Is Dave App Legit?

Positive

2%

Negative

98%

Many users complain about unauthorized subscription charges from the Dave app, even after attempting to cancel their accounts. A recurring issue is the app charging small fees, such as $1 or $3, without users' consent or after they have deleted the app. Frustration is compounded by the lack of responsive customer service, making it difficult for users to resolve these issues. The sentiment is overwhelmingly negative, with users feeling trapped by a service they no longer wish to use.

App reviews talking about Subscription Cancellation:

"...charged my bank account $1 for subscription fee without me knowing..."

"Still charging me after canceled membership..."

"...I canceled my dave but am still being charged 5.00 for the service"

Positive

4%

Negative

96%

Many users complain about being charged a subscription fee without their consent or knowledge. A recurring theme is the surprise of seeing a monthly fee deducted from their accounts, often without having completed the setup process or having used the app's services. The charges range from $1 to $5, and users express frustration over the lack of transparency and the difficulty in obtaining refunds. Some users feel misled, as they were not informed about the subscription fees upfront, leading to a negative experience with the app.

App reviews talking about Subscription Model:

"...a fraudulent App that will charge you a $3 subscription fee without you knowing it or agreeing to it..."

"I don't ever remember agreeing to pay 3 bucks a month and now I'm out 3 bucks :/"

"...charged my bank account $1 for subscription fee without me knowing..."

Positive

14%

Negative

86%

Many users express serious concerns about the security and privacy of the Dave app. A recurring issue is unauthorized transactions, with some users reporting that Dave withdrew money from their accounts without permission, even after they had locked their cards or closed their accounts. There are also allegations of personal information being mishandled, with claims of data being leaked to the dark web or sold to third parties. The sentiment is overwhelmingly negative, with users feeling that their financial and personal information is not safe with Dave.

App reviews talking about Security & Privacy:

"...they kept my banking info and took $ on 6/23..."

"...Dave has leaked some of my information to the dark web..."

"...THEY STILL SOMEHOW CAN WITHDRAW THE MONEY..."

Positive

16%

Negative

84%

Customer support is reported to be a major pain point for users of the Dave app. Many users express frustration over the lack of responsiveness and the difficulty in reaching a human representative. Complaints highlight that emails often go unanswered, and the chat function frequently leads to automated responses rather than real assistance. Users also report being stuck in loops when trying to resolve issues, with some stating that their accounts were closed without explanation. The sentiment is overwhelmingly negative, with users feeling unsupported and let down by the service.

App reviews talking about Customer Support:

"...emails go unanswered, their chat function takes you to a Q&A and when you select Chat with a live agent you are put in an endless loop..."

"...I have been contacting support for weeks with no response..."

"...Customer service is no help and very rude. The way they do business is despicable..."

Positive

18%

Negative

82%

Many users complain about the Dave app's stability, citing frequent crashes, login issues, and persistent bugs. A common grievance is the app's inability to link debit cards or bank accounts, which hinders users from accessing the extra cash feature. Several reviews mention being locked out of their accounts after updates or changes in personal information, with customer support being unresponsive or unhelpful. Error messages like 'code 403' and issues with app updates are frequently reported, leaving users frustrated and unable to use the app effectively. Overall, the sentiment is negative, with users expressing disappointment over the app's declining functionality.

App reviews talking about App Stability:

"...app keeps telling me error code 403..."

"...app keeps saying there is an issue adding the card to the app..."

"...app is no good if you can't use it..."

Positive

23%

Negative

77%

Many users complain about significant issues with bank compatibility when using the Dave app. A common problem is the inability to link or maintain a connection with their debit cards or bank accounts, which leads to frustration and inconvenience. Some users report that their cards were removed without explanation, and attempts to re-link them were unsuccessful, often resulting in blocked transactions or reduced cash advance limits. Customer service is frequently criticized for being unhelpful, with users feeling left without solutions to their banking issues. Overall, the sentiment is negative, with many users expressing dissatisfaction and considering closing their accounts due to these persistent problems.

