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:04/22/2025

  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.

  On 4/22/2025 Klover took ****** out of my bank account when I did not have fund, messages on their website say they do not take funds if theyre not available so thats a lie, this also charged me a 35$ overdraft fee ontop of it I lost my job, I tried to reach out to Klover support for help but you never get a real person just an AI bot, no help or solution ever.

  

  Business Response

  Date: 04/28/2025

  Hello there,

  I understand how concerning unexpected fees can be, and I appreciate you bringing this to our attention. After reviewing your account, I can confirm that our records do not show any overdraft fees charged by Klover. I see that funds were available when we initially tried to collect the payment. A hold was placed for the $266.48 and your bank approved the transaction. When your bank allowed the transaction, other charges may have been pending as well. As described in our ************ some financial institutions allow a charge to go through, even if you don't have enough money. I highly advise revisiting your bank settings to locate a way to prevent you from being charged for overdraft fees.  
   
  Additionally, if you can anticipate that you will not have enough funds to make a payment, you can request a payment extension to further prevent any overdraft fees. Please visit our *********** to learn more on our requirements for payment extensions. 

  Thank you,
  Magie
  Klover ****************** Team 

  Customer Answer

  Date: 04/30/2025

   
  Complaint: 23238971
  
  I am rejecting this response because:

   

  you dont make it easy to actually get support or make these changes you say you can. I tried multiple times and you have an AI response for everything probably even including the response here.

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

• Initial Complaint

  Date:04/22/2025

  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 was charged for a membership when I never once enrolled I only linked my bank account because you guys asked me for it for my profile I never put down my card or did a free trail I uninstalled the app and now you guys are charging me even though I never once used it for an advance I would like my money back and the account deleted please

  

  Business Response

  Date: 04/28/2025

  Hello,

  So sorry to hear you were having some trouble. I checked our records and it looks like you linked your debit card on 3/5/2025. When you link your debit card, there is an option to enroll in our membership program. It looks like you entered the free trial then were charged for the membership this month. No worries, I sent a refund for the $4.99 and cancelled the membership. The funds should be back in your account within 3-5 business days. I also disabled the account to prevent you from reactivating the membership again. Since the refund is still being processed, I am not able to close the account yet. I will be sure to close the account once the 5 business days have passed to confirm that you have received your refund. 

  Furthermore, please know that a membership can always be cancelled in app or you can reach out to customer support to cancel the membership for you. Please do not hesitate to follow up with us if you have any further questions. 

  Thank you,
  Magie
  Klover ****************** Team 

• Initial Complaint

  Date:04/22/2025

  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 had an advance back in 2022 for ***** I believe. I tried closing the app recently and was told I couldn't due to balance from 3 yrs ago. You've got to be kidding me. So they sent me invoice for PMT and I haven't heard from klover in 3 yrs. They won't close my acct

  

  Business Response

  Date: 04/23/2025

  Hi again,

  I believe we just spoke about this issue via email yesterday. It looks like you have an outstanding balance of $82.99 from 5/6/2022. In our conversation, we informed you that a Klover account cannot be closed if there is an outstanding balance. Please know that I have disabled the account, however, the payment can still process if the bank on file is still active. I did offer the option to make the payment via online invoice and you agreed to take a look at it. Since you already confirmed that you will not be making a payment at all, we cannot close the account. The invoice is available until 4/28/2025, in case you change your mind. It appears that disabling the account is the best option I can provide. 

  Thank you,
  Magie
  Klover ****************** Team

  Customer Answer

  Date: 04/24/2025

   
  Complaint: 23234163
  
  I am rejecting this response because: it's been 3 yrs and it says they don't ask for past balances. 
  
  Sincerely,
  
  ***** *******

• Initial Complaint

  Date:04/20/2025

  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 keep taking money out of my account even though I am going through financial hardship through no fault of my own. They are unwilling to work with me and sent a very nasty email during an extreme mental health emergency. For every ten dollars that I put in my account, they take it, leaving me unable to feed myself. I have already cancelled my membership. I want nothing to do with you people anymore. You have ruined my life.

