Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:07/15/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 7/15/25 I received 2 emails, a Beem account balance payment request and a debit card verification link failure for Beem. I was confused as I did not have any knowledge of the company Beem. I then downloaded the app, which to my suprise showed Apr 16, 2022 Everdraft fee: $54, Apr 27, 2022 - Jun 27, 2025 Subscription fee Dues: $90.36, May 2022-Aug 2022 Late fee Dues: $30. Regarding the debit card link failure, once I downloaded the app I did not add a debit card nor do I own a debit card ending in 7995 as the email stated. There are no bank accounts or cards linked to the account. I called ********************** customer service to request that the monthly subscription be canceled and the account be closed. The *** refused to cancel the subscription and the account. She said I needed to pay the balance due first or contact the authorities if I thought it was fraudulent. She hung up in my face and did not call me back. I called back multiple times and was transferred to voicemail each time. After that, I requested to waive the late fees in the app, which was granted. I am requesting that the fees be waived, the subscription be canceled, and the account be closed.

  Business Response

  Date: 07/24/2025

  Dear BBB team,

  We are writing in response to Complaint ID ********, concerning your billing-related concerns associated with your Beem (formerly known as Line) account.

  Service Overview and Initial Engagement:

  On March 28, 2022, the customer subscribed to our basic tier service plan after reviewing all plans and services accessible via those plans on our Line app(now known as Beem).

  Pattern of Service Usage: 

  On March 28, 2022, the user accessed *********, a feature within the subscribed bundle, to receive early access to a verified deposit of $50, choosing the bank instant transfer option. This transfer was facilitated via our partners. As stated in our Terms of Service, the early access amount is replenished when actual deposits arrive in the linked account. Accordingly, funds were replenished as they arrived in the user's account on April 2, 2022 respectively. Between March and April 2022, the user accessed ********* services 3 times, with the most recent withdrawal of $50 occurring on April 16, 2022. This particular balance remains outstanding as of July 2025, despite replenishment attempts. As an active subscription is required to maintain and attempt replenishment of any outstanding ********* balance, the users subscription has remained active from 2022 to the present.
  The account originally created on Line (now known as Beem) is associated with the same email address and phone number mentioned in this complaint. This indicates the users awareness of the ********* withdrawal of $50 made in April 2022, which has remained unpaid to date.

  We follow a robust and multi-layered verification process designed to protect our users and prevent fraudulent activity. Our security mechanisms include:
  Phone and email OTP verification to confirm account access and check possession of registered contact details
  Carrier information validation, matched against user-submitted ******** to verify mobile number ownership
  Bank account ownership verification to ensure that funds are linked to and accessed by the rightful account holder

  The customer's app activity logs show engagement with app and their awareness of our terms of service:
  March 23, 2022: First Line (now known as Beem) app open
  March 28, 2022: Subscribed to Basic Plan and accepted Terms of Service
  MarchApril 2022: Used ********* 3 times
  Following users subscription, the following usage was recorded:
  March 28, 2022: Accessed first ********* of $50; repaid on April 2, 2022
  April 8, 2022: Accessed second ********* of $50; repaid on April 14, 2022
  April 16, 2022: Accessed third ********* of $50; this amount remains outstanding till today

  Customer Access to Support: Throughout this period, our help section remained accessible through the app, providing:
  24/7 email support
  Direct phone support
  In-app help resources
  On July 15, 2025, the user contacted our support team and claimed no knowledge of the charges. Our team clarified that:
  The account was created in 2022 after completing verification
  The last ********* of $50 Via instant transfer was accessed on April 16, 2022 which is still unpaid
  The subscription remained active until July 2025, leading to accrued charges and notification of outstanding dues of $146.83

  Breakdown of current outstanding dues $146.83:
  $50 ********* amount
  $4 Instant Transfer Fee
  $92.83 Subscription fees (May 2022 to July 2025) 

  Service Model Clarification:

  Our business model is subscription-based, providing various financial services including early access to verified deposits. This is clearly communicated during signup through:
  Detailed terms of service
  Clear pricing displays
  Explicit subscription acknowledgments
  Transparent replenishment terms
  All charges were applied by our Terms of Service.
  Section 8.4 Subscription Fee
  Section 8.5 Late Fees for Non-Payment of Active Subscription
  These sections outline the recurring nature of the subscription and associated late fees, which the user agreed to at the time of enrollment. Also, the individual always had the option to cancel their subscription and close the account if they did not have any pending dues on their account. Our Terms of use (*******************************************) outline this process and are referenced in Section 8, Part 8.7:Closing a Beem account 

  Subscription Validation:

  The subscription charges remain valid as:
   The services remained continuously available to the user.
   The charges align with our Terms of Use, which the user agreed to upon signup.
   The subscription was required to maintain the outstanding ********* balance. 

  Fraud Concerns raised by the user:

  As previously explained, the account in question was created by the user in 2022, when ********************** operated under the name Line. This same account has remained active following the transition to the Beem app. The recent debit card verification email referenced by the user pertains to activity from 2022 and was automatically triggered to inform the user of the status of their debit card verification at that time. It is not related to any recent activity.
  The details used during sign-up such as the email address, phone number, and name match the information provided in this complaint. Since identity verification and account linking were successfully completed, the account appears to have been created with the users knowledge and consent.
  If the user suspects any unauthorized use of their personal information, we kindly request that they file a police complaint regarding the potential misuse and share a copy of the report with us. This will enable us to thoroughly investigate the matter on our end.
  To consider any waiver of the current outstanding dues, we would require a formal document or report confirming fraudulent activity. Once the user obtains the relevant information or documentation, they can reach out to us at ************************************** and we will be happy to review the case further and assist accordingly.

  We hope this provides the necessary clarification. Please let us know if any additional details are needed.

  Best regards,
  Beem Support Team

  Customer Answer

  Date: 07/24/2025

   
  Complaint: 23606265
  
  I am rejecting this response because:

  When I spoke with the customer service representative she did not make it known that Beem was formerly known as Line. If Beem was not Line in 2022 then yes I believed it to be fraudulent. Now that Im aware of the correlation, I did my own investigation. Please see the attached documents that supports the information provided below.
  

