Gerald Reviews: Complaints & Concerns

Positive

2%

Negative

98%

Many users express frustration with Gerald's cash advance app, citing misleading advertising. The app promises cash advances but requires users to spend a significant portion of the advance on overpriced items from their in-app store before accessing any funds. This practice leaves users with only a fraction of the promised advance, which they find deceptive and unhelpful, especially when in need of immediate cash. The sentiment is overwhelmingly negative, with users feeling misled and scammed by the app's business model.

App reviews talking about Advertising Accuracy:

"...they approve you for an amount but make you spend most of it on their app in a credit store..."

"...you have to spend over half of your advance in 'the cornerstore'..."

"...you get a cash advance to only use at some stupid store that sells really bizarre things..."

Positive

4%

Negative

96%

Many users complain about difficulties in canceling their subscriptions with the Gerald app. They report being unable to delete their accounts, even after multiple attempts and communications with customer support. Some users mention unauthorized charges continuing despite their efforts to cancel, while others express frustration over the lack of a clear cancellation option within the app. The sentiment is overwhelmingly negative, with users feeling trapped by a service they no longer wish to use.

App reviews talking about Subscription Cancellation:

"...still getting charges from them. And when you talk about a refund for those charges support never directly answers..."

"...refuse to cancel the other portion and close my account when I request..."

"...There is no where on this Gerald site or app to cancel subscription"

Positive

1%

Negative

99%

Many users complain about Gerald's subscription model, highlighting that it requires a membership fee and forces users to spend a significant portion of their approved cash advance on purchases from the app's store. This setup leaves users with only a small fraction of the advance available for actual cash needs, which is frustrating for those seeking emergency funds. The app's approach is seen as exploitative, targeting financially vulnerable individuals by imposing additional costs and unnecessary purchases. Users express dissatisfaction with the lack of transparency and the perceived greediness of the service.

App reviews talking about Subscription Model:

"...you have to spend almost 50$ in a marked up shop with a 15-20$ delivery fee..."

"They charge you for having g the app and then you have to spend about $30 in order to qualify..."

"...you have to use initial advance to buy stuff so you don't get money on your acct."

Positive

2%

Negative

98%

Many users complain about the Gerald app's bank compatibility issues. A recurring problem is the app's inability to connect to users' bank accounts, with frequent error messages like 'bank connection limit reached' or 'connection error.' Even when users manage to connect their bank, the app often fails to recognize it, leading to confusion and frustration. Customer support appears unhelpful, often providing generic responses without resolving the issues. This has led many to describe the app as poorly produced and unreliable, with some users suspecting it might be a scam due to its data collection practices.

App reviews talking about Bank Compatibility:

"...says I've reached my bank connection limit but I don't have a bank connected..."

"...it keeps giving me an error and however plaid emailed me saying the account was connected..."

"...Can't even connect my bank account. Ridiculous!"

Positive

5%

Negative

95%

Many users complain about Gerald's cash advance model, which requires them to spend a significant portion of their approved advance on overpriced items from the app's store before accessing the remaining funds. This practice is seen as predatory and counterproductive, especially for those seeking emergency funds. The additional costs, including high shipping fees, further reduce the actual cash received, often leaving users with less than half of the approved amount. The sentiment is overwhelmingly negative, with users feeling misled and exploited by the app's business model.

App reviews talking about Fees & Costs:

"...you have to spend $36 at your market first? Seems pointless..."

"...you have to spend half of it on a $25 on stuff that’s worth $2..."

"...spending 50$ for a 20$ advance( not including all other fees) is worst than these loan sharks..."

Positive

7%

Negative

93%

Many users express frustration with Gerald's cash advance app due to its requirement to make purchases before accessing an advance. This model is seen as counterproductive, especially for those seeking financial relief. Users are often required to spend a significant portion of their advance on items from the app's store, which they neither want nor need, leaving them with a smaller cash advance than anticipated. The sentiment is overwhelmingly negative, with many labeling the app as a scam and criticizing the lack of transparency and value in the service provided.

App reviews talking about Tip Requests:

"...you have to buy things you don’t necessarily want or need just to get an advance..."

"...I wish pay advances were available with out having to purchase something."

"...you have to spend more than half of it on something you don't need..."

Positive

15%

Negative

85%

Many users express frustration with Gerald's cash advance feature, describing it as misleading and unhelpful. The app often approves users for small advances, but requires them to spend a significant portion in the app's store, leaving them with minimal cash to transfer to their bank accounts. This requirement, coupled with additional costs like shipping, leaves users feeling shortchanged and questioning the app's utility. Several reviews label the app as a scam, highlighting dissatisfaction with the low advance amounts and the cumbersome process to access funds.

App reviews talking about Loan Amounts:

"...GOOD LUCK getting an advance, Gerald will give you $50-$60 to start off BUT you have to spend half or more than half of that in order to unlock the cash advance..."

"...I was approved for a $50 advance, they only allowed me to transfer $19 of it to my checking account, and the rest, I had to use in their Cornerstore..."

"...I got approved for 58$ then all of a sudden I had to spend 38 of the 58 on cornerstone or cranberry..."

Positive

21%

Negative

79%

Many users express frustration with the approval process for cash advances on the Gerald app. A common complaint is the requirement to spend a portion of the advance on purchases from the app's store before accessing the funds, which users find cumbersome and counterintuitive. Additionally, several users report long waiting times for verification and approval, with some waiting over a week without resolution. The sentiment is overwhelmingly negative, with users feeling misled and inconvenienced by the app's processes.

