# Clerkie Payoff Debt Bills Fees — user reviews > 116 indexed App Store user reviews of Clerkie Payoff Debt Bills Fees by Henry Labs Inc, rated 4.77/5 from 2,844 ratings. - Source: https://appshunter.io/ios/app/clerkie-payoff-debt-bills-fees/id1132917036/reviews - App overview in markdown: https://appshunter.io/ios/app/clerkie-payoff-debt-bills-fees/id1132917036.md - Rating breakdown: 5★ 2,645 · 4★ 33 · 3★ 27 · 2★ 19 · 1★ 119 ## What do users think of Clerkie Payoff Debt Bills Fees? Overall sentiment: negative **Pros** - 💰 Helps pay off debt - 🆙 Improves credit score - 🤖 Helpful AI assistant - 🏠 Useful for home buying - 💳 Tracks spending and accounts - 💸 Negotiates lower interest rates **Cons** - 🔍 Difficult to access account/withdraw funds - ❌ Lack of customer support - 🕰️ App abandoned and not updated - 🚫 Unreliable payment processing - 🤖 AI assistant no longer available - 🔒 Security and privacy concerns **Commonly reported bugs** - Login issues and invalid credentials - Connectivity problems with linking accounts - Errors when trying to view credit reports or pay debts - Inconsistent app functionality across devices **Most requested features** - Dark mode option - Improved budgeting tools - Ability to link all financial accounts - More transparency on debt negotiation process - Better communication and responsiveness from support ## Newest reviews (16 of 116) ### 2/5 — Looks promising but… *2024-11-08* The functionality sounds and looks like it’s great but it also is apparently theoretical or maybe it’s just reserved for people not me. There are large parts of the app that require connecting to other services to grab data or at least for it to be automated. Instead of that being a seamless process the connectivity to plaid to link accounts is burdensome at best down to having to restart and relogin for each individual one, it can’t even retain the login to plaid so it’s hours and then only picks up select accounts for each bank. They also only use plaid so forget about half of your accounts which makes it useless for budgeting unless there’s a manual upload process I haven’t found but manually entering every transaction is a non starter. Worse still is attempts to pull in debt or credit scores gets a vague error about an unknown encryption type and to fix first. But worst of all is that in app help requests (there is no user guide) go ignored and unanswered . If the developer couldn’t be bothered with the app then I guess no one else should bother either ### 1/5 — Booooo *2024-10-21, version 0.3.45* The app doesn't work ### 1/5 — STAY AWAY.fraud app *2024-08-28, version 0.3.45* Do Not EVER GIVE THEM $..won’t get backI had Clerkie for over a year.not paying any attention as took 25 monthly to my savings .when I went through transactions. They took 525.showing as balance of 400.as I try to withdrawal My money it fails. They won’t respond.ignoring me. Can’t take it out stay away ### 1/5 — So many technical errors with this app *2024-05-16, version 0.3.45* Nothing works properly I got 3 errors during account creation and then I finally got ina proceeded with putting in my info/social it stated I made too many attempts and need to wait 2 days to try again. They get your SSN # and then run with it and customer service doesn’t respond. I recommend using any other app over this one. ### 1/5 — Only in the USA?! *2024-04-11* I’m in Canada. The app will not let me enter a Canadian address. It’s looks unique and helpful. Too bad we’ll never know. ### 2/5 — My Review *2024-01-24, version 0.3.45* The counselors and lawyers don’t ever respond to questions. Everything they say they got processed or approved or removed isn’t because they did it. I’ve had this app for over two years. Everything that fell off my credit was due to being on there for so long as far as inquiries and such. Then in the app they list it as something they got removed. It’s almost falsifying their efforts to keep you locked in. Honestly you could do more by using a credit work company or a debt relief program that only costs about $100/month. Negotiations on your credit can actually negatively impact because your not paying your original amounts in full so you don’t get that points. Unless this app magically changes their operations and efforts I don’t see this as being a app I’d use or recommend in the future. ### 1/5 — STAY AWAY. NO Support, scam, will take money out of your acct and not apply it to your debt. *2023-09-18, version 0.3.44* I’ve contacted them endless times since being a customer for over a month, they deducted the payment which was supposed to pay towards a credit card, but never paid towards it. I’ve emailed and submitted 10+ support tickets and just get automated responses saying they’re reviewing and will get back to me. Still nothing. Trying to get my money back, but no one will respond. DO NOT use this app. Do not try it out, do not upload your bank or card info. Take it from me, STEER CLEAR. ### 1/5 — Likely a scam *2023-08-03, version 0.3.44* I used it and paid off a debt and haven’t heard a single thing from the customer service people about next steps. I am going to reach out to my bank to have them refund my payment, those who’ve paid this company anything should do the same. ### 3/5 — Account *2023-07-29, version 0.3.44* The app actually works however their customer service is not so good. ### 1/5 — Worst idea *2023-07-17, version 0.3.44* If could it would get a zero star rating if that was possible it let me login once after making the account