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Aspiration Review

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Reviews 357

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BestMoney Staff
Bestmoney Staff
Jun. 18, 20214 min read

Aspiration summary

Aspiration is a socially conscious online financial services firm that offers users variable interest rates and gives some of its profits to charity. Aspiration is best known for its cash management accounts, where users decide their own monthly fee and earn conscious cash back. It offers a green selection of benefits and products, including an optional tree planting service, impact measurement scores, and fossil fuel free accounts.

Pros

  • You choose your monthly fee
  • Competitive interest for Aspiration Plus members
  • Cash back and rewards

Cons

  • Limited number of financial products
Aspiration at a glance
4.2

Editorial score

Fees?

Most products are fee free; foreign transaction fees

4.0

Security

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

5.0

Customer service

Limited customer service

2.0

Online experience

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

5.0

Mobile experience

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

5.0

Aspiration Aspiration Visit Aspiration

Advantages Over Traditional Banks and other Financial Institutions

Banks may make you physically go into a branch to open a checking and savings account—and even after going to all that trouble, there’s no guarantee of getting a good rate. Because Aspiration is a financial services firm and not a chartered bank, users get the convenience of doing everything online, the benefit of competitive services, and the good feeling that comes from knowing your money is with a socially conscious and fossil fuel free financial institution.

Here are some of the advantages of banking with Aspiration:

  • Higher-than-average interest of up to
    1.00% APY. Annual Percentage Yield is variable and only available to Aspiration Plus members after conditions are met.
  • Open and manage your account from your computer or your phone, without any need to visit a branch.
  • Aspiration commits to give 10% of its own profits to charitable causes and makes it easy for you to give directly to tax-deductible charities too. It works with a range of non-profits that help address issues related to: poverty, water, education, the environment, health, human rights, and microloans.

Cutting-Edge Financial Services

With an Aspiration Spend & Save account, users get access to a long list of benefits and products. One of the biggest selling points to the Aspiration account is that you decide how much you pay in monthly fees.

Aspiration accounts include the following features:

  • As mentioned, you decide how much you pay in monthly fees through the “Pay What is Fair” model. You can pay $2, $10, or nothing—however much you like. You can increase or decrease your fee whenever you feel like it.
  • Unlimited cash back rewards on purchase from participating Conscious Coalition members.
  • Bill pay straight from Aspiration’s mobile app.
  • Mobile check deposits straight from the app.
  • Up to $1,000 in reimbursements if you are the victim of identity theft, and up to $600 in phone protection coverage when you pay your monthly fee with your Aspiration debit card. Learn more.

Traditional Financial Services

Aspiration doesn’t offer credit cards or loans, but it does offer a handful of other traditional Financial services.

Here’s where Aspiration competes with the big banks:

  • Unlimited ATM fee reimbursements at over 55,000 Allpoint ATMs worldwide, with reimbursements within 2 business days of withdrawals.
  • Mastercard debit card issued by Coastal Community Bank, Member FDIC, pursuant to a license by Mastercard International Inc., with cash bank on purchases.
  • All deposits are insured by the FDIC up to $2.46 million per depositor.*

Interest Rates and Fees

Aspiration’s interest rates and fees are among its biggest selling points. Under its “Pay What is Fair” program, customers decide how much they want to pay each month. The Spend & Save account promotes interest rates of up to 1.00% APY for Aspiration Plus enrollees. In order to earn 1.00% APY on the first $10,000.00 in your Save Account in a particular month, you must also spend $1,000.00 or more with your Aspiration debit card that month. Balances over $10,000.00 will earn 0.10% APY. If the spending requirement is not met in a particular month, the APY that month will be 0.25% on your Save Account balance up to and including $10,000.00, and 0.10% APY on any funds over $10,000.00.

Customer Service

Customer service is the one area where Aspiration appears to fall down. As the Better Business Bureau has noted, Aspiration has received a number of recent complaints about poor response times and difficulties in closing accounts. According to Aspiration, these difficulties were the consequence of a large number of customers joining up in a small period of time, and it has added more customer support staff to handle queries. 

Phone: 800-683-8529, from Monday to Friday, 7am – 5pm PT (10am – 8pm ET)

HQ: Aspiration Financial, LLC, 4551 Glencoe Ave Ste 300, Marina Del Rey, CA 90292-6681

Special Promotions

Aspiration Plus members can receive 5.00% APY interest

'For any month that Aspiration Plus members spend a minimum of $1,000 in eligible purchases with their Aspiration debit card, they will receive 5.00% APY interest on the first $10,000 in their Aspiration Save account, equating to a $500 yearly value. Standard Spend & Save account holders will receive a 3.00% APY interest rate. The interest rates are current as of October 12, 2021 and are subject to change at any time without notice.'

Mobile Apps

Aspiration offers a mobile app for iOS and Android with some pretty cool features. The following are some of the highlights of the Aspiration mobile app:

  • Account Management, including transfers and wires
  • Automated Bill Pay.
  • Mobile Check Deposits.
  • AIM (Aspiration Impact Measurement), a new feature that lets you see the impact you’re making on people and the planet based on where you shop and spend with your Aspiration debit card.

Security

Aspiration protects customers in the following ways:

  • Its website employs firewalls and industry-standard 265-bit encryption to protect your personal information.
  • It promises never to sell or share your information without your permission.
  • It automatically notifies you of any suspicious activity related to your account.
  • Customers are required to use multi-factor authentication to get into their account
  • Cash accounts are FDIC-insured up to $2.46 million (higher than the standard $250,000).*


Aspiration Aspiration Visit Aspiration

Conclusion

Aspiration is a solid option for anyone looking to park their money in a fossil fuel free account without losing a large chunk of their cash to fees. With a commitment to environmental and social causes, it’s a particularly good option for the socially conscious investors out there. Add to that the cash back, ID theft insurance, and phone protection, Aspiration offers a feature-packed green account that actually helps you save.

*Deposits are FDIC-insured up to $2.46 million per depositor by being swept to FDIC Member Institutions. Visit fdic.gov. Aspiration’s Program Banks.

The Aspiration Spend & Save Accounts are cash management accounts offered through Aspiration Financial, LLC, a registered broker-dealer, Member FINRA/SIPC, and a subsidiary of Aspiration Partners, Inc. (“Aspiration”). Aspiration is under separate ownership from any other named entity. Disclaimers. Aspiration is not a bank.

BestMoney Staff
Written byBestmoney Staff

Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.

Aspiration
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  • author
    Chris Marsh
    a day ago
    ASPIRATION AKA FRAUDULENT THIEF'S

    ive had and was using this mistake of a company aspiration spend and save account months prior to have applying for this ppp loan that sba was offering smal businesses for ive prior to getting the deposit of the ppp loan called aspiration spend and save and also i emailed the supporty aspiration email address asking and also letting them know that i was using my spend adn save account to get the benefits of my ppp loan well afte sending like five emails and no response i finally got a hold of somebody on the customer serivioce call cventer a nice yet lying man he was but after listening to me about my issue and upcoming deposit and AINT ALL CALLS RECORDED BC IF THATS THE CASE THEY WOULD SEE THAT THE ISSUE AND PROMBLEM ISNT ON MY SIDE BUT ITS A MISTAKE AND ERROR ON THEIR SIDE BC IF THAT LYIING CON of an employee on their CUSTOMER side would have told me that i wasnt allowed i would of takened my ppp loan else wehre and saved myself and them this headache however no i was told that there wasnt going to be any issues yet after giving the guy the amount my loan was for the type of loan it was coming from he notated it in my account and reassured me theres no issue so i went ahead abnd had my ppp loan money confirmed in their account and my money three weeks later was deposited into my aspiration spend and save account after it was deposited into my account not even 24 hrs later my account had frozen and lock warning when trying to log in and my funds have been kept from me over five months now with that bein said im still waiting on their email as to tell me even why im being frozen from my account and when trying to call their customer service they just tell me their not allowed to talk to me and hang up on me with no resolution as to how to get my money outta this mistaken account i had used please unlock my money or cut me a check and close out my account this is terrible. Thanks Kylie Charles Email kyliemarsh90 gmail 316-553-1634

    ...

