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:07/26/2024

  Type:Product 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 got an account with ********************** to move my social security payment over to it as my payment source a week ago and I tried to verify my identity and they still haven't done so and now I have my check and a bunch of bills piling up and I can't move my money they won't give me a virtual card they won't give me an explanation but I finally called them and they said it's because I had an old account on an old email that got hacked well I don't have access to that email anymore it was deleted so I asked him to delete that account and now they've escalated it they say but I'm not sure if I believe them that it won't be long I really need this resolved it's my money not theirs this review will go further if it doesn't get resolved and I'll probably possibly take some more action using the *** the SEC and another review on here I've done everything they asked me to do and they refuse to help me were they say they will help me and nothing gets done it's like as if I'm on their time and that's just not how a business should be run.

  Business Response

  Date: 07/31/2024

  We have reviewed this complaint and confirm the customer's claim. It is our policy to allow only a single active account per customer. We can also confirm that the underlying issue has been resolved.

• Initial Complaint

  Date:07/23/2024

  Type:Product 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 downloaded the B9 App under the impression that I could do a payday loan being that I have a record with my bank(Chime) of having a biweekly direct deposit. I have done payday loans before with other companies with no problem. As I was filling out the application for B9 I realized that they wanted me to change my bank to start banking with them, and not only that I still wouldnt be able to do a payday loan. So I declined completing the rest of the application. Well my payday came yeaterday and I kept checking MY bank and it wasnt there at the normal time I normally get it. I then get an email from B9 saying that my check went to them. And I cannot retrieve my money, move it,, send it to anyone or touch it because my account is not complete. So I dont understand how they took my money if I dont have an account. So I go to support to attemp to get my money back. In order to get a call within an hour I had to pay 9.99. This was in 7/22 at 9pm, it is now 1pm on 7/23 and I still havent spoken to a live person on the phone. They said they inly send ACH payments out on Wed and Friday. I asked them what time tomorrow because this is pitting me in a terrible position. I have no gas in my car, no money to eat, charges are being over-drafted on my actual account, I have bills and people I need to help and cant because I cant touch my own money. Theyre NOW telling me 72hrs so Inwill have to wait til Friday. Im so mad!!!!

  Business Response

  Date: 07/31/2024

  We have reviewed this customer's complaint and have determined that the underlying issue has been resolved. It is important to note that we do not offer payday loans. We offer Earned Wage Access which imposes different requirements then payday lending. Additionally, we have attempted to resolve the other issues identified by this customer but are unable to verify the claims made within this complaint. We therefore we encourage the customer to reach out to us privately.

• Initial Complaint

  Date:07/13/2024

  Type:Product 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.

  My paycheck was supposed to go to this account for the first time. I was supposed to get my paycheck on Thursday July 11th 2024. I made a ticket request to ask about my paycheck if I need to wait one or two business days for them to be received I haven't received anything. My job for the day deposited the check I see the pay stub where it says that it was deposit it but I'm looking in the account and I don't see my money and can't nobody tell me where my money went. I think I'm going to see the company if I don't get my money.

  Business Response

  Date: 07/21/2024

  We have researched this customers complaint and have determined that the underlying issue has been resolved. We have conducted an internal review and are unable to identify any issues within our systems and it appears the underlying issue was with a service partner. We are still researching the matter but we are confident that the issue has been resolved.

• Initial Complaint

  Date:07/12/2024

  Type:Customer Service 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 stop direct deposit with this company I was told that they where experiencing technical difficulties and my deposit would be paid my the end of the day its now 10:00 pm from what I looked up this not the first time this happened I dont understand why this company is still allowed to operate knowing they been treating they customer this way I need my money this is crazy Im really feeling like Ive been scammed

  Business Response

  Date: 07/21/2024

  We have researched this customers complaint and have determined that the underlying issue has been resolved. We have conducted an internal review and are unable to identify any issues within our systems and it appears the underlying issue was with a service partner. We are still researching the matter but we are confident that the issue has been resolved.

• Initial Complaint

  Date:07/12/2024

  Type:Product 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 reviewed the services on the Apple play store for an advance request. As I was filling out the information request it required my payroll information which I provided. Once I provided the information I received the next page advising that my payroll would be directly deposited into B9 account. I quickly submitted for me to file the paperwork NOT directly deposited into the account. I went into my work the next day and seen that my full check would deposited into the B9 account by pay date. I immediately contacted the customer service because as noted on their page (you can receive your funds two days faster from payday). As I spoke to the representative ********, I was advised that she did not see my direct deposit information set up and because it was not pay day yet they could not see my funds available. And the advance that I could be approved for was $30-$50 as a first time customer.I called back the next day and spoke to ******** again who stated the same thing. I then asked if I dont have a debit card from the company how can I receive my funds? She then stated my account was not fully set up because they needed a picture of my ID, once that was provided I can link an outsourced debit card to my account. I did the final set up. And as my pay day is now here I still HAVE NOT received any notification that my funds have been deposited or that I am able to transfer my funds into my outsourced account. Horrible service.

