Cash Advance Apps

Beem reviews: complaints & concerns

Last Updated: Nov 13, 2025

Although Beem still holds a lifetime average rating of 3.5 from about 24 k App Store and 16 k Google Play reviews, its recent November 2025 feedback slid to 2.4. Users have flagged a variety of issues and frustrations—read on for the most common complaints and what they might mean before you try the app.

What do Beem users complain about?

Most recent Beem complaints cluster around the same headaches:

  • Unwanted fees: Dozens report being hit with monthly dues (and late fees) long after canceling or even without ever getting an advance.
  • Glitchy setup: Users say the app freezes at phone, address or ID screens, loops through bank-link steps, or crashes to a blank page—making signup impossible.
  • Advance “waitlist”: Even paid subscribers often see cash advances listed as “high demand” or “temporarily paused,” leaving them stuck at $0–$20 or on a multi-month queue.
  • Verification loops: Bank or debit cards must be re-verified over and over; some accounts sit “pending” for weeks while Beem still debits the membership fee.
  • No real help: Support lines drop calls, emails go unanswered, and tickets get marked “resolved” without fixes—leaving many to label the service a scam.
App reviews talking about Complaint:
"...I tried to close my account, even deleted the app! Yet am I still being billed for a “membership fee” I do not utilize!..."
"...I wanted to deactivate my account, however when I click on delete account I get a pop up that says I have to do so on the website..."
"...I’ve written to support 3 times regarding problems with the app. It freezes right after logging in..."

Scam reports

We came across well over 100 App Store posts that straight-up call Beem a scam, most of them written in 2024-25 and focused on surprise charges, frozen accounts and ghost-mode support.

The big gripe is subscription fees: people say they keep piling up (sometimes for years) and you can’t cancel until you pay everything—including late fees—so the meter keeps running. Users also report handing over bank logins, ID photos and small “verification” payments only to be trapped in a never-ending “can’t verify card” loop while the monthly fee goes through just fine.

A handful mention unauthorized withdrawals or fear their data is being sold, prompting complaints to banks, the BBB and even talk of lawsuits. In short, these scam reports paint a picture of an app that grabs your info and money first and delivers little back.

App reviews talking about Scam:
"...am still being billed for a membership which is causing a balance!..."
"...they dramatically mislead you!!..."
"...this app has got to be the worst app I think I’ve ever tried to use..."

Overdraft reports

We found about 15 overdraft complaints; most say Beem pulls repayments early, sometimes several times in one day, or the moment any deposit lands—wiping accounts to $0 and even pushing balances $80+ into the red. One person had an insurance payout trimmed for past-due fees and then couldn’t move the remaining $810 for weeks.

Others report canceled subscriptions still billing ($35 monthly or an unexpected $265), with unauthorized withdrawals stacking up new overdraft fees. Several reviews add that the app never shows a clear due date, so users can’t predict the next debit, and support replies feel canned or slow.

App reviews talking about Reported Overdraft:
"...they cleaned me out not even a week after I got the advance..."
"They debited multiple times out of my account in one day..."
"...they continue to overdraw my account. you have no idea when they will attempt to collect..."

What users say on other topics

Positive
2%
Negative
98%
Many users complain about Beem's advertising accuracy, highlighting a significant gap between what the app promises and what it delivers. The app is often described as misleading, with users unable to access the advertised cash advances. Instead, they encounter waitlists, subscription fees, and promotional offers that don't materialize into actual cash. Several reviews mention that the app's claims of 'quick cash' and 'no income restrictions' are false, as users are frequently denied access to funds despite meeting the criteria. Additionally, the app is criticized for bombarding users with notifications and failing to provide transparent information upfront.
App reviews talking about Advertising Accuracy:
"...they tell that they will give you $50 Emergency cash if you subscribe to their service, but after you subscribe, they tell you that they are “at capacity”..."
"...the imagery on the App Store says “no income restrictions” but I linked multiple accounts with income and lots of transactions and it says to link an account with income..."
"...the cash advance displays a message saying it is unavailable, so that's already false advertisement..."
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