now it says my email is invalid and can’t log in want the account and my information deleted ### 1/5 — Took my money and ran! *2023-07-09, version 0.3.44* I paid off one of my loans however on my credit report it says it still has a balance! I tried contacting the negotiator and they never replied so I went to email them and STILL no reply! It’s been WEEKS! Whatever you do DO NOT pay them ANY money! ### 1/5 — Took my money didn’t pay the creditors *2023-07-05, version 0.3.44* I had setup with Clerkie to get my finances in order they said they negotiated to crush some of my debt (it’s still showing on my credit report) and I paid off three bills with them they took my money never paid the the creditors however marked payment in full on their app site. I can’t ever talk to a real person can’t find out how to get my money back it’s ridiculous. ### 3/5 — Seems legit but kinda unsure *2023-05-31, version 0.3.44* i’ve been using this app for awhile and it states a lot of my debts are crushed. I was however still receiving calls from collections. Some of the crushed debts are however no longer on my report. I recently payed almost 300 dollars to clerkie to pay off a debt. According to my credit report the account has been closed since 2020 so i’m unsure if that payment will go towards the collector that the account was sold to or what. i’m waiting to see ### 1/5 — Scam *2023-03-28, version 0.3.44* I have tried contacting customer service for two weeks now about not being able to withdraw my money due to an error code. I have not been able to get a hold of anyone. They will take your money and hold on to it. The promise of withdrawal at any time is not true. I have tried calling, sending messages via the app, and emailing without success. Do not trust this company, it is a company scam. ### 1/5 — NIGHTMARE! Steals your money! Please beware!! *2023-03-15, version 0.3.44* Downloading this app has been a nightmare that I keep paying dearly for. First of all the app has little to no information as you're trying to navigate. I'm thinking it's asking me simple questions like for my financial info to actually determine how much debt I have, and goals like how much I want to pay off per month. Instead, this app is continuously pulling money out of my bank account DAILY and there is NO WAY to stop it. There are no buttons to control payments, there are no buttons to delete your info! I have tried to contact customer support with no response. I reported them to my bank for fraud and got the first SIX transactions refunded. They did not go toward paying off my credit cards, btw, they just seemingly went out of my bank account and into clerkies pockets. Now after all the fraud alerts and deleting Clerkie, today somehow AGAIN there are two more transactions from Clerkie. Please please please do not download this app! It's been a complete nightmare and messed my life up in so many ways. I have reported them to apple to be removed from the App Store! I hope this happens asap: the 5 star reviews seem so fake. ### 1/5 — No response *2023-03-03, version 0.3.44* I have been trying to get ahold of someone for awhile now, no one is responding back to me after ive paid off my debt, it like they took my money and ran ## Most critical reviews (10 lowest-rated) ### 1/5 — Great while it lasted, completely abandoned now. Avoid *2026-03-20, version 0.3.45* I used Clerkie a ton back when it was actually functional (mostly in the year 2021) and I loved it. It put me in contact with a debt specialist who spoke to me on the phone and handled my reduced payments to multiple debt collectors and it was great. But the backend of this app was completely abandoned several years ago (as you can see by the version history) and users who trusted it with their money became unable to access it and it has become part of a several year long ongoing class action settlement (Google search reconciliationbyevolve to learn more). Clerkie is listed as one of the accounts that has refused to provide Evolve Bank with the data that they need to refund its end users with the money they are owed. This settlement is not over, and I encourage any Clerkie users who lost money to get involved and perhaps team up with the yotta end users who are currently seeking legal action for being similarly wronged, as they are organizing and communicating regularly about this problem still on their subreddit. The fact that this app is still up and available for download on the iOS store is very disturbing and I encourage everyone to report it, and cite the legal trouble they are in and how the app has not been updated in two years. An app handling such sensitive information as banking information and credit scores and finances being abandoned like this and never taken off the App Store is extremely dangerous. I’m sorry to everyone affected by this. Clerkie really was awesome while it lasted. It sucks that this is what became of it. They really did help me out at one point in time. ### 1/5 — App abandoned *2025-11-19, version 0.3.45* Hasent been updated in 2 years ya pack it up boys. ### 1/5 — Terrible app, worthless support *2025-11-04, version 0.3.45* It’s the worst budgeting app I’ve used. Their features said I can pay me credit card via their app, and I submitted payment and nothing happen, I missed my min payment and then I had to wait one month to get my money back. And now i want to remove my back from their app, their don’t have that option and support didn’t respond for 2 weeks. ### 1/5 — Thinks I’m a