  • author
    Jeffery Pratt
    Oct 06, 2021
    Robbed by the bank

    I was a victim of identity theft about two weeks ago. Someone accessed my account and took everything I had. And all I keep getting from customer no service is, we understand how frustrating this must be. We are working on it...man, f@#× that, where is my money??? You can continue your investigation for as long as you want and have me arrested if you find out I committed some kind of fraud or something...basically what you're telling me by not returning my money is that you don't trust me....I don't know about you, but I don't associate with people who I don't trust...as soon as I get my money back I'll be closing my account. Because after reading some of these reviews, I'm not so sure one of your employees didn't steal my money

    ...

  • author
    Staine III
    Oct 06, 2021
    Worst Support Ever

    Let me have access to my account for Christ sake a whole two months wasn't enough for you guys? OMG if i had this how it going to be i would have disputed that amount i thought your Support are good but you definitely proof me wrong all you can do is to write a story line like it helping me on my bills ffs

    ...

  • author
    Tim Singleton
    Oct 04, 2021
    Aspiration makes me want to commit suicide

    It’s been 5 months now since my account was froze. It’s been in a pending closure state for 2 of this months I get the same answers everytime I call I now have moved out of my house because all of my money is in this account. Life has never been this pointless for me. I beat the burden of suicide last year but as of last week I started cutting again. I have no answers I have no way to go. Aspiration as people and an institution please help us get our accounts closed

    ...

  • author
    Madison Pryor
    Oct 04, 2021
    9 months to process a spend and save application?

    I applied for an account in January. Good credit, employed and 20 year old single mom. I started the process during a visit with my Dad. He has an aspiration account and I used a link that would give both of us a $50 bonus. Now 9 months, 27 emails and 3 identity verifications later they give me a generic email. No real explanation. I wanna know why TF I can't open an account at aspiration but Chase was a breeze. I have an American Express card, PayPal, Venmo and cashapp. So TF? If there's a reason tell me so I can remedy it. Last sentence they use the word eventually. So 2 is a couple, 3 is a few now eventually means 9 months. Hi Madison, Thank you for your interest in the Aspiration Account. Unfortunately, we are not able to accommodate your request to open an account at this time. We appreciate your patience during our review process as we eventually arrived at our final decision. Thank you, The Aspiration Team Aspiration.com

    ...

  • author
    Bates Moore
    Oct 02, 2021
    MONEY HELD AND NOT RELEASED FOR MONTHS

    Omg Aspiration bank are trying to get me to jail,I got my Loan money of $20,000 in the Account and tried to remove $2000 after some minute I just saw that my account is locked and under Review,It’s been 4 months now have been waiting for them to close it and mail me my check,but I keep getting to hold on from there customer care,Please y’all should help me and Let me know much better,PLEASE I REALLY NEED HELP TO GET MY MONEY BACK

    ...

  • author
    Juliana Andy
    Oct 02, 2021
    BANK NOT FULLY CLOSED FOR MONTHS

    Omg Aspiration bank are trying to get me to jail,I got my Loan money of $20,000 in the Account and tried to remove $2000 after some minute I just saw that my account is locked and under Review,It’s been 4 months now have been waiting for them to close it and mail me my check,but I keep getting to hold on from there customer care,Please y’all should help me and Let me know much better,PLEASE I REALLY NEED HELP TO GET MY MONEY BACK

    ...

  • author
    Dawn
    Oct 02, 2021
    Your customers and employees are…

    Your customers and employees are demanding you do your part to help save the planet. Aspiration can help your business do good — and do better. I would like to know if your not prepared to handle business funds why does your website mislead customers into thinking your capable and willing to handle those funds with statements like this

    ...

  • author
    Joshua Christopher
    Sep 29, 2021
    Negative 5 stars crooks and thieves stealing from honest Americans

    My account was locked for "suspicious activity" i was told in email that my transfer would be reversed i have app where i can check balances(updated weekly) MY MONEY IS STILL IN THE ACCT AND I BELIEVE THEYRE HEDGING MY FUNDS...I contacted them by email i got a ticket kept emailing back and forth 3 MONTHS NOW they give me a new ticket to stall not helping not telling me anything and ignore me blocked me on Twitter blocked my phone number the CEO and company IGNORED MY CONTACT ON LINKEDIN PRETTY SURE IM BLOCKED ON FB TOO STOLE MY MONEY ITS BEEN MONTHS IM ON THE STREETS NOW. BECAUSE I COULDN'T PAY MY BILLS WITH MY MONEY THIS BANK HAS TOTALLY RUINED MY LIFE IM STARTING FROM ZERO LITERALLY BECAUSE OF THESE THIEVES EVEN IF I CAN'T KEEP THE ACCOUNT YOURE SUPPOSED TO MAIL A CHECK OR SOMETHING TO ME NO OTHER REMEDY BUT CLASS ACTION THEYRE CROOKS AND THIEVES BANK LITERALLY ANYWHERE ELSE YOU WON'T GET YOUR MONEY THEY WILL TAKE OT FROM YOU AND BLOCK YOU THEY CLAIM TO CARE ABOUT THE EARTH BUT ROB THIS PLANETS CITIZENS

    ...

  • author
    Tim Singleton
    Sep 27, 2021
    14k locked for over 4 months

    my account has been locked and pending closure with you guys for 4 months now sir I need my funds mailed to me I’ve moved out of my house because I’m behind on rent I’m unstable and this year is one of the worst in my entire life please help my case get resolved. Aspiration has been a great firm to me and to be in the dark is the last thing I expected from you guys and now you am lost waiting to hear updates. I only know to lurk over my email praying I get answers. This isn’t right and I’ve started a class action lawsuit against the company. I am not the only customer frustrated in this time we all have the same problems.

    ...

  • author
    Food Die
    Sep 23, 2021
    I transfer money to my "ASPIRATION"…

    I transfer money to my "ASPIRATION" account then I check my personal bank account and the money that I transfer is already posted on my bank transaction.. so I check my aspiration account to make sure the money that I transfer is already there.. I'm so shocked my account is locked and I don't have any idea why my account is locked I call the customer service the I give all my information and I'm asking what is the reason why my account is locked and guess what they don't know why my account is locked and meaning the aspiration is scam if you put money on your account and if you check your aspiration account is locked or frozen.. 2 months I'm waiting for the email to update me what's going on but I never received email from aspiration

    ...

