POINTS IS A BRILLIANT IDEA -

Point terminated my account when I questioned them Unfortunately I have been the victim of a suspected fraudulent company. I found Point App (Point.App) that is managed by Radius Bank to provide my online and self-employment banking needs. I was shocked at the $99 annual fee, but reluctantly paid it thinking that I would be able to have a bank I could trust and rely on. My issues started when Point allowed a $1,300.00 CashApp transaction to be made using my debit card. I immediately called them and flagged it as fraud. I was told that NO provisional credit would be issued whatsoever. I was told that "Regulation E", which requires banking and financial institutions to provide a provisional credit to your account within 10-business days of a fraudulent transaction reported, did not apply to them. This is a lie and deceptive business practices. My dispute was closed on Day 8, saying that they saw "no wrongdoing". Fast forward a few weeks and I had an item that was never delivered. This was for $1,028. I waited a few days and waited for a response, to which a dispute was opened on 9/18/2021. The dispute team started their investigation on 9/20/2021, and I was told by Aubrey at Point that I would have my credit issued by the end of business on 10/1/2021, which is today. I contacted their customer service and was told that she misspoke, and it is "10 full business days, not just 10 business days". This is a lie. They did not want to provide any sort of provisional credit. I now just received an email saying that after my ticket (citing Regulation E) was escalated, they have closed by bank account permanently and effectively. This is absolutely wrong and vile. Point offers almost zero customer service, and has no backing whatsoever. When they were caught violating Regulation E laws with provisional credit, they immediately terminate your account because they "are god". Beware of this company who can just up and nilly-willy close bank accounts when you try to correct them. The CEO and Founder, Patrick Mrozowski, refuses to manage his company, Point, and it is doomed to fail.

Membership fee paid and cannot access account I signed up on the website. There they ask you to pay your membership fees. I assumed, since they were accepting payment already, that my account would be accessible online. Other apps like Sofi have this option. Nope. I have an older phone and the app is not compatible. I reached out to customer service and was told I should just “buy a new phone”. Since then, all customer service has done is promise to get back to me, or send smart ass responses. They were quick to respond while I was commenting on their social media accounts, but then communication moved off social media and it was back to the same old no response.

Love my card I've had my account for six months now and made hundreds of dollars in cash back. It's nice to earn high rewards without worrying about the interest charges that I sometimes get with credit cards.

If I could give zero stars I would! If I could give zero stars, I would. Someone somehow got into my account and bought gift cards with all my money. They left $14.62 in my account. Point customer service is basically non-existent. No phone number to call. Only email and text message support. There has been almost zero communication from Point in trying to resolve my issue. It has been 6 days since I opened a ticket and not even one communication since that day. I am still trying to get support to update me and they are not responding to my pleas. This bank's support sucks BIG-TIME!