App reviews talking about Bank Compatibility:

"...it literally makes no since to accept a checking account, but not accept the debit card linked..."

"...my debit card was removed after I’ve been using the app the entire time and when I try to go in and add it again, it comes up as an issue..."

"...I couldn't get my bank account linked!! Lots of problems in this app!!"

Positive

29%

Negative

71%

Many users express frustration with Dave's advertising, labeling it as misleading and false. A common complaint is the promise of quick cash advances up to $500, which often results in much smaller amounts being offered, such as $20 or $25, after collecting personal information. Some users also mention being charged unexpected fees, like a $3 monthly subscription, without prior notice. Additionally, the app's surveys are criticized for being deceptive, often disqualifying users after significant time investment. Overall, the sentiment is negative, with many feeling misled by the app's promises.

App reviews talking about Advertising Accuracy:

"...FALSE ADVERTISE WHAT IS REQUIRED IN ORDER TO RECEIVE EXTRACASH !!!!..."

"Advertising $500 just to offer you $25 only after taking down ALL of you personal information..."

"...the surveys are a scam. you start filling them out then get disqualified..."

Positive

36%

Negative

64%

High fees are a common complaint among users of the Dave app. Many users express frustration over the app's recent changes, which now require advances to be split into multiple transactions, each incurring separate fees. This has led to users feeling that they are being charged excessively, with some describing the fees as predatory and likening the app to a payday loan service. While some users appreciate the transparency of fees and the app's ability to provide quick cash in emergencies, the sentiment is largely negative due to the perceived increase in costs and the impact on users' financial stability.

App reviews talking about Fees & Costs:

"...now they split the extra cash amount so they can profit an extra 5.00 from the charge..."

"Dave charges me 5dollars per cash advance and breaks them up into two different payments..."

"...they split it in half so you owe '5' fees for both amounts if you want to pull em..."

Positive

35%

Negative

65%

Many users express frustration with Dave's repayment terms, highlighting issues with unexpected early withdrawals and inflexible repayment schedules. Several reviews mention that the app often takes repayments before the agreed payday, causing financial strain and overdraft fees. Users also criticize the lack of payment extensions or flexible repayment options, which can exacerbate financial difficulties. While some appreciate the app's convenience and reasonable fees, the overall sentiment is negative due to these repayment issues.

App reviews talking about Repayment Terms:

"...they take all my money Friday morning before I could do anything with my paycheck..."

"...no payment extensions or flexible repayment options..."

"...they take the repayment back in a week? That is not helpful or good practice..."

Positive

44%

Negative

56%

Many users express frustration with Dave's approval process, citing issues with identity verification and inconsistent loan amounts. Several reviews mention being unable to get approved despite having regular income or being long-time users. Others report that their eligibility fluctuates without clear reasons, leading to confusion and dissatisfaction. Some users also complain about the app's inability to verify their identity, which prevents them from accessing funds. Overall, the sentiment is negative, with users feeling misled and disappointed by the approval process.

App reviews talking about Approval Process:

"...I guess Dave decided I wasn't a real person? they wouldn't tell me why they couldn't verify my identity..."

"complete waste of my time and effort. I work two jobs and get paid bi-weekly from both... still am not eligible for a cash advance..."

"...how is is extra cash if you wont approve me? FALSE ADVERTISING!"

Positive

45%

Negative

55%

Many users express frustration with the fluctuating loan amounts offered by the Dave app. Despite having a history of timely repayments, users report that their borrowing limits often decrease unexpectedly, sometimes dropping from several hundred dollars to as low as $25. This inconsistency is a major point of contention, as it leaves users unable to rely on the app for financial emergencies. Some users also mention that the app's customer service is unhelpful in resolving these issues, leading to dissatisfaction and a sense of being misled by the app's promises. While some users appreciate the initial help the app provides, the unpredictable loan amounts and lack of transparency overshadow these benefits.

