# Americor — user reviews > 82 indexed App Store user reviews of Americor by Americor Funding, Inc, rated 4.60/5 from 1,275 ratings. - Source: https://appshunter.io/ios/app/americor/id1399559299/reviews - App overview in markdown: https://appshunter.io/ios/app/americor/id1399559299.md - Rating breakdown: 5★ 1,069 · 4★ 89 · 3★ 24 · 2★ 25 · 1★ 68 ## What do users think of Americor? Overall sentiment: negative **Pros** - 🙌 Changed my life - 💰 Saved money - 👍 Great company **Cons** - 💸 Expensive fees - 🤯 Stressful experience - 🚨 Untrustworthy - 🤬 Poor customer service **Commonly reported bugs** - App crashes and freezes - Login issues - Compatibility problems with iOS 18.1 **Most requested features** - Provide clear fee information upfront - Improve communication and transparency - Offer better debt settlement options ## Newest reviews (16 of 82) ### 4/5 — Fee *2026-01-21* How much do I pay I would like to know how much you are going to charge me when I am out of debt? Am I going back into debt just to pay you? Dollar amount please. **Developer response:** Molly, We’re sorry to hear about your experience and understand how frustrating this situation can feel. Please contact our Office of the President at officeofthepresident@americor.com as we cannot locate your account to provide that information, and a team member will follow up directly. Thank you for bringing this to our attention. ### 2/5 — I was told *2026-01-08* When I started in the beginning I was told that I am in control of my account. I asked if I could skip a payment and was told I was good to go and congratulation’s your next payment will be on February fifth and my January payment will be skipped. I needed to skip that payment because of a financial situation I was in. The one of only problem is Americor took the payment from my bank for January putting my bank in the hole. Now, I have lost any confidence in Americor. I read a response from one of your customers that he was basically raked over the coals when he tried to get the loan you told us about to help get him out of debt sooner. The only problem with that was the interest rate was higher than the loan interest was way higher than regular credit card rates which is totally unacceptable. This doesn’t sound like a company that I would have trusted to handle such an important matter. Now I am in a situation where it seems I should have gone with someone else to handle my credit situation. Not sure if I made the right decision. Shame on you. **Developer response:** We’re truly sorry to hear about your experience and understand how upsetting and stressful this situation must have been—especially when it impacted your bank account. We regret that your expectations around skipping a payment were not met, and we understand how this affected your confidence in our services.Please contact officeofthepresident@americor.com so our leadership team can look into this matter directly and follow up with you. Your feedback is important and helps us improve communication and client support. ### 2/5 — Beware settlement fee *2025-11-25* I had $12,888 a little over a year they settled for $9,537 but then they charged me $2,952 for settlement fees. It barely saved me money and they didn’t mention that much I also emailed my person and support trying to get info and I’m just ghosted. You’re better off trying to settle it with your bank **Developer response:** Thank you for sharing your concerns, and I’m sorry to hear about your experience. We always aim to set clear expectations around settlements and program fees, so I understand your frustration. Settlement fees are outlined in the enrollment documents, but we’re more than willing to review everything with you to ensure it was handled correctly. I’ve attempted to locate your account based on the username provided in your review, but I wasn’t able to find a match. Please reach out to us directly at OfficeofthePresident@americor.com so we can address your concerns, and provide the support you should expect from us. We’re here to help and want to make sure your questions are fully resolved. -Americor ### 3/5 — Scam *2025-09-17, version 6.16.0* This program is a scam. What the salesperson told me about how it works is very different from how it really works. I followed their instructions and now I am totally screwed! My wages are being garnished and the stress is causing physical and mental issues. I canceled the contract and they refuse to refund any money left in my account! ### 1/5 — App doesn’t log me in *2024-10-29, version 6.7.0* I have iOS 18.1. The app opens but when I attempt to sign in it just stays on the loading screen. I always have to log into the website rather than use the app because I can’t get in. ### 1/5 — Beta 18.1 *2024-10-26, version 6.7.0* I am on iOS beta 18.1 and the app will open, but I can’t click on anything inside the app. ### 2/5 — Update *2024-10-24, version 6.7.0* Since the update I haven’t been able to use the app tried deleting and reinstalling and same issue ### 1/5 — App won’t get past the loading screen. *2024-10-15, version 6.6.1* After logging in the app hangs up at the loading/welcome screen. I have deleted and reinstalled