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Acorns Review

Invest spare change from your day to day purchases

Reviews 365
Acorns
Acorns
Average
Reviews 365
Visit Site
Catherine Miller
Nov. 15, 2022
1 min read
Catherine Miller
Acorns Summary
Acorns is an investment-focused online banking solution with a range of features to support your financial wellbeing. Not only does it offer an easy-to-use service with low minimum investment, the Spend checking account automatically invests your spare change to help you save. Although it doesn’t have all the products that traditional banks offer, Acorns is a great choice if you’re starting to invest and want to manage your money on the go.

Pros

  • Smart Deposit divides your paycheck into accounts of your choice
  • Automatically invest Spending round-ups from your debit card
  • Invest in environmental, social, and governance (ESG) portfolios

Cons

  • Doesn’t offer a full range of financial products
  • Can’t open a joint account

Acorns at a glance

8.8
Editorial score

Fees?

Yes, low fees
6.0

Security

FDIC insured, SSL/AES encryption and supports 2 factor and biometric authentication
10.0

Customer service

Early morning, evening and weekend service with multiple communication options and a dedicated fraud team
8.0

Online experience

Excellent user friendly site with transparency of rates and full online banking capabilities
10.0

Mobile experience

Excellent mobile app with all mobile banking features enabled, including digital check deposits
10.0

Acorns Acorns Visit Acorns

Advantages Over Traditional Banks

Acorns makes it easy and affordable to start investing, unlike some traditional services. You can open your investment account with just $1/month. You can also invest your small-change round-ups, either from your Spend checking account or by connecting other external accounts. Acorns has also recently introduced a special suite of sustainable ESG portfolios to meet the needs of modern investors.

Cutting-Edge Banking Services

Acorns lets you manage a range of accounts (investment, checking, retirement, and junior investment) from one platform. It’s therefore easy to transfer your money between your accounts. The Smart Deposit feature makes this even simpler as it will automatically divide up your paycheck between spending and investing accounts. What’s more, spending through your Acorns checking account can not only roll your spare change into your investment account but can also earn you bonus investments when you shop through selected retailers (over 12,000 of them) with Acorns Earn.

Traditional Banking Services

Acorns shares some features with traditional banks. Using your Acorns debit card, you can withdraw money from over 55,000 Allpoint ATMs. You can use your checking account to deposit and spend your paycheck. And if you’re looking to invest, Acorns offers a wide range of funds and strategies, just as more established services do. You’ll also be able to set up an Individual Retirement Account (IRA) to save for the future.

Interest Rates and Fees

There are three pricing levels with access to different Acorns accounts:

PackagePriceFeatures
Lite$1/monthInvest (investment account)
Personal$3/monthInvest, Spend (checking), Later (retirement)
Family$5/monthInvest, Spend, Later, Early (junior investment)

Customer Service

Acorns has a comprehensive FAQ list in its online help center. You can also email or call for further support, available 5-7 pm PST, seven days a week. Further support is available from Acorns’ educational resources, with a rich ‘Money Basics’ website section and Grow Magazine, a personal finance blog.

Mobile App

You can download the Acorns app for iOS and Android. The Acorns app has a great user interface, allowing you to Invest, Spend and Save as a beginner to the world of investing. The Acorns app offers financial literary content to help you invest smarter. You can watch your account’s performance from the mobile app and receive alerts. Acorns allows you to use all digital banking features from their mobile app, including mobile check deposits.

Security

The Acorns website and app are protected with AES 256-bit encryption for added security, and multi-factor authentication is needed to log into your account. Any unusual activity on your account will trigger an alert so you can act quickly. Furthermore, the Securities Investor Protection Corporation (SIPC) protects up to $500,000 of your money, should anything happen to Acorns.

Summary

Acorns is a great, low-cost way to start investing. And with new ESG options, it’s even a more ethical choice. But Acorns does much more than investments, offering the ability to manage your checking account on the go, earn money by shopping through partnered retailers, auto-invest part of your paycheck, open an IRA, and invest for your children’s futures. Although some traditional banking services, like a joint account, are currently missing, there’s a lot you can achieve with Acorns when it comes to building your finances.

Methodology

Information for this review was gathered directly from the Acorns website. 