  

  Business Response

  Date: 04/21/2025

  Hello, 

  I'm so sorry to hear the situation you are in. I checked your email history with us and I see the agent you spoke to was not able to able to stop your payment. Please know that this is a standard procedure on our end. Once you request an advance, you are responsible for making the payment on the given date. We do offer payment extensions once a month, as long as we are notified 2 business days before the payment is due. We highly advise that you ask for a payment extension if you are in a tight situation again. Just to share - our system will collect your payments in increments if funds are detected. This is why you saw $15 being deducted as soon as you transferred funds into your account. 

  For now, I have sent over a refund for the $15 that was charged on 4/20. You can expect these funds to be in your account within 3-5 business days. As a courtesy, I have also stopped the payment from being processed. Please know that this is not an option that is typically offered, but I was able to make an exception. If you would like to complete the payment and resume normal use of advances, please reach out to our support team so that we can set you up with an online invoice. If you need any further assistance, please do not hesitate to ask for a manager when reaching out to support. 

  Thank you,
  Magie
  Klover ****************** Team 

• Initial Complaint

  Date:04/16/2025

  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.

  Payment has been debited from my account and gone through. On app still shows processing. Contacted them more than 24 hours ago. And have gotten no response. Would like to get another advance, but cant and probably wont now . Its been 3 business days and no updates! No this was not an ACH it was with a debit card..Also still.missing points from completed tasks over 4 days ago no resolution. Chat feature does not work.

  

  Business Response

  Date: 04/21/2025

  Hello, 

  So sorry you were having some trouble on our app. I checked your account and I see that the payment has been updated in the app on 4/18 and you were able to request a new advance. Please know that it can take 1-3 days for payments to be reflected in the app. Also, I see you mentioned that you were missing points for completing tasks. I was able to respond to an open email with you and ask for further details on the points you are missing. Please be sure to respond with as much information as possible. 

  Thank you,
  Magie
  Klover ****************** Team 

• Initial Complaint

  Date:04/16/2025

  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.

  This company deducted 2.49 from my account and I NEVER signed up for there service. They have no customer service line to report anything. Now I have to replace my card for fraudulent charges.

  

  Business Response

  Date: 04/17/2025

  Hi Diamond, 

  I checked our system with your information and I am seeing that an account was opened on October 2021 with your email and phone number. When your debit card was linked, the membership was activated. No worries, I cancelled that membership and sent refunds for the charges of $2.49. Those funds should be back in your account within 3-5 business days. Also, to prevent you from getting charged again, I disabled your account. 
  It looks like you did reach out to us via messaging recently. I sent in a response, if you have any additional questions, feel free to follow up with me in that thread. 

  Thank you,
  Magie
  Klover ****************** Team

• Initial Complaint

  Date:04/13/2025

  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.

  Dear Klover Support,I am writing to express my concern regarding a recent charge of $50 that was withdrawn from my checking account today, April 11th, as repayment for a cash advance. My next payday is not until Friday, April 25th, and I did not authorize repayment for todays date. I am unsure why the repayment date was set to the 11th, as that is not aligned with my pay schedule.This early withdrawal has unfortunately left my account completely empty, and the funds were allocated for essential expenses, including medication and groceries. I am requesting that the $50 be refunded as soon as possible and that the repayment date be updated to April 25th to reflect my actual payday.If this issue cannot be resolved promptly, I will have no choice but to file a chargeback with my bank to recover the funds.Please let me know how this can be addressed quickly.Thank you for your attention to this matter.

  

  Business Response

  Date: 04/15/2025

  Hello,

  So sorry to hear you were having issues with a payment. I checked your account and I see that your payment date was set to 4/11/2025. Please know that payment dates are given to us by your bank. When you acknowledge and sign off on the advance, you are taking responsibility for the payment on the date we provided. Unfortunately, we will not be able to send a refund for the partial payment of $50. The system will try to collect the remaining funds if they are available.

