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:08/04/2025

  Type:Delivery 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.

  Purchased items at *********** in order to receive advance. Add-on costs to purchase are high, AND my items have not even been shipped 2 weeks later, despite having been paid for via their "advance" auto withdrawal. (The cash advance AND THE UNSHIPPED - REQUIRED -PRODUCTS are summed together and termed "advance".) I did reach out to their "customer service". Unhelpful bot responses. Please investigate and fine this company ala ****. Otherwise, no change will take place. AndOr this is textbook case for a class action.

  Business Response

  Date: 08/04/2025

  Hello,

  We appreciate the opportunity to respond to this complaint and provide clarification on our service. We take complaints seriously and ensure they are thoroughly investigated to address any concerns.

  Regarding your order and the associated charges: when a user uses an advance to shop, the total amountincluding the required store purchaseis deducted upfront from your advance.  

  Regarding your order from July 25th, it is already in transit and is expected to arrive on August 5th. We apologize for any inconvenience caused and we're currently working to improve both shipping speed and order transparency.

  I also see that you are currently being assisted by our support team, and we will continue to work with you until your concerns are fully addressed and resolved. 

  We value your feedback and are committed to making improvements to better serve you and all our customers.

   

• Initial Complaint

  Date:07/28/2025

  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 got approved for a cash advance and Spent 50% of that advance at their store. I was never able to take the remainder of the advance Out to my bank account nor did I receive any of the products I ordered. I want a refund for the *****.

  Business Response

  Date: 07/31/2025

  Hello,

  We appreciate the opportunity to respond to this complaint and provide clarification on our service. We take complaints seriously and ensure they are thoroughly investigated to address any concerns.

  To further explain what happened, you were unable to transfer the advance since your card has not been verified yet. Once your card is partially verified, you can start shopping on our app via Cornerstore. However, you'll be able to transfer a cash advance only after your card is fully verified.
  
  Regarding your order, unfortunately, the fulfillment of this order has been delayed. This is due to several reasons, such as the item being sold out or our supplier experiencing issues in fulfilling it. However, we have since worked on shipping the order asap and the order has been delivered on the 30th.

  We hope that, based on these efforts, you might consider updating or closing the complaint you previously filed, as the matter has now been addressed.

  Please feel free to reach out if you have any further questions or concernswe're here to help.

• Initial Complaint

  Date:07/23/2025

  Type:Product 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 recently today July/22/2025 needed a cash advance I was approved for 58$ but had to spend 34 in there store to receive a advance, when I did, I could not get the rest of the advance because they were not letting me use it, but they say I owe them for something I didn't get please help I totally feel scammed with no payment from them issued . Didn't get a tracking number

  Business Response

  Date: 07/31/2025

  Hello,

  We appreciate the opportunity to respond to this complaint and provide clarification on our service. We take complaints seriously and ensure they are thoroughly investigated to address any concerns.

  Per checking, we, your card is not showing as fully verified which is why you could not transfer your advance. Once your card is partially verified, you can begin shopping on our app via Cornerstore. However, transferring a cash advance requires full card verification.

  Regarding your orders, it is estimated to arrive on August 2nd and 3rd. Youll receive an email notification with the details of the order and another update once your order has been delivered.

  We would also sincerely appreciate it if you could reach out to our support team directly for any future concerns, so we can promptly assist you and ensure a smoother experience.

  Thank you, and please dont hesitate to get in touch if you need anything else.

   

  Customer Answer

  Date: 08/02/2025

  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 and the matter has been resolved.
  
