Empower Reviews: Complaints & Concerns

Positive

1%

Negative

99%

Many users complain about the difficulties in canceling their subscriptions with Empower, often citing unauthorized charges even after attempting to close their accounts. The process to cancel seems cumbersome, with reports of prolonged waiting periods, sometimes extending beyond 45 days, and unresponsive customer service. Users express frustration over recurring charges despite having canceled their subscriptions, with some resorting to legal action or contacting their banks to stop payments. The sentiment is overwhelmingly negative, with users feeling trapped by a service they no longer wish to use.

App reviews talking about Subscription Cancellation:

"...it has been over 2 months and my account is still not canceled despite continuously following up..."

"...I canceled my subscription/account. I have proof of an email they sent back saying everything was deleted..."

"...I deactivated this and my account was still charged. I never used it..."

Positive

7%

Negative

93%

Many users are frustrated with the Empower app's stability, particularly after recent updates. A significant number of reviews highlight issues with logging in, with users frequently locked out or encountering endless loops of error messages. The app's biometric login features, such as Face ID, are often reported as broken, forcing users to revert to manual password entry, which is also problematic. Crashes and freezes are common, making the app unreliable for many. Users express disappointment, especially those who had positive experiences with the app before it was acquired by Empower. The sentiment is overwhelmingly negative, with many considering switching to alternative apps due to these persistent issues.

App reviews talking about App Stability:

"...Following the latest (forced!) update, i’m nolonger able to login using touchid or faceid…"

"...this terrible app prevents logins for various reasons (constant maintenance, bugs, failures, etc.)..."

"...Face ID has been broken, shoots an error message. Ironically, if I try to sign in with a password, which also uses Face ID, it signs in fine..."

Positive

11%

Negative

89%

Many users express significant concerns about the security and privacy of the Empower app. A recurring issue is the app's reliance on outdated security measures like SMS and email for two-factor authentication, which users find inadequate for a financial app. There are numerous complaints about login difficulties, with users being locked out of their accounts and unable to access their funds. Some users report being asked for sensitive information like Social Security numbers and facial recognition, which they find intrusive and unnecessary. Additionally, there are allegations of the app mishandling personal data, with some users fearing their information might be sold or misused. Overall, the sentiment is overwhelmingly negative, with users feeling insecure about their data and frustrated with the app's functionality.

App reviews talking about Security & Privacy:

"...Empower still relies on SMS and email for 2FA..."

"...I was asked to do face recognition for this app since when does a money borrow app ask for facial recognition..."

"...Empower has all my data and won’t allow me to login or get it or delete it."

Positive

15%

Negative

85%

Many users complain about the subscription model of the Empower cash advance app, now known as Tilt. A recurring issue is unauthorized charges, with users reporting being billed monthly fees even when they haven't subscribed or can't access their accounts. The subscription fee, often cited as $8, is seen as excessive, especially when users receive minimal or no cash advances. Some users feel misled, as they are charged without receiving the promised services, and express frustration over the difficulty in canceling the subscription. Overall, the sentiment is negative, with many users feeling scammed by the app's subscription practices.

App reviews talking about Subscription Model:

"...this app keeps stealing my money. I am not a member and they keep charging my account $8 every month..."

"I never used the app and I'm being charged..."

"...they have been taking 8 dollars out of my account when it was originally 6 for 6 months..."

Positive

15%

Negative

85%

Many users express frustration with Empower's bank compatibility issues, which seem to be a significant barrier to using the app effectively. Common complaints include difficulties in linking bank accounts, with some users unable to connect their accounts at all, while others face repeated disconnections. The app's inability to support certain banks or cards, such as Robinhood and Apple Card, is frequently mentioned. Users also report problems with logging in, often getting stuck in loops or facing errors that prevent access. These issues have led to dissatisfaction, with some users considering switching to alternative apps.

App reviews talking about Bank Compatibility:

"...keep trying to add my bank info and it never accepts it..."

"...my bank account was delinked. I've been trying to reconnect which I did then I kept getting a message that something went wrong..."

"...unable to remove or update bank account. called customer service 8 times..."