Acorns Acorns Visit Acorns



Catherine Miller
Written by
Catherine Miller
Catherine Miller is a lead member of personal finance and pension innovator Maji, where she’s responsible for content creation and running Maji’s personal finance masterclass, among others. She is also a freelance writer in the fields of finance and education, and holds degrees in English and education.
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Trustpilot reviews
See what some customers are saying about Acorns
Acorns
Average
Reviews 365
on
Excellent
26%
Great
4%
Average
2%
Poor
5%
Bad
63%
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susan ussery
3 days ago
This was recommended by a person I…
This was recommended by a person I follow and trust her recommendations. I have not had any issues like other reviewers have had but I have only been in the program a few months and have not tried to withdraw any funds.
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jennifer tyla
a day ago
Ikke tro på noe de sier her. Det er en ren svindel der du vil tape 100 % av hele investeringen din uten noen forklaring på hvorfor dette skjedde. Jeg er veldig glad for at @((𝐍ᴇ𝐱ᴀ𝚙𝚛𝚘.𝔬𝘯𝘓𝘐𝓷𝓮)
Ikke tro på noe de sier her. Det er en ren svindel der du vil tape 100 % av hele investeringen din uten noen forklaring på hvorfor dette skjedde. Jeg er veldig glad for at @((𝐍ᴇ𝐱ᴀ𝚙𝚛𝚘.𝔬𝘯𝘓𝘐𝓷𝓮) kom meg til unnsetning og jeg fikk tilbake alle pengene mine uten problemer
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natasha sy
2 days ago
Takk til profilbildet mitt for hjelpen
Jeg ble bedt av profilbildenavnet til å sende inn en klage som sparer pengene mine
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melvin williams
2 days ago
The organization on my profile picture got me a refund after filling a complaint
The organization on my profile picture got me a refund after filling a complaint
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stephen hoffmann
2 days ago
Customer Service so bad it kills the product.
I have been a member of their service for many years, since 2016 I think. All this time I have had little issue with their product, I've taken money out easily and put money in easily. They don't have 'hidden fees' or any issues other complaints mention here. They put the fees right up front where you see them. But the one star comes from how frustrating it has been since I started getting errors in my web experience. I have chatted, called and tried multiple means of getting support. My experience of the support personnel is when they realize I have an actual problem, a reproducible bug, or a real software error, they try to find the fastest way to hang up on me. Sometimes they just flat out disconnect, other times they say they put me on hold, go out for a smoke break and 20 minutes into holding they hang up on me. It feels like support can only help you change your password or similar simple things but when you want to get help with a real issue, they lose it and find the fastest way to disconnect. Most recently, the tactic has been to come up with 9000 different verification points like a stupid game. First they'll ask me my email, then my DoB, then my mother's maiden name, then my zip code, then my address, then more and more questions until they get one I can't answer so they disconnect.
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alma daniela
2 days ago
go through 𝗍𝗁𝖾 𝗇𝖺𝗆𝖾 𝗂𝗇 𝗆𝗒 𝗉𝗋𝗈𝖿𝗂𝗅𝖾 𝗉𝗂𝖼𝗍𝗎𝗋𝖾 𝖿𝗈𝗋 𝗁𝖾𝗅𝗉!
Take a look at the best information available on your own images and view your photos and see what you can do, see what they can do and find Maria
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james lee
2 days ago
go through 𝗍𝗁𝖾 𝗇𝖺𝗆𝖾 𝗂𝗇 𝗆𝗒 𝗉𝗋𝗈𝖿𝗂𝗅𝖾 𝗉𝗂𝖼𝗍𝗎𝗋𝖾 𝖿𝗈𝗋 𝗁𝖾𝗅𝗉!
Take a look at the best information available on your own images and view your photos and see what you can do, see what they can do and find Maria
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bobby jones
3 days ago
I get locked out of my account a month…
I get locked out of my account a month in (which is a common experience as I'm reading around online) and they refuse to let you out until you provide the documents they demand. They won't close your account, they won't unlock it either, you have to provide the papers and you have to keep spending for their subpar service. Needless to say I am never using this app again. Absolute garbage company.
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ryan alexander
3 days ago
I was promised a $900 referal bonus for…
I was promised a $900 referal bonus for referring four people to Acorns. After completing all of the requirements, I was not given the $900 and Acorns continued to steal my money and would not allow the accounts to be shut down. This website is a scam. Please do not put your money there. They will steal your money.
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lester jones
12 days ago
It is a great pleasure to write this review and I would like to express my sincere thanks.
I would like to thank the name on my profile picture for the excellent support in helping me
A
amanda harvey
17 days ago
Fast and friendly customer service fast…
Fast and friendly customer service fast redeeming love the games always add new games nice graphics
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sarah
18 days ago
I read the reviews after providing my…
I read the reviews after providing my personal information, but did not confirm at the end. I called Acorns customer service they said I needed to confirm, which I refuse to do. They hung up on me. Unprofessional and unethical
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nick z
23 days ago
They have terrible security measures
My account has been compromised several times over the course of 3 days. Acorn has done very little to prevent this from happening even after speaking with customer service. They put a lock on my account to prevent it and then they took it off for reasons unknown where transactions were attempted to be withdrawn and the bank account on record was changed. They have terrible security and it is not a safe place to put ones money.
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emma dye
a month ago
Terrible customer service & NOT user…
Terrible customer service & NOT user friendly. When I tried to login, after a few months after joining, the site was 'locked' so I reached out to NON customer service & they asked me to upload "government id" AND a utility bill. I did both. They didn't specify what format and THEN told me they wanted a drivers license instead of a passport. So I did that. THEN got another email stating: "Thank you for uploading the document needed. Kindly re-upload the ID that is not scanned and your statement/bill in pdf file." The bill IS in PDF. And the 'scanned' ID was in PDF so why not scan...?? They don't specify if they want JPEG? So I replied to just cancel the account as this was too much hassle & return my $54+ to my account. They replied that they cancelled my account BUT that *I* needed to login to cancel my subscription & gave lengthy instructions on how to do so...when I went to login it said my account was closed & I would have to reopen it. Emailed a screen shot of that...got ANOTHER email stating that I needed to do it...I replied AGAIN that I CANNOT & they FINALLY cancelled it. Waste of time.
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julio a
a month ago
I opened my account randomly one day…
I opened my account randomly one day and it was good to see that I have racked up 100$ using this app
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ben weber
a month ago
Problems with withdrawing funds