  • author
    Dawn
    Sep 30, 2021
    I'd give zero if I could

    I'd give zero if I could. I want my money to be released to me and I want them to stop hanging up on me when I call. I'm behind on my bills now had to borrow my rent money. And my account has been locked for weeks..... That was my original review, as of today my phone number is now blocked and I know this because I can dial *67 and their number to get through. They e blocked me on Twitter reported me on Facebook. I've been looking over all the transaction exports I had downloaded from the app as well as the July and June statements I download and I'm in complete shock! I could not download my august statement because although I wasn't locked out until Sept the 3rd my august statement WAS NEVER made available for me to download!!!! None of the exports match the transactions jump all over the place even the dollar amount changed on at least one transaction I know of for sure. I e got a stack two or three inches thick to prove my case and I'm willing ready and prepared to take this all the way to trial because they won't give my funds back! This response they gave me on this site was most likely right out of a textbook to save the face of their company. until now I have received no correspondence from them what so ever! And I don't expect to in the future. I did not enable the plant a tree option I have emails confirming it was not enabled. Tell me why they took funds from my account dam near every day for at least two months to plant trees if I did not consent to it? I can back up every word I'm saying with physical proof in fact I'm already doing so with finra. I love how they ask u to contact them to discuss the matter but they're literally blocking everyone from being able to contact them. Not ethical business procedures at all I've got everything I need to win a lawsuit and then some so that's exactly what I'm doing

    ...

  • author
    TRhess4377SJS,./
    Sep 21, 2021
    Was good for two years

    Was good for two years. Not anymore. Closing account.

    ...

  • author
    Shikira Jones
    Sep 20, 2021
    Why is my account still locked after…

    Why is my account still locked after two months? I can’t contact anyone because my phone numbers and my emails are blocked so aspiration unlock my account so I can get my remains funds of 6,000. And don’t tell me to contact you because I can’t !!

    ...

  • author
    Heide Orcada
    Sep 19, 2021
    FBI IS OUTSIDE THE BANKS DOOR DONT BE…

    FBI IS OUTSIDE THE BANKS DOOR DONT BE STUPID!!!!!!!! UNLOCK ALL OVERSEAS ACCOUNTS!!!!!!!!!

    ...

  • author
    molly
    Sep 17, 2021
    Fraudulent charges -closed dispute with boiler plate responses that do not apply to my situation

    I have been with Aspirations for several years. Up until 2021 they have been great. I had several fraudulent charges on my account, equaling almost $500.00. I had the card in my possession, so did not think to check my balance everyday. When I did, and saw the multiple charges, I tried to contact the bank. Like others, I was put on hold for hours, requested call backs that never happened, etc. I did not report the card stolen on line because I had it in my possession, and wanted to speak with customer service. The charges were at gas stations in the amounts of $100.00, $84.57, $100.00, $91.27 and $76.84 during a 10 day period. Three months later, they closed the dispute with the reasoning that the charges are consistent with the normal transaction activity seen on my account and that the card was in my possession. I drive a small compact car, fill up every two months for $20-$30, and have never had usage in the cities where these charges took place. I asked to re-open the dispute as they obviously closed the dispute on their end without any due diligence and used boiler plate reasoning that did not apply to me. It was suggested I speak with the establishments where the charges took place. While this is being disputed a second time, they took the funds out of my account that had previously been put in during the dispute. Now I will probably have to wait another three months for any response. Sadly, fraudulent charges, scamming mechanisms put on ATM's and gas tanks, etc. are a common occurrence in our society. If our bank will not recognize this and help support their customers, they are not a company that I would suggest opening any accounts with.

    ...

  • author
    Nate Ha
    Sep 18, 2021
    the bank was only ok

    the bank was only ok. I liked that they had a plant tree service which I did for a while. I then stopped banking with them after not getting help with a chargeback. I got scammed and the bank actually told me they had no form for this. They claimed my chargebsck was marked for fraud when I spoke to a manager but when the rep told me before he said it didnt fit there definition of fraud and wasn't filled as fraud. the bank claimed that because chargeapp just transfered the money its not there responsibility. even though it says chargebacks can be filled when you use a debit card. I found there service to be very unhelpful and there customer support people give basic service by email not always even answering anything. they also took over 45 days. this bank is OK for basic things only but I wouldn't trust making regular purchases all the time here with it. unless you want long waits for a chargeback. what ultimate did it for me was when the manager herself told me there's no form you fill out for fraud or scam. so I'm actually thinking of even making a complaint on the bank. it basically made me not want to bank with them !

    ...

  • author
    Staine III
    Sep 16, 2021
    My account was locked cause of the…

    My account was locked cause of the breach and you have already returned the disputed amount to the account and now you guys talk nothing about the breach or the disputed which means there's still no why my account should be held...in last message you sent you said you will update me under this thread and this is not the update i suppose to have I'm really regretting banking with you guys I'm going say it in your face cause this is not how other bank treat customer....you locked me out of my account and the only thing you can offers is that there's no update for a month now how amazing was that....You guys supposed to be reported to the authority.

    ...

  • author
    Jeremy Robinson
    Sep 15, 2021
    Wow aspiration sure are getting…

    Wow aspiration sure are getting horrible reviews. You say people can’t accept money for business services, so why are you stealing that money and not returning it? And furthermore I received 2 Ppp loans to my account back in March or April without incident now I receive 10000 and suddenly I can’t receive money for business services?? My account has been locked for a month I’m filing a motion to show just cause

    ...

  • author
    Madison Maze
    Sep 15, 2021
    Aspiration is going public!!!!!

    Aspiration is going public!!!!!! This is the worst company ever. So many reviews from people like me who they are sitting on my ppp. How is this happening, they need to be shut down!! Will someone please Help!?!?!

    ...

  • author
    Kimberly Kristin
    Sep 15, 2021
    I was so excited about Aspiration

    I was so excited about Aspiration, and then reality came crashing down. I had a security issue (lost checks) and it took days to get ahold of customer service. And when I finally did, they didn’t take it seriously. The rep was friendly but didn’t seem to understand how financial institutions work. It was unsettling. When I closed my account, I got an “Are you sure?” message telling me that I’d never be able to open an account with them again. The whole thing was just weird and unprofessional. What a shame.

    ...

  • author
    Mozhdeh RashidAzad
    Sep 09, 2021
    Aspiration was a terrible experience…

    Aspiration was a terrible experience for me. I was literally played with for two months just to open an account. They don’t communicate with their customers at all. Their website is also defective and doesn’t show the true status of application. Every few weeks I would have to send emails and reach out to the to see whats going on with my pending application. Again it would take them a long time to figure it out and send me an email with the links to upload documents, and they take forever to review documents. Literally forever! And when I decided to delete that application, they answered and deleted that application immediately and didn’t let me to file any application again. So basically playing with you for months and then when u r tired and frustrated kicking you out. Then then have some agents to send you and email and just say we apologize for inconvenience! They have no understanding of how banking and customer service should be. If you ever want to get a headache, try Aspiration. I see why they don’t even have good reviews!

    ...

  • author
    robert cryer
    Sep 09, 2021
    Listen I’m done waiting I’m tired of…

    Listen I’m done waiting I’m tired of waiting for my money I talked to your employees to many times for them to give me no information about we’re my money FOR 5 Months I’m going to get my LAWYER no bank can hold your money for more then 30 days if they do they give you information about why I don’t want no generic response about “call us” or “email us” that stuff getting old I’m finna call my lawyer so we can get something going my email is rcryer8998 you got 4 days

    ...