Positive

27%

Negative

73%

Many users complain about the fees associated with the Empower cash advance app, particularly the recurring $8 monthly subscription fee that seems to be charged even when users are not actively using the service or have attempted to cancel. There are numerous reports of unauthorized charges and difficulties in stopping these payments, leading to frustration and accusations of the app being a scam. While some users appreciate the quick cash advances and low fees for transactions, the overall sentiment is negative due to the unexpected and persistent charges.

App reviews talking about Fees & Costs:

"...charged me an $8 fee I was not told about and I have no way to cancel it..."

"...they keep charging 8 dollars out of my account like I signed up for a program..."

"...I unsubscribed to Tilt and they took two months at $8 each..."

Positive

27%

Negative

73%

Many users complain about the balance reporting feature in the Empower app, particularly after recent updates. The removal of the total balance view across multiple accounts has frustrated users who previously relied on this feature for a comprehensive financial overview. Users now have to manually calculate their total holdings, which they find inconvenient and time-consuming. Additionally, some users report issues with the balance graph not displaying correctly, further diminishing the app's utility for tracking finances. Overall, the sentiment is negative, with users expressing dissatisfaction over these changes and the app's current functionality.

App reviews talking about Balance Reporting:

"...the removal of the total balance of all of my accounts, as well as the removal of the balance over time graph are irritating..."

"I used to be able to see the combined total, but I can’t see that now..."

"...the balance over time chart has been broken and not visible for weeks."

Positive

30%

Negative

70%

Many users express frustration with Empower's advertising accuracy, feeling misled by promises of larger cash advances that don't materialize. Several reviews highlight discrepancies between advertised offers and actual amounts received, with some users only being offered $25 despite expecting more. There are also complaints about the app's aggressive advertising tactics and intrusive ads, which detract from the user experience. While a few users report that the app delivers as promised, the overall sentiment is negative, with many feeling deceived by the app's marketing claims.

App reviews talking about Advertising Accuracy:

"...offering me only 25 dollars is ridiculous when I make more then enough for a way bigger loan do not listen to the hyped up advertising..."

"...false advertisement $400 more like $25..."

"...do not use this app mislead you i pay cash advance back on time everytime still get the same low offers..."

Positive

33%

Negative

67%

Customer support for the Empower cash advance app is widely criticized by users. Many report long wait times for responses, often receiving only automated replies without resolution. Users express frustration over unresolved issues, such as account access problems, incorrect charges, and difficulties in updating personal information. Some mention that even when they manage to contact support, the assistance provided is inadequate or unhelpful. Overall, the sentiment is negative, with users feeling neglected and dissatisfied with the level of support provided.

App reviews talking about Customer Support:

"...customer support services really suck at responding timely..."

"...support is horrible. Every time I call I get hung up on..."

"...customer service is completely useless. Just automated replies no real help with anything."

Positive

46%

Negative

54%

Many users express frustration with the approval process of the Empower cash advance app. Common issues include being unable to sign up due to vague 'invalid input' errors, difficulties in verifying identity, and inconsistent approval decisions. Some users report being approved quickly and receiving funds in minutes, while others face repeated rejections despite meeting the app's stated requirements. The sentiment is largely negative, with users feeling misled by initial promises of easy approval.

App reviews talking about Approval Process:

"...they'll tell you you qualify to get you to download the app, and then once you download the app, they'll tell you that you're not qualified..."

"...I have verified myself 4 times said completed and approved each time. Then send me back to log in page..."

"...I can't borrow the money. I've been waiting days and still an unexpected error..."

Positive

48%

Negative

52%

Opinions on the repayment terms of the Empower cash advance app, now known as Tilt, are mixed. Many users appreciate the ease of borrowing and the straightforward repayment process, with some praising the app for its flexibility in adjusting installments and clear terms. However, several users express frustration over repayment processing delays, unexpected early withdrawals, and the inability to align repayment dates with their paychecks. Some users also report issues with the app's system, such as being charged twice or having their repayment limits reduced despite timely payments. Overall, while the app is helpful for quick cash advances, the repayment process could be more user-friendly and consistent.

App reviews talking about Repayment Terms:

"...app makes it easy for me to adjust my installments from week to week..."

"...repay your advances with a debit card or credit card, not directly from bank account bc it takes way too long..."

"...charged my account 3 days early now my balance is in the negative..."

