SCAM
This app used to be helpful but about a year ago, they stopped paying out to my credit cards. They blame the migration to a new bank, but you can’t reach anyone through email or phone, you can’t cancel your account until you withdraw all your money they’re holding. I’ve sent emails requesting this, I get automated answers back saying it’ll happen, but nothing. There’s a $4.99 fee taken each month out of my checking account that I can’t find a way to stop even though there’s a message that they can’t link to my bank. Otherwise I’d just walk away from this stupid app.
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DONT DO IT!!!
This app was great until they switched banks. I guess I’m not exactly sure what is going on but from my understanding is they switched banks. They were still withdrawing a monthly fee from me for months. And not setting aside my goal amount each week. And now they are withholding my money and telling me they can’t do anything about it because it’s the new bank and you can write a complaint to the new bank or call them but you can’t get a hold of anybody and nobody responds to an email. It’s ridiculous how can they hold your money?! I’m not sure how that can happen. So the money that they were withdrawing every month for a monthly fee they told me they were going to reverse the fees and refund me, but I can’t get the refund the money and the money that they’re holding of mine they won’t give it to me or tell me how I can get it. FIND ANOTHER APP THAT KNOWS WHAT THEY ARE DOING!!! Because this is a nightmare!
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Has been migrating since June 2022 & no access to account
I downloaded this app and was very happy with it.
Until they sold out to another bank. They have been “migrating” my account since last June, during which time I’ve been charged a monthly fee but have been unable to access the account. They said it was due to the magnitude of the migration. I tried multiple times to log-in and delete my account and my access was repeatedly denied as the app said my account information could not be found/verified. I have reached out multiple times to customer service and was ignored. After a third attempt, I *think* my account has (finally) been deactivated but we’ll see if I get charged again this month.
Terrible customer service; Am not at all happy with this company ever since their migration. Disappointing since they were so great in the beginning. Even attended some of their webinars. But the fact that my account information has been inaccessible for 8mos, with no response from anyone is unsettling.
Until they sold out to another bank. They have been “migrating” my account since last June, during which time I’ve been charged a monthly fee but have been unable to access the account. They said it was due to the magnitude of the migration. I tried multiple times to log-in and delete my account and my access was repeatedly denied as the app said my account information could not be found/verified. I have reached out multiple times to customer service and was ignored. After a third attempt, I *think* my account has (finally) been deactivated but we’ll see if I get charged again this month.
Terrible customer service; Am not at all happy with this company ever since their migration. Disappointing since they were so great in the beginning. Even attended some of their webinars. But the fact that my account information has been inaccessible for 8mos, with no response from anyone is unsettling.
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Used to be great but sadly not anymore
I wish I could give 0 stars. Used to love this app! It was very useful. However, I have had my money stuck ever since they switched banks or whatever their big switch was. I also was somehow enrolled in their monthly subscription that I never signed up and am still being charged for monthly. I have emailed support several times and have only heard back once and they claimed they’d cancel the subscription. It took weeks to hear back from anyone and it still didn’t get cancelled. So not only is my money stuck, i’m also being charged a monthly fee by this app. Super frustrating!!
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Not transparent
My bank account got disconnected and would not reconnect, they told me they were working on it…they told me this for two months. I could not remove my funds from the app in order to cancel the app. Finally my account got to zero and was able to close my account with the intention of re opening (which is what they told me me to do the last time this exact same thing happened). I have tried to reinstate my account and they have not responded. It was a good app, but if they don’t want me they should state why. I came in to a lot of money and was making a lot of payments so the balance in the account was higher than my norm, but it was not ridiculous. Even so, why should this be a problem for them? Do they only want to work with you if you are in a lower income bracket? What’s up Qoins?
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Frauds
The update on all of this is essentially Qoins was engaging in a scheme where they used their customer's money to fund their business until they ran into the negatives being why they cannot tell us when our money will be returned back to us - BECAUSE IT IS GONE! Qoins is not even responding to the bank that ran the analysis on their account to discover what they were doing.
Do not use their services - I don't even think they will allow you to subscribe. However, those who are subscribed and having issues cancelling, speak with your back about putting a stop payment on your account for Qoins. I may never get back the money I've lost through them, but they will not continue stealing from me and I will do my best to help anyone from making the mistake I did.
Do not use their services - I don't even think they will allow you to subscribe. However, those who are subscribed and having issues cancelling, speak with your back about putting a stop payment on your account for Qoins. I may never get back the money I've lost through them, but they will not continue stealing from me and I will do my best to help anyone from making the mistake I did.
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Fraudulent Service
Qoins is a fraudulent service. Last July, they sent a general email to their customers stating that they were changing bank partners and provided an opt-out solution for anyone who did not want to come along for the change. I have had numerous technical difficulties and poor response from Qoins customer service over the years so I decided to opt out. Eight months later, my funds have not yet been release, Qoins continues to charge me a monthly service fee for use a platform to which my access has been revoked, and there is no response from customer service. I will report Qoins to my bank and possibly to the FTC for their fraudulence.