  • author
    Staine III
    Sep 09, 2021
    This people are thieves they tryna…

    This people are thieves they tryna steal from in disguised that they are helping you....they return the amount i disputed and refused to unlock my account which has $1500 with the disputed amount making $3500 the only update i keep getting is "Due to report of compromise, your account was secured. Our team of account specialists will reach out when they have an update to provide specific to your account. Our disputes team will be in touch when we have any disputes-specific updates to provide you." they are thieves Don't bank with them....I NEED MY MONEY

    ...

  • author
    robert cryer
    Sep 07, 2021
    I’ve been waiting for 4 months now for…

    I’ve been waiting for 4 months now for them to send me a check I closed my account so I don’t know why I’m still waiting for a check to come I was just reading your new policy on the ppp loans saying if you suspect fraud you will report it to the police I didn’t know a bank can call the cops so that’s at least 80% of your customers gone Sent them a email still nothing they even blocked me on Twitter moral of the story is there stealing your money I’ve been waiting 4 months going on 5 and no update no nothing

    ...

  • author
    TiYonna
    Sep 04, 2021
    Do not trust this company with any of…

    Do not trust this company with any of your funds, they make up excuses and will do anything to keep you from talking to a representative. Everytime I called I was on hold for over an hour. They give you a call back option then no one calls. You ask a question they have to call a higher up. I highly doubt they are really doing anything to help the environment, and just use it as a tactic to get new customers.

    ...

  • author
    Patrick Diamond
    Sep 03, 2021
    Excitement to frustration to disbelief

    Excitement to frustration to disbelief. Those are just a few of the emotions I felt in trying to open an account at Aspiration. The first clue should have been that their hold times were awful. I made 6 calls to them to try and get a resolution. Not a single call had a hold time of less than 20 minutes. I know what you're saying... Why didn't I stop there, right? Well I certainly had the thought as I was holding, but as my bank which I was with for 12 years (Simple bank) was purchased by BBVA, I was motivated to make a change to what I thought would be a company who would use my deposit account funds for good. That's where they get you. So after several e-mails with broken promises of responses ("you'll hear from us tomorrow" was more like "we'll get to you in a few days maybe, if you're lucky, and we feel like it"), they randomly sent a message stating that my application had been denied. "Denied? How could I be denied for a simple checking account?" was my immediate reaction. So I did what anyone would do... I asked why (in an e-mail). That's where it became unbelievable. The response was a flat out refusal to provide any information. The law here is pretty clear: "You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name, address, and phone number of the agency that provided the information." And there's a good reason for that law... how can a consumer correct something from a reporting agency used, if they don't know where it came from? I'm house hunting at the moment, and am dismayed that I don't know where they're getting the information they used. I religiously monitor my credit reports, and subscribe to resources from the major credit bureaus, I know what's in my files, and it makes no sense that it would be the problem. Since they won't give me information, I have now become paranoid that my identity information has been compromised or there's another problem. I even contacted ChexSystems just in case... and my file came back completely clean. I have good credit, nothing on ChexSystems, and no idea where to turn now. I've been forced to file a report with the CFPB, and have also involved the BBB. I can't remember ever having such a horrible experience with a financial institution. My suggestion? Steer clear. I get the feeling that their ploy is to tug at your heart strings and play to your beliefs system in order to have you overlook the glaring red flags of poor service. Something is seriously wrong with Aspiration Financial... don't be like me and ignore all of those bad reviews you see. You know what they say... if something seems to good to be true...

    ...

  • author
    Jeremy Robinson
    Aug 31, 2021
    Aspiration is horrible I understand not…

    Aspiration is horrible I understand not offering business services but what give you the right to STEAL FEDERAL PANDEMIC MONEY FROM YOUR CUSTOMERS!!! You have no right to do this to the many many American people that are stuck with money in your firm and you’ve locked them out and won’t give anyone any explanation why. I hope you understand the complaints that are mounting up into a class action lawsuit against your business. With all the complaints about your company it will FORCE the FINRA SEC SIPC AND ANYONE ELSE THAT REGULATES you to help us retrieve our funds and hopefully shut you down

    ...

  • author
    customer
    Aug 30, 2021
    YOUR MONEY IS NOT SAFE HERE

    I've had an Aspiration account for a few years,I've never had a problem until now. I had my PPP loan deposited and it seemed fine until a few days ago, they locked my account because of "suspicious activity." I replied to the email to try to resolve the problem and heard nothing so then I called to speak to someone and I was hung up every single time. They have their representatives read a script that says: "Aspiration is ceasing contact with you effective immediately" then they hang up. I called and asked to speak to a manger and no one would help. THIS IS ILLEGAL AND HORRIBLE to do to people.You cannot close the account and keep people's money! I have been sick with stress trying to figure out a way to access this money. I needed it from my loss during COVID-19. I am on my way to filing a class-action lawsuit.

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  • author
    Jeremy Robinson
    Aug 29, 2021
    Aspiration bank is absolutely horrible

    Aspiration bank is absolutely horrible. I received 10k from the SBA GRANT program. I emailed this bank 4 days prior to receiving this deposit I was assured and led to believe my funds would be fine and I’d be able to access. When the money hit the account I accessed 1k of it before they froze my account and it’s now pending closure. I sent them all documents proving my money is legal and legit and they still kept it locked. They decided to close my account because it doesn’t offer business services but however I received 2 PPP LOANS without any problems. They did not give me a chance to withdrawl my funds electronically before closing the account which I’m still locked out of and it’s still PENDING closure after 10 days that’s ridiculous they are taking advantage of people during this pandemic and gaining the interest of this money. This is a fraudulent company. I have emailed them numerous of times and they don’t respond. They have no legal reason whatsoever to hold my money. I’m ready to begin a class action lawsuit

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  • author
    Evolving Butterfly
    Aug 28, 2021
    Locked Out & Exasperated

    I received an email notifying me that all three of my Aspiration accounts have been locked on Wednesday, August 25, 2021 at 12:14 PM. I had been steadily building my Redwood (REDWX) fund & currently have over 40 shares (40.234 I believe @ $18.21 per share, which equals $732.25) as of Friday, August, 27, 2021 & $3.10 in my Spend ($2) & Save ($1.10) accounts. Stunned, I tried logging into my account via the Aspiration app, which I regularly checked. It directed me to reply to the email I’d received to unlock my account. Upon doing so, my account was not unlocked; all I received was a case number of 3668566. I then phoned Aspiration & spoke to two agents who couldn’t give me an answer as to why I was locked out. Hugo (the second agent) gave me an equally curious & cryptic response, claiming that the reason why my account was locked was“privileged.” Privileged from the account holder? That made no sense and felt to me as if something was terribly amiss. To compound my misgivings, Hugo couldn’t give me a time frame as to when I could expect a response, much less a resolution from Aspiration. NEVER have I encountered such strange/cryptic behavior from a financial institution. At this point, I do not wish to do business with a company that arbitrarily locks me out of my account without a sufficient reason as to why and has not responded to my requests to close my account (I have made three thus far and phoned six times already and it seems that my number may be blocked since I get dead silence when ringing the number). I just want to CLOSE ALL ACCOUNTS, transfer the funds to my account on file OR mail a check of at least my $697.23 (or the current market value of my over 40 shares).