I've been investing for 4 years with acorns. On October 19th I made a withdrawal request for$6500. The next day I got an email saying they suspended my account and requested my photo id, bank statement, and a statement confirming I made the withdrawal request. I provided all of the info right after I got the email. By Monday I still hadn't heard anything so I called into customer support. They verified my last 4, birthday, bank account last 4, the amount of my last deposit, the app version I used when making the request. They told me they escalated it and it would be resolved in 1-2 days. I've called and emailed every day since. Customer support is unable to give me any answers as to why me withdrawing to the account I used to deposit the money initially was so suspicious, there have been no other recent changes to my account, why after I provided all of the supporting documentation requested they have still not unlocked my account, whether or not my money is still safe, nothing at all. I've filed complaints with the SEC, BBB, and FINRA. I don't know if I need an attorney or what to do next. I know they will likely respond to this complaint below in the next few months and suggest I give them another chance by calling or emailing the same contacts I've been trying unsuccessfully to get answers from for 11 days now. Check the BBB website. Edit 10/31/23: I got a response from acorns this morning telling me the hold was removed from my account. That was shortly after FINRA wrote me and told me they sent a message to acorns and told them to contact me immediately. Now I just have to hope I don't have the same experience when I pull the rest of my funds and cancel my subscription. They seem to have plenty of happy customers so maybe I just fell through the cracks, either way I will not be trusting them with my money again.
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kelley begley mccall
a month ago
I have been trying to unlock my account…
I have been trying to unlock my account for two weeks. They locked my account as soon as I asked to withdraw money. In order to withdraw the money, I had to open a checking account. Two weeks later, still locked. I've emailed, called, chatted...nobody can fix it. I've asked for a refund of money invested and to close my account. They won't do it until my account is unlocked. No one can tell me why it's even locked.
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kathryn
a month ago
Profile
A fake investing platform has been provided. The platform has clearly brought in some money, as can be shown. However, we purposely fail as soon as you make an effort to leave. This company is deceitful in terms of withdrawals. Not the best location for investing and trading. On my PICT profile, I should have considered joining a professional platform. The best internet provider at the moment is them.
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joseph mcfarland
a month ago
I have been with this company since…
I have been with this company since 2019 and I have never had any problems withdrawing or depositing money. They have also safeguarded my money and alerted me in a very professional manner was a situation of fraud was presented. I would forget these negative reviews and assure you Acorns is a safe, reliable investment and banking company.
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chad montgomery
2 months ago
This is a great tool for beginners
This is a great tool for people who are new to investing and want to invest in a long term retirement plan.
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matt laurence
2 months ago
My experience has been quite smooth…
My experience has been quite smooth unlike many of the low rating reviews. I'm not saying, here, that their experiences respectively shouldn't be considered. I have never tried nor needed to close my account, so im not sure how that may unfold if that event should arise. However, I've had absolutely no problems with Acorns. When I needed to withdrawal, I received the money in due time if not sooner. I love the ease of making quick, one-time deposits along with the recurring deposits, and being a "set it and forget it", its made it very easy to save not only for myself, but my daughter. The round ups are a wonderful feature, better than putting change in a jar, at least there is a chance for it to grow, rather than collect dust. That being said, it's still wise to diversify :)
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dylan
2 months ago
Others
Unfortunately, this business has abused both our gullibility and our trust. I invested a lot of time and money in this business, but I have heard nothing since.I wish I had taken my wife's advice to invest with the same website she does since I wouldn't be losing money if I had. I'm switching on to the ‘Calmo 'shub' platform right now. They are simply superior to all others.
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reah reavitt
2 months ago
locked out of my account for weeks
locked out of my account for weeks, can't access my money at all. truly the worst customer service I've ever encountered. I'm very nervous that they will keep my money like they have with so many other users. go to Wealthfront.
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chanoy montoya
2 months ago
Not Trustworthy
I closed my account in June, but before the closure was processed by them, there was an 18 cent round up transaction. Despite receiving confirmation of the account closure, they kept charging me the $5 monthly fee, claiming it was because I still had 18 cents in the account and that it is a maintenance fee. When I called, I spoke to a representative overseas who promised to refund the 18 cents to my bank and close the account within a few days. However, when I asked for confirmation, their representative explained that they couldn't provide it because the account was technically still open. They assured me they would monitor my account and close it once it has been liquidated, but in the meantime, I will be charged another maintenance fee. This raises ethical concerns about their business practices.
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common sense
2 months ago
acorns is a great company
acorns is a great company, though I'm not always sure I'm getting my round ups my balance is way to low based on what I should have.
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alyssa jackson
2 months ago
Took my money without asking
Took my money without asking. An wouldn’t give it back even thought they said they would. Took 400 dollars
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nasif chowdhury
3 months ago
THEY LOCKED MY ACCOUNT AND THEY NOT…
THEY LOCKED MY ACCOUNT AND THEY NOT UNLOCKING IT I VERIFIED EVERYTHING WE EVEN GOT ON A 3 WAY CALL WITH MY BANK AND ACORNS CUSTOMER SUPPORT THSY KEEP LYING TO ME EVERYDAY NEW STORY DO NOT TRUST THIS COMPANY WITN UR MONEY I GOT FAMILY URGENCY AND I CANT WITHDRAW MY FUND BECAUSE THEY LOCKED MY ACCOUNT BUNCH OF THIEVES OWN THIS COMPANY
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michael perez
3 months ago
Saving more than usual
Saving more than usual, and having a backbone to a secure future.
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shelly
3 months ago
Acorns customer service is a joke
Acorns customer service is a joke. I have called 4 different times, sent 2 emails, and spoke with a manager. I have yet to have the issue resolved. It's been over 3 weeks, and I'm beyond frustrated.
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james
3 months ago
Acorns is a heartless company wiith support that will never actually help.
Haven't been able to eat anything in 4 days and i finally get some money from an online sale when, as I'm in the store buying food, i realize they have canceled my card and are effectively holding my money from the sale (sadly all i have right now) without me being able to access it. i call customer support for any kind of help and all I'm told it is because i made a dispute...and they tell me how long it may take for them to finish the investigation or for a transfer to another bank account...so to reiterate, when told it is all i have...and i haven't eaten in four days all i am told is they have 10 days to finish the investigation and a transfer could take 1-3 days (knowing them - it would take 4 days) and I'm pretty much told to just "wait longer for food". Also have been trying to get in contact with any kind of management/supervisors for support for over 24 hours now...I have NEVER - not once - been actually helped by their support teams. NOT ONCE.
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me
3 months ago
Ignore the negitive reviews. I'm 5 years in!!!
Not sure why anyone has had difficulties with this company. Anytime I've needed money I've received it with no problems. I love the round ups as well. The referral program Is great as well. I highly recommend this company, having control over your 401k is awesome. Save for later is great too!!!
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quinten ford
