Love it... but....
By Shelby mumford
I absolutely love this app. Money transferring is incredibly easy, and the app overall is incredibly user-friendly. It’s my personal favorite not only because it’s easy to use, but I absolutely love the discounts via boosts you can apply to your card. However,Something that’s hard when it comes down to the boosts is that the majority of the boosts I get are not for things that are local to me. My suggestion would to be pushing out boosts that are more universal. My top two favorite boosts are 10%-15% off any grocery store, and the $1.00 off any coffee shop. The app would get a much higher rating from me if those two options were permanent options that we could choose from. They are more than likely the two most used ones anyway. My only other suggestion for the app would to create an easier and more user-friendly path to customer care via app. If I have an issue it’s always “contact the merchant”And that’s stressful because not every concern that I have is always a refund. So I would’ve given the app a higher rating given that customer care would be easier to get in contact with. My suggestions would be either having a phone number that somebody can call, or an in-app chat for customer care. Overall I really love the app. It’s save me a lot of money, and I highly recommend it overall to most people. It’s my preferred method to handle my money.
So when I first encountered Cashapp I thought it was the way of the future. I could transfer funds easily amongst family members and pay bills. I even had my job direct deposit my check into the account. Then my first hiccup. Seems the system shut down for the weekend and funds could not be used even if they were present. I thought let me find out what’s going on with the card. So I searched for a number to reach customer service. Found out there isn’t one. All correspondence is being done through email or text. Okay strange but maybe it was because they are a way of the future. The problem with that future is that text can often be misread or in certain cases the terminology used by email sounds robotic. So I let it pass. Just recently I was out trying to use my card when nothing would go through again. I’m checking app which is showing me there is a balance but nothing moving. Figured it was a glitch like before and I would wait. I check the app again and now it shows a new bank card number and has informed me(again by email) that my account has been closed. I still have a balance in the account but can’t retrieve it because 1 the account has been closed without warning 2 I can’t contact a customer service rep to talk about the situation. Smh. Looked up Sutton bank phone number. Nothing. Square inc phone number. Nothing. Needless to say I’m done. Moving everything over to Chime where at least I can speak to someone. Bypass CashApp and download Chime
Beware! Horrible Customer Service!
If only I could rate this app 0 stars! Beware of this app! Everything seems fine, until you have an issue with your funds and find out that there is no live person to talk to; then they send you a generic email about the issue but in no way attempt to solve it! So a friend sent me funds in which I then returned within the hr, but apparently the funds were not received, although the money was already removed from my bank acct. My friend then put in a dispute with the bank, in which, rather than the app doing their due diligence and trying to find out where the funds were sent to, immediately took the money out of my acct again. When I tried to figure out what way going on, where the funds went and how to resolve the situation. I then find out that I cannot talk to someone over the phone for a quick resolution but instead via email. So I send an email notifying them of my complaint and receive a very general email in no way addressing my concerns, but notifying me that because its a bank dispute that have no further details on the issue but that they are typically solve within 90days and that cashapp has the right to withdraw the amount of the disputed transaction. So they are not even going to attempt to resolve the dispute or find out what happened. So I have filed a dispute with my bank too, and soon as this is resolved this app is going right in the trash. I will definitely just stick to zelle and working directly with the bank.
Instant Vs Free
When I first started using the app, I loved the convenience of it. However, I’ve noticed that nowadays, if I get money sent to me, the amount of time before I can get the money for free - no matter what amount - is days later than it was when I first started using the app. My sister sent me a mere $48 on a Wednesday, and I was given the free option for receiving it on Friday, or in this instance, pay a .78 fee for instant deposit. Even before this particular transaction, there have been other ‘days later’ options for receiving money or I’d have to pay the fee to get the money instantly, and it’s starting to bother me. It just makes no sense. If it was a huge amount, I could understand, but why charge an instant fee for such a small amount? And why not just offer the next business day? I think there should be a required minimum amount of money before charging for instant access, or at least offer the next business day just like other apps do, and not 2 or more days later. Maybe there’s a rhyme or reason as to how you all decide what amount gets charged a fee or not, or how long before money can be deposited, but I can’t figure it out. Before using your app, I had been using Zelle and POP Money, but I thought this was better and switched over. Maybe I made a mistake - I don’t know if it’s worth it anymore. I can only imagine the instant fees getting higher and the wait time getting longer over time.
Horrible app to use
I never usually leave reviews for apps but this one has definitely made an exception. Point. Blank. Period. This app is horrible in ever way. I would give it a corner of a star if I could. In every comment it’s the same and it’s true the customer service is horrible, money goes missing, they don’t answer you when you email them back or anything. When I first started using it everything was fine my first problem was when someone sent me $40 and it never came through my acct at all it showed in my transactions in the other persons transactions but never hit my back acct so I removed my bank card and stopped using the app. Then when I downloaded it and used it again I was literally going to place like the gas station and McDonalds then all of a sudden nothing is going through. Money can’t be sent received nothing and when I contact them they basically accuse me of fraud and say they shut down my acct won’t give me a reason why and won’t let me get my funds I had left off the acct. I have worked in customer service just about all my life and this........THIS IS THE WORST CUSTOMER SERVICE I HAVE EVER BEEN DEALT. I would rather walk in a store and stare at the cashier for 5 mins waiting for them to notice I’m there while they txt their boyfriend back than to deal with these people over email!!! Apple should literally shut this scheming app down because I guarantee every dollar that keeps going missing out of people’s acct is definitely going to somebody!