  Subject Line:
  Your Beem Subscription Expired Renew Now!

  Message:
  Your Beem subscription ended on 2022-04-27 12:11:16, and access to your exclusive benefits has been paused. Renew now to regain
  
  
  I have provided 3 emails that support this statement. According to these emails, Beem is aware that my subscription has expired/ended. I request that all claims made against me be waived.

  Sincerely,
  
  ***** ********

  Business Response

  Date: 07/25/2025

  Dear BBB Team, 

  We hope this message finds you well. 

  We are writing in response to Complaint ID ******** regarding billing concerns associated with the users Beem account (formerly Line).

  Regarding the email referenced by the user stating that the subscription had expired it was sent in error and may have caused some confusion. To clarify, this message was intended to convey that the benefits of the subscription were temporarily inactive due to pending dues. In order to resume features such as early access to verified deposit Everdraft access etc. the subscription must be in good standing without any unpaid balance. The users subscription had remained active previously as well, due to an open Everdraft balance, which per our policy requires an active subscription to maintain. 

  Service Model Clarification:

  Our business model is subscription-based, offering a range of financial services, including early access to verified deposits. This is clearly communicated during the signup process, and all charges were applied in accordance with our Terms of Use:
  Section 8.4 Subscription Fee
  Section 8.5 Late Fees for Non-Payment of Active Subscription
  These sections outline the recurring nature of the subscription and associated late fees, which the user agreed to at the time of enrollment.
  Additionally, users have the option to cancel their subscription and close their account, provided there are no pending dues. This is outlined in Section 8.7 Closing a Beem Account of our Terms of Use.
  The subscription charges remain valid because:
  The services continued to be available to the user throughout.
  The charges are consistent with our Terms of Use, which the user accepted at the time of sign-up. 

  Resolution on Outstanding Dues: 

  At present, there is an open Everdraft balance of $54 on the users account for the Everdraft taken on April 16, 2022 and this balance needs to be cleared from the user's end.
  As a one time exception, we are open to waiving the remaining subscription dues on the account ($92.83). To proceed with this, we kindly request the users confirmation and willingness to settle the valid Everdraft balance of $54. Once we receive the users acknowledgment, we will be happy to initiate the waiver process accordingly.

  Please feel free to reach out if there are any questions or if further clarification is needed were here to help.

  Best regards,
  Beem Support Team

  Customer Answer

  Date: 07/25/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** ********

• Initial Complaint

  Date:07/15/2025

  Type:Sales and Advertising Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I downloaded this app back in 2022, hoping they could assist me with some extra cash when in need. Upon signing up, they offered me $20, which unfortunately wasn't sufficient at the time. Feeling a bit disappointed with the amount, I decided to close the app on my phone. Fast forward to recent times, I came across emails saying I had a balance due and to pay my dues triggering my memory. I was puzzled by the $436.22 balance and decided to reach out to the company via phone and email for clarification. It took 4 different calls before I was able to get in contact with a person. I requested my account to be closed but was informed that I needed to pay the full balance in order to do so. I even checked the transactions on their website, but nothing showed up. Additionally, I noticed that I was being charged $2.47 monthly along with a $5 non-payment fee. It's unclear why they are hesitant to close the account.

  Business Response

  Date: 07/25/2025

  Dear BBB Team,  

  This email is about Complaint ID ********, regarding a user's concern related to subscription billing and outstanding dues associated with their Beem account. 

  Subscription Start Date: May 04, 2022 Last Everdraft Taken: May 04, 2022 $50 (via instant transfer to the users linked debit card)
   Partial Payment Received: $43.70 in July 2022
   Current Outstanding Balance: $421.22
   Everdraft Usage: 1 instance  

  Outstanding Balance Breakdown: 

  Everdraft dues: $8.30
  Subscription charges: $412.92
  $9.97/month from August 2022 to January 2024 (18 months): $179.46
  $12.97/month from February 2024 to July 2025 (18 months): $233.46
  The user subscribed to ********************** (formerly Line) on May 4, 2022, agreeing to our terms and activating the subscription by making the first payment of $9.97. Immediately thereafter, the user accessed $50 via our early access to verified deposit feature, Everdraft.
  Between August 2022 and June 2025, we made 28 email attempts and 5 SMS notifications to inform the user of the unpaid balance and encourage resolution.

  User Activity History: 

  First app opened: February 9, 2022
  Linked bank account: February 9, 2022
  Subscription agreed and activated: May 4, 2022
  Everdraft withdrawal: $50 on May 4, 2022
  Last interaction with support team on call : June 16, 2025, user requested account closure by requesting a fees waiver
  We responded to the user's request, clarifying that as there was no prior cancellation request, the subscription remained active and valid per our terms. Account cancellation requires dues to be cleared either via the app or by contacting support. 

  Service Model Clarification: 

  Our business model is subscription-based, providing various financial services including early access to verified deposits. This is clearly communicated during signup through:
  Detailed terms of service
  Clear pricing displays
  Explicit subscription acknowledgments
  Transparent replenishment terms
  All charges were applied in accordance with our Terms of Use.
  Section 8.4 Subscription Fee
  Section 8.5 Late Fees for Non-Payment of Active Subscription
  These sections outline the recurring nature of the subscription and associated late fees, which the user agreed to at the time of enrollment. Also, the individual always had the option to cancel their subscription and close the account if they do not have any pending dues on their account. Our Terms of use (*******************************************) outline this process, and is referenced in Section 8, Part 8.7:Closing a Beem account 

  Subscription Validation:

  The subscription charges remain valid as:
   The services remained continuously available to the user.
   The charges align with our Terms of Use, which the user agreed to upon signup.
   The subscription was required to maintain the outstanding Everdraft balance. 

  Resolution Offered: 

  To resolve this matter amicably and as a one-time exception, we have waived the full subscription fee of $412.92. The user is now required to pay only the Everdraft balance of $8.30, which can be settled via the Beem app or through this link: ****************************************************

  Once the balance is cleared, the user may cancel the subscription directly from the app or by contacting our support team. 

  We hope this clarifies the matter fully. Please let us know if any further documentation or information is required.

  Best regards,
  Beem Support

  Customer Answer

  Date: 07/25/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. I have paid the fee and canceled my subscription as of now.
  