  Sincerely,
  
  ****** ******
  
  
  
   
  
  

• Initial Complaint

  Date:07/21/2025

  Type:Delivery 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 Gerald app on 7/07/2025. I used it on 7/12/2025. It was fairly easy to navigate and it stated that you had to make a purchase with their Cornerstore to have access to your cash advance. I thought that this was odd ,but they actually have a decent amount of merchandise to choose from. It is a buy now pay later store where you have to make a purchase in the amount they set to have the cash advance remainder sent to your checking account. I made the purchase on the Cornerstore and there was a box that popped up like other platforms that stated if you made a purchase by this time then you would receive your order by. My date of guaranteed delivery was no later than 7/19/25. It also stated after the purchase that you will be sent an email update on your purchase including the delivery date. As of 7/20/25 I have not received any order nor an email stating the order has ever been filled. I contact Gerald customer service on 07/20 in reference to the order. I had already been charged and paid in full for the order and the cash advance on 7/16. I inquired about the order and not receiving it or an email stating it has been filled or shipped. I was given a standard scripted apology and a statement that the agent was going to expedite it so it would be prioritized to be ordered. I stated that I was requesting a refund for the order since Gerald didn't fulfill their obligations to me for something I fully paid for. The agent stated that there's a no refund policy and that I should confirm I want the product ordered. I stated that I was happy with the products and the issue was not the products but not receiving them as stated by Gerald. They still denied refund. I checked later on on the platform and it still says order pending. I have since filed a dispute with my bank against Gerald. They are deceptive and do not fulfill their obligations to customers.

  Business Response

  Date: 07/31/2025

  Hello,

  We appreciate the opportunity to respond to this complaint and provide clarification on our service. We take complaints seriously and ensure they are thoroughly investigated to address any concerns.

  Theres been a delay in shipping orders due to an issue we encountered in our fulfillment process. Please rest assuredwere working double time to get everything back on track and ensure all orders are shipped out as quickly as possible and that no user will ever have to experience any delays. 

  Upon checking, we see that you reached out to our support team regarding your unreceived order, and the issue has since been resolved with our assistance.
  We hope that, based on these efforts, you might consider updating or closing the complaint you previously filed, as the matter has now been addressed.
  Please feel free to reach out if you have any further questions or concernswe're here to help.

• Initial Complaint

  Date:07/21/2025

  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.

  Urgent Complaint Regarding Denied Cash Advance and Refused Cancellation Gerald Wallet On 07/17/2025, I applied for and was approved for a $46.23 cash advance through Gerald Wallet. Per the instructions, I was required to activate the advance by spending at least $22.11 at the Cornerstore. I followed this direction and made a qualifying purchase of $28.94 (Order #*****). Despite meeting the stated conditions, I never received the cash advance.Instead, the system claimed it was unable to verify my cardan issue that only appeared after the purchase. I immediately contacted customer service and requested a cancellation, but was refused. They insisted I pay for the Cornerstore transaction even though the promised cash advance, the very reason I made the purchase, was never delivered.This feels like a deliberate misrepresentation of services. I was pushed into a purchase based on a condition that Gerald Wallet either couldnt or wouldnt fulfill. I am requesting one of the following resolutions:A full refund for the Cornerstore transaction; or Immediate delivery of the approved cash advance.If this issue isnt resolved fairly, Im prepared to escalate it through consumer protection channels. I trusted the process outlined by your platform, and I should not be penalized for following your instructions in good faith.

  Business Response

  Date: 07/31/2025

  Hello,

  We appreciate the opportunity to respond to this complaint and provide clarification on our service. We take complaints seriously and ensure they are thoroughly investigated to address any concerns.

  Once your card is partially verified, you can begin shopping on our app via Cornerstore. However, transferring a cash advance requires full card verification, which we had previously informed you about.

  We created a support ticket to assist with this and followed up to ask you to retry the verification process. Unfortunately, we did not receive a response from you, and the ticket was closed. We also received another message from you regarding the same issue, but since there was no reply again, the new ticket was closed as well.

  Regarding your order, we understand your request for a cancellation. While we have a no cancellation policy, we occasionally make exceptions as long as the order hasnt shipped yet. In your case, we were unable to proceed with a cancellation due to the lack of follow-up, and the order has since been delivered on July 31st.

  
  If you have further questions or need help with anything else, please dont hesitate to reach out.