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  • author
    Michelle
    Aug 26, 2021
    I feel my money is unsafe…

    I had my account for a couple of years without any issues. Then in May, I disputed a payment. It has been 3 months without any type of resolution. My dispute hasn't even been reviewed yet!! I closed my account since I no longer feel my money is safe.

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  • author
    Shikira Jones
    Aug 24, 2021
    Trash fraud bank

    A month and still no update account still locked I’m blocked so no way to get in touch with anyone. 6,000 being held. F*** this bank second time account was locked.

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  • author
    Deniece Fridy
    Aug 26, 2021
    Which is it????

    Aspiration seems to be a good bank. But they need to say what they mean and mean what they say. As far as this sign on bonus goes. 1. They say it takes 15 seconds to be approved for an account. *It took me a month and a half to be approved. 2. They say we have to get 1000$ in 60 days from when you started your account. *But they told me it's 60days from when your account is APPROVED not STARTED OR APPLIED. ( hence the month and a half) 3. They say we can expect bonus to be paid out in UP TO 120days from when account was OPENED. * I was told u don't get bonus until the 120th day exactly. From when your account is APPROVED not STARTED. Y'all need to get that together.

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  • author
    Shenold Robert
    Aug 23, 2021
    This bank is the worst bank ever I…

    This bank is the worst bank ever I regret ever banking there i had my ppp loan paid in there and after some days it was locked and till now nothing was done I have already sent and email to the support team and they said is still under review is almost 3 months now and nothing is happening, they should do something about it or I have tweet against you guys, that money is my last hope and now is locked shame on you aspiration

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  • author
    Steve Torrence
    Aug 24, 2021
    The worst bank I've ever dealt with

    The worst bank I've ever dealt with. For the past week you can't even login to your account. On a phone you get "API ERROR" on a desktop you get to the login screen and it just continuously reloads the page. No way to enter in your information. Stay clear from this scam bank! In response to their response: I did call in and they said they only allow access from within the US and suggested to use a VPN. Very bad engineering in my opinion and only allowing log in from within the US was a recent undisclosed change and poorly implemented as site simply doesn't function if logging in from outside the US. Phone app just gives API error and website repeatedly reloads the login screen. Doesn't instill confidence in a place that is holding your money. Just read the other reviews here to see the continuous problems people have with this bank.

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  • author
    Staine III
    Aug 20, 2021
    I disputed a transaction which i didn't…

    I disputed a transaction which i didn't authorize and next i know my account was locked it been over 20 days now they said they'll get back to me and they didn't i called in as they said yet my account was still under review which I don't i have about $1500 on it...if they can't return my funds they should release my account for God Sake

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  • author
    Aiyianna Brown
    Aug 19, 2021
    This isn’t humane or right. It’s illegal….

    My mother has only been with Aspiration for like 2 weeks. She figured she could trust them, she’s a little older so, they’re “promotion” looked promising. Looking at these reviews now, is the saddest thing. My mother has health issues & she put her funds on their because she was moving down here with me, for me to take care of her. They said it would be a 72 hour “unlock” to get her funds. It’s been over 72 hours. She’s supposed to come down here tomorrow. We’ve already filed 3 lawsuits with different people this whole year, and not trying to go down that route again but we will DEFINITELY be filing a lawsuit if my mother doesn’t get a response in the morning. This is insane. You shouldn’t be taking advantage of people. She has medical bills to pay, she worked her ass off for that money. Hearing her cry and not knowing what to do is adding nothing but more stress to her. This doesn’t make sense. Hopefully she has access to her funds in the morning or get someone who helps her when she calls in the morning. This is illegal. This is sad. My mom doesn’t deserve this. We’re in a pandemic & this isn’t right? I seen someone say they reached out after posting a review here. So if this doesn’t help, I guess another lawsuit it’ll be.

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  • author
    Yoandy A Ramirez
    Aug 18, 2021
    what everyone is saying is true

    what everyone is saying is true, they locked my account with my money even though I verified my identity and the origin of the funds, stay away save yourself the headache.

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  • author
    Badmood
    Aug 16, 2021
    Aspiration is CRIMINAL! SPREAD THE WORD!

    Aspiration locked me out of my account 3 weeks ago. No warning, no explanation. Just locked out. Customer service team knows nothing and you cannot get in contact with the review board. I've been reading hundreds of reviews from people that this has happened to and they are locking these accounts for months. If you have been affected by Aspiration's shady business practices get on twitter and start retweeting and sharing. I am calling out their CEOs and bringing it to the attention of media outlets. This so called "ethical" bank is ruining lives and it has to stop. Follow badmoodleather and spread the word or start tweeting at them yourself. They can't get away with this theft forever.

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  • author
    Zarifa
    Aug 16, 2021
    This company is a down right crooked…

    This company is a down right crooked and a scam, please don't open an account with this company something is very wrong and unprofessional about this bank. I have transferred money from my external bank to this account and this company has locked my account and wont give me my money back. I have called over 30 times and either got no one or an unprofessional so called supervisor who has been unable to help me. If I don't hear back from someone asap I will contact a lawyer and the better business bureau and so forth. Please if you are reading these reviews do not open an account with this bank. I will go on every social media account and let as many people as possible know .

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  • author
    ZW
    Aug 13, 2021
    Do not sign up

    This company does not care about people or protecting your account , money or personal information. Over 600 dollars was stolen from my account. I disputed it and they denied it let me give you the details. I live in the Bronx I use Apple Pay and I’ve only used an atm once and it was an all point atm that they told me to use. My card was used on a Sunday 830 in the morning at a chase bank atm , which I don’t even have an account with them. And you don’t even need to use a pin to use these debit cards all you have to do is press that little yellow button. IM SO DISGUSTING THIS WONT BE MY LAST REVIEW OF THIS COMPANY. I will continue to tell my story.

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  • author
    Seth Mouzon
    Aug 18, 2021
    They lock your account with no explanation

    I'm in the same boat I see so many people are here because of this sorry company. They are thieves no other name for them except crooks. Nope they don't invest in gas companies nope they just steal everything and locked ur account with no reason why. Prolly lost it all in Vegas that's how they invest all our money. How do they let 4large purchases on June 22 made to Alibaba go though. Nothibg suspicious about that.....The did Denie 1 of the charges once but then let if ho through. I tried calling them but they were closed so sent an email and called at least one a day pressed 8 for call back sat on. Hold never spoke to anyone only that email. 6 days later told no error on my account no unauthorized charges. I had to contact Alibaba myself to get them to say no wasn't me I never had an account soon as they reopened my case and fi gave them Alibaba statement account gets locked. Emailing every day or calling finally told july 27 have Answer for me I received the money but account still locked and case still open could lose money again. No update yet no answer as why my account is locked no answer on when this will be over. Just took all my money everything I have gave no reason why I'm the victim. Some one else hackex my account was able to make few charges very easily I may say using the virtual card number not my debit card. How is this possible and I'm being punished. Im in process of speaking with a lawyer on my options this company had to face some kind of punishment. They can't just do this to people the way things are now and yet this company free to wild out.

