Klover reviews: complaints & concerns

Based on hundreds of fresh reviews posted through late 2025, here’s what stands out:

• Point grind: Most advances now require racking up thousands of “points” by watching ads, playing games or signing up for other services; some users still only unlock $5.
• Shrinking limits: Borrowers say their offer can swing from $300 to $25—or vanish—despite flawless repayment.
• Surprise fees: $4.99 monthly memberships, instant-transfer fees up to $20 and early or duplicate withdrawals have triggered overdrafts and refund fights.
• Endless glitches: App loops on debit-card verification, login errors, bank disconnects and crashes keep many from accessing cash.
• Support void: Help tickets often auto-close or sit unanswered for days, and extensions on repayment are reportedly gone.

We sifted through roughly 50 recent one-star reviews that literally use words like “scam,” “fraud,” or “thieves” when talking about Klover. The biggest pattern is users paying the $4.99+ “Klover Plus” fee (or other surprise debits up to $30) even after canceling—and saying support either ghosts them or sends a bot reply.

Plenty of folks claim they never receive an advance at all: you earn points by downloading apps, paying for offers, or playing games, but many say the points don’t post or the app keeps asking them to re-link a debit card in an endless loop. A few users report account balances drained to zero or mysterious third-party charges after connecting their bank.

Several reviewers even worry about data security, noting login attempts from random locations and warning others that Klover might “leak” or sell credentials. A handful say they’re filing disputes with their bank, the FTC, or plan to report the app store because they feel trapped in a cycle of unwanted fees with no live help.

We spotted roughly a dozen overdraft complaints. Most say Klover hits their bank before deposits land, or changes the repayment date without notice—one user saw two separate $267 pulls, another watched a single $125 advance repayment stay “processing” long enough to push the account negative.

A few reviewers report duplicate or unauthorized withdrawals that emptied their balance or sparked back-to-back NSF fees, and several add that slow customer support makes fixing the issue tough or impossible.