  Sincerely,
  
  ******** *********

• Initial Complaint

  Date:07/14/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On July 10th I downloaded an app on my phone called Beem , I was in desperate need for an instacash payday advance as I was running low on money and needed some immediate funds before my next pay day on July 18th. I went through all the prompts on the Beem app and low and behold they withdrew money from my bank account on 3 separate transactions one for $0.57 the another for $80.51 and another for $15. I tried to call merchant to demand a refund as they took $95.91 out of bank account leaving me only with $20! The merchant sounded like they were under water to was hard to hear them clearly on the phone and they refused to give me a refund and reserve the charges, They stated it was for a subscription fee but I never once used this app before July 10th. Beem sent me an email stating this was from 2022 and they used to be known as Line which is super deceptive to me. I do not believe I owe $95.91 for a subscription on a service I never once used before and even if I did they should notify and get permission from me before just taking money out of my bank account. Now I have no way to feed my family for the next few days because they stole the last $95.51 out of my bank account. I am demanding immediate refund and to warn other people of the shadiness of this app before anyone else downloads it and falls victim to them withdrawing money from bank accounts with authorization. I have contacted my bank to have them blocked and disputed transactions.

  Business Response

  Date: 07/24/2025

  Dear BBB Team, 

  This email is about Complaint ID ********, regarding a user's concerns related to billing associated with their Beem (formerly Line) account.

  Service Overview and Initial Engagement:

  On June 23, 2022, the customer subscribed to our basic tier service plan after reviewing all plans and services accessible via those plans on our Line app(now known as Beem).

  Pattern of Service Usage:

  On June 23, 2022, the user accessed *********, a feature within the subscribed bundle, to receive early access to a verified deposit of $20, choosing the Debit card Transfer option. This transfer was facilitated via our partners. As stated in our Terms of Use, the early access amount is replenished when actual deposits arrive in the linked account. Accordingly, funds were replenished as they arrived in the user's account on June 29, 2022 respectively. Between June and September 2022, the user accessed ********* services 7 times, with the most recent withdrawal of $20 occurring on September 2, 2022. This particular balance remains outstanding as of July 2025, despite multiple replenishment attempts. As an active subscription is required to maintain and attempt replenishment of any outstanding ********* balance, the users subscription has remained active from 2022 to the present. 

  The customer's app activity logs show engagement with app and their awareness of our terms of service:

  June 23, 2022: First Line App Open (now known as Beem)
  First Line App Open  June 23, 2022, ***** PM
  Linked bank account June 23, 2022, 1.41 PM
  Subscription Date: June 23, 2022
  Agreed to subscription Terms & Clicked I Accept and Subscribe at 1:47 PM and subscribed successfully.
  Payment of $1.97 subscription fees was successful
  Successfully entered $20 on the withdrawal screen and withdrew $20 towards their Debit card.
  Between June 23, 2022, to September  02, 2022, the user accessed the ********* cash feature on 7 occasions.

  Customer Access to Support: Throughout this period, our help section remained accessible through the app, providing:
  24/7 email support
  Direct phone support
  In-app help resources 

  On July 10, 2025, the user first contacted our support team, inquiring about the subscription amount which was debited from their account for the pending balance and claimed they had not used the services. Our representative explained that:
  The account was created in 2022.
  The user had accessed an ********* of $20 on June 23, 2022
  The subscription remained active until July 2025, leading to accrued charges and replenishment of $95.51 from the users linked bank account.
  Breakdown of $95.51 replenishment is as below:
  Subscription Charges: $80.51
  (Monthly fee of $1.97 from September 2022 to December 2023 and $2.47  from January 2023 to July 2025   months)
  Late Fees: $15.00 

  We would like to clarify that the core subscription fees remained valid throughout as:
  The service remained continuously available
  The customer maintained active app engagement
  All charges align with our terms of service
  The subscription was required to maintain the outstanding ********* balance (for Sep 2022 $20 open *********)

  Service Model Clarification: Our business model is subscription-based, providing various financial services including early access to verified deposits. This is clearly communicated during signup through:
  Detailed terms of service
  Clear pricing displays
  Explicit subscription acknowledgments
  Transparent replenishment terms
  All charges were applied by our Terms of Use.
  Section 8.4 Subscription Fee
  Section 8.5 Late Fees for Non-Payment of Active Subscription
  These sections outline the recurring nature of the subscription and associated late fees, which the user agreed to at the time of enrollment. Also, the individual always had the option to cancel their subscription and close the account if they did not have any pending dues on their account. Our Terms of use (*******************************************) outline this process and are referenced in Section 8, Part 8.7:Closing a Beem account

  Subscription Validation:
  The subscription charges remain valid as:
   The services remained continuously available to the user.
   The charges align with our Terms of Use, which the user agreed to upon signup.
   The subscription was required to maintain the outstanding ********* balance. 

  Current Status:  While all subscription charges are valid, we have made a one-time exception and issued a refund as user had limited app engagement. After adjusting the open ********* dues of $24 (including instant transfer fees), a total of $71.51 has been refunded. The amount should reflect in the users account within 35 business days, depending on their banks processing timelines. 

  We hope this provides the necessary clarification. Please let us know if any additional details are needed.

  Best regards,
  Beem Support Team 

  Customer Answer

  Date: 07/24/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me ALSO REQUESTING THAT THEY CANCEL ANY SUBCRIPTIONS/ MEMBERSHIPS IMMEDIATLEY!!
  
  Sincerely,
  
  ***** ******

• Initial Complaint

  Date:07/11/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Beem has been charging me monthly subscription fees for a service I have not used in over two years. When I tried to cancel, I was told I must first pay the full balance of ****** dollars. Only ***** of that reflects actual ********* use. The rest is subscription fees and late charges for a service I have not used. I contacted support multiple times and was told that I cannot cancel unless I pay the entire balance. This creates a cycle where I continue to be charged simply because I cannot pay to cancel. I find this completely unfair and deeply distressing. I feel powerless to stop charges for something I do not want, do not use, and cannot afford to pay off in full just to end. Each month the amount increases and I am stuck. This has caused me real stress and financial hardship. I should not be forced to keep paying for something I have repeatedly tried to cancel. I have learned that I am not the only person this has happened to. Others have reported similar issues with being unable to cancel unless they pay for months or even years of unused subscription fees. I believe this practice needs to be reviewed. It does not seem like a fair or customer focused policy. I am not refusing to pay for what I actually used, which is the ***** in ********* services. I am refusing to pay hundreds of dollars for a subscription I have not accessed or used in years. I respectfully ask that Beem cancel my subscription immediately, stop all future billing, and waive the subscription portion of the balance. I should not be charged for ongoing services I am not using and have clearly tried to cancel. I want my account closed and confirmation that I will not be billed again.