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Works great until it doesn’t
I was happy enough with the app enough that I paid for the 1 year membership. Since then it has disconnected from my account and after a month of waiting they finally responded with a generic email saying they were working on the problem, sorry for the inconvenience. Nearly two months later, I have sent numerous emails trying to get at least an update if not a refund, with no response. So i recommend tithe app but pay month to month. That way when it stops working, you are only out $5
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Avoid at all costs
This company has charged my account the subscription cost for MONTHS on end and there is literally no way to cancel and make it stop unless you work directly with your bank. When you try to sign in on the app to cancel you are unable too and they blame it on some “bank migration” issue, which leads you to a webpage with an article of them deflecting all responsibility. I am extremely lucky I did not have money in the app before this “migration” and it was only the cost of the subscription I have been being charged for. Those who did have money were locked out of there accounts with no way to get there money back. People have lost thousands of dollars.
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STAY AWAY! They stole me money!
It’s been several months that I haven’t had my $1500 returned to me. They recently went through a bank migration and communicated that it will take up to 3 weeks to migrate my account so that I can access my funds. A month later and I was unable to access my account. I requested to deactivate my account and to have my funds sent to me via a refund check (as per their FAQ). It’s been 2-3 months since then. I got an email informing me that the bank they partnered with for the migration will not release my funds, and that they have a new banking migration partner who cannot help us. Basically, they’ve placed blame on the other banking partner and have not held themselves accountable. I’ve been following this for a while and I’ve seen that even for Qoins customers who got their refund checks - their checks were bounced. Qoins has stolen my money and many others.
Stay away from this company! I only hope that there can be greater visibility about this situation so that there can be federal legal action.
Stay away from this company! I only hope that there can be greater visibility about this situation so that there can be federal legal action.
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Ok for a while
Update: It has been 3 weeks since I requested them to stop taking money out of my account. They took $60 after I told them not too. They also had about $260 tied up in my payoff account. Twice the payment they sent out BOUNCED!!!!!!! I asked them to refund my money and they took it all off of the app and it has disappeared. I have called and emailed with no response!!! Evolve is the bank that they used and I have opened a complaint and ticket with them.
This app was working great for me for a while. It now recently has stopped being able to connect to my bank. They “filed a ticket” a week ago with no answer back.
This app was working great for me for a while. It now recently has stopped being able to connect to my bank. They “filed a ticket” a week ago with no answer back.
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DO NOT GET THIS APP!
When I first got this app many months ago it was great — did exactly what they said it would do, and helped me pay off some debt. Then they “migrated” to another bank and the app has been crap ever since. I have been trying to transfer my remaining money out of it so I can close my account and the transfers say they are successful but I never get my money. Meanwhile they keep charging me $4.99 a month for their “service”! Customer service is a joke, you never hear from anyone when you submit a request; there’s no phone # so it’s just submitting emails and you get an anonymous “thank you for contacting us” robo response but nothing gets resolved.
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Horrible since migration
They are holding my funds hostage. I can’t get my money back because my account is on hold even though I did everything they asked prior to migration. I can’t cancel my subscription because there are funds in the account. So now I’m paying $4.99/month for my own ml eh that I no longer have access too. I’m so disappointed because I loved this app and it really helped me pay down credit cards.
I’ve been trying repeatedly to get my funds refunded. They are also random ly taking out fees from my accounts every month. I have screenshots to show. I’ve received zero response and it’s frightening that all these other reviewers have received checks that are bouncing. This is absolutely ridiculous and a class action suit needs to be looked into. What a scam!
I’ve been trying repeatedly to get my funds refunded. They are also random ly taking out fees from my accounts every month. I have screenshots to show. I’ve received zero response and it’s frightening that all these other reviewers have received checks that are bouncing. This is absolutely ridiculous and a class action suit needs to be looked into. What a scam!
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Used to be great and now frustrating
I was the biggest fan of Qoins up until recently. Before July/August 2022 I had no problems whatsoever.
I used the platform to pay down my student loans. I noticed that since August none of my payments have been going to the destination. I am out of hundreds of dollars because they continue to take round ups which I can’t seem to turn off in the app and I still have the problem of not being able of my payments not going to my student loan provider. Now when I log in none of my bank accounts are connected. I’ve reached out to customer service 6+ times and have not received a response. I have called their phone number that goes straight to voice mail. Not sure what’s happened in the last few months, Qoins used to be great including the customer service but this is ridiculous.
I used the platform to pay down my student loans. I noticed that since August none of my payments have been going to the destination. I am out of hundreds of dollars because they continue to take round ups which I can’t seem to turn off in the app and I still have the problem of not being able of my payments not going to my student loan provider. Now when I log in none of my bank accounts are connected. I’ve reached out to customer service 6+ times and have not received a response. I have called their phone number that goes straight to voice mail. Not sure what’s happened in the last few months, Qoins used to be great including the customer service but this is ridiculous.