3 months ago
READ: DONT INVEST!!!!!!!
Company makes you go through hoops and loops to get to your money. Supplied documentation, had a 3 way call with my bank and support customer yet still need days to give me the money "I put in the account!" The reps you speak to tell you that they entered information that reps you talk to later, say they see no such notes. Charges from my account I haven't made considering I haven't even got the card yet. On top of that, says on my app that it's shipped but I never received it and it's been a month! A month! Then a rep tells me that they don't see where the card was requested. Are you serious?! Then after supposedly heading in the right direction of finally getting this b.s. handled, I get an email from customer service a couple hours later, after already being on the phone with them and my bank for over an hour, asking me for the dame information that I confirmed with the rep on the phone, she received and read back to me for my confirmation. What are you guys doing?! Stealing people's money apparently. Do Not invest in this company. Horrible customer service. And I don't want any bot trying to down play this with "I'm sorry for your inconvenience and that we have certain procedures." It shouldn't take a blood sample, sliver of soul, eye scan and 15 references to get the money "I" put in there. Social and date of birth, I understand but for real, you guys take money out like clockwork on the hour when you want it but take 3 months to give it back. And no, the 3 months is NOT an exaggeration. That's the sad part. Anyone who reads this, don't believe the fake reviews they post and don't fall for this the same way I did. Get your money and run. I ususally dont wish bad on no one but I hope you all go out of business
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jeff mccoy
3 months ago
Stay away from Acorns and use Companies you can deal with in the US.
I changed banks and closed out the account I had linked to Acorns.com. I logged into my acorns.com account and deleted the old bank account and tried to link the new bank account. I had to upload copies of statements from the old account and the new account to prove ownership but they never would accept the documents even though they were directly downloaded from the bank sight and uploaded to acorns. I spent 2 hours on the phone with them. They finally did a 3 way call with my old bank to verify that the old account was closed but that I was in fact the owner of that account before it closed. After all of the hassle I felt it was best to close my Acorns account and deal with companies I can talk to right here in the United States. As of now, I am still waiting on my money
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fabian rufus
3 months ago
ᵍ̰ ˡ̰ᵒ̰ ᵇ̰ᵃ̰ ˡ̰ ᵖ̰ ʳ̰ ⁱ̰ ᵐ̰ ᵉ̰ ʳ̰ᵉ̰ ᶜ̰ᵒ̰ ᵛ̰ ᵉ̰ ʳ̰ ʸ̰ ᵒ̰ ʳ̰ ᵍ̰
After being scammed by an online trading platform. I ᴡᴀs ᴅᴇᴠᴀsᴛᴀᴛᴇᴅ ᴀɴᴅ ʜᴀᴅ ɴᴏ ɪᴅᴇᴀ ᴡʜᴇʀᴇ ᴛᴏ ᴛᴜʀɴ. Lᴜᴄᴋɪʟʏ, I ғᴏᴜɴᴅ ᴛʜᴇ ᴀʙᴏᴠᴇ ᴄᴏᴍᴘᴀɴʏ ᴀɴᴅ ᴛʜᴇʏ ᴡᴇʀᴇ ᴀ ɢᴏᴅsᴇɴᴅ Fʀᴏᴍ ᴛʜᴇ ʙᴇɢɪɴɴɪɴɢ, ᴛʜᴇɪʀ ᴛᴇᴀᴍ ʜᴀs ʙᴇᴇɴ ᴇᴍᴘᴀᴛʜᴇᴛɪᴄ ᴀɴᴅ ᴜɴᴅᴇʀsᴛᴀɴᴅɪɴɢ. Tʜᴇʏ ᴛᴏᴏᴋ ᴛʜᴇ ᴛɪᴍᴇ ᴛᴏ ʟɪsᴛᴇɴ ᴛᴏ ᴍʏ sᴛᴏʀʏ ᴀɴᴅ ᴇxᴘʟᴀɪɴᴇᴅ ᴛʜᴇ ᴘʀᴏᴄᴇss ᴛᴏ ᴍᴇ ɪɴ ᴅᴇᴛᴀɪʟ. Tʜᴇʏ ᴇᴠᴇɴ ɢᴀᴠᴇ ᴍᴇ ʀᴇɢᴜʟᴀʀ ᴜᴘᴅᴀᴛᴇs ᴡʜɪᴄʜ ɢᴀᴠᴇ ᴍᴇ ᴘᴇᴀᴄᴇ ᴏғ ᴍɪɴᴅ. Bᴜᴛ ᴛʜᴇ ʀᴇᴀʟ ɪᴄɪɴɢ ᴏɴ ᴛʜᴇ ᴄᴀᴋᴇ ᴡᴀs ᴡʜᴇɴ I ʀᴇᴄᴇɪᴠᴇᴅ ᴀ ᴄᴀʟʟ ғʀᴏᴍ ᴛʜᴇ ᴀғᴏʀᴇᴍᴇɴᴛɪᴏɴᴇᴅ ᴄᴏᴍᴘᴀɴʏ ɪɴғᴏʀᴍɪɴɢ ᴍᴇ ᴛʜᴀᴛ ᴍʏ ғᴜɴᴅs ʜᴀᴅ ʙᴇᴇɴ ʀᴇᴄᴏᴠᴇʀᴇᴅ! I ᴀᴍ ᴇᴛᴇʀɴᴀʟʟʏ ɢʀᴀᴛᴇғᴜʟ ᴛᴏ ᴛʜᴇ ᴛᴇᴀᴍ ᴀᴛ ᴛʜᴇ ᴀʙᴏᴠᴇ ᴄᴏᴍᴘᴀɴʏ ᴀɴᴅ ʜɪɢʜʟʏ ʀᴇᴄᴏᴍᴍᴇɴᴅ ᴛʜᴇᴍ ᴛᴏ ᴀɴʏᴏɴᴇ ᴡʜᴏ ʜᴀs ғᴀʟʟᴇɴ ᴠɪᴄᴛɪᴍ ᴛᴏ sᴄᴀᴍs.
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susana williams
3 months ago
Don't trust this thieves w license to…
Don't trust this thieves w license to steal your hard earning money ! for years I was trusting this company .Now that I'm deciding to close the account they denied my money /refund excuse after excuse. Lying rats stealing my hard working money. I'm not done w you Acorns I will get my money back .I hate it when people take nothing but thieves w a license to steal. Rats nothing but rats .
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jimmy .k. campbell
4 months ago
I do not advise the use of Acorn…
I do not advise the use of Acorn because there are many alternative investment options available that are much better than this one, such as "Plutonium Investment". Customers are not treated well. They don't explain the problem patiently, they take your money, won't let me withdraw, and the website, links, and app are not user-friendly.
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acorns sucks
4 months ago
If anything -- and I mean anything -- goes wrong... --…
If anything -- and I mean anything -- goes sideways with this company, you are SOL. The customer service are only trained to read from the FAQ. They will read it verbatim. I had one dipstick read me the definition of what an IRA was when I was asking "Where did my 3k transfer go?" They will read the actual definition of what an IRA was again. It was like a sadistic game. My transfer randomly appeared again after 3 weeks and it took me an additional 3 months to close my account. They blocked me in every way from rolling over my account with "we need one more thing" "You need a medallion signature, which is an in person signature. But you need to email us the signature... that we just made you get in person. And we don't take scans. Oh we're not going to give you the form for that...", until finally I withdrew it myself to deposit in my new brokerage. I am still dealing with disputing their 3 dollar reoccuring charge every month even though my account has been closed for some time.
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lincoln77
4 months ago
Great concept, lousy execution
I was excited when I signed up with Acorns.com, seeing the possibility of building an extra, small nest egg. I went all in. Made a small initial deposit, set up a weekly deposit into the account, listed my assorted credit cards to have charges rounded up with the extra going into my Acorns account and started using their Earn Rewards offers. All seemed rosy. Then I had occasion to contact their customer service and tech support on 2 issues. First was a technical issue where my account pages weren’t loading correctly and giving me error messages. So, from my account I filled out their form and submitted it. I received an immediate reply asking me for screenshots of the errors. I immediately complied. A day later I get another message saying they can’t look into it until I send some info to verify my account. (Why didn’t they ask for that when they requested the screenshots?) So, I immediately sent the info they requested and I got a message back that they would investigate and get back to me in a couple of days. Two days later, I get a message from a different rep explaining he will be looking into the problem and get back to me in a couple of days. A few days passed and nothing, so I responded back to him asking for an update. Silence. A few days later, I write again asking for an update, this time giving them a deadline to get back to me. It is now several days past that and still nothing. Total silence. I had another issue for customer service. I filled out their form and submitted it. I got an auto-reply saying they’d get back to me in a couple of days. Again, nothing but silence. I responded to them asking for an update. Several days passed and still nothing. Silence. I sent another request for an update, this time again with a deadline to get back to me. As with the other issue, the deadline passed several days ago and total silence. I would describe their customer service as abysmal, but that would be an improvement. I’m supposed to trust them with all my financial data and investments when they can’t even handle simple functions like reasonable customer service? My advice to others is to steer clear. These situations have raised way too many red flags. They can’t respond to simple customer support and tech issues, but they can write to me almost daily to push me to get friends and family to sign-up for accounts. Once my earned rewards vest, I’m outta there. Something stinks!
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steve marshall
4 months ago
It is a super easy way to invest and…
It is a super easy way to invest and make extra money. By rounding up your purchases, you hardly notice the difference