  Business Response

  Date: 07/21/2025

  Dear BBB Team, 

  This email is in reference to Complaint ID  ********, regarding a Beem users concern related to billing. 

  Subscription Start Date: March 07, 2022
  The user has been an active subscriber since March 07, 2022, and utilized the Everdraft featurea service that provides early access to verified depositsas part of their subscription. In total, the user accessed Everdraft on two occasions.

  Total Outstanding Balance: $489.47
  Breakdown of Charges: 
  Everdraft: $16.64
  Subscription Charges: $9.97/month from May 2022 to January 2024 (21 months) = 21*9.97= $209.37 and $12.97 from February 2024 to July 2025 (18 months = 18*$12.97 = $ 233.46)
  Late Fees: $30 

  Between March 2022 and July 2025, we sent 53 emails, 11 SMS messages, regarding the outstanding balance and collection updates.
  The user contacted our support team on July 02, 2025, requesting cancellation of the subscription and a waiver of the outstanding dues. Our team responded to explain that the charges were valid, as no prior cancellation request had been made. The user was advised to clear the outstanding balance to proceed with canceling the subscription through the app. 

  All charges were applied in accordance with our Terms of Use:
  Section 8.4 Subscription Fee
  Section 8.5 Late Fees for Non-Payment of Active Subscription
  These sections outline the recurring nature of the subscription and associated fees, which the user agreed to upon enrollment. 

  Having said that, although the user had outstanding ********* dues dating back to 2022, there has been minimal usage of the app between 2022 and 2025. Considering this, we have decided to waive the following charges as a one-time exception. 
  Subscription Fees: $442.82
  Late Fees: $30
  Total Waived Amount: $472.82 

  The user needs to pay $16.64 for outstanding Everdraft dues, and the payment can be made via the following link: ************************************************************ directly through the Beem app. Once this balance is cleared, the user may cancel the subscription in-app or by contacting our support team. 

  We hope this provides the necessary clarification. Please let us know if any additional details are needed. 

  Best regards,
  Beem Support Team

• Initial Complaint

  Date:07/08/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am filing a complaint against Beem (formerly Line) regarding unfair billing practices that have accumulated $256.56 in charges I believe are unjustified. I was randomly charged this amount and have not use this service in years. They said I have racked up the following $155.64 for the active subscription on the account.$72.95 for the withdrawal that was taken,$15.00 as a late fee for the unpaid subscription, and $12.97 for the advanced subscription applied toward the upcoming month This appears to be a pattern with this company - charging customers who believed they cancelled their subscriptions, accumulating fees for unused services, and creating a trap where customers cannot stop additional charges without paying disputed amounts first. I am requesting that Beem waive all subscription fees ($155.64), the late fees ($15) and advance for next subscription ($12.97) as a goodwill gesture, similar to resolutions they've provided other customers in identical situations, and allow me to pay only the legitimate $72.95 cash advance balance I actually owe, after which I will immediately cancel my account.

  Business Response

  Date: 07/18/2025

  Dear BBB Team, 

  This email is in reference to Complaint ID ********, regarding a user's concerns related to billing associated with their Beem (formerly Line) account. 
  Service Overview and Initial Engagement: On April 5, 2022, the customer subscribed to our Pro tier service plan after reviewing all plans and services accessible via those plans on our Line app(now known as Beem). 

  Pattern of Service Usage:
  On April 5, 2022, the user accessed Everdraft, a feature within the subscribed bundle, to receive early access to a verified deposit of $35, choosing the Debit card Transfer option. This transfer was facilitated via our partners. As stated in our Terms of Use, the early access amount is replenished when actual deposits arrive in the linked account. Accordingly, funds were replenished as they arrived in the user's account on April 27, 2022, respectively. In total the user took 147 Everdraft withdrawals between 2022 to 2025 

  Replenishment and Communication Efforts:
  As the user subscription has remained active since April 5, 2022. Our system made 149 documented attempts to replenish funds related to their subscription fees and ********* outstanding from the customer's linked bank account between April 2022 and July 2025. We triggered alerts on the pending balance to the customer account. However, all replenishment attempts from our end were unsuccessful until July 2025.
  Between April 05, 2022, and July 5, 2025, the user engaged with multiple sections of the Beem app and received in-app prompts regarding their outstanding balance for the Everdraft feature.

  The customer's app activity logs show engagement during this period:
  February 28, 2022:
  First Line App Open (now known as Beem) on February 28, 2022, 6.26 PM
  Linked bank account on 28 February, 2022 6:28 PM
  Explored multiple sections of the app on February 28, March 7 and April 4, 2022
  April 05, 2022(Subscription Date)-
  Agreed to subscription Terms & Clicked I Accept and Subscribe at 2:13:12 PM
  Payment of $9.97 subscription fees was successful
  Successfully entered $35 on the withdrawal screen and withdrew $35 towards their Debit card.
  Between April 05, 2022, to June 18, 2024, the user accessed the Everdraft cash feature multiple times.
  June 18, 2024:
  The user again came back to the app and chose $75 to withdraw, and it was successful.
  April 2025:
  Viewed Pending Dues screen at 06:12:34 PM
  Clicked Ill do this later on dues screen at 06:12:37 PM
  Please note after knowing about pending subscription dues the user neither reached out to the support team nor attempted to cancel their subscription.
  After the users BBB complaint regarding the services and charges on July 8, 2025, we noted that an Everdraft cash advance of $75 was taken by the user towards their bank account on July 10, 2025, at 5:20 PM. This indicates continued use of the app and its features. Given that the services were utilized, we will not be able to issue a refund, including for the advance subscription fees
  Customer Access to Support: Throughout this period, our help section remained accessible through the app, providing:
  24/7 email support
  Direct phone support
  In-app help resources
  On July 8, 2025, the user first contacted our support team, inquiring about the subscription amount which was debited from their account for the pending balance and claimed they had not used the services. Our representative explained that:
  The account was created in 2022.
  The user had accessed an Everdraft of $35 on April 05, 2022 
  The subscription remained active until July 2025, leading to accrued charges and replenishment of $256.56 from users linked bank account.
  Breakdown of $256.56 replenishment is as below:
  Everdraft cash advance : $70.95
  Subscription Charges: $155.64
  (Monthly fee of $12.97 from June 2024 to July 2025 12 months)
  Late Fees: $15.00 