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  • author
    Jason Robertson
    Aug 23, 2021
    Piling on with everybody else

    Piling on with everybody else. I have been working with a supervisor on a situation where aspiration failed to pay me out a promotion. We got that straightened out, but next thing you know they locked my account. Extremely shady and fishy. They didn't want to give me the promotional payout until I provided screenshots indicating I was in the right. But then they locked my account so I can't get the promotional balance. Will be reporting to the Consumer Financial Protection Bureau and my local attorney general. Customer service acts like they can't do anything and it's apparently my fault. I've actively been communicating with them, verifying my identity and my activity while we worked this issue out. Locking my account is merely a ploy to avoid paying funds. Updated: I contacted support and still the same old. "We have no further information to share" while my bank account is held hostage.

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  • author
    K. Plum
    Aug 06, 2021
    I had definitely been hesitant to join…

    I had definitely been hesitant to join a neobank with no brick & mortar locations, but I'm definitely glad that I did. I have no reason to walk into a physical bank, I have access to ATMs without any fees all over the place, and I can do all my banking on my computer or phone (like we do everything else). And now I'm banking with an institution that reflects my values - it's important that my deposits aren't going to corporate activities I don't support.

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  • author
    Jim Branner
    Aug 11, 2021
    Take online review you can never give negative stars for this should be do not use

    This is a crap company. They froze our account. Couple thousand sitting there. Unable to use or access. It's been 3 months.. BS in response.

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  • author
    Lyn
    Aug 04, 2021
    Locked Account

    Locked Account Aspiration sucks ,I just made a transfer of $1000 from my external account and what I got is that my account has been locked and I should respond to the recent mail sent to my email which I didn’t get ,please I want you to unlock my account so I can get my damn money out .

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  • author
    Tawauna Garel
    Aug 04, 2021
    No one still have contact me about my…

    No one still have contact me about my account. My rent is due Friday. I need my account unlock today will transfer out closed entire account

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  • author
    Jason Bornstein
    Sep 01, 2021
    My debit card information was stolen…

    My debit card information was stolen and Aspiration quietly emailed me in the middle of the night to inform me my transaction was not fraudulent months later. According to Aspiration, I can teleport, I guess? Edited to respond to Aspiration: I’ve tried. Your “customer service” department has been completely unhelpful and whomever is “investigating” need simply look at my address on file to know I don’t live in the state of the transaction. Right now, I really hope Aspiration goes belly up. Thieves.

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  • author
    Monica
    Aug 10, 2021
    Resolved

    Account was frozen on 08/02/2021 & the freeze was removed on 08/10/2021 after numerous phone calls

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  • author
    Tawauna Garel
    Aug 02, 2021
    Unlock or Unfreeze my account please….

    I have a Aspiration Account my account has been frozen for almost 2 months. My lights have gotten turned off. I email the company my bill. My rent is extremely late. I have contact BBB, Consumer Portal, FDIC, etc. next will be a lawsuit because they don’t care about me and my kids getting put out on street. No explanation on why. No update as they say my number is blocked. Please help someone

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  • author
    Bryce King
    Aug 01, 2021
    CRIMINAL BEHAVIOR

    I've been with Aspiration since 2017 and so far have been a happy customer, but something really strange has been going on with their company lately. Last month I noticed that the mobile application isn't working (giving an error message when I click the "log-in" button), so I contacted customer service. Within a few days a received a response that seemed auto-generated suggesting a few things to try, which I of course had already tried to no avail. I responded with screenshots of the issue and was told that my complaint would be forwarded to the operations team. Now, a few weeks later, the app still has not been updated and is still useless. After reading many reviews of people with similar experiences going back almost 2 months, I had a funny feeling and decided to sell all my Redwood Fund shares and pull the money out completely, which turned out to be a wise choice, because now the log-in page on their website seems to be broken and indefinitely refreshes, not allowing me to log-in. I was able to force stop the refreshes and try logging in, but was met with a message that my account has been locked and I need to respond to the recent email from customer support... but I haven't received any messages from them. Everything about this is extremely shady and totally unacceptable for a financial institution. After seeing how many others are having similar issues, I'm starting to think that something criminal is going here.

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  • author
    A-Z Linguistics
    Jul 30, 2021
    I dislike places like this for it's…

    I dislike places like this for it's easy for an account to be hacked. You can not get your money back. Also, my identity was stolen and places like these thinks it's you BUT it's not and will not help you. I know I cry all the time cuz my identity was stolen.

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  • author
    Kevin
    Jul 29, 2021
    Don't trust them with your money

    My account was hacked and after they "reviewed" it, said I was not due any of the money back because I should have been aware of the fraudulent transactions. Don't trust them with your money

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  • author
    alexis escobar
    Jul 29, 2021
    Today i called due to pending statutes…

    Today i called due to pending statutes and a merchant that had tried to pull a quick one on me. Sarah was amazing help by investing the facts and clearing pending transactions and retrieving my funds back from a shady merchant. I was 1000% satisfied that i had my funds back in a speedy manner. Thank u Sarah and thank u Aspiration for helping me and helping Dave the planet!

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  • author
    Robyn Ruehlen
    Jul 27, 2021
    My account has been frozen or under…

    My account has been frozen or under review for several months. I get no updates ever. Sad thing is I've only had 3 transactions. Small ones. There's nothing to review! They ARE STEALING EVERYONES MONEY

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  • author
    timothy singleton
    Aug 06, 2021
    Aspiration has customers in the DARK

    I opened my account early December last year and everything has been fine until I received a large deposit they locked my accounts and I haven’t had access since 6/14 here it is 7/27 and I still have no update or anything I’m sure this corporation is stealing from us and I was all for Aspiration’s mission at first but now hundreds of customers maybe even thousands are going through this big gap in there life with aspiration. Support tells me that my account my have been compromised and that it’s locked for review and it hasn’t I can verify every transaction. Aspiration this isn’t right and is the complete opposite of what you guys stand for Update: I called and waited on hold for 1 hour and 5 minutes and the rep tells me she has no information and 7WEEKS is a normal review time Update: Aspiration replied below and has yet to resolve the issue (going on 3 months now) Update: They said my account is pending closure and they’ll be sending me a check with my funds

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  • author
    Tyler M. Woodard
    Jul 27, 2021
    Very Bad Customer Service

    Very bad customer service. I need to send a check to my employer, and it has been two weeks since I alerted them to an error in the app that wouldn't allow me to do so. To my knowledge, no action has been taken, and I haven't been offered any alternative besides waiting. I would have expected them to say, "tell us who you need to send a check to and we'll get it done another way." But instead, I'm stuck here waiting.

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  • author
    Skeeter
    Jul 27, 2021
    I am wondering whether Asperation is a…

    I am wondering whether Asperation is a criminal enterprize. Please read all the detailed 1-star reviews. All the 5-star reviews are short and vague, probably written by employees. The 1-star reviews say that Aspiration kept the money that was deposited. My experience with Asperation was that someone stole my identity, opened an account in my name at an Atlanta bank, then transferred money to Asperation. When I called Asperation (hours long wait), I was told that they would investigate the situation. When I asked when they would reply to me, I was told that they would investigate internally but not let me know the results. I said that that approach did not comply with the procedures required by the Federal Trade Commission, and the person on the phone said, "Hello? Hello? I can't hear you," and hung up. I'm laughing at the four recent 5-star reviews, all written within an hour of each other and all nearly identical. My favorite is "JB"s comment "great customer service." Hahaha! There are only two ways to communicate with Aspiration: email and phone. If you email the company, you will receive a reply telling you to phone the company. If you phone the company, you will be put on hold for hours and hours. If Aspiration does not wish to communicate with you, they will block your calls. Yeah, that's "great customer service."