the app numerous times on different internet/wifi networks. Had a chat with support and was told “have you tried using the website” So I’ll just use the site until the app works. iOS 18.1 iPhone 13 Pro Max If that matters. ### 1/5 — Horrible App *2024-10-11, version 6.6.1* This app DOES NOT work with IOS 18.1 Beta. I have communicated this multiple times and no results. Works only with 18.0.1 and lower. As a customer, this is truly frustrating. ### 1/5 — App not working *2024-10-09, version 6.6.1* The app is getting stuck when loading as you open the app. Can’t access anything. Please fix. ### 1/5 — App doesn’t work!! *2024-09-26, version 6.6.0* My app hasn’t been working for a few weeks now! ### 2/5 — App update *2024-05-24, version 6.2.2* Went to update the app website and now I can’t get access to my account or anything. This update has gone horribly wrong. Can’t even get it to open now😡 ### 1/5 — End up paying Americor tens of thousands *2024-04-20* They don’t let you post valid questions about their process and now after 8 months in the program I found out that I will pay 2600 in fee for only 1 accounts. I have 10 so I feel this is scammer. Im going to report this in BBB. Don’t get in the program with 50k you will end up paying them half of that **Developer response:** Dear Cptroger, We're sorry to hear about your concerns. Transparency is crucial to us, and we apologize if there was any misunderstanding regarding our fees. Please don't hesitate to reach out to us directly at officeofthepresident@americor.com. We're here to help and ensure that you have a positive experience with our services. We can address your questions and work towards a resolution together. Thank you for your feedback; we value the opportunity to improve. Sincerely, Americor ### 1/5 — No recomendado *2024-03-27, version 6.0.6* No recomiendo usar esta compañia, juegan con tu dinero por mas de un año y no solucionan nada, son falsos. Adicionalmente cada operador de servicio al cliente te da una información diferente. ### 2/5 — I was naive, but also got taken advantage of *2024-01-31, version 6.0.4* I have always been financially smart and frugal. I applied for a loan and then immediately got a bunch of spam mail about more loans and loan debt consolidation. I ended up talking to an Americor staff member and was sold on that it wouldn’t permanently hurt my credit score and wouldn’t likely get issued 1099-C’s. I now feel like I got taken advantage of, I had the means to eventually pay the loans, but I thought this was a bulletproof way to save money for a temporary credit hit (6 months tops from how agent explained it). This was Nov 2021 and I finished Nov 2023. I had 25.5k debt. I ended up paying a grand total of 19.2k to Americor (saving 6.3k + whatever future interest) I got issued 14.3k of 1099-C debt cancellation that I had to report on my 2023 tax return (22% tax bracket so cost me 3.1k on taxes). So ended up saving 6.3k-3.1k=3.2k+interest. However my credit score immediately dropped once entered program (~750+ Oct 2021 pre program) and I have been in the 600-675 range from Nov 2021-Jan 2024. I don’t think the 3.2k+future interest savings was worth the poor credit (which l will be an issue for 7 years). ### 1/5 — won’t load *2024-01-29, version 6.0.4* just tried to load new version won’t load. ## Most critical reviews (10 lowest-rated) ### 1/5 — Scammer company stay away *2026-06-06, version 7.4.0* They stole from me 1500$ stay away from this scammer horrible people ### 1/5 — Scammers *2026-04-15, version 7.3.0* Be careful never trust them U can settle your own just call your bank ### 1/5 — Bad Bad Bad *2026-03-05* Debt Settlement is bad for your credit you pay them the program fees read fine print! you save very little money over all your creditors hate you and can send you to court and just by following program. Messes with your credit for 7 years very bad. **Developer response:** Air Force JJ, Thank you for sharing your feedback. Debt settlement programs can impact credit, and we strive to be transparent about the process, including potential risks, timelines, and program fees, so clients can make informed decisions about their financial options. If you would like us to review your situation or address any concerns, please contact us at officeofthepresident@americor.com so we can assist you further. -Americor ### 1/5 — Americor Is A Heartless & Deceptive Operation *2026-01-30, version 7.1.0* Americor was NOT a Finance company when I was a client. They were a debt relief program. They claimed that they were a debit negotiations company! Yes I signed up because of my debit to income ratio. But what Americor doesn’t want you to know can hurt you. Today 1/30/26 I received a 1099c form from SYNCHRONY BANK. They funded my Lowes credit card. I reached out to Americor customer support about this. I asked why someone didn’t inform me about this? I was told that I should have read page three. I said if someone had disclosed this upfront I wouldn’t have used this service.I said that I signed the documents online. The agent said that I should have been adult enough to read all the documents. My wife passed away in October 2025. I don’t know