App reviews talking about Approval Process:

"...been in pending. Status for a literal week..."

"...forced to buy something from their store just to access the cash advance feature..."

"...have to spend money to borrow money, straight up the dumbest loan process ever."

Positive

26%

Negative

74%

Many users complain about the Gerald cash advance app's stability, citing frequent crashes, login issues, and persistent bugs. Users report problems such as the app not opening, difficulty connecting bank accounts, and being unable to register or log in due to errors. Some users also mention that the app requires unnecessary purchases before granting cash advances, which adds to their frustration. Despite these issues, a few users have had positive experiences with customer service, which has been helpful in resolving some technical problems. Overall, the sentiment is negative, with many users expressing dissatisfaction with the app's performance and reliability.

App reviews talking about App Stability:

"...I absolutely can not add my checking account to this! I have tried countless times and it keeps crashing!!..."

"...app says can't connect to bank. yet I got an email confirmation saying it did connect..."

"...the app is poorly produced it will ask you to connect your bank account then when you connect your bank it doesn't show up on the app..."

Positive

38%

Negative

62%

Many users express serious concerns about the security and privacy of the Gerald app. Several reviews highlight issues with unauthorized access to personal and banking information, with some users feeling trapped as they are unable to remove their bank details from the app. There are also accusations of the app being a scam, with claims of money being taken without authorization and difficulties in account recovery. While a few users praise the customer service for resolving verification issues, the overall sentiment is negative, with significant distrust regarding how personal data is handled.

App reviews talking about Security & Privacy:

"...they take all your information and bank account details only to deny you then they won't let or help you remove your bank account..."

"...they will get access to your bank info through plaid and act as if they are not connected..."

"...now you have my social security number and all my personal information with no way to request deletion..."

Positive

62%

Negative

38%

Opinions are mixed when it comes to the funding speed of the Gerald cash advance app. Many users praise the app for its fast service and quick responses from customer support, highlighting how helpful representatives like Mark, Jubelle, and Raemond are in resolving issues promptly. However, a significant number of users express frustration over the requirement to spend a portion of their advance in the app's store, which they feel is overpriced and unnecessary. Additionally, there are complaints about delays in receiving the cash advance, with some users waiting several days despite the promise of instant transfers. This has led to dissatisfaction among those who need immediate access to funds.

App reviews talking about Funding Speed:

"...they take 3 days to process your “instant” advance..."

"...waiting on the Cash Advance 2 day's now I believe my bank has no information on it..."

"...have now been waiting over 2 business days for a deposit and it hasn't happened..."

Positive

88%

Negative

12%

Users praise the Gerald app for its ease of use, highlighting how straightforward and quick it is to navigate. Many appreciate the simplicity of the process, especially when in need of a cash advance. The app is often described as user-friendly, with several users mentioning the helpfulness and efficiency of the customer service team, particularly representatives like Mark and Jubelle. However, a few users have noted that recent changes have made the app more complicated, requiring additional steps to access advances, which some find inconvenient. Overall, the sentiment is positive, with most users finding the app easy to use and beneficial.

App reviews talking about Ease of Use:

"...Easy use and good Customer service from Mark..."

"Easy to use app and advance is quick and easy..."

"...Gerard was excellent help made the process of updating my information super easy & quick..."

Positive

91%

Negative

9%

Customer support for the Gerald cash advance app is highly praised by users, with many highlighting the promptness and efficiency of the service. Users appreciate the fast response times and the ability to resolve issues such as updating phone numbers or extending repayment dates with ease. The overall sentiment is positive, with many users expressing satisfaction with the support they received, making it a standout feature of the app.

App reviews talking about Customer Support:

"...Gerard was quick to solve my issue..."

"Mark was a great help figuring out what was happening with my advance..."

"...Jubelle was very kind and helpful. Will visit again soon..."

Positive

93%

Negative

7%

Users praise Gerald's customer service for its flexibility and efficiency in adjusting repayment terms. Many reviews highlight the app's ability to extend repayment dates, often aligning them with users' pay schedules, which is a significant relief for those in financial binds. The customer service team, particularly representatives like Mark, Jubelle, Caitlyn, and Ed, receive high marks for their prompt and helpful responses. However, a few users express dissatisfaction with the requirement to spend a portion of their advance on the app's storefront and the short repayment windows, which can be challenging if the advance takes time to process.

App reviews talking about Repayment Terms:

"...Jubelle was great help to me today. They helped me extend a payment..."

"Mark was very helpful getting my payments moved when I need them moved."

"...Caitlyn was very helpful and professional..."

Positive

95%

Negative

5%

Users praise the Gerald cash advance app for its reliability, especially during times of financial need. Many appreciate the prompt and efficient customer service, with representatives like Mark and Jubelle frequently mentioned for their helpfulness. The app is often described as a dependable backup option for obtaining funds quickly, and users express gratitude for its ability to provide cash advances when needed. However, a few users have noted issues with bugs and unnecessary product purchases, suggesting that while the app is generally reliable, there are occasional hiccups.

App reviews talking about Reliability:

"...Truly appreciate that this app came thru. There's a great future for relying on Gerald advance."

"I appreciate having this app as a backup option to obtain funds when cash is low..."

"...The advance was very fast and at the moment i needed it."

What do Gerald users complain about?

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Scam reports

Overdraft reports

What users say on other topics

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