• Initial Complaint

  Date:07/16/2025

  Type:Delivery 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 had to order products that I really didnt need to get an advance that I needed. Unfortunately I never received my products. I wrote them regarding them issue and they said they would send it to the appropriate department. Never heard back from them and I have been writing them to see if I can get the products I ordered. Not only did I not get the products they charged me a ridiculous amount for shipping. I was forced to buy something to get an advance and never received what I was forced to buy.

  Business Response

  Date: 07/28/2025

  Hello,

  We appreciate the opportunity to respond to this complaint and provide clarification on our service. We take complaints seriously and ensure they are thoroughly investigated to address any concerns.

  Our app combines a Buy Now, Pay Later and Cash Advance features. Users can use a portion of their advance to shop in our e-store and then receive the remaining amount as a fee-free Cash Advance transfer to their bank. With no upfront payments, no interest, no subscriptions, and no late fees as we aim to provide a simple way to save and get more value. These terms are fully disclosed during sign-up, onboarding, and in our FAQs. We understand that this structure may not be suitable for everyone, and users have the option to proceed or decline the offer.

  Regarding your order, we want to clarify that when you reached out to our team, we responded and informed you that your order has been shipped and youll receive an email notification with the details of the order and another update once your order has been delivered. 

  We have not received any follow-up messages or complaints indicating the order was not received. The order is showing delivered on July 21st but if there are any ongoing issues or if you did not receive your order as expected, please dont hesitate to contact our support team directly so we can resolve it as soon as possible. Your satisfaction is important to us.

• Initial Complaint

  Date:07/15/2025

  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.

  So I was approved for an advance on 6/25/2025, I purchased the amount I needed at the cornerstone in order to get my advance. It gave the option of instant with a debit card, or transfer directly to bank. After spending the ***** on the store I wasn't able to recieve the advance. Told me my card couldn't be verified when it showed me It was verified. I reached out to support. They were not helpful and said my card wasn't verified. Sent the proof no response. Reached out again 3 weeks later about the update about my products that was already repaid from my bank account. Never recieved a update. Talked with the chat again said they would put a ticket in and id have a update within 24 to 48 hours, that was over a week ago still nothing. Refuses to give me a refund. Or any update on my products purchased. After reading reviews it seems I've been scammed because many people state they never recieve their items or is able to use their advance. Iwas even emailed that I was allowed for instant transfer. Which was a lie. I tried to disconnect my bank, wont allow me to do that. This is crazy I spent almost ******************************************** get an advance, on top of not recieveing my products or any information about them almost a month later. I want my money back and account deleted.

  Business Response

  Date: 07/16/2025

  Hello,

  We appreciate the opportunity to respond to this complaint and provide clarification on our service. We take complaints seriously and ensure they are thoroughly investigated to address any concerns.

  We sincerely apologize for the frustration and inconvenience this has caused you. To clarify, our card verification process is an important step to ensure that we are connecting a valid debit card so we can securely process your cash advance and avoid any repayment issues. Once your card is partially verified, you are able to start shopping through Cornerstore or *********. However, you can only transfer a cash advance to your bank once your card is fully verified. This is disclosed on the app.

  Per our review of your account, we did see that you reached out to us regarding your card verification, and we were ready to help resolve this. However, we did not receive a response to our follow-up requests until the ticket was closed. We also saw multiple other attempts to reach out, but unfortunately, it did not reach an available representative in time, which led to tickets closing before they were handled properly due to delayed response to the chatbot.

  As a one-time exception, we have granted your request to cancel the order and have refunded you the amount paid for the order. This issue should be resolved now however, if you have additional questions, please let us know and we'd be happy to help.

   

• Initial Complaint

  Date:07/15/2025

  Type:Delivery 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 approved of a cash advance of $78.20. They made me place an order in their corner store. My order was $42.29 and my advance was $25.84. My order was to be delivered on July 12 but it still showing a status of pending. They have already processed the repayment of $68.13, but I still havent received my order nor any information on the order and Im not allowed to request a refund.