  Between October 2022 and July 2025, we sent the user a total of 92 emails and 57 SMS messages regarding their outstanding balance and related replenishment updates.
  We would like to clarify that the core subscription fees remained valid throughout as:
  The service remained continuously available
  The customer maintained active app engagement
  All charges align with our terms of service
  The subscription was required to maintain the outstanding Everdraft balance (for June 2024 $75 open Everdraft) 

  Service Model Clarification: Our business model is subscription-based, providing various financial services including early access to verified deposits. This is clearly communicated during signup through:
  Detailed terms of service
  Clear pricing displays
  Explicit subscription acknowledgments 

  
  Transparent replenishment terms
  When customers maintain outstanding Everdraft balances, we continue providing service access while attempting replenishment, incurring operational costs throughout this period. This ongoing service provision justifies the subscription fees charged during the period of outstanding balance. 

  
  All charges were applied in accordance with our Terms of Use.
  Section 8.4 Subscription Fee
  Section 8.5 Late Fees for Non-Payment of Active Subscription
  These sections outline the recurring nature of the subscription and associated late fees, which the user agreed to at the time of enrollment. Also, the individual always had the option to cancel their subscription and close the account if they do not have any pending dues on their account. Our Terms of use (*******************************************) outline this process, and is referenced in Section 8, Part 8.7:Closing a Beem account 

  Subscription Validity
  The subscription charges remain valid as:
   The services remained continuously available to the user.
   The charges align with our Terms of Use, which the user agreed to upon signup. 

   The subscription was required to maintain the outstanding Everdraft balance. 

  Current Status: As previously explained, since the user had an outstanding Everdraft balance from June 2024, an active subscription was required to maintain that balance and facilitate replenishment attempts. The recent replenishment of $256.56 was processed in accordance with policy and remains valid. Therefore, we regret that we are unable to issue a refund for the same.
  The user currently has an outstanding Everdraft balance of $77 (including a $2 instant transfer fee) from their most recent withdrawal on July 10, 2025. As per our policy, an active subscription is required to maintain this outstanding balance and hence we cannot cancel the users subscription at the moment. Once the dues are cleared, the user will be able to cancel their subscription directly through the app. 

  We maintain that all charges were legitimate, properly disclosed, and in accordance with our terms of service. Our extensive documentation and consistent communication efforts demonstrate our commitment to transparent and fair business practices. 

  We hope this provides clarity, and we're here to support with any further assistance needed. 

  Best regards,
  Beem Support Team

  
  

  Customer Answer

  Date: 07/18/2025

   
  Complaint: 23573534
  
  I am rejecting this response because your customer service team didnt answer any of my inquiries after initial contact. Furthermore I am attaching proof that my banking information was no longer shared with been under privacy right as of 2023 and emails from the company stating my subscription had expired. The company should not be stating the subscription has expired if they are going to continue to charge for services, especially when they are not used. I am not satisfied with the response and request a full refund of all subscription over charges
  
  Sincerely,
  
  ***** ******

  Business Response

  Date: 07/25/2025

  Dear BBB Team, 

  This email is in reference to Complaint ID ********, regarding a user's concerns related to billing associated with their Beem (formerly Line) account.

  When the user subscribed to our plan, they agreed to our Terms of Service, which clearly outline that Beem is authorized to deduct outstanding dues from the linked bank account including subscription and ********* dues. The user never revoked this access, and even if access had been revoked, the user remains liable for any dues as agreed during sign-up.
  Regarding the email referenced by the user stating that the subscription had expired it was sent in error and may have caused some confusion. To clarify, this message was intended to convey that the benefits of the subscription were temporarily inactive due to pending dues. In order to resume features such as early access to verified deposit Everdraft access, Job Loss and ******************** Protection, Identity Theft Protection etc. the subscription must be in good standing without any unpaid balance. 

  Additionally, if the subscription had truly expired, the user would not have been able to access key benefits. For example, the user successfully withdrew $75 on July 10, 2025, which occurred after the BBB complaint was submitted on July 8, 2025 indicating that the subscription was still active at that time. The users subscription had remained active previously as well, due to an open Everdraft balance, which per our policy requires an active subscription to maintain. 

  As of now, the user still has an outstanding Everdraft balance of $77 (including a $2 instant transfer fee) from the July 10 withdrawal.
  That said, as a one-time exception, we have decided to refund the subscription fees which were replenished from the user's bank account. We have processed a refund of $93.64 back to the users bank account. This refund has been issued after adjusting for the current outstanding ********* dues.
  For clarity, the original replenishment amount of $256.56 was applied toward the following:
  $155.64 Subscription outstanding
  $72.00 Prior Everdraft outstanding
  $15.00 Subscription Late fees
  $12.97 Advance subscription fees
  Given that the user accessed subscription benefits on July 10, we are unable to refund the advance subscription fees of $12.97.

  Refund Calculation:

  Out of the total $256.56 which the user has paid, heres how the refund of $93.64 has been calculated:
  Users subscription replenishment of $170.64, included:
  $155.64 for subscription charges
  $15.00 for late fees
  From this, we have deducted $77.00, which is their current outstanding Everdraft balance (including the $2 instant transfer fee from your July 10, 2025 withdrawal).
  Final refund = $170.64 $77.00 = $93.64
  This amount will reflect in user's bank account within 35 business days, depending on their banks processing time.

  We hope this clarifies the matter fully. Please let us know if any further documentation or information is required.