minor? *2025-10-31, version 0.3.45* Clerkie accidentally got my birthday wrong and now I can’t fix it and I can’t use the app. I would love some help with this, as I’ve reached out to customer service twice now. Thanks. ### 1/5 — Useless *2025-06-26, version 0.3.45* Can’t access anything. Keep getting an error and no customer service responses. What a joke ### 1/5 — Could’ve been great *2025-05-04, version 0.3.45* Can’t pull your credit or your debts ### 1/5 — Where’s my $?? *2025-03-14, version 0.3.45* Used this app for 2 years after DoorDash offered it to drivers. Seemed great at first until I had an issue & couldn’t get anyone to respond for months. Then out of the blue I got hit with a “missed payment” report on my credit report & my account with them was marked as closed. Now they’re holding the $ in my credit savings & nobody will respond to help me. Horrible “company”. ### 1/5 — Thieves *2024-12-14, version 0.3.45* This app is scam and no one should trust what they say. DO NOT USE THIS APP! They will definitely destroy your finances. I still have no clue where the rest of my money is and they have deleted my account so I can’t even login. They still owe me 500 dollars and on top of that they have hit my credit report negatively. The moment I felt like withdrawing funds the nightmare began. Took over 2 months to even get someone to respond to me and guess what it wasn’t even Clerkie! They paid me half of what I had in the account which was weird because I wasn’t doing business with them I was with Clerkie. So come to find out they we also not working with Clerkie anymore on the back end. So this middleman company was using both sides and holding funds elsewhere so they seemed needy and unprofitable. While juggling funds between accounts. Trust when I say do not use this app my situation could have been worse for sure! Hopefully they get what’s coming to them KARMA! ### 1/5 — Don’t bother *2024-11-29, version 0.3.45* The functionality sounds and looks like it’s great but it also doesn’t exist in reality. I’ve had the app for months now hoping that some of the basic functionality such as pulling in credit scores and getting a plan to improve it or pulling in debt and getting a plan to pay off error out with unhelpful mystery errors about unknown encryption issues on both the app and beta web interface. Don’t waste your time on support messages they are never answered and there is no help guide. You waste days of your life linking accounts through a clunky interface that avoids efficiency at all costs, only pulls in random accounts from sites it works with, and from what I can tell has no ability to upload transactions for the ones not pulled so even more time entering those to be left with no functionality of value at the end. Unless you find value in sharing all your financial transactions with a company so they can openly sell your data to others to spam you. If you do then it’s it’s great ### 1/5 — Fix it or delete app! *2024-11-28, version 0.3.45* I keep getting an error about an XML code when trying to verify my debt. At one point when it was working, I tried to make a payment It kept saying something went wrong. Im convinced this app doesnt work anymore and the so called Human Specialist never responds. At this point just delete the app! ## Most praised reviews (10 highest-rated) ### 5/5 — Powerful quick excellent credit app!! *2024-02-28, version 0.3.45* This site is what I’ve been looking for it has all the power to clean my credit score finally!!! ### 5/5 — I was so happy to see! *2024-02-12* I have been working on finding a way back into society and the rules of the world didn’t agree with my past and the way I had absolutely zero creditworthiness or any kind history whatsoever. So I said to myself let’s just try this and see what happens. I know that I am disciplined enough to maintain a relationship with the promised contributions and with my will power to seek the best possible outcome for myself, hopefully within a few years I can make it work. Already got the mindset, now if I can just remember what I was doing….oh ya saving money for my credit score lol thanks Clerkie 😅 ### 5/5 — This App Saved My Marriage *2023-11-11, version 0.3.44* Not really, but it did fix our credit score and now my wife isn’t so mad at me about messing it up in the first place. ### 5/5 — Good App but is anyone there?? *2023-08-06, version 0.3.44* Clerkie was super helpful. It doesn’t seem like there is anyone working there anymore I’ve been waiting for a few debts I’m trying to crush to be negotiated and can’t get an answer from anyone it’s been a few months now. I’m just going to assume there’s no live staff anymore which is sad because it’s a really good app! ### 5/5 — I feel empowered by this app *2022-10-23, version 0.3.42* I feel like I can actually accomplish my financial goals! ### 5/5 — It really works *2022-10-23, version 0.3.42* The app gave me control over my finances ### 5/5 — It really works *2022-10-23, version 0.3.42* Only had app for about a week, a friend invited me and so far I'm impressed and very happy with the plans I got. I am excited to work with this company on building up my credit ### 5/5 — Very good budget app *2022-10-13, version 0.3.42* It comes in handy as a single parent ### 5/5 — Shoutout! *2022-10-13, version 0.3.42* Easy to use app and features! ### 5/5 — a blessing *2022-10-04, version 0.3.42* So far so good very heplful and fast app --- *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 2026-08-24.*