  Also, I see that you have not requested a payment extension with us. Please know that we are able to extend your payments once a month. We will need a 2 business day notice to move your payment if you are in a tight situation again. Please feel free to check out our *********** article for more information on payment extensions: How do I change or extend my payment date? 

  Thank you,
  Magie
  Klover ****************** Team 

• Initial Complaint

  Date:04/09/2025

  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.

  Klover refuses to revoke authorization to my bank account with full or partial ACH payments which is required by law when requested. Klover states requests must be made 3 days prior to payment date which becomes null and void once the original payment date has passed. This revocation of authorization applies to future ACH withdrawals and not prior.

  

  Business Response

  Date: 04/14/2025

  Hi ****,

  So sorry you were having trouble on our app. It looks like you requested a revoke authorization on your account on 4/8. The payment was due on 3/13 which is why your request was initially denied. Please know that our Terms and Conditions state that we require a 3 business day notice to be able to successfully process your revoke request. 

  On 4/9, I ended up making an exception to our policy to revoke authorization to your bank account. I can confirm that you have not been charged and will not be charged for the payment that was due. No further action is needed on your end. Please feel free to follow up via email if you have any further questions. 

  Thank you,
  Magie
  Klover ****************** Team 

• Initial Complaint

  Date:04/09/2025

  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 went today April 7th, 2025 to cash out my points for an ****** gift card. I looked at the app and the Cash Out button was no longer showing. I reached out to klover support for help and sent numerous emails to ask why the cash out button was not available. They go to inform me that they are about to discontinue the Amazon Cash Out feature. I asked them many many times if they could honor my points and send me my Amazon gift card since I am a Disabled Veteran and I worked so hard to build my points up by taking offers and referring friends. I have over ****** points which is a $122 or more gift card. I do not know why they wouldn't honor my points when my wife had just used her points Sunday night to get her Amazon gift card. I do not feel like it is fair to suddenly stop a feature without warning. I spent many sleepless nights and mornings tryin to watch video ads and build my points up so that I am able to order toilet tissue, paper towels and other household items i need since I am on disability and only get paid once a month. I have bragged to many friends about Klover. And I just never thought they would be so heartless to not honor my many points I have for a gift card. I even asked them if they could compensate me in some kind of other way and I have yet to hear from them. This is no way to do business. Not at all.

  

  Business Response

  Date: 04/14/2025

  Hi ******,

  So sorry you were affected by this change. The Amazon cash out feature is no longer available for customers as of 4/7/2025. This explains why you were not able to cash out your points. I am seeing that you have 64,935 points in your account. We are happy to make an exception and cash out these points for you just this time. Please know that right now, the total cash out amount will be approximately $26, not $122.

  I see that you had an open email request with us and a manager will be reaching out to you shortly to get those points cashed out. This will only be a one-time courtesy and we will not be able to cash out points for an Amazon gift card in the future as that feature no longer exists in our app. 

  Best ************************************************************** Team 

• Initial Complaint

  Date:03/28/2025

  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.

  Payment has been debited from my account and gone through. On app still shows processing. Why? Contacted them more than 24 hours ago. And have gotten no response. Would like to get another advance, but cant and probably wont now . Its been 3 business days and no updates!!!! ??????

  

  Business Response

  Date: 03/31/2025

  Hi there,

  So sorry you were having some issues with a payment. I checked our records and I am seeing that the payment was collected via ACH which takes up to 3 business days to update in the app. This tends to happen when the system is not able to pull funds at midnight on your payment date which was 3/25. Some customers tend to get paid later in the day which I believe might be the case for you. Since we attempt to collect at midnight and the funds were likely not available yet, this may be why the system opted to collect the payment via ACH. While you may see that a payment was collected in your bank account, if it is being collected via ACH, it will update in the app on the third business day. I apologize if that was not clear in the dashboard. If you have any further questions, please do not hesitate to send us an email. I am glad you were able to get through and request an other advance on 3/28. 

  Thank you,
  Magie
  Klover ****************** Team