet. I have tried to sign back into the app to verify this and I only get the message “Almost There!” Well we have been “Almost There!” For going on two days 😒
Update to whom ever responded🙄
They respond quicker on the review rather than if you contact them regarding an actual issue!
In addition I didn’t agree to any annual fee, also no one could tell me the exact date of when an annual fee would be drafted from my account. I assume it was when ever they felt to draft my account. I still haven’t received confirmation of the accounts being closed, maybe the email will suffice.Show lessKia0820
How do you get in touch with these people??!
I’ve been locked out of my account for months. I want to have access so I can pay my debit off in full but I’ve uninstalled the app, tried to reset my password, reached out 3 times via they're support email… still nothing. They’ve sent me a link before to pay my bill but now I can’t get in touch with anyone. I can’t even change my bank account with the because they’re want to be able to dip into you account to take a monthly payment but it’s just like paying the minimum payment on a credit card every month. I thought it was a great option at fist to be able to take money when I need to but not being able to pay my bill has affected my credit and no one will answer so I can have it paid. They’ve also overdrafted my account pulling a monthly fee when I had no available balance and I had to pay fees! What started out as a nice idea for an app quickly turned into a predatory credit company!Show lessJaeJenn23
use another credit builder program
If you want to have something that helps fix/build credit use another program such as Self, Grain reported my account as late even when I paid before my due date. I paid a few days before my due date and because its an Hch transfer it takes 3 to 5 days to clear and Grain doesn't update your account until it clears and wile that is technically okay other credit builder programs like Self updates your account right when you make the payment. programs are suppose to work with those trying to build credit not to report your credit account with them as negative and if you need even more reason to use another credit builder program heres another reason. Grain has a yearly fee other credit builder programs do not have yearly fees, Self doesn't any yearly fees, not their credit builder at least. I will not update my review/rating unless Grain can remove my account with them as being negativeShow lessDagr01
Amazing App!
Grain has made a dramatic impact on my credit score. In only 5 months it went from a 549 to a 719. My credit has always been this heavy weight that I have carried with me for years. My score has prevented me from being able to rent an apartments, car, or take out loans. Then I found Grain.
The Grain app is super easy to use. I can make cash withdraws and I can pay my balance all in one place.
I was skeptical at first about the app like anyone who is trying to turn their credit around. But I paid all the payments on time and each month my score started to climb up. Right now it’s in the fair zone…almost at good credit. I have not had good credit since I was 20. Thank you Grain for helping me face this obstacle. I 100% recommend the app!!!Show less#endcorana
Can not access my account
I originally gave this app 5 stars! I have been locked out of my account for several weeks now. It says pending documentation verification will take up to 5 business days. I have also reached out several times to support and got no response!! I need to access my account I need to make payments!! Please someone help me!! This is getting ridiculous!!!
My old review:
I have been so impressed with this app. It has totally saved me during times when my finances were not the best, especially at the beginning of the pandemic. It was super easy to sign up, they do not require perfect credit to sign up, just proof of income. I got a pretty good size line of credit to start with and the money goes in your bank account usually within a day. Making payments are super easy and if you catch your self in a bind you can continue to take for you line of credit as often as you need. Oh and you can not beat the super low interest rates and annual fees!!Show lesshkring18307
Great concept, flawed delivery and too expensive
I really wanted to like my experience, but sadly it did not work out. I had a $200 security deposit, which gave me a $400 credit limit. I withdrew $400 shortly after opening, so that I could start making payments that would show up on my credit report and help to boost my score. Eventually I paid off $200, but discovered I was still being charged 15% APR interest on the remaining $200. But that $200 is my security deposit! So I’m being charged interest on my own money! They should be paying ME interest on MY deposit!
So, I decided to cancel. This is where things really went south. As others have reported, customer service is a disaster. I sent at least 10 support requests over a period of 21 days, to get my deposit back and close my account. Only today did I finally get a response. Requesting a return of your deposit and closure of your account should both be things you can do on the app. It’s been a very frustrating 21 days waiting for help. I won’t be returning.Show lessFritzPup
Horrible App !
Ive never so frustrated with customer service from a company omg. My app suddenly needed me to verify my identity a week before my payment was due. This stops me from going into the app and just displays a white screen that says it will take 5 days. I didn't think anything of it because it says it will take up to 5 business days. Its been TWO WEEKS !!!! I've wrote customer service 3 TIMES! Omg still no reply. I like to pay my balance in full and I couldn't so now a high balance will be on my credit. This is ridiculous and I cant wait for my account to fix so i can close my account. Its not even worth it to have this stupid app ill stick with the self app. Same thing and never gave me problems. Y'all have so many negative reviews about customer service at what point are you guys going to listen and fix it? Clearly don't care about your consumers. Everything y'all say is a lie it says customer service gets back in two business days its been two weeks.Show lessNeiset
WORST DECISION OF MY LIFE!!!!
I had this app for 6 months now and that’s only because I can’t get in touch with anyone to close my account! There’s no one you can talk to if you have issues! Customer service….forget about it because there is no customer service. The number provided is an automated system that refers you to the website in which they require you to send an email which NEVER gets responded to. I have literally sent 10 emails pleading to close my account with no luck! After 2 months of them not reporting to the credit bureau I sent in the 1st email requesting they close the account and the directions specifically said to withdraw all funds in which I did and what happened?!?! They reported to the credit bureau and my score dropped 55 points because I had used 100% of my credit limit!!! Once I put the money back the app required an update and once updated kicked me out and prompted me to make another security deposit as if I had never opened the account! I’m so frustrated at this point I feel I have no choice but to take it as a loss!Show lessnever sgain!!!
Love the concept but not the customer service!
I am new to grain and submitted my documentation as requested to take care of an emergency situation. I sent several requests asking if they could possibly expedite review of my account so that if I am missing documentation I can submit it right away. I did receive a response back saying that the process takes 5 business days but most accounts are done in 2 days. I tried to call customer support to speak with a LIVE AGENT/Human to fully explain my emergency situation but when you call the 833 number you only get a recording. That has been the most frustrating. If it weren’t an emergency I was dealing with not getting a live agent would be fine. They should at least have a live human that you can interact with over the phone or via email verses a voice recording makes me fearful giving my banking information to what feels like robots or electronic customer service.Show lessTyetye2009
