Beem reviews: complaints & concerns
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.
On this page
Table of contents
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.
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.