  Best regards,
  Beem Support

  Customer Answer

  Date: 07/25/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** ******

• Initial Complaint

  Date:07/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have a complaint against the Beem app.Ive never used this app or have any use for this app.They claim that Ive had a subscription since may 2022.Beem illegally took 91 dollars out of my account and said its for unpaid dues.This company is definitely dealing in unethical practices and outright lying to get money.

  Business Response

  Date: 07/11/2025

  Dear BBB Team,
  
  This email is in reference to Complaint ID ********, regarding a user's concerns related to billing associated with their Beem (formerly Line) account.
  
  Service Overview and Initial Engagement: On September 30, 2022, the customer subscribed to our basic tier service plan after reviewing all plans and services accessible via those plans on our Line app(now known as Beem).
  
  Pattern of Service Usage: 
  On September 30, 2022, the user accessed Everdraft, a feature within the subscribed bundle, to receive early access to a verified deposit of $30, choosing the bank Transfer option. This transfer was facilitated via our partners. As stated in our Terms of Use, the early access amount is replenished when actual deposits arrive in the linked account. Accordingly, funds were replenished as they arrived in the user's account on October 13, 2022 respectively. After this replenishment as well the users subscription remained active until July 2025.
  
  Replenishment and Communication Efforts: 
  As the user subscription remained active since September 30, 2022. Our system made 27 documented attempts to replenish funds related to their subscription fees from the customer's linked bank account between October 2022 and July 2025. We triggered alerts of the pending balance to the customer account. However, all replenishment attempts from our end were unsuccessful until July 2025
  
  Between June 21, 2022, and July 5, 2025, the user engaged with multiple sections of the Beem app and received in-app prompts regarding their outstanding balance for the Everdraft feature. 
  
  The customer's app activity logs show engagement during this period:
  
  June 21, 2022: First Line App Open (now known as Beem)
  First App Open at 6:31:28 PM
  Verified the given phone number at 6:32:59 PM
  Entered Email OTP and verified Email between 6:33:30 PM to 6:33:32 PM
  Linked bank account at 6:33:44 PM
  
  July 16, 2022
  Returned back to the app and explored multiple section of the app including qualification for early access to verified deposit Everdraft feature between 10:09:40 PM to 10:21:31 PM
  
  Explored multiple sections of app on July 17, August 7, September 5, September 27, and September 29, 2022
  
  September 30, 2022 (Subscription Date):
  Agreed to subscription Terms & Clicked I Accept and Subscribe at 1:43:12 AM
  Payment of $1.97 subscription fees was successful at 1:43:25 AM and Opened Subscription Successful screen at 1:43:29 AM
  Successfully entered $30 on withdraw screen and withdrew $30 at 1:44:34 AM towards their bank account
  
  October 13, 2022:
  Replenishment of $30 Everdraft balance was successful
  
  October 15, 2022:
  User again came back to the app and chose $30 to withdraw however due to technical issue at users banks end the withdrawal was unsuccessful
  User then had regular app engagement in the month of October 2022 and tried adding debit card, and also tried withdrawing the available Everdraft of $30
  
  User came back to the app on November 6, 2022 and explored multiple sections of app and during this time subscription remained active and fees were accumulating and none of our replenishments were successful
  
  March 24, 2024:
  User downloaded and came back to ********************** app (formerly known as Line)
  Verified email (same as given in BBB complaint) at 10:32:39 AM
  Explored Everdraft and other features of app between 10:32:56 AM to 10:34:42 AM
  
  December 7, 2024:
  User opened the ********************** app at 4:44:25 PM and completed phone verification via OTP
  Opened Pending Dues Screen at 4:47:33 PM
  Click Back button on Dues screen at 4:47:43 PM
  Explored our partner product between 4:48:01 PM to 4:48:41 PM
  
  Please note that after becoming aware of the pending subscription dues on December 7, 2024, the user did not reach out to our support team or initiate a cancellation of their subscription.
  
  January 24, 2025:
  Opened app at 10:25:29 AM
  Verified phone number at 10:26:03 AM
  Explored multiple sections of app
  
  May 10, 2025: Explored our partners personal loan feature and other aspects of our app
  
  Customer Access to Support: Throughout this period, our help section remained accessible through the app, providing:
  24/7 email support 
  Direct phone support
  In-app help resources
  
  On July 2, 2025, the user first contacted our support team, inquiring about the subscription amount which was debited from their account for the pending balance and claimed they had not used the services. Our representative explained that:
  The account was created in 2022.
  The user had accessed an Everdraft of $30 on September 30, 2022
  The subscription remained active until July 2025, leading to accrued charges and replenishment of $91.57 from users linked bank account.
  
  On July 6, 2025, the user contacted again and asked us to remove their email address from our communication database. The request was honored on the same day.
  
  Breakdown of $91.57 subscription charges replenishment is as below:
  Subscription Charges: $76.57
  (Monthly fee of $2.47 (user had subscribed at $1.97 which was later upgraded to $2.47) from November 2022 to June 2025 31 months)
  Late Fees: $15.00
  Total: $91.57
  
  Between October 2022 and July 2025, we sent the user a total of 107 emails and 87 SMS messages regarding their outstanding balance and related replenishment updates.
  
  We would like to clarify that the core subscription fees remained valid throughout as:
  The service remained continuously available
  The customer maintained active app engagement
  All charges align with our terms of service
  
  Service Model Clarification: Our business model is subscription-based, providing various financial services including early access to verified deposits. This is clearly communicated during signup through:
  Detailed terms of service
  Clear pricing displays
  Explicit subscription acknowledgments
  Transparent replenishment terms
  
  All charges were applied in accordance with our Terms of Use. 
  Section 8.4 Subscription Fee
  Section 8.5 Late Fees for Non-Payment of Active Subscription
  
  These sections outline the recurring nature of the subscription and associated late fees, which the user agreed to at the time of enrollment. Also, the individual always had the option to cancel their subscription and close the account if they do not have any pending dues on their account. Our Terms of use (*******************************************)  outline this process, and is referenced in Section 8, Part 8.7:Closing a Beem account
  
  The subscription charges remain valid as:
  ************ remained continuously available to the user.
  The charges align with our Terms of Use, which the user agreed to upon signup.
  