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  • author
    Muhammad
    Jul 26, 2021
    Account locked right after I put in my opening deposit

    I opened a checking account with them in Feb 2021 and made an initial deposit of 2K and set up recurring deposits of 1K. They locked my account the day after opening due to security concern and even though I have submitted the requested documentation from their team months ago I still have not been able to get my funds back. I have reported the bank to CFPB and also sent them a legal notice but have not had any concrete update from them. The company is highly unethical in its business operations and their customer service is non-existent with hour-long waits.

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  • author
    Joseph Stephen
    Jul 27, 2021
    Aspiration is unethical and cares nothing about it's customers

    My story is pretty much the same as all of Aspiration's other victims here. I received a PPP loan and the first draw posted without a hitch. No problems there but around the time I was due to get the second draw, I had claimed some suspicious transactions and once they were settled, my account was unlocked and I was sent a new card. 3 days after I activated this card, Aspiration froze my account and refuses to correspond with me about why this has happened and gives me no information whatsoever as to what I can do to regain access to my account. My business is suffering and my family is doing without because these people think they have the right to snatch up my funds and just shoot me the bird as they maintain this unethical policy that is plaguing almost anyone who has entrusted them to handle their money. It's been 2 months and my account remains frozen with no end to this nonsense in sight. I need my account back now and it seems no one can/will help me. Update- Although I can't seem to contact them to work out whatever problem is keeping me out of my account, they sure replied to my review with a generic, bot-generated response quick. Maybe they think they will save face by doing that or make me look like I'm being unreasonable or impatient but I'm pretty sure we are all in agreement that Aspiration is lying to us and they're robbing us blind because we can't do anything about it. If I'd known this bank (or whatever it really is) had any vague connection to the Clintons I would never have given them a penny.

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  • author
    Kenny Brown
    Jul 24, 2021
    I need my account to be unlock

    I need my account to be unlock the account is lock it's been about two months with all of my money inside the account. Here's what gonna happen I'm gonna file a federal lawsuit against Aspiration Bank. If there no response about my account been unlock back that's what gonna happen a lawsuit.

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  • author
    Kerri
    Jul 26, 2021
    Member since 2017,they took a terrible turn recently

    I've been with Aspiration since 2017 and was so happy with them until July 2021. I've previously had to call in to support if I'm doing a wire transfer or have a question about my account and didn't have any issues. However, at the beginning of July I needed to call in and in between hold music a recording said they were busy and I could request a call back, so I did that. After half an hour I called back in and waited on hold for a customer service rep for FOUR HOURS before I gave up because I knew their support closed at 6PST and it was a few minutes past. I sent an email while I was on hold as well thinking someone would get back to me. The next night I received a call back and the rep was confused and told me she couldn't help me. I asked to speak with someone else. I'm put on hold, she comes back on after a while and informs me I will not have access to my account. I ask if I can just transfer my funds to another linked bank account and I'm told no, I cannot. This account cannot be closed and the funds must remain with Aspiration. But I cannot access them. No reason was given, she said she didn't understand why. I've tried, unsuccessfully, to reach someone almost every single day since then. It's now 7/23 and I'm pretty convinced they've just decided to steal my money. I feel awful as I've recommended this bank to friends and family for years and now I'm in this situation and I have no idea what I'm supposed to do to get my money. EDIT: After looking through other reviews it seems this is just how they do business now. People complain on here about their accounts being frozen or their money stolen and it's the same canned response from Aspiration. I'm now 100% sure they've just decided to take my money and I'll start working towards getting in touch with some regulatory agencies to find a remedy. ANOTHER EDIT: Shortly after I posted the review I was contacted by a customer service agent who informed me everything was fine with my account and I have access to my funds. I had a deposit sent to me that I have a receipt for that still hasn't made it to my account and the agent created a support ticket for that as well so I feel a little better but all in all it took forever to just get in touch with someone and probably only because I posted a review here.

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  • author
    David Rivera
    Jul 23, 2021
    My account was locked for weeks was…

    My account was locked for weeks and I was was told it is under review and I ask myself review for what? I have not received any fraud money in my account but from my external account

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  • author
    Nellie Jackson
    Jul 21, 2021
    This is one of the worst banks to…

    This is one of the worst banks to communicate with I have been locked out of my account since may 10th I’m so disappointed I dispute a transaction and they locked me out and the ppl that answer the phone don’t know nothing just continuously lie to ppl about they funds to get the off the phone

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  • author
    Shikira Jones
    Jul 22, 2021
    Literally waited a month and a half for…

    Literally waited a month and a half for them to unlocked my account. Finally got it unlocked then a week later they locked it back for no reason. Got hung up in my face twice by representatives and they won’t talk to me. I just wanted to take my money off because I’m moving in 4 days. It’s really unfair. I haven’t bothered them or anything. They keep sending new cards that I can’t activate because they keep locking my account without warning for nothing. Ceo and co founder both blocked me and also has aspiration to block me off social media. They’ve blocked both my number and emails as well

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  • author
    Kristen Leonard
    Jul 19, 2021
    Robbed

    I bet it makes them feel good to give their employees $25 an hour. Especially when Aspiration locks your account with every penny to your name in it, for 5 months and counting. This is the same account they opened with false information (due to a ss # typo) that wasn't noticed until a password needed to be reset several months later that I brought to their attention. Yet, even with all the correct documents it's now been 5 months and can't be told ANYTHING about the account that's "under review" because their "security team" will send an email when they have any information. At least it's refreshing knowing that some lucky worker can have 17 weeks working 40 hours a week with the money they've held hostage...

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  • author
    Daniel Schlossberg
    Jul 18, 2021
    They are not truthful

    I joined Aspiration three months ago, and have been willing to give it a chance. I've had questions I sent by email and called and heard back from them weeks later. ZIt didn't say anything anywhere about a yearly charge when I signed up, but I agreed to pay $7 a month and was shocked when they debited my account by $72 on top of that. I went into my payment history and the it says I am still too new to have a payment history. I told them I want to cancel my account and they said all I have to do is reverse my transfer, but that didn't work either. I also tried unlinking my bank account, but it won't allow me to do that either. After reading all these reviews, I'm not even going to bother contacting them again. I'm simply going to tell my bank I no longer authorize any debits to Aspiration.

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  • author
    Ethan
    Jul 16, 2021
    I dig that Aspiration lets me get away…

    I dig that Aspiration lets me get away from banking with the big banks and plant a lot of trees. App works fine too.

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  • author
    Michelle Wallace
    Jul 16, 2021
    This bank is the worst I ever used…

    This bank is the worst I ever used in my life. Locked me out for no reason and I have no access to my funds,life has been hell for me without money to even maintain daily expenses. I called and email them but they keep telling me to be patient. I’ve been patient for more than a month now. I need my money please do something in time !!!!

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  • author
    gabriela ibarra
    Jul 15, 2021
    This has been the worse nightmare ever…

    This has been the worse nightmare ever intended for human kind. They have had my money for two weeks now and nothing. Same story.

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  • author
    Jason Hanna
    Jul 19, 2021
    Updated response to Aspiration.

