No Complaints
Response from developer
Thank you so much for taking the time to share your positive experience! We are thrilled to hear that you are finding the app easy to navigate and that checking your balances is a seamless experience. Our team works hard to keep the portal navigation quick and efficient, so it’s wonderful to know that effort is paying off for you. We are also incredibly proud of our customer service team and will be sure to pass along your kind words to them. Thank you for choosing Raisin to help maximize your savings. If you ever have any questions or future suggestions, please don't hesitate to reach out to us at support.us@raisin.com
Beginning to think this company is a fraud
BUT- then they lock your account and want “more verification.” They want a photo of you with your ID. They don’t have a clue what is done with that highly sensitive biometric BUT they assure you it’s protected, yadda yadda. Already reeled in and having given them a substantial amount of money in the initial process, I gave them that data.
BUT THEN- somehow this company wants MORE “verification.” Without any reason given for why what they already have (much more than any Bank I’ve dealt with in 6 decades), they want an actual unredacted bank PDF of my funding bank’s complete statement! Account numbers, amounts, and way more other “honeypot” information. I guess I should just trust them because their UT based CSRs seem to make their ridiculous delays seem like routine checks. I actually gave them that full, sensitive copy of my bank statement, included my money to the penny, both account numbers, and more.
And then, this ridiculous company EMAILED ME THAT SENSITIVE INFORMATION FOR THE WORLD TO SEE! My full bank statement including account numbers and balances is now in the PUBLIC DOMAIN thanks to their incompetence. And to top it off, their CSRs just brushed off my concerns like I was too sensitive. Ugh.
I was told they gave all they need, and some security guy needs to look it over and finally unlock the account. Meanwhile, I see they have already TAKEN the substantial initial funding from my bank and now it’s locked in this “Raisin” account which they are still locking me out of- even to view! Essentially they have stolen my money, are preventing me from accessing or even seeing it, and pretending there is some sort of major “verification” problem they have to get through.
To top it off, I just received a ridiculous email from their CSR team claiming they are waiting for something from ME to “complete” their verification. Unbelievable.
At this point I’m ready to report their withdrawal from my bank as fraud, and also start reaching out to the NY Attorney General regarding what is seeming more and more like constructive fraud.
Response from developer
We are deeply concerned by the experience you’ve described and take your feedback regarding data security and account access with the utmost seriousness. Please be assured that protecting our customers' sensitive information is our top priority, and we sincerely apologize for the frustration and distress this situation has caused you. We would like to immediately investigate the circumstances surrounding the handling of your bank statement and the status of your account verification. To ensure your privacy and provide a direct resolution, please contact our senior Customer Advocacy Team as soon as possible at (844) 994-3276 or email us at complaints.us@raisin.com with the subject line "iOS App Review". Our team is committed to addressing the security concerns you raised and working toward a swift resolution regarding your funds and account access. We value your trust and appreciate the opportunity to make this right.
Yearly Review
Overall it’s been a decent app, and has improved greatly over this past two years.
One major problem I have is there’s no way to HIDE previous bank accounts, even with a long time zero balance.
I can see where this list could eventually become too much to navigate and I’ll cancel my account, and decide if it’s worth creating a new account or go somewhere else.
Please consider an option to HIDE zero balance accounts. Thank you!
Response from developer
Thank you for being a Raisin customer for the past two years! We are thrilled to hear that you’ve noticed the improvements we’ve made to the app during that time. We sincerely appreciate your candid feedback regarding the visibility of zero-balance accounts. We understand how a cluttered list of previous accounts can make navigation frustrating, and we want to ensure your experience remains seamless as you continue to save with us. Please know that your suggestion to add a "HIDE" feature for inactive accounts has been shared directly with our Product and Development teams. Feedback from long-term users like you is essential as we prioritize our future updates and feature enhancements. We value your business and hope to keep you as a member of the Raisin community for many more years. If you have any other suggestions or need further assistance, please feel free to reach out to us at support.us@raisin.com.
Going in the wrong direction
On top of all of these things, navigation is still unusually and painfully slow. Time is money and your company doesn’t seem to respect either. Ironic.
Response from developer
Thank you for being so candid with your feedback. We sincerely apologize that the latest update has made the app more difficult for you to navigate and use. We hear your concerns regarding the increased steps to access information, the font readability, and the overall navigation speed. Our goal was to modernize the interface, but it's clear from your experience that we created new friction points and eye strain instead. We are sharing your specific points about "information at a glance" and typography directly with our design and engineering teams to prioritize improvements. If you have any additional details to share, please reach out to us at support.us@raisin.com or (844) 994-3276. We value your time and are committed to making this right.
Useless App
Response from developer
Thank you for bringing this to our attention. We are sincerely sorry for the frustration and the inconvenience caused by the inability to cancel your scheduled transfer, as well as the resulting NSF fee from your external bank. This is certainly not the experience we want for our customers. To clarify the process, because Raisin acts as a platform facilitating transfers between various custodial banks, once a transfer is initiated, the ACH instructions are often automated and sent to the clearinghouse almost immediately to ensure the fastest possible processing time. This can sometimes create a window where the transaction cannot be intercepted or reversed by our team or the partner institution. However, we understand that "online scheduling" should ideally come with "online cancellation," and your feedback regarding this functionality is incredibly valuable. We are sharing your comments directly with our product and development teams as they work to improve our transfer management features. We would like to look into your specific case to see if there is anything we can do to assist further. Please contact us at (844) 994-3276 or email support.us@raisin.com so we can review the details of your transaction. Thank you for your patience and for holding us to a high standard.
