Leave a Review Grain
If I could give 0 stars, I would
Once again, I cannot login to my Grain account. This has to be the worst app I’ve ever used. I’ve contacted support before and it literally takes months to receive a response. I have autopay setup so I’m not understanding why do I keep getting notifications from credit bureaus (not Grain) that my payments are late. I have yet to receive a notification from Grain stating my payment is past due. Yet, I received an email from Experian notifying me about a 30-day late payment. Tried to login to check and see why and of course, I can’t login. The money is NOT WORTH IT! I’ve emailed multiple times and just receive an automated message. This is affecting our actual CREDIT! You have to do better. It’s so freaking frustrating. This is like the 3rd time you’ve disconnected my bank account and NOT NOTIFY ME!!!! I don’t understand what’s so hard about emailing your clients/customers about any changes made to their account. This isn’t a simple checking account. This is an actual CREDIT account that reports to the THREE MAIN BUREAUS. People are working relentlessly to build their credit and make on time payments only for a company with EXTREMELY POOR customer service to destroy it over a technicality. FIX THIS!!!! I really should report this to BBB. Because this is absolutely ridiculous. I just logged in and decided to pay the card off and never deal with this company again. My credit score literally dropped 15 points because of YOUR mistake.Show lessTayyTae
Developer Response
We're so sorry you are having issues with us not showing up on your Experian report. We have identified a few issues with Experian and it sounds like you might have been impacted by it. We work hard to make sure all of our customers are satisfied and can correct credit reporting for you. If you still need your issue resolved, please email help@trygrain.com with the subject line: Follow up to my App Store review.incredibly frustrating at the moment
So while up until recently everything was good with this app/line of credit, there has been a major glitch that needs to be resolved. I opened my account last December and was approved for the full 1000, i took it out for some Christmas shopping, and left automatic payments on. This has been working perfectly fine but apparently sometime in the last month their app DISCONNECTED from my bank and stopped processing payments. I never changed anything nor did I receive any notification. I logged in today to pay the loan off in full to see that the account was late, fees assessed, and marked 30 days late. Because their system disconnected from my bank and stopped processing the automatic payments? This is absolutely unacceptable. I am waiting for a reply from customer service, but honestly this is the kind of issue that will break this service. I don’t think I’ll be doing business again with them any time soon. Not unless this is resolved smoothly.
EDIT: I am furious. You’ve reported my account as late when it was your system that disconnected from my bank and stopped automatic payments. This has to be fixedShow lessliz118511
Developer Response
We're so sorry your checking account unlinked from Plaid, our third party bank connectivity partner. This happens from time to time. If you still need your issue resolved, please email help@trygrain.com with the subject line: Follow up to my App Store review. We will waive late fees and backdate payments when applicable.No longer in limbo (UPDATED)
UPDATE: after a waiting period documented below, my credit came through and am able to use Grain. It is nice to have the credit even though it wasn’t as immediate as I had hoped. So far things look well. I can’t wait to dive in and see how it works!
ORIGINAL REVIEW:
After being approved, the app froze. After I restarted, I was able to get back to where I left off but then it said they couldn’t continue without verifying my identity. I submitted my DL photo and picture of myself as ID and have been waiting for verification for 5 days so far. I emailed the company on the third day and said it would be 7 days at least before they would get back to me. Still waiting. If you are needing money in a hurry this may not be the way to go. If I ever get approved I will update.Show lessigorspet
Can’t get a hold of customer service
I have been trying to reach Customer Service, in regards to setting up my account, verifying my email address, both, emailing them, and calling them. With no regards to getting back to me in a timely manner. I need help, financially, that is why I’m trying to set up this account, and order also to better my credit score, I am not able to verify my email address. Sense, I would have to go through my bank, there is no way I can send them screenshots, I am totally blind, and, I wish that their app would be a little more accessible in regards to setting this account up, I thought I signed up a while back, and I cannot find the link to change my password, without having to verify my email. I have tried to email them, twice now. Last night, and it was a message sent to them that I sent, after business hours, so it sent me the automated reply to that, and now, who knows when they’ll get back to me. I would advise people if they want to sign up, you can, however, Customer Service is a little sketchy. As far as not getting back on a timely manner and so forth for help. And also, I would definitely be careful. Because if you are having tech issues, who knows when we’ll get back if ever. So good luck to everyone, that’s trying to improve their credit, and needing help. We’re all struggling financially, and this is a very frustrating process to go through.Show lessSouthwestair
Developer Response
We're so sorry you are having issues and having trouble reaching Support. If you still need your issue resolved, please email help@trygrain.com with the subject line: Follow up to my App Store review.UPDATE Paid my deposit, now app doesn’t work
UPDATE 6/12: I contacted the CEO of Grain via LinkedIn and now I have access to my account.. crazy how I have to go thru certain measures just to get answers.