  Business Response

  Date: 07/21/2024

  We have researched this customers complaint and have determined that the underlying issue has been resolved. We have conducted an internal review and are unable to identify any issues within our systems and it appears the underlying issue was with a service partner. We are still researching the matter but we are confident that the issue has been resolved.

  Customer Answer

  Date: 07/21/2024

   
  Complaint: 21979441
  
  I am rejecting this response because: 
  Not only did I still not receive my deposit from my job, I am now having to file a complaint with my job to review the deposit information because they have advised the deposit has went through the account from **********************. I am still waiting to get paid from my job it is now 2 weeks after my pay date and a new payroll is being entered in..

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

  Business Response

  Date: 07/25/2024

  We have further reviewed this customer's complaint. Upon review, it appears there is an inconsistency with the customer's statement and our internal records. We have contacted the customer personally to better assist them and resolve the matter.

• Initial Complaint

  Date:07/12/2024

  Type:Service or Repair 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 was looking for cash advance app and they wanted verify employment and in process of that set direct deposit with out consent and I never even loan money threw there app reached out to customer service rude and hung up on and diff time zone ask speak with supervisor they always have same response there not in so my check is sitting limbo over them illegally setting up direct deposit b9 banking been nightmare

  Business Response

  Date: 07/21/2024

  We have researched this customers complaint and have determined that the underlying issue has been resolved. We have conducted an internal review and are unable to identify any issues within our systems and it appears the underlying issue was with a service partner. We are still researching the matter but we are confident that the issue has been resolved.

• Initial Complaint

  Date:07/05/2024

  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.

  This happened 07/05/2024. An account was open in my name and someone switch my direct deposit to B9 without my knowledge. I need B9 to cancel it so my money can go back to my old account.

  Business Response

  Date: 07/11/2024

  We have researched this matter and determined that the underlying issue with this customer's complaint has been resolved. We encourage this customer to contact us directly if they have any other issues so that we may assist them. Although we cannot speak directly regarding this customer's account, it is important to note that our system is designed so that only the customer may switch their direct deposit to their B9 account. We do not possess the means to switch a customer's direct deposit without the customer themself inputting key information.
  

• Initial Complaint

  Date:06/21/2024

  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 placed a ******* order using my debit card from b9 with a temporary hold of $124.92 but I only received part of the order and cancelled the rest so I was expecting a refund for the difference of $124.92 and the final total of the items I received in the amount of $79.10. somehow I ended up with 2 fraudulent charges that were and are still being processed by ******* and b9 in the amount of $111.38 and $45.84. the ******* order was placed on 6/13/24. My bank account ended up negative $45.84 from one of the fraudulent charges that's still not processed as of today so when I received my 2 refunds from ******* one for $10.74 and one for $47 and some change b9 took $45.84 to cover a still pending fraudulent charge then they took the remaining $12.32 from my refunds from ******* and claimed that it was you cover my monthly account fees in which I have already paid them. They took $2.80 on June 14th and $12.32 on June 19th for the period of June 14th through June 14th 2024. I had already paid the $19.99 for May 14th through June 14th 2024 on the 13th of June in the amount of $18.03 and on May 14th in the amount of $1.96 for the time period of May 14th through June 14th 2024. My monthly account charges are $19.99 per month and they charged me two times for the time period of June 14th through June 14th 2024. I don't understand how a pending charge put my account into the negative but not the other charge of $111.38 or how I'm being charged for one day out of a month that I have already paid for

  Business Response

  Date: 07/02/2024

  We thoroughly investigated this customer's complaints. We recently completed our investigation into the customer's claim of fraudulent activity and have communicated those findings to the customer. We unfortunately cannot disclose more on this topic due to privacy concerns. Regarding membership fees, an internal review did not find any error. We have also communicated our review findings to the customer regarding their membership fees. We also cannot disclose more on this topic due to privacy concerns.

• Initial Complaint

  Date:06/21/2024

  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 first opened the account and had $300 deposited into the account, everything went well till it didnt I had just renewed my Drivers License and they wouldnt accept my Temporary or my Drivers License with my old address (it was still in date).. They LOCKED my account from spending any of MY money and then proceeded to tell me my account is locked permanently due to the tries of scanning the Temporary License. I finally received my hard copy of my NEW Drivers license and they tell me I cant access my account due to to many attempts.. I finally got someone that partially unlocked the account but limits what I spend. My bills have been behind due to it being locked. Secondly, I sign in to see that my paycheck has been moved to be 100% of my income which it was only supposed to be $300.. I was supposed to be paid 6/18/24 and here it is 6/21/24 and I still havent received my paycheck and they have no record of it while I have a PAYSTUB that shows It was deposited. This is a bunch of crooked people and I will be filing a lawsuit regarding this complaint.