  The user's ********************** subscription has now been cancelled, and their account has been closed. We confirm that no further charges will be made to their account.
  
  We maintain that all charges were legitimate, properly disclosed, and in accordance with our terms of service. Our extensive documentation and consistent communication efforts demonstrate our commitment to transparent and fair business practices.
  
  We hope this provides clarity, and we're here to support with any further assistance needed.
  
  Best regards,
  Beem Support Team
  

• Initial Complaint

  Date:06/17/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I downloaded this app a few years back, hoping they could assist me with some extra cash when in need. Upon signing up, they offered me $20, which unfortunately wasn't sufficient at the time. Feeling a bit disappointed with the amount, I decided to close the app on my phone. Fast forward to recent times, I came across the app on my phone and decided to open it, triggering my memory. I was puzzled by the $103.95 balance and decided to reach out to the company via phone and email for clarification. I requested my account to be closed or sent to collections, but was informed that I needed to pay the full balance in order to do so. I even checked the transactions on their website, but nothing showed up. Additionally, I noticed that I was being charged $2.47 monthly along with a $5 non-payment fee. It's unclear why they are hesitant to send this account to collections and close it for good. Past months July 2022-June 2025 $2.47 monthly charge total $81.48. Late fee July 2022-Oct 2022 $20.00.

  Business Response

  Date: 06/20/2025

  Dear BBB Team, 

  This email is in reference to Complaint ID ********, regarding a Beem users concern related to billing.

  Subscription Start Date: June 19, 2022
  The user has been an active subscriber of ********************** (formerly Line) since June 19, 2022
  Total Outstanding Balance: $103.95

  Breakdown of Charges:
  Subscription Charges: $1.97/month from August 2022 to November 2022 (5 months) = $1.97*5= $9.85 and $2.47 from December 2022 to May 2025 (31 months = 31*$2.47= 76.57
  Late Fees: $20 (July 2022 to October 2022)
  Between July 2022 and June 2025, we sent 8 emails, 5 SMS regarding the outstanding balance and collection updates.  

  The user contacted our support team on June 17, 2025, requesting cancellation of the subscription and a waiver of the outstanding dues. Our team responded to explain that the charges were valid, as no prior cancellation request had been made. The user was advised to clear the outstanding balance to proceed with canceling the subscription through the app.

  All charges applied are valid and in accordance with our Terms of Use:
  Section 8.4 Subscription Fee
  Section 8.5 Late Fees for Non-Payment of Active Subscription
  These sections outline the recurring nature of the subscription and associated fees, which the user agreed to upon enrollment.

  That said, as a gesture of goodwill, we have waived the following:
  Subscription Fees: $86.42
  Late Fees: $20
  Total Waived Amount: $106.42 

  The users Beem subscription is cancelled and closed.

  We hope this provides the necessary clarification. Please let us know if any additional details are needed.

  Best regards,
  Beem Support Team

  Customer Answer

  Date: 06/23/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******* ********

• Initial Complaint

  Date:06/11/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In 2022, I signed up for the app called Line at the time. I received an advance and paid it back. I later cancelled my account and deleted the app, so I thought at least. 3 years later, I started receiving emails saying that not only am i subscribed, but they someone upgraded my plan and have been charging me without my knowledge for 3 YEARS! Ive tried numerous times to delete my account, but they try to require me to pay for years of a subscription I never signed up for, and they just continue billing me. Their customer service is absolutely no help, and the situation has become increasingly frustrating. They wont even let me remove my bank information.

  Business Response

  Date: 06/19/2025

  Dear BBB Team, 

  This email is in reference to Complaint ID ******** regarding a Beem users concern related to subscription billing and outstanding dues.

  Subscription Start Date: May 30, 2022
  Last Everdraft Taken: October 6, 2022 $125 (via instant transfer to the debit card linked to the users bank account)
  Total Outstanding Balance: $509.04 

  The user has been an active subscriber of ********************** (formerly Line) since May 30, 2022, and utilized the Everdraft featurea service that offers early access to verified depositsas part of our bundled subscription. In total, the user accessed Everdraft Seventeen times.

  
  Breakdown of Charges:

  Everdraft: $125 (advance) + $2 (instant transfer fee) = $127
  Subscription Charges:$9.97/month from October 2022 to January 2024 (16 months) = $159.52

   $12.97/month from February 2024 to May 2025 (16 months) = $207.52

  Total Subscription Fees: $367.04
  Late Fees: $15

  Between September 2022 and June 2025, we made multiple attempts to contact the user regarding the outstanding balance, including:
  28 emails and 5 SMS notifications. 
  
  On June 11, 2025, the user contacted our support team to request account closure without settling the balance. Our team responded by clarifying that the charges are valid, as there was no prior cancellation request on record. The user was advised that clearing the outstanding balance is required before proceeding with cancellation via the Beem app. 
  
  All charges were applied in accordance with our Terms of Use:
  Section 8.4 Subscription Fee
  Section 8.5 Late Fees for Non-Payment
  
  These sections clearly outline the recurring nature of subscription charges and the applicable fees, which the user acknowledged upon enrolling in our services. When customers maintain outstanding ********* balances, we continue providing service access while attempting replenishment, incurring operational costs throughout this period. This ongoing service provision justifies the subscription fees charged during the period of outstanding balance. 

  As a gesture of goodwill and in the spirit of resolving the matter amicably, we have waived the following:
  Subscription Fees: $367.04
  Late Fees: $15
  Total Waived: $382.04
  
  The user needs to pay only $127 (for Everdraft Of $125 and $2 instant transfer fee) and the payment can be made via the following link: **************************************************** or directly through the Beem app. Once this balance is cleared, the user may cancel the subscription in-app or by contacting our support team. 

  We hope this provides full clarity on the matter. Please let us know if any further details are required.