App reviews talking about Loan Amounts:

"...the Extra Cash feature tends to fluctuate from $100 up to $500 and when I have a history of paying back all my borrowed money, the amount changes and it’s lower..."

"I use to be able to get 400 now it’s 175 or 200. I have never missed a payment or been late with a payment..."

"...they just dropped my $500 advance to $300 right when I need it the most. I pay early every single week and this is the thanks I get!..."

Positive

85%

Negative

15%

Users praise the Dave app for its quick funding speed, often highlighting how fast they receive cash advances when in need. Many reviews mention receiving funds within minutes, making it a reliable option for emergencies or unexpected expenses. The app is appreciated for its ease of use and the convenience it offers, with several users noting that it has been a lifesaver during financial crunches. While the sentiment is overwhelmingly positive, a few users have experienced delays in the repayment process, which can be frustrating. Overall, the app is seen as a fast and efficient solution for short-term financial needs.

App reviews talking about Funding Speed:

"...you literally receive your extra cash limit within 5 minutes..."

"Moneys there pretty fast and always alerts me of overdrafts!"

"...Dave let me borrow the money in less than an Hour! It was in my bank account already..."

Positive

93%

Negative

7%

Users praise Dave for its role in enhancing their financial education and management skills. Many appreciate the app's ability to help them manage money responsibly without high interest rates, and some mention it as a great starting point for learning about finances. The app is credited with providing financial assistance and support, helping users build credit, and offering features like goal setting and credit score improvement. Overall, the sentiment is positive, with users finding the app beneficial for improving their financial literacy and management.

App reviews talking about Financial Education:

"...it built my bridge to learn more from other apps like Albert and MoneyLion..."

"I'm happy to say that this app is not a gimmick or scam. Does exactly what it says and actually supports you in improving money management skills..."

"...you can check and improve your credit scores, and you can also you can make goals..."

Positive

94%

Negative

6%

Users praise the Dave app for its ease of use, highlighting how simple and straightforward it is to navigate. Many appreciate the quick setup process and the convenience of accessing funds when needed. The app is often described as user-friendly, with several users noting that it only takes a few minutes to get started and receive cash advances. While most reviews are positive, a few users mention minor difficulties with certain features, such as changing payment details. Overall, the sentiment is overwhelmingly positive, with users finding the app to be a reliable and hassle-free solution for short-term financial needs.

App reviews talking about Ease of Use:

"...so easy to use..."

"easy to use, always delivers!"

"...easy to use app. Thank you for helping me through a rough patch..."

Positive

98%

Negative

2%

Users praise Dave for its reliability, often describing it as a lifesaver during financial crunches. Many appreciate the app's ability to provide quick cash advances, which helps them avoid overdraft fees and manage unexpected expenses. The sentiment is overwhelmingly positive, with users frequently mentioning how the app has been there for them in times of need, offering a dependable financial safety net. The app's straightforward and honest approach is also highlighted, with users recommending it to others in similar situations.

App reviews talking about Reliability:

"...always been able to help me on days when we come up short..."

"Dave is always there when I need it..."

"...always comes through when I need extra cash..."

Positive

100%

Negative

0%

Users praise Dave for its effective overdraft protection, highlighting how it helps them avoid costly bank fees. Many describe the app as a 'lifesaver,' appreciating its timely alerts about potential overdrafts and the ability to borrow money quickly when needed. The app's repayment terms are generally seen as fair, and users value the transparency regarding fees. However, some caution against over-reliance on the service to avoid getting caught in a borrowing cycle. Overall, the sentiment is positive, with users finding Dave to be a reliable tool for managing their finances and preventing overdrafts.

App reviews talking about Overdraft Protection:

"...avoid overdraft charges to my checking account..."

"Love that I can barrow when I need and not have to pay overdraft fees..."

"...gave me heads up about incoming purchases that can cause overdraft..."