I hate this app. Honestly just download venmo, it’s much easier. To be honest, I only downloaded it for the $5 reward but that didn’t even work out. My friend and I sent money to each other so they would give me the reward. It had no trouble taking the money out of my checking account (since my cashapp balance was zero, having never used it) and it says that I got the reward. But it says my balance is only $5. This doesn’t add up since I’m -5 in my checking and +5 on the app. It should be +10 if it really rewarded me. I’m trying not to be frustrated over $5 but it’s so difficult to transfer to my bank account, so if anyone wants to give me cash I’ll transfer the $5 to your cashapp so I can delete mine and be done with it. Basically took $5 from my account since I can’t actually use the money on my app unless I want to pay someone through it, which I don’t since almost all my friends use venmo (for good reason).
In response to the developer commenting on my review, I did do it through the link that my friend sent and followed ALL of the steps. The app even says in my notifications that both my friend and cashapp supposedly paid me, but one or the other is missing from my bank account. I did not miss a step. The fact that they acknowledged my review but didn’t acknowledge or try to figure out what happened on my account also goes to show that this app clearly doesn’t care about its consumers and would rather just put the blame on them. Deleted.
Frustrated!!! I just want my money back!!!
Initially I would say that the purpose behind this app were on point but now after a couple years of using it, it is really not all that good. The money sending process is good up until you type the wrong name and don’t have an option to retrieve your funds back after noticing your mistake. And let’s not talk about the customer service or the lack there is. To know that I don’t have the option to speak with a over the phone but via email, is ridiculous and even with that there is a 24hr wait in response. I just found out that there are several cash app accounts (2) using my name that are not me and people had been sending me money but I haven’t been getting because of these accounts and customer support said just send a request to the receivers requesting the funds back, and if you have done that and had a good outcome behind it, you are that 1 in a million. I once thought this app was good & deserved 5 stars until my money ended up in the BIG BLACK HOLE/someone else’s hand and now feel that it really is not worthy of a star. I now we’ll be deleting my account (if that’s an option) & using zelle.
A better process needs to be designed for this app. The first being giving the users the option to speak with a person over the phone and not just email; The ability for senders to CANCEL transactions when they noticed a mistake has been made; And a better way to retrieve old accounts.
Zero stars if possible
Honestly this is more for the customer service than the actual app. I don’t Believe I’ve ever written a review before, but this was impossible to ignore. When I received my cash app card my last name was missing, well most of it, the first two letters were there. I reached out to see how it could be corrected and was first informed it couldn’t be. When I asked how I was supposed to use a card without my name on it they explained that since it was a debit card I had to put money on it to use (apparently assuming I didn’t know how to use it). I replied that since businesses often ask for ID even with debit cards it would useless to which there was no response. A few days later another rep emailed and explained how I could change my name in the app for display on my profile, and finally included details on how to request a corrected card. I responded AND asked if they could confirm my name would fit properly just so I could know if I could include my middle initials on the card. Two days later I got the same email from a NEW rep, with all of the same instructions, and no response to my questions. I replied with the exact same response I had previously, and immediately received a do not reply to this email bounce back. Thé service has been horrible at best.
**update in response to their attempt to mute my frustration. I STILL have not gotten a response to my last attempt at contact so I doubt you would actually “love to help.”
ZERO Stars, this app is the WORST
I downloaded this app from a link my landlady sent me in order to pay my rent to her easily. We were each supposed to get a $5 credit. Nothing about that even shows up anywhere in the app, and I’ve emailed support about it and they didn’t even read the email or address it at all. But it gets worse. This is the FIRST time I’ve ever used this app, and I tried to send a small amount to my daughter. Immediately, I got an email from them saying they refunded it for safety reasons? And after that, got an email saying I made a payment to my daughter. So I email support about it as well as the credit issue, and they email me back this generic response that doesn’t help me with anything. I wait a day, the refund goes back into my account, and I try it again. SAME thing. Immediate refund! But this time, they email me saying my money won’t be back into my account until Monday! (It’s Thursday. If you did the same thing yesterday and refunded it in 24 hours, WHY the f are you holding my money this time for 5 days??? I’ll be DAMNED if I am going to try to send a large amount of money over this piece of crap app, if they can’t even accomplish a small payment one time, from my first time even trying it. EVERY bad review about this app is true. I should’ve never tried it. And developer, don’t you dare comment on this review and tell me to reach out to support! I already did that twice and you did nothing to help me. I’m DONE.
DO NOT GET!! USE BREAD APP!
This is the absolute worst app to use for dealing with funds and crypto currency. The app itself is set up nice and easy to use, but the customer support is so terrible. I would give negative stars if I could!! I have watched my balance of bitcoin fall from a little over a $1,000 to just over $300 because I can’t withdraw it, I can’t sell it, I can’t move it to another app that will actually work. I have been dealing with this for going on 5-6 months now! I have emailed cash support so many times it’s unreal, with 1 response. 1 freaking response to probably about 20 different emails! A guy named Linz said he would look, get it fixed, it was probably a glitch in the system and he would get back with me in 24 hours. This was 2 weeks ago. With no response. I have emailed him back Atleast 5 times now with no response. I have literally watched my balance fall and there is absolutely nothing I can do about it. You can find s way better app to trust your money with! This is not the one!!
P.S. Developers, I have every email, all the evidence. I would be more than happy to show you. If this is how you want to run a company and how you want your customers get treated. I’m sorry for you. Making millions of dollars while your customers are over here losing money at your gain because your team is not doing there jobs!
Like I said, I have all the proof, all the email. I’ve been trying to reach out for so long! I just want my money!!!