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phyllis lk
4 months ago
Acorns was fine..until it wasn't
Acorns was fine... until it wasn't. For no reason at all, my account was unlinked from my credit cards. I contacted customer service thru their chat facility, and they were just awful. Slow, and then bounced me around, and then I got a message saying I had been idle too long (idle because I was waiting for them to respond to me). When I was finally able to chat, I said I'd close my account, they took it upon themselves to close it... which was fine EXCEPT that they totally cut off my access to my statements. Customer Service via email has been awful, saying the same untrue things over and over about my access. I've worked with dozens of financial services companies over the years, and not one has cut off access to my own statements. Which might lead to thoughts of dishonesty.
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th
4 months ago
Hidden fees
Hidden fees. I signed up for acorns in 2020, then realized it was not worth it so I canceled my withdraws, to come and find out they continued to charge me $3 a month for a subscription fee I didn't even realize I had. With it only being $3 I didn't notice it coming out of my account for almost 3 years. When I contacted them they said there is nothing they could do about it since I was receiving services. I don't know what services I was receiving besides them taking my money, because I didn't gain any!
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alishba ali
4 months ago
Stay away took my money and cancelled…
Stay away took my money and cancelled after 7 days without no notice only 1 email that was in spam. Call them and they say they can’t discuss it it’s due to fraud AVOID STAY WELL CLEAR
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wordbuilder
4 months ago
Tricky fees
Read the fine print. Watch for the hidden fees. Unless you can invest copious amounts of money, you'll never beat the fees when Acorn tricks you into moving from a basic account to an advanced (read: fee-charging) account.
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paul minoletti
5 months ago
"Alex Conway" tried to steal money from…
"Alex Conway" tried to steal money from my business to an acorn account
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carla jo vayo
5 months ago
I love how it helps save money and most…
I love how it helps save money and most the time you don't even realize how much is saved .. Easy application to use ..it's safe and protected. And Easy to withdraw if needed. I love this app.
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candice
5 months ago
Extortion tactics
I signed up after being referred by my sister and thinking I would start saving and investing safely. I initially had reservations about providing my ssn and linking account but trying to help my sister get the bonus I decided to provide the necessary information. Well once I linked my bank account they suspended the account and locked me out. They then requested a copy of a utility bill and my DL which I contacted them to say that I felt that was too much information to give any one person/company. It gave me anxiety to even consider with all the identity theft going on and breaches of companies in which we find out months later. I said close my account but they said they could not because it was suspended. The email then said that if I didn't provide the documents by a certain date the account would be closed. Well after said date they were still taking money from my account and it was not closed. So I call in and am told that there's is nothing they can or will do without the verification documents. When I asked why my account was suspended I was told it was random and to protect my identity and account. They then said they just need a photo ID and bill to verify my identity and address on file. I told them that I felt like they were extorting me to get my information by holding my account hostage and refusing to close it. But to resolve the account I sent in a copy of my bill (the payment part with my address and name) and I had just renewed my license so I only have a temporary paper license so a copy of that. They then say that they want a picture of my entire bill and my temporary license isn't valid for them to close the account. They will not close it without me giving them those items. I say I will not because that's way too much. I did what was requested against my will. I'm put on hold and am told they will review again and close the account in 2 to 3 business days. We'll see....I feel like they're giving anyone who was referred and attached to a bonus a hard time ie random suspensions trying not to pay out yet keeping the new customer and/or customer's money. This has got to be illegal and am looking for legal advice.
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brandon duff
5 months ago
Company is probably going under
I referred over 12 people out of the 3 they required to get a bonus.. It’s been over 2 months and still haven’t received any money. I’ve don’t think this company will last long and will probably file bankruptcy. I’m getting out all my money.
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vincent
5 months ago
Excellent brand
Excellent. They are helpful when I need guidance the most. Simple and easy. I'd recommend it to anyone.
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robert cesario
5 months ago
Wost financial institutions they don’t protect their consumers
By far the most flat out disrespectful financial institution I’ve ever trusted with my finances. They did an investigation on fraudulent charges that didn’t take a day. (First of all, WHAT).! Without any discussion they closed my account for reporting fraudulent activity on my account m. They have the audacity to do that when I reported the fraud to have the card cancelled they failed to do so and additional unauthorized charges came thru. They didn’t even conduct a thorough investigation. FDIC 250,000 but couldn’t retrieve roughly $800 in fraud including some that was their fault for failing to close the card after fraud has been reported and so they allow people to wipe your account out instead of helping you thru this difficult process they closed my account instead of helping me. Don’t bank here they have their best interest only they don’t give a rats asssssk about you m.
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ioana galu
5 months ago
Their online security is very weak
Their online security is very weak. I asked for my account to be closed but it doesn't actually close. Someone was able to get into my account even though it was closed. I asked the company to truly erase my account and they cannot do that. I kept being told to change my password that I wanted the account gone. The customer service shows inadequate "specialists". Don't bother with this platform, use something more serious.
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rich
5 months ago
I like their investing service, but everything else sucks (bad security)
First and foremost, I like their investing service. The mutual is easy to set up and contribute to. What I don't like is a lot of everything else. For example, this is a personal finance company, right? They should have some of the best security out there, but they don't support decent two-factor authentication features. They only accept sms and email. Both of these are common places to get scams sent to. They should add 2FA with backup codes and allow us to choose our own 2FA service. More importantly, they should allow add passkey support. Their competitors like Robinhood have passkey support as well ass other 2FA options, so I have no idea why Acorns is taking such a back seat in this. Past that, Acorns doesn't create iPad or Mac apps. Forcing us to use their website, which is just a web app to be honest. That's fine, I can use a web wrapper to open their web app in a window that feels like an app, and yet actually i can't. For whatever reason, Acorns blocks me from signing in when opening the web wrapper, instead forcing me to open safari to sign in to their website. Not happy about that. I don't want to use safari, chrome, edge, brave, etc. I want to use an app.
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wendy shoshana mizell
5 months ago
