Very Bad Customer Service Very Bad Customer Service - Don't Use. Needed (and still need as no follow up yet) a simple change on my account. Put in a ticket, sent my info and heard nothing. They eventually closed my ticket without addressing my concern. To make a long story short, I put in multiple tickets and have been waiting over 4 weeks. Worst customer service I'd ever experienced.

Scam alert! I "deposited" $400 from a 20 year old BofA account so I could start to use their app and I also requested their card. The money was taken out of my account but I lost access to the app. No reason given from the app. The card was never sent to me. I submitted a ticket and they said my account was suspended but didn't give a reason. They gave me a long list of things I had to give them like selfies with the date somehow shown (who gets a newspaper anymore?), biometrics, mortgage info, etc.. I refused to jump through their hoops and requested my money back. They stopped answering my emails. There's NO phone number to call! I thought that was illegal for financial institutions but somehow they're doing it. I found three different cities which they are supposedly from which is curious. All this makes me think they are a fully scam company. Now I'm out $400 and I have absolutely no recourse. What a sham!

Rewards cut in half They cut rewards in half. Not worth the effort. They refused to refund my spin plus annual fee of $100 after using it only 3 months.

Fold Took More Than They Gave I had paid for the Fold card membership and used it quite a bit when they had the option of buying Amazon cards. But once they stopped having the Amazon option there wasn't a motivation for me to use it much. Little did I know but they had started charging me a monthly fee for non regular use, that went on for a while without me knowing until they depleted my Fold debit card account of the funds I had deposited. Not very enticing for a customer.

Scary bad Cybersecurity Looked through their code base. Their security protocols are terrible. Don't know if I could come up with a worse architecture design to buy/store/trust as my bitcoin holders