  Business Response

  Date: 07/02/2024

  We have reviewed this customer's complaint and have determined that their account is fully functioning and able to be used. We do have a policy that imposes daily transaction limits for a variety of reasons. We understand that these daily limits can be frustrating, but these limits are often essential in our fight against suspected fraudulent and illegal activity. We do our best to assist customers in accommodating daily transaction limits by being transparent. In regards to any missing paycheck, our policy is to provide access to paychecks as they are received. We do not modify direct deposit amounts or impose holds. If the customer is still missing their paycheck, we encourage them to contact us directly so that we may research the matter more thoroughly.

  Customer Answer

  Date: 07/02/2024

   
  Complaint: 21882083
  
  I am rejecting this response because:

  I reached out to Customer support. I wanted to ensure there was no issues with my account as to why my paycheck was missing. I received the following responses that there were 0 issues with my account and they havent received my paycheck. I then reached out to my HR director and she ensured me it was returned due to my account being frozen. This doesnt add up and I ended up having to drive 3 hours and over 150 miles to the corporate location to receive my check to pay my bills and financial responsibilities B9 failed to give me accurate information and gave me a complete run around and lied to me repeatedly.
  
  Sincerely,
  
  *************************

  Business Response

  Date: 07/11/2024

  We have further researched this matter and we cannot identify any issues on our end. The scenario that the customer stated is also not consistent with our internal procedures. In the event we restrict or place a block on an account, the block only restricts customer spending. We do not reject incoming transfers unless the originator has been flagged. We understand the customer's frustration but we cannot find any issue within our system. We therefore believe the underlying issue originated within the employer's payroll system. We are happy to further assist this customer if the matter is still unresolved.
  

  Customer Answer

  Date: 07/13/2024

   
  Complaint: 21882083
  
  I am rejecting this response because:
  
  I have been thoroughly consistent with proving this issue. This issue(s) needs attention so other people dont have the same problem. I have sent proof of this issue and none of the staff is competent enough to research this deeper and find the root cause. This place of business needs inspected by federal authorities to see what kind of business is actually being ran. I have sent proof from my *************** Director and she has proof it was returned. The system wouldnt allow me to scan my ID and therefore limits my spending limit when I have proved my identity numerous times and have proof of this as well. The option to scan in my drivers license was permanently disabled and resulted in a restriction or use of my money. The limit that is set is unrealistic and it was done on purpose. It is not legal to hold  my money when I have proved my identity. Is there proof on B9s end that it was returned or rejected? I also want proof that there isnt another way of scanning or verifying Identity. I was told numerous times it was disabled, and that is not acceptable for a financial company to doThis proof needs submitted or legal action will be taken. 
  
  Sincerely,
  
  *************************

  Business Response

  Date: 07/21/2024

  The scenario this customer is now describing is consistent with our policies for when customers fail to complete their onboarding. B9, along with our sponsor bank and service partners, have implemented enhanced due diligence procedures for our customers. We have implemented these procedures in order to protect our customers against the ever-increasing threat of identity theft and fraud. All of our procedures are in full compliance with the Bank Secrecy Act, USA PATRIOTS Act, Gramm ***** ****** Act and applicable state regulations. We understand this customers frustration; however, an internal review of our records identified some inconsistencies with the customers statements and our records. We encourage this customer to contact us directly so that we may explore this issue further. We unfortunately cannot disclose specifics about this account as privacy regulations prevent us from disclosing any information regarding the account.

• Initial Complaint

  Date:06/15/2024

  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.

  This company has stressed me out tremendously! I had a portion of my payroll deposited to B9 and my deposit was very late which caused by bills to be paid late. During this time I incurred late fees so I got an advance from B9 and took a loan out from another company to get by until my next payday. The loan I took out was deposited to my B9 account and they literally took my loan and applied to the advance they gave me two days prior so Im at $0 again because I still owe a portion of the B9 advance before I can get another one. I tried getting a hold of support but received nothing but generic responses. They caused the financial issues and then took the loan I needed to fix their mistake.I am literally in tears because its almost impossible to get a live agent unless you PAY to upgrade your account from basic to premium. Im still shocked at their business practices. SMH

  Business Response

  Date: 06/20/2024

  We have reached out to this customer in an attempt to resolve the matter and also obtain more information regarding the underlying complaint. An initial review of internal records determined that we require input from the customer in order to fully resolve this matter. We are unfortunately unable to discuss this customer's account in greater detail due to privacy concerns. We encourage our customer to contact us directly so that we may resolve this matter.