It is so easy to forget your saving…
It is so easy to forget your saving money as it is all the change you might not even think about. In just 2 years, I saved 2,000 in my Acorns account from "chump-change". They round up to the dollar your purchases and before you know it, your on your journey to financial security.
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matthew quing
5 months ago
Scam and stay away from ACORNS
From January of 2022 up to May 2022 I invested total of $21,000 on acorns and I stopped investing since the market is going down that time, I kept my account open up to today 6/22/2023, I am thinking about withdrawing my money and take the lost on my account, my account value is $19,500 with some change, I understand that investment can go up and down depending on market values the only thing that I don't understand with this is it says on my account that I gained $2,700 since last year investment which does not make sense to me because I lost money on my account, now I contacted customer support and they only tell me to contact my CPA (which is I'm doing right now) but why am I going to pay taxes for $2,700 when my investment account is down? they can't answer the question and nobody on customer support can help me with this problem. Now im going to pay taxes on money that they say I gained from investing to this stupid acorn STAY AWAY from this SCAM!!
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karen fleming
6 months ago
This service is a scam
This service is a scam. Please do not be duped. I considered signing up almost 2 years ago. I did not finish signing up because it became apparent during the process that it did not work like the advertisements suggested. Now, almost 2 years later, I am getting messages demanding I link my bank account so they can withdraw money to cover service fees. I went online to "cancel" my subscription, and it will not cancel unless I give them access to my bank account. I called but have little faith that the problem is straightened out. It is a SCAM. There are round-up programs out there that work for you. This is not one of them.
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smil
6 months ago
This company is a total rip-off
This company is a total rip-off. Take and dispose of all your money. So I'm glad I did NOT put in more than I did....I opened an account with $35 in 2021. After a few weeks, in part due to Covid, I realized I couldn't invest more, but was happy to see that my money was still there. And they reassured me with emails that they had paused my investments. Then today I called because I needed to change my personal log in info, and found the balance on my account was now $2.49. when I asked why, they said they had been taking a $2 fee out every month. This doesn't make sense sense for if it was really every month, it would have exceeded my initial $35 investment....Just a loss, a rip off, no reason. This company really needs to be be shut down, put out of business...big time, permanently.
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cara loddeke
6 months ago
Helpful during hard times.
Helpful during hard times.
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ron
6 months ago
Don't understand the poor rating
Don't understand the poor rating, If you value your money, Acorn will keep you whole. I know as my money was in good shape after 5 years.
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nc
6 months ago
SCAM—Would give 0 star if I could
Would give 0 stars if I could! They signed me up for a subscription without my knowledge, and confirmation emails went to my spam folder. They've been charging me for months and refuse to refund me. Avoid like the plague!!
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terry m
6 months ago
I trust acorns and feel confident that…
I trust acorns and feel confident that my investments will continue to be safe a continue to grow.
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gilbert b
7 months ago
Great way to save money for retirement
Great way to save money for retirement. I've had my account for 3 years now and have had zero problems . Multiple friends and family also have acorn accounts and they've never had a problem either.
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lori long
7 months ago
DO NOT USE will not stop fraud
DO NOT USE: I never signed up for acorns and was charged over $200 by them. I informed my bank and was advised to contact Acorns. I advised acorns and sent all physical documents that this was a fraudulent account. I was assured it would be closed. That night $2200 was withdrawn from my account. I called my bank and then Acorns once again and was again assured that it would be placed on high priority to get my account to no longer be debited. The third day in a row my account was fraudulently charged another $500z The will not stop once they have your information even if they know it is fraudulent.
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julie
7 months ago
Same as Coleen DO NOT SIGN UP WITH THESE THEIFS WHO CONDUCTS THEMSEVES LIKE A DOLLAR STORE AND NOT AN FDIC BANK the exact same experience as…
I have had the exact same experience as Coleen who wrote a review 3 days ago titled DO NOT TRUST THESE CLOWNS! Literally the same thing! I have now been locked out of my account for over a week, no explanation, sent my personal sensitive information 4 times and numerous calls with people who are clearly just paid to say “on that one, I have submitted it and you will receive a response in 2-3 business days”! There is NEVER a way to speak with anyone else who can actually help and so far every time I’ve been told they received the info they requested I have been told otherwise the next day! I cannot even begin to explain the endless absurd interactions and lack of response from anyone to unlock my account or even tell me why it’s locked! Just like Colleen I cannot access any of my money in 3 different acorn accounts and am unable to turn off auto deposits and acorns clearly doesn’t care or have an urgency! I wouldn’t be surprised if said “department” who can do something consists of one or two people who work 10 hours and don’t know what they are doing!!!!! When he’ll freezes over and I can access my money I will be withdrawing all and deleting my account! I have been unable to get food, gas, pay bills, etc for a week and now it’s the weekend! I am beyond enraged!!!
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colleen
7 months ago
DO NOT TRUST THESE CLOWNS!!!
I signed up as a favor to a friend who wanted the referral bonus. I can see multiple Acorns deductions in my checking account, but I cannot login. My account was flagged for some reason and I have spent a week in an idiotic email cycle sending their support the same sensitive/personal info over and over again. then they ask for it another time. it's insanity. I called and support could not help. I haven way of accessing my money or stopping the deductions. SUPPORT IS TERRIBLE. Do not rust these clowns with access to you bank accounts.
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d. rodriguez
7 months ago
I love Acorns because the concept of…
I love Acorns because the concept of saving for the future and investing for a more secure economic potential are very important to our wellbeing and prosperity.
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daniel selvidge
7 months ago
Phenomenal
It's just easy to set up and let it run, saves money and change left over does instant deposits on a schedule of your choosing.
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catherine
7 months ago
Acorn lift
Mohammed efficient and helpful
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megan lavender
8 months ago
I got scammed out of $121 dollars and…
I got scammed out of $121 dollars and literally a minute after it happened I called Acorns to report it and they said they would cancel the transaction immediately and the fund would be returned to my account. My dispute and claim got denied and I still have not received any of my money back nor have I gotten a call about this situation. I would not trust them with your money, especially if they couldn’t even recover the funds that were taken from my account unauthorized.
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dana quass
8 months ago