I’ve noticed people talking about Grain , done some research and went on ahead and bite the bullet. I downloaded the app and went thru the process flawlessly until I paid my deposit. I checked my bank to make sure Grain deposit come off my account which it did and also checked Grain app to see if they received funds which they also did as well. Few days pass and I wanted to use Grain to make a purchase but couldn’t access the app. I kept getting a error message, I’ve tried this for a few days until I finally decided to contact Support via phone which goes to automatic system(YES, I called between the operating hours it shows on website) I got no answer. I contacted via email to support and got a automated message sent back saying due to a high volume of Support requests that I’m looking at a 7 business day response time. I’ve played the waiting game and still no response so I tried contacting again and there was no response again. Honestly at this point I just want my deposit back.Show lessMattQuincy
Developer Response
Thank you for joining Grain. We're so sorry you are having issues reaching us! If you still need your issue resolved, please email help@trygrain.com with the subject line: Follow up to my App Store review.The worst app and customer service
How does a reputable company approve you then ask you to upload documents to prove your identity? I even uploaded my Drivers license, social security card and tax info and the company says they couldn’t verify my identity and the decision is final.
How can you not verify my identity when you use plaid to link your bank account. I had to have the passwords for that. You have all my documents and still can’t verify me, something fishy is going on with this company.
I have never had an issue with a company verifying me. I went to look at the reviews and I see so many other people have the same review with grain. You can’t even reach anyone to speak to, all they do is send you an email in 14 days. Maybe you could verify people if you can actually talk to a human but that is not an option at this company. The customer service is nonexistent.
If you are not even going to attempt to verify people and collect their sensitive information to not even look at it then you don’t even need to be in business and I will be filing a complaint with the better business bureau.Show lessMishaNp
This app is highly questionable.
I downloaded the app, but kept getting an error message when trying to accept the approval offer. After customer service took a while to get back to me, they finally wrote back. Apparently, there is an issue with some customers where if the app doesn’t ask for your address up front, customer service has to enter it on their end. Otherwise, you’ll receive an error.
So, I finally get through and their system is unable to verify my identity with the details I entered. Probably against my better judgement, I uploaded their requested documents (driver’s license and social security card) to their Dropbox for a “manual review”. After a week of not hearing anything, I followed up and was told I could not be identified. Now, its one thing to be denied based on credit, but having an issue with legal documents that are good enough to be verified to obtain a passport, but not pass their identity check? Very odd. They won’t even provide the name of the outside entity they use to identify consumers.Show lessJ from al
Don’t fall for it!
I took a $1000 unsecured credit line with them in May of 2020, mainly to decrease my credit utilization and get a bump in my score. Ever since then, it has been a maddeningly frustrating experience. In October, I wound up closing the checking account that I signed up with because I switched to a bank that had branches closer to me. Grain does not allow you to change your connected bank account yourself, instead directing you to email their customer service team or call their office. When calling, once you finally get to where u can be out thru to a customer rep, it immediately tells you that no reps are available call back later and disconnects. No option to leave your number or wait on the line or get a call back. I’ve called literally 30-40 times during business hours and no one has ever answered. The email is just as bad. It auto sends a reply that someone will get back to you, but it never happens. I have sent a total of 34 emails over the course of the last 6 months and literally not a single reply. In the mean time, they continue to report my payment as late to the credit bureaus and dole out multiple late fees to me, despite ignoring my pleas to pay using any other method. They literally have no other payment options besides using your connected account. I’ve never been more horrified by a companies negligence.Show lessMatt Hubbard
Developer Response
We're so sorry your experience with us has been less than stellar thus far. We are working as hard as we can to scale our Support function and promise to deliver on this. It's a work in progress. We are also working on adding the functionality for you to switch accounts within the app. We do not have a timeline for this yet but it is on our priority list. If you haven't already, please email help@trygrain.com with the subject line: Follow up to my App Store review. If you reached out to us ahead of your payment due date we can waive any late fees incurred and backdate your payment if necessary to correct negative reporting. Thanks so much for being patient with us!They NEVER get back to you!!!
Update on the update: of course no one from customer service is responding again. I’ve decided to file a formal complaint with the CFPB and will close this account once they update the past due amount to current! I sent them a money order b abuse my account/bank is still disconnected! No one is responding to emails or calls! I’m closing this account! These people are crazy.
Update: Someone from Grain finally got back to me and provided me with an alternative payment method. I’m glad I can remain in good standing and continue to pay my bills on time, which was my main concern, thank you!
This company started off very good, but it’s gone all bad lately. They never get back to you when you email them, and forget about them answering the customer service number during business hours when you call. The app frequently disconnects from your bank jeopardizing your payment history, and so far, no update or word from them regarding the money order I mailed to them using the address on the monthly statement they provided. As this point, I’m going to file a complaint with the BBB to see if I will get a response from them that way. You will NOT be messing up my credit for your inadequacy!!!!!!!!Show lessEbothegr8
Developer Response
We're so sorry you haven't received Support as fast as you'd like. If you still have questions about your credit reporting, please email help@trygrain.com with the subject line: Follow up to my App store review.Horrible service
If I could give this zero stars I would. I have input all of my information, correctly three times since I was told that my identity could not be verified. I was then asked to upload a copy of my drivers license and social security card or tax statement showing my full social security number. These items need to be uploaded to a Dropbox folder. Few issues. One, I have never been married, never changed my name, never had any fraud protection on my credit file or anything that would cause me to not be verified. Not once has any institution have any problems verifying me. Secondly, I do not see how uploading any of those sensitive forms of ID to a Dropbox file that I know nothing about is safe. Dropbox has had numerous breaches and I am not comfortable with that. Third, I emailed support 2.5 weeks ago and have yet to receive any communication back. This is all just horrible. Being told that I am not who I say I am while not getting a response for help. This app and company should be deleted off of the App Store!Show lessJustAnotherLady