  Business Response

  Date: 07/28/2025

  Hello,

  We appreciate the opportunity to respond to this complaint and provide clarification on our service. We take complaints seriously and ensure they are thoroughly investigated to address any concerns.

  We want to clarify that when you reached out to our team, we responded and informed you that your order was expected to arrive on July 17. According to our records, the order was successfully delivered on that date.

  We have not received any follow-up messages or complaints after the 17th indicating the order was not received, and no refund request was made during your initial inquiry.

  If there are any ongoing issues or if you did not receive your order as expected, please dont hesitate to contact our support team directly so we can resolve it as soon as possible. Your satisfaction is important to us.

• Initial Complaint

  Date:07/14/2025

  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.

  The problem is I signed up with this company July 1st 2025 and asked for a cash advance they told me they had to make sure that my debit card for my bank account was connected to my back account, then two days later I receive an email telling me I have to purchase item from the corner store first, I ordered the items to the sum of ***** they said I would have my order on the 8th of July, today is the 12th of July I have emailed them several times about this and they say he same thing we are working on it.

  Business Response

  Date: 07/31/2025

  Hello,

  We appreciate the opportunity to respond to this complaint and provide clarification on our service. We take complaints seriously and ensure they are thoroughly investigated to address any concerns.

  Our app combines a Buy Now, Pay Later and Cash Advance features. Users can use a portion of their advance to shop in our e-store and then receive the remaining amount as a fee-free Cash Advance transfer to their bank. With no upfront payments, no interest, no subscriptions, and no late fees as we aim to provide a simple way to save and get more value. These terms are fully disclosed during sign-up, onboarding, and in our FAQs. We understand that this structure may not be suitable for everyone, and users have the option to proceed or decline the offer.

  Regarding your order, our records show it was delivered on July 13th, and a delivery photo was provided as proof. However, we understand that you reported not receiving the package and filed a complaint. As a one-time exception, weve gone ahead and issued a full refund for this order to resolve the matter which you have been informed.

  We hope that, based on these efforts, you might consider updating or closing the complaint you previously filed, as the matter has now been addressed.
  

  If you have any further concerns or need additional assistance, please dont hesitate to reach out. We're here to help.

   

   

   

• Initial Complaint

  Date:07/10/2025

  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.

  They have been giving me the runaround since I signed up for this app. I purchased something over a month ago. I never chose the auto buy option for the product that I bought well fast-forward to now I never received that product and Ive just been charged again for something that Ive never even received the first time and they tell me that they cant refund me or cancel my order even though I never received it so now Im out $60 from both products. One that I never even asked to auto buy in the first place and number two I dont understand how Im supposed to pay something I never received also out of nowhere. They have decided to change my payment date to Thursday from Friday, which is gonna put me in thenegative in my bank account, which is crazy because when you first sign up for the app and ask you when your pay dates are and they have taken it outon every single Friday that Ive used it and now all of a sudden they changed it to Thursday so now Im gonna be out $60 plus my overdraft plus whatever else this is ridiculous. This business needs to be shut down I want my money back. I dont know what to do and Ima very ****** off customer

  Business Response

  Date: 07/23/2025

  Hello,

  We appreciate the opportunity to respond to this complaint and provide clarification on our service. We take complaints seriously and ensure they are thoroughly investigated to address any concerns. 

  Please note that the auto-buy feature can only be enabled by the user. Additionally, we send an email reminder 5 days prior to the order being placed to give users time to disable the feature if it was turned on by mistake. This helps ensure that no unwanted orders are processed.

  Regarding your orders, our records show that all previous orders have been delivered, except for your most recent order placed on July 13, which is expected to arrive today, July 23.

  As for your repayment schedule, we do our best to align repayment dates with the payroll information provided. However, it may not always fall on the exact same day each time you use our advance. The repayment date is always clearly displayed in the app to keep you informed ahead of time.

  We hope this clears up the confusion. If you have any further questions or concerns, please dont hesitate to reach out to our support team for assistance.