Customer service
Terrible customer service hardly ever get any one that speaks or understands English they read a script for rebutles and can't talk to anyone that can fix the problem say whatever they want you to hear but don't follow through
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klm
8 months ago
Started out liking the platform
Started out liking the platform. Lately they have drafted from my accounts immediately and do not post the money to your account until well beyond the projected dates. They play the float game of a few days which may be understandable but now the money sits in limbo well past the projected application dates. Wondering if they are having financial troubles in today's environment. Compounding the problem is trying to contact customer services. Chats are just a run around and phone call waits are 30 minutes or more. Doesn't look good and smells of issues.
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diff'rent creative
8 months ago
NEGATIVE STARS are what this company…
NEGATIVE STARS are what this company deserves. They close your account and give you no access to your information, previous statements, anything! They initially asked for me to verify my information along with my banking information, which I did. I was then LOCKED OUT OF THE APP. My money has inexplicably disappeared and their customer service is a joke. Automated responses and zero information. DO NOT, I repeat DO NOT bank or “invest” with these people. Please read the other reviews and not from the planted reviews. Trust all of the negative ones because they are absolutely true. And please, Acorns, don’t respond with “please call customer service” because you give the same script regardless. “We’ll forward to our ‘internal team’ and get this resolved in 72 hours. Look out for an email.” It’s all BS. I’ve already contacted a lawyer because this company is a complete fraud.
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makenson alperis
8 months ago
Worse I ever deal with.
Worse I ever deal with.
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elizabeth o'shea
8 months ago
I have be using the Acorn’s Investment…
I have be using the Acorn’s Investment app for some time now and I think it’s GREAT! Rounding up your spare change can add up very fast. I have also withdrawn my money a few times and it has always been deposited into my bank when said. I have never had a problem! Thank you Acorns!
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trish
8 months ago
If I could give zero stars I would
If I could give zero stars I would. Suspended my account for no reason. Won't allow me to withdraw my money. Didn't ever give my friend the $$'s that were guaranteed if they got 4 friends to sign up, even though he did everything they asked and spend many hours on it. Now they try to keep the money deposited. Total scam.
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tricia bayer-burkholder
8 months ago
Great for savings!
I only use them for savings, and since my bank has a round up saver system, I cannot participate in the pennies section of Acorns. I also cannot attest to the checking/debit card portions as I do not use. I do use the college/kids saving, retirement, and investment and have for about 2-3 years with zero issue. I don't touch 3 of the funds, but I do withdraw from investment twice a year - once when I've saved for vacation and once for Christmas. It's the best way I've ever had to save money because I can't touch it right away. It takes about 3 days to get my money each time and it's easy and painless. Sure, it doesn't make a ton of money, but I'm just here to save and I'd gladly pay $5 a month for that.
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joshua deleon
8 months ago
Helpful and informative
Very educational and helpful. I have fought my way to 0 debt and now have an idea of what’s it’s like to be financially independent Acorns is a very useful app to use either to get you out of a bind (using the Pennie’s that you save by using the app), can also serve as a creative way to stash additional savings in an account as an emergency fund as well as a way to allocate money for other expenses. Great App!!!
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sheree
8 months ago
I have had nothing but a great…
I have had nothing but a great experience with Acorns. It's been helping me save change to invest for my future as well as for my children. If I needed to make a withdrawal I was able to do no problem sell a few stocks. I have the debit card, I use that with no problems. You can always go in and change or pause recurring deduction if you need to. I haven't had any problems with it being linked to my bank accounts. And I get my extra bonus when I shop with merchants Acorns give you extra money for. I love it. I've been using the app for 4 years now.
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leslie diaz
9 months ago
Good experience for me
Despite that Im seeing lots of bad reviews in here I have not had a bad experience thus far with Acorn. I had a withdraw few months back and the transaction was smooth and seamlessly therefore, I do recommend this company to invest your spare change, to do a weekly recurring deposit into your account so you can keep growing your oak. Yes, they do charge a fee but how can they not?? The expense of bookkeeping is not free and I dont see a small amount in my case $5.00 a month a trigger to NOT invest here or write a bad review. Again my experiences have been outstanding.
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abraham klein
9 months ago
I will be as honest as possible
I will be as honest as possible, they are very hesitant to write how much it will cost you to withdraw your money, I didn’t even realize they are charging monthly $5, when I got nothing in profits at all. It’s very easy to set up reoccurring charges, but not so easy to stop it. Now when I tried closing my account, I had to withdraw all my money, which took time to process, so another reoccurring charge came in, which I needed again to withdraw… In a nutshell: For some who is serious about their investment, and ready to pay a monthly charge (as they charge) should much rather invest long term (for free) in a fund that follows the market etc. thru Robinhood etc., not in acorns rohere they do not bring you any profits at all.
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theresa butler
9 months ago
I started investing in acorns for fun
I started investing in acorns for fun. After a couple of years, I used the bank account side. I had no problems in the past. I wrote three checks from my acorn bank account. All THREE checks never made it to my credit card companies. I got late fees. Tried to deal with Acorn they still have not got back to me. This was the beginning of Jan 2023 we are now in March. Very rude and not sympathetic about the lost checks and good luck trying to get help to fix it. over a thousand dollars of money gone with no explanation. Every time I try to call they are overloaded with calls and kick me off and tell me to call back. I am so upset and do not know what to do.
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customer
9 months ago
A simple way to save and invest
A simple way to save and invest. Easy to withdraw funds.
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larry thraen
9 months ago
Well planned scam?
I've had a new Acorns opened with a linked bank account from Chase. My (zero activity) account is now disabled and Acorns is asking for a bank statement and an unexpired federal ID to be emailed to customer service. I called their # a d am still being asked for this information. I don't feel comfortable sending my personal information to access my funds and think this is a well planned scam.
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pam perini
9 months ago
HORRIBLE
HORRIBLE! Don't shut off an account because of possible fraud. Acorns will hold your money hostage and then send you into a "your account has been closed" and "your account will be reopened in 72 hours." This has been going on for over a month. WHERE IS MY MONEY???!! Should be ILLEGAL! No one speaks English and it is nothing but an AI Call Center. No answers...
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mardi ybarra
9 months ago
I decided to start saving money with Acorns
