Empower Reviews: Complaints & Concerns

Empower reviews: complaints & concerns

Last Updated: Nov 13, 2025

Although Empower still holds a lifetime average of 4.7 from 335,715 App Store and 269,882 Play Store reviews, recent feedback in November 2025 has slipped to 3.1. That drop comes with a surge of complaints—from funding delays to app glitches—so let’s unpack what users are calling out and how serious these issues might be.

What do Empower users complain about?

Login fails: Dozens of reviewers say the revamped app won’t accept Face ID, passwords or 2-factor codes—many are permanently locked out.
Forced migration: The switch from Personal Capital to the new Empower app left some users stuck on a blank screen, demanded SSNs again, or bounced them between two separate log-ins.
Data missing: After updating, people report vanished transactions, empty account balances and widgets that never refresh.
Tiny font & UI bugs: Complaints pile up about unreadable text, broken menus and pages that crash or reload forever.
Hard to reach help: Calls route to automated lines, emails get canned replies and in-app links to support crash, leaving users without fixes.

App reviews talking about Complaint:

"...locked me out and made it hard for me to pay a $8 sub fee due to a account being closed out..."

"...app does not function properly. getting help is apparently impossible and the chat bot is useless..."

"...I can't sign into this app. I've spent over an hour doing what the chat bot tells me to do. Nothing works..."

Scam reports

We dug through the latest feedback and found about 20 recent reviews flagging Empower (now Tilt) as a scam. Many say they never saw a single advance yet still get hit with the $8 “subscription” every month and call the company “thieves” or “shysty.”

The recurring theme is mystery debits: folks report surprise pulls of $8, $100, $200—even $450—after canceling or being denied a loan, with customer support doing little beyond canned replies. Several reviewers ended up canceling their cards or filing fraud claims to stop the charges.

A chunk of users also can’t log in after the rebrand, worry their SSN and bank data were phished, or link Tilt transactions to unrelated DoorDash hacks. One retirement-account holder even says Empower held their funds hostage, confirming the broad concern that money goes in easily but doesn’t come back without a fight.

App reviews talking about Scam:

"...they have been charging me $8 a month but I have NEVER been able to borrow money from them..."

"...they still money from my back account. Last time I take money from then they charge me but this time they charge me 450 dollars..."

"...I canceled my subscription and I still continue to charge my account no one will contact me about getting refunded ridiculous scam..."

Overdraft reports

We spotted three overdraft complaints tied to Empower, all pointing to money being pulled before cash was on hand or without clear permission.

One reviewer reports a sudden $450 debit with no advance received, another keeps getting an $8 membership fee after canceling and fears a $35 NSF, and a third says the app sets repayments before payday, expecting a $15 bank hit unless the date is shifted.

App reviews talking about Reported Overdraft:

"...they charge me 450 dollars and I haven't get any advance..."

"I cancelled my membership months ago and they are still charging me..."

"...they'll probably bounce my bank tomorrow and cause me a bank fee..."

What users say on other topics

Positive

Negative

97%

Many users complain about difficulties in canceling their subscriptions with Empower, often citing unauthorized charges even after attempting to cancel. Several reviews mention being charged monthly fees despite not having access to their accounts or having already canceled their subscriptions. Users express frustration with customer service, describing it as unhelpful or unresponsive, and some report needing to change their bank details to stop the charges. The sentiment is overwhelmingly negative, with users feeling trapped by a service they no longer wish to use.

App reviews talking about Subscription Cancellation:

"...they are still charging me the 8.00 they said they would cancel and not charge my account..."

"...I canceled my subscription and I still continue to charge my account..."

"...they keep charging me the monthly fee EVEN THOUGH I CANT ACCESS ANYTHING..."