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Fraud
Was good in the beginning Now took my 700$ and ran No response to emails nothing . I see on the reviews they are responding to to neg reviews saying your account will be back when the merge is done That’s all they can say?? Why can we not get in touch with you then?? Why not responding to emails Calls?? Why?? I to am still being charged monthly I see you left a message on a review that says our customer service reps can help with that really?? And how does one get ahold of them!!!! Your number don’t work won’t reply to chats or emails How do you get in touch with a rep?? I’m sure they are in the beach somewhere sipping thousands of customers money away. Your answer needs to be better and more than the routine your account will be back once the migration is done. It don’t take 6 months and if it did I would expect communication but nothing Very very upset
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Took My Money
Update: I finally received my money as a check and to top it off the check was returned Non Sufficient Funds. I left them a message and emailed them. They got back to me two weeks later in an email and said they’d look into it. This has been a terrible experience and I just want my money back. Customer service is pretty much nonexistent.
Qoins was great until the started raising their prices. Also, they withdrew a payment from my account in July and it never made it to my loan. Customer service said there is payment protection and I can get my money back but they had to research it. They finally said they would refund the payment to me at the beginning of September. I have yet to see the money. They have also stopped responding to my emails. If there is a payment protection, then why have they been dragging this along instead of refunding my money. Not happy.
Qoins was great until the started raising their prices. Also, they withdrew a payment from my account in July and it never made it to my loan. Customer service said there is payment protection and I can get my money back but they had to research it. They finally said they would refund the payment to me at the beginning of September. I have yet to see the money. They have also stopped responding to my emails. If there is a payment protection, then why have they been dragging this along instead of refunding my money. Not happy.
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Frustrated
I have used Qoins for 2-3 years. And for the most part, use has been fantastic and really helps out chipping away at debt. The bad news is, I am continuing to be charged for subscription to their service, yet there have been no round ups for well over 6 months since they announced they were doing a big transfer.
I have not been able to get past my account verification screen on the app, and I have not been able to pay any extra money to debts on the app since the big transfer news broke. The app has been broken for me since that announcement, and I am running out of patience.
I have spoken to several customer service reps yet nothing has changed. I remain unable to round up and pay off more debt. I have since switched to rocket mortgage (as they offer a similar round up service) and while it does not attach to any credit accounts, it still serves the same purpose, albeit with extra steps.
I am saddened by this turn of events because I really enjoy Qoins and what it offers, but providing me an app that I cannot even login to access completely defeats the purpose of having it on my device.
I have not been able to get past my account verification screen on the app, and I have not been able to pay any extra money to debts on the app since the big transfer news broke. The app has been broken for me since that announcement, and I am running out of patience.
I have spoken to several customer service reps yet nothing has changed. I remain unable to round up and pay off more debt. I have since switched to rocket mortgage (as they offer a similar round up service) and while it does not attach to any credit accounts, it still serves the same purpose, albeit with extra steps.
I am saddened by this turn of events because I really enjoy Qoins and what it offers, but providing me an app that I cannot even login to access completely defeats the purpose of having it on my device.
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Worst Company Ever
Qoins used to be great but I think they got too big and now they are complete trash. I stopped my automatic withdraws from my checking account more than a year ago and all of a sudden they take money out of my savings account that I never authorized. I have been fighting with them since 12 Aug for a refund and they keep saying they are working on it. You can’t even log into their app because they are in “the process of migrating” and there are issues. I don’t believe a word they say. They owe my husband more than $200 because the money was taken from his account and paid to his car loan but then returned for insufficient funds causing him to have to pay the $200 again and still out the $200 that Qoins took. Beware if you plan using this company!
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DO NOT GET THIS APP
Used to love this app but have not been able to access my money for months due to the bank migration. I share much of the same frustration as other reviewers. I’m incredibly disappointed that I entrusted them with my money that I can’t get my hands on when I need it most. I used to be the biggest advocate for Qoins and now I can’t wait to get my money back and cancel my account. Absolutely ridiculous!
Qoins you need to communicate transparently with your customers about this situation with a realistic timeline of when this will be resolved. Your lack of transparency is diminishing your credibility. I don’t want to hear “it’ll be back up in no time” — no time has already passed.
Qoins you need to communicate transparently with your customers about this situation with a realistic timeline of when this will be resolved. Your lack of transparency is diminishing your credibility. I don’t want to hear “it’ll be back up in no time” — no time has already passed.
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Such a sad turn out
I had been a user of qoins for quite some time. It ready helped me save up money and budget for my goals. Since their bank account transfer, I have had absolutely ZERO access to my account and they refuse to verify my account and grant me access to MY MONEY. They are almost impossible to reach. By the time they finally return your contact, weeks have gone by. They simply reply, “ Amber, that is correct. You temporarily do not have access. However, since your account is on hold, you are at the last step of the migration process. Once you are fully migrated, you will have access to your Qoins as usual.” Which is a lie.
This is by far the most unprofessional customer service I have ever encountered. I don’t have a lot of money in my account, but it is still MINE and I am a fool to have trusted them with it. If anyone has any guidance on how I can access my money or if I need to get a lawyer, please let me know. I am truly starting to believe this company is fraud.
This is by far the most unprofessional customer service I have ever encountered. I don’t have a lot of money in my account, but it is still MINE and I am a fool to have trusted them with it. If anyone has any guidance on how I can access my money or if I need to get a lawyer, please let me know. I am truly starting to believe this company is fraud.
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