Positive

65%

Negative

35%

Opinions on the auto advances feature of the Empower app are mixed. Some users appreciate the quick access to cash advances and find the service helpful in managing their finances, especially during unexpected expenses. However, there are significant complaints about unauthorized withdrawals and difficulties in stopping these transactions. Several users report feeling scammed, as money is taken from their accounts without their consent, leading to frustration and distrust. While some users find the app beneficial, others warn of potential financial pitfalls.

App reviews talking about Auto Advances:

"...money comes through quickly. Doesn't just take money out when I have extra money in my account."

"this app refuses to stop taking money out of my account with its autosave feature..."

"...I never requested any cash advance scamming thieves..."

Positive

69%

Negative

31%

Opinions are mixed when it comes to the loan amounts offered by the Empower cash advance app. Many users appreciate the quick and easy access to small loans, often starting at $10 or $25, which can be a lifesaver in emergencies. However, there are frequent complaints about the inconsistency and unpredictability of loan amounts. Some users report that their available loan amounts decrease unexpectedly, even after timely repayments, which leads to frustration. Others wish for higher initial loan amounts or the ability to request multiple loans simultaneously. Despite these issues, some users find the app helpful for short-term financial needs, especially when other options are unavailable.

App reviews talking about Loan Amounts:

"...offering me only 25 dollars is ridiculous when I make more then enough for a way bigger loan..."

"I was able to borrow $500 with 'Cash Advance.' I worked my way up to that from just $50..."

"...they started me out with $50 cash advance... wish it was at least $100..."

Positive

80%

Negative

20%

Users praise the Empower cash advance app for its ease of use, highlighting how straightforward and quick the process is to get a cash advance. Many users appreciate the app's user-friendly interface, which allows them to navigate and access funds without hassle. The app is often described as fast, simple, and reliable, making it a go-to solution for those in need of quick financial assistance. While the overall sentiment is positive, a few users mention minor issues with login or navigation, but these are overshadowed by the overwhelmingly positive feedback on the app's functionality and convenience.

App reviews talking about Ease of Use:

"...easy to get all signed up and receive my money..."

"easy setup, fast access"

"...very easy to work with..."

Positive

83%

Negative

17%

Users praise the Empower app for its financial education features, highlighting its ability to help manage money better and improve budgeting skills. Many appreciate the app's user-friendly interface and the insights it provides into spending habits, which aids in financial planning and responsibility. Some users mention that the app has been instrumental in helping them rebuild their credit and manage loans effectively. However, there are a few concerns about inaccuracies in income tracking and savings projections, which can lead to misleading financial insights.

App reviews talking about Financial Education:

"...excellent app for financial planning. User friendly..."

"...helps you manage your money better in the future..."

"...app is not picking up my actual employer or paychecks so it keeps grabbing wrong info..."

Positive

83%

Negative

17%

Users praise Empower's budgeting tools for their ease of use and comprehensive financial tracking capabilities. Many appreciate the app's ability to seamlessly integrate with various accounts, providing a clear overview of cash flow, expenses, and net worth. The app's user-friendly interface and helpful features, such as customizable time selections and manual data updates, are frequently highlighted. However, some users express dissatisfaction with occasional data inaccuracies and syncing issues, particularly after Empower's acquisition of the app. Overall, the sentiment is positive, with users finding the app rewarding and beneficial for financial planning and budgeting.

App reviews talking about Budgeting Tools:

"...excellent app for financial planning. User friendly..."

"...helps me budget my finances..."

"...best financial tracking app...easy to track income/expenses..."

Positive

96%

Negative

4%

Users praise the Empower app for its impressive funding speed, with many highlighting how quickly they received cash advances, often within minutes. The app is frequently described as fast, easy to use, and reliable, making it a go-to solution for those in urgent need of funds. While the majority of reviews are positive, a few users have experienced delays or issues with payment processing, but these seem to be exceptions rather than the rule. Overall, the sentiment is overwhelmingly positive, with users appreciating the app's efficiency and ease of access to funds.

App reviews talking about Funding Speed:

"...easy to get all signed up and receive my money..."

"Great app, no lies advanced me. Cash as soon as I needed it..."

"...money was in my account in under 5 minutes..."

What do Empower users complain about?

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Scam reports

Overdraft reports

What users say on other topics

Complaints about Empower

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