  Best regards,
  Beem Support Team

  
  

• Initial Complaint

  Date:06/10/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am filing this complaint against Beem regarding unauthorized charges and an inability to cancel a service I never knowingly signed up for.I was unaware of having any account or subscription with Beem until I noticed unauthorized charges being withdrawn from my bank account. I have not knowingly signed up for any services, and I have not conducted any business with this company. The oldest email (attached) looks like they offered loans. But I have not received a loan from this organization. When I attempted to cancel what appears to be a subscription, I was informed that I could not cancel unless I paid additional fees. This is unacceptable and appears to be a predatory billing practice. Despite not using any service, the amount they claim I owe continues to increase.I have reached out to Beem but have been unable to cancel the charges or resolve the situation. I believe this company is engaging in unethical business practices by making it deliberately difficult to cancel and continuing to charge for unwanted services.I am requesting a full refund of all unauthorized charges, and I want any associated accounts closed permanently. I also ask that Beem stop all attempts to charge me further.Thank you for your assistance.

  Business Response

  Date: 06/18/2025

  Dear BBB Team, 

  This email is in reference to Complaint ID ********, regarding a Beem users concern related to billing.

  Subscription Start Date: February 24, 2022
  Last Everdraft Taken: March 2, 2023 $24 via instant transfer to the debit card associated with the users linked bank account. The user repaid this amount on July 31, 2023.

  The user has been an active subscriber of ********************** (formerly Line) since February 24, 2022, and utilized the Everdraft featurea service that provides early access to verified depositsas part of our bundled subscription. In total, the user accessed Everdraft seventeen times. 

  Total Outstanding Balance: $69.34
   Breakdown of Charges:
  Subscription Charges: $2.47/month from August 2023 to May 2025 (22 months) = $54.34
  Late Fees: $15 

  Between July 2022 and June 2025, we sent 115 emails, 115 SMS messages, and 24 in-app notifications regarding the outstanding balance and collection updates.
  The user contacted our support team on June 10, 2025, requesting cancellation of the subscription and a waiver of the outstanding dues. Our team responded to explain that the charges were valid, as no prior cancellation request had been made. The user was advised to clear the outstanding balance to proceed with canceling the subscription through the app.

  All charges were applied in accordance with our Terms of Use:
  Section 8.4 Subscription Fee
  Section 8.5 Late Fees for Non-Payment of Active Subscription
  These sections outline the recurring nature of the subscription and associated fees, which the user agreed to upon enrollment.

  That said, as a gesture of goodwill, we have waived the following:
  Subscription Fees: $54.34
  Late Fees: $15
  Total Waived Amount: $69.34 

  The user's ********************** subscription is cancelled and closed. 

  We hope this provides the necessary clarification. Please let us know if any additional details are needed.

  Best regards,
   Beem Support Team

• Initial Complaint

  Date:06/10/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am filing a complaint against Beem (formerly Line) regarding unfair billing practices that have accumulated $377.64 in charges I believe are unjustified. I signed up for this service in June 2022, used their cash advance feature once (taking $75 on June 30, 2022, and paying back $48.34, leaving $26.66 which I acknowledge I owe), and believed I cancelled my subscription shortly after. I have not used this app or any of their services for over two years and haven't even had it downloaded on my phone, yet I recently received emails demanding payment for $335.98 in accumulated subscription fees plus $15 in late fees. When I contacted support requesting to cancel my account, I was told I cannot cancel or pause my subscription until all fees are paid, and they offered to waive only $15 in late fees as a "goodwill gesture" while still demanding I pay $362.64 for services I never used - meaning charges continue to accumulate daily while I dispute this matter. This appears to be a pattern with this company - charging customers who believed they cancelled their subscriptions, accumulating fees for unused services, and creating a trap where customers cannot stop additional charges without paying disputed amounts first. I am requesting that Beem waive all subscription fees ($335.98) and late fees ($15) as a goodwill gesture, similar to resolutions they've provided other customers in identical situations, and allow me to pay only the legitimate $26.66 cash advance balance I actually owe, after which I will immediately cancel my account.

  Business Response

  Date: 06/19/2025

  Dear BBB Team,

  This email is in reference to Complaint ID ********, regarding a Beem users concern related to billing.

  Subscription Start Date: June 14, 2022
   Last Everdraft Taken: June 30, 2022 $75 via instant transfer to the debit card associated with the users linked bank account. The user made a partial repayment of $48.34 on October 24, 2022, and the outstanding balance was $26.66. 

  The user has been an active subscriber of ********************** (formerly Line) since June 14, 2022, and utilized the Everdraft featurea service that offers early access to verified depositsas part of our bundled subscription. In total, the user accessed Everdraft three times.

  Throughout the subscription period, the following charges were incurred:
  Total Outstanding Balance: $377.64
  Subscription Charges:
  $9.97/month from September 2022 to December 2023 (16 months) = $159.52
  $10.38/month from January 2024 to May 2025 (17 months) = $176.46
  Total Subscription Fees: $335.98
  Everdraft Dues: $26.66 (after the partial payment of $48.34)
  Late Fees: $15 

  Between July 2022 and June 2025, we sent 113 email communications and 74 SMS notifications regarding the users outstanding balance and collection updates.
  It is important to note that the user did not contact our support team to request cancellation of the subscription or a waiver of dues during this time.

  All charges were applied in accordance with our Terms of Use:
  Section 8.4 Subscription Fee
  Section 8.5 Late Fees for Non-Payment of Active Subscription 
  These sections outline the recurring nature of the subscription and associated late fees, which the user agreed to upon enrollment. 

  When customers maintain outstanding Everdraft balances, we continue providing service access while attempting replenishment, incurring operational costs throughout this period. This ongoing service provision justifies the subscription fees charged during the period of outstanding balance. 

  After this mention as a demonstration of our commitment to customer satisfaction, we have waived $350.98 as one time exception. As a gesture of goodwill, we have waived the following:
  Subscription Fees: $335.98
  Late Fees: $15
  Total Waived Amount: $350.98
  
  The user is need to pay only for the remaining $26.66 in ********* dues, which can be paid via the following link: ****************************************************, or directly through the Beem app. 

  Once the balance is cleared, the user may cancel the subscription within the app or by reaching out to our support team.

  We trust this provides full clarification. Please let us know if any additional information is needed.

  Best regards,
  Beem Support Team
  

  
  

  Customer Answer

  Date: 06/19/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

  I paid the debt via the link.

  Sincerely,
  
  ***** *****