how long I’m going to be able to survive financially. This has also set me back emotionally as well! ### 1/5 — Waiting *2026-01-21* I was told this company would pay my debt off once I signed up. Well I have made SIX PAYMENTS TO THIS COMPANY and they still haven’t paid my credit cards off. I have NEVER been late in paying my creditors and now Americor has ruined my credit score and still have not paid my debts!! Don’t sign up with this company. My next call will be to my attorney!!!!!! Very dissatisfied!! **Developer response:** We’re sorry to hear about your experience and understand how frustrating this situation can feel. Americor is a debt resolution program, not a debt payoff service payments are first accumulated in a dedicated account so negotiations can be made with creditors for reduced settlements once sufficient funds are available. We take your concerns seriously and would like the opportunity to review your account and address expectations, timing, and next steps. Please contact our Office of the President at officeofthepresident@americor.com , and a senior team member will follow up directly. Thank you for bringing this to our attention. ### 1/5 — Don’t do this *2026-01-11, version 7.1.0* They charged 17000$ fee stay away from this ### 1/5 — Do not recommended *2025-12-04* Did not tell me about such high fees when it comes to settling offers, put them in the back of my paper work. Doesn’t feel like such a big settle after the big percent they charge for doing it!! Might as well and negotiate yourself **Developer response:** We’re sorry to hear about your concerns and appreciate your feedback. We strive to provide clear information regarding fees and settlement processes, and we regret if this was not communicated effectively in your case. We would like the opportunity to review your account and address any questions or concerns you may have. Please reach out to us directly at Officeofthepresident@americor.com so we can assist you. –Americor ### 1/5 — Wages Garnished Anyway *2025-11-08, version 6.17.0* I wish I had just called the creditors myself! All this money could be going to REALLY reduce our debt! They did not even notify of the garnishment! It was simply taken out. They “say” they have “legal resources,” but do NOT help you or look out for you. I regret using them. ### 1/5 — DO NOT USE THESE PEOPLE *2025-03-17, version 6.13.0* This is a scam for them to get you to pay hundreds of dollars to them when you are not saving any money by doing this “program” by letting them settle your debt. Thanks to them my wages are going to be getting garnished because they refused to call a creditor and havn’t bothered to call any others! I am very furious!!!! ### 1/5 — iOS 18 issues *2024-10-30, version 6.7.0* Unable to get the app to load past the welcome screen. Worked on iOS 17, works on iPadOS 18 but not iOS 18. ## Most praised reviews (10 highest-rated) ### 5/5 — Great app *2026-01-27, version 7.1.0* Love this app ### 5/5 — Changed My Life! *2025-11-09* My accounts were negotiated in just 3 months and I was able to complete the program in less than a year because I made large deposits. I’m now debt free, thank you Americor! ### 5/5 — Becoming debt free *2025-06-08* I’ve been in debt for years. Trying multiple strategies myself to pay off. I kept turning down debt relief until I met started working with Liberty/Americor. Now I have a clear path to being debt free - my only regret was not starting sooner. Thank you! **Developer response:** Thank you so much for sharing your journey! We understand how overwhelming it can be to navigate debt on your own, and we’re truly honored to be the team that helped you find a clear path forward. Your trust means everything to us, and we're so glad to be walking this journey with you. Here's to a debt-free future we're with you every step of the way! ### 5/5 — App not working *2024-10-24* I can’t get into my account to contact support. My app IOS 18.1 does not load once it identified my name ### 5/5 — My app stopped working *2023-11-19, version 5.8.3* Really loved it before. Now it gets stuck where I’m supposed to put my code. ### 5/5 — Great Company *2023-07-05* Never had a problem. All my questions were addressed. Representatives were polite and courteous. ### 5/5 — Americor - A Good Alternative *2022-10-10* I appreciate companies like Americor being there as an alternative solution when financial times get difficult to navigate. Americor’s people are great, always polite and professional. They are there to support and answer questions. ### 5/5 — Make a plan and stick to it *2022-08-20* They help you do just that! ### 5/5 — Pay off process *2022-06-11* Could not have been more supportive and helpful to eliminate my debt. Not 43 months but 15. Why because not only did I get support but I got coaching. Coaching that did not make me feel like a failure but a success. And then to waive the fee for the remainder of months and say we are not going to penalize him for following our direction but reward him for it. Thank you. ### 5/5 — Thanks *2022-04-04, version 3.8.1* You guys are a life saver I’m debt free thanks --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*