I decided to start saving money with Acorns as a commitment to myself. Just a small $5 contribution per week, automatically taken from my checking account. I don't think much about it. When I check in and see that I have saved over $250 in a painless way, I feel content. That little $5 could be spent instead, but I choose to save.
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meghan hodgin
9 months ago
Poor Customer Service
I like Acorns. I really do. But I'm disappointed in customer service. I was supposed to get roundups from regularly shopping at a retailer and my bank account became unlinked to my acorns account — without warning or notice — and I missed out on this roundup benefit for 8 weeks. It's on me for not realizing the account was unlinked as I wasn't actively checking to ensure the benefit was deposited into my account. However, being with Acorns for a few years, I thought they would make it right and retroactively credit my account. No such luck. Just disappointed.
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bradford
9 months ago
Worst Service Ever! Trying to close my Acorns accounts is…
Trying to close my Acorns accounts is not an easy chore! My Account was suspend when i tried to remove my money. Then Acorns required me to link to another (third) checking account which i did reluctantly. Now that i finally got my money, they are telling me that they are not willing to "unlink" my accounts. Worst service ever. I really regret every trying Acorns.
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dallas arave
9 months ago
Financial Growth, From Limited Effort
I am extremely pleasantly surprised and impressed with the positive financial impact i've experienced while utilizing Many of the investing Options that the Acorns Application has to offer. I never realized what a difference even just by activating the "Dollar Round-Up" investing option with my debit card, could have On my overall, and future financial well being. I also have truly enjoyed getting my Direct Deposits earlier than I had with my Credit Union. Love this app.
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joel fernandez
9 months ago
Love acorn
Love acorn, it help me learn on how to start investing my hard earned money and it teaches me about what’s happening on Wall Street. I feel that the company its self it’s always improving.
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victor berrios
9 months ago
They have been holding my money for…
They have been holding my money for over a week supposedly to verify the deposit, I’ve sent bank statements and all information requested and still I haven’t received any response. I have no access to my money and they haven’t met the time frame promised. Horrible banking experience!!
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sir macintosh iii
9 months ago
Just opened/now I’m closing ✌🏽
Just started off with my account on acorns. Had $2200 in a deposit then a random fraudulent charge comes through and I have to cancel my debit card in order for them to dispute it and return the $265+ charge smh. Now I have 2 grand sitting in this account and I have no access to it. They don’t even have a virtual debit card that can be added to wallet and used temporarily while you wait for your new card in mail. Unbelievable. I just started with them and I just ended. That was enough for me. To think, I was trying to accrue $10k in this account! Ha! What a joke.
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jose
9 months ago
This app is terrible,I closed my…
This app is terrible,I closed my account and they still are taking out money out of my account to invest even though I don’t have an account to invest,I tried calling but they say they don’t see the transaction and don’t want to help me. Will never used this or any investing app where customer service doesn’t want to help even when they are in the wrong
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brian corcovelos
10 months ago
Acorns lost money for me years in a…
Acorns lost money for me years in a row, kept changing their fees, and ultimately dont invest their money wisely to make gains. Not to mention they keep delaying tax reporting information. 3 times already. Poor company performance. Dont use them!!!!
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maria alvarez
10 months ago
Be careful peeps
Nothing to write for now k
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danielle dolbec
10 months ago
Love this App
Love this App , it is easy to use , keeps you updated and you can invest so much without even realizing it !
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luis alvelo
10 months ago
My worst banking experience!
This might be my worst banking experience. I’m trying to link a bank account but the micro deposits are not showing on my bank statement. This has been going on for a month and every time a chat with chat support they try to either rush me out of the chat or they end un abandoning it with no resolution. On each attempt they ask to allow 2 or 3 business days but it’s already been a month. I already shared my bank statement but keep asking for it every time. It looks like they don’t care to look at their files. It’s been a frustrating journey. Once I resolve this issue I’m closing my account to avoid another nightmare. PLEASE DO NOT USE THIS SERVICE! It’s awful!!!
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brian nikravesh
10 months ago
AVOID THIS COMPANY
AVOID THIS COMPANY I completed their referral promotion and they promised me $1000, but after I completed all the steps they just decided not to pay me. I've got in contact with the Better Business Bureau and it's currently being investigated. They are a slimy and disgusting company. AVOID!
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annette
10 months ago
Horrible company very misleading do not trust
Horrible company very misleading. And no way to get into contact with a manager about concerns and issues. Be very careful about doing IRAs with them because you might fight for months to try to get your money back. This was one of the worst experiences I have had with a company.
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rebecca cohen
10 months ago
This company is a scam they advertised…
This company is a scam they advertised a referral program after working hard on referring my friends and deposited there money they refused to pay me the money they promised!!! Very unprofessional
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chris murray
10 months ago
They cannot issue 1099s on time
They cannot issue 1099s on time, contradicting IRS guidelines, should not be operating in USA.
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adam l
10 months ago
ACORNS HOLDING $4620 CAPTIVE, HELP ANYONE!
I had my wife send a direct deposit for $4680 into my acorns checking account, the money posted and acorns locked the account, when I reached out to the CSR, I received a stupid message asking me why someone else has sent me a direct deposit? Like what is the use for a bank account if not to receive funds and yet they want me to explain why someone else sent me money. Please help me, BBB and other websites has a very high bad review for acorns, I wish I'd read all about it sooner but the earlier I get access to my funds, I'm closing the shietty account! AVOID ACORNS AT ALL COST FOR YOUR PEACE OF MIND, YOU WILL HAVE NO POWER OVER YOUR MONEY! 02/03 - Still nothing from this thieves and every customer service agent has names like aditi, rajesh, amitabh, sunita, all indian and we know the story circulating online about indian call centers, they are fruadsters. Close your ACORNS IMMEDIATELY GUYS AND DONT EXPECT TO GET YOUR MONEY WITHOUT A FIGHT!
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shelly
10 months ago
negative stars
If I could give negative stars I would. I cannot access my account, I cannot withdraw my money, and customer service is a joke. I have waited and waited and still no answer, I have tried the chat, which is not help at all and I have emailed numerous times. So far I have gotten automated, useless messages that have nothing to do with my issue. I have asked repeatedly to have someone call me and was promised a call through email. The call did not happen. What do I need to do next? I just want my money back.