    Agreed this is the worst financial adviser ever. The only way they are helping you make money is by keeping you from being able to access it. Such a joke. I called going on 6 weeks ago to see why my account was locked. I was told that Aspiration was ceasing communication with me and hung up. So while they keep the $17,275.01 of my money in there account and making interest off those funds keep in mind. They are going to take as long as they want to to return the funds. This is crazy they have done this. I have retained an attorney to file a lawsuit in the courts as well as arbitration with punitive damages. I was told 6 weeks ago by Aspiration customer service that if the funds were not returned in 10 business days then I could call back on that 10 day and have the process expedited. This was a lie it has been 30 business days as of now and still not a thing has been done except still being charged the monthly service fees. Please contact me if you have had similar experiences as I would like you to sign my petition to the courts along with your contact info to possible be a victim and character witness in this lack of business ethics in Aspiration's business practices. My email is jhannaaph at Gmail dot com, thank you, God Bless, and lets get them held responsible for there actions and slack business practices! Update as of today July 19th my account is still locked. Sir you now come on here to say my account is still in review. I would like to ask how is that when previous emails from 6 weeks ago state my account is being closed and funds will be returned to where they originated from? Also 6 weeks ago one of your agents stated when I called after receiving this email that the funds would be returned in 10 business days or less, and if they had not I could call back and have the process expedited. Well sir no I can not as Aspiration has blocked my number as well as in the email had stated Aspiration is ceasing communication with me. Now any time I call from a number other than mine, all I get is that statement; "Aspiration is ceasing communication with you." Then I am abruptly hung up on. So there us no way to have the process expedited. I will say this with large amounts of money held in people's accounts and also still charging the agreed monthly donation even when the customer has no access to there account, Aspiration is in turn making money hand over fist with interest and also the monthly donation agreed apon when signing up. Suggestions if you are stuck like I am with your account locked. Contact the loan agency or who ever processed your loan application and ask them to put in a reversal request of the remaining funds to Aspiration. With Aspiration making so much money off holding your money there is no sense of urgency with them returning it and can hold it for up to 2 years before it is returned. Sir you send this response that my account is under review. Well read the notes before you look like dweeb. I have gotten 2 emails 1 saying my account was locked and 2 saying the funds were being returned, Aspiration is ceasing communication with me, and closing my account. So what review is there now after being told already my account was being closed. Keep in mind I received the 2nd email 6 weeks ago also.

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  • author
    Mirazambek Tulkunov
    Jul 14, 2021
    I have been locked from my account for…

    I have been locked from my account for 6 months, i could not access my funds for half a year awful company never trust your money to this company.

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  • author
    Raymond Ade
    Jul 14, 2021
    Aspiration bank is giving me hard time…

    Aspiration bank is giving me hard time and I’m so broken, my account was locked on june 3rd I called 4 times every weeks all I got was your account is under review. I sent lot of emails but no reply yet. Why are you treating your customer like a slave. You are so wicked. I need my account to be unlocked or you return back my money to the sender. I need this money to safe lives.

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  • author
    Debby
    Jul 10, 2021
    THIS IS WORST BANKING COMPANY

    This is the worst banking company. I don't advice anyone to apply for anything with these people. This is totally unacceptable. My account got frozen and the craziest part of it... This same company will continue to accept your incoming transfer while your account is frozen!!! I sent them an email concerning my money in my account and if my account is not open withing 48hours. I'll make sure this company stop working! This is scam company!!! Keep off!!!

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  • author
    Tan
    Jul 10, 2021
    Why would aspiration lock out my…

    Why would aspiration lock out my account for a long time without doing anything about it, been calling and they said under review,I need my funds for my business, this is so annoying

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  • author
    ADRIANNA
    Jul 13, 2021
    This is by far the worst online bank i have ever known

    This is by far the worst institution i have ever bank with, they entice you by telling you they're saving the planet when all they are doing is to rip you off your hard earned money, i apply for ppp loan which was paid into the account,they got my account locked days later claiming they detected fraudulent activity when nothing of such happens, i reached out to them by calling and mailing them but all effort prove abortive, how do i apply for forgiveness of the loan when i didn't even use a cent out of the fund yet, my business crumbled as a direct result of COVID-19 and i was hoping this fund will get me back on track and now i'm here with no hope in sight thanks to Aspiration for crushing my only hope. and now you are replying with 'i should send mail to support.aspiration.com' that which i have done countless time as well as calling your customer care which you always keep me on hold for more than a hour before even getting the chance of talking to any agent. I have resent you a message through the support and all i want is to access my fund right now

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  • author
    Kathy Lochner
    Jul 08, 2021
    How I got my account unlocked

    I wrote a previous review but don’t remember my log in, so here goes my last update. I was locked out of my accounts for 6.5 weeks. All the while being told how sorry they were and for me to be patient. Most times my calls weren’t returned or emails answered. I filed with the BBB but that’s a long process. So I figured I’d take it to the top and googled who owned the bank. I found Andrei Cherny and Joseph Sanberg on Twitter and started making comments on their posts about my situation and how unethical they were. Got a message within an hour from a rep saying they could take care of it. I was skeptical because I’d heard this before. That evening I got a message my accounts were unlocked…and they were. In the process of closing my accounts now

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  • author
    Jesse Cochran
    Jul 08, 2021
    Account locked/ no communication

    I had $1400.00 fraudulently removed from my account and 2 weeks later they still cannot give me any information as to why funds have not been returned. If I am ever actually able to speak with someone all they tell me is that "the team" is working on it. This is inexcusable, no reason my funds haven't been replaced

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  • author
    Jeremy Bennett
    Jul 06, 2021
    Im contacting the FBI and FDIC TODAY…

    Im contacting the FBI and FDIC TODAY this company has froze my account and yet has given me any answers after 4 weeks this is theft fraud and miscommunication with advertisements I am done with this company and I'm not going to stop until I shut them down or my name is on the door of the president's Co office if you think I am playing I promise you I've done my research and I'm fixing to shut them down I want to start a petition that this company B disband from being able to provide any Financial Services to anyone and it put me and my family are risking it Bond I am demanding answers today and my phone's been addicted to another account or I promise you within the next 48 hours this company will be on trial I'm not even going to waste my time with a star I hope everybody reads this and you do your research because this is not a bank this is a fraud scam and I will be shut down before they even have time to read this email

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  • author
    Margo Nauman
    Jul 05, 2021
    This is not a real company

    This is not a real company. Please do not get involved with them. I was sent a card in the mail that I did not request and so I tried to call them to report the fraud. I tried literally every day for two weeks. I got put on hold for hours then got disconnected — every time I tried. Then I tried emailing them and they blew me off. Refused to call me and said I was welcome to call them back on the same number they never pick up!!!!! Do not get involved with this bogus bank.

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  • author
    Tyler Duckworth
    Jul 02, 2021
    They locked my account for no reason

    They locked my account for no reason. I’ve been trying to call them for hours now with no one answering. They took a fee out for an account I had already tried to opt out of. I have money in my account that is all that I have to live off of and I can’t even access it. I do not recommend whatsoever

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  • author
    Elizabeth Annabel
    Jul 02, 2021
    My account has been locked for like 4month

    My account has been locked for like 4 month and yet aspiration hasn’t done anything on it even though I called them email them still the same pls aspiration I need the money inside if you can help me out with the money I won’t mind coz I don’t think I will use this bank again

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  • author
    Joe Bidenn
    Jun 28, 2021
    i don't know why aspiration lock my…

    i don't know why aspiration lock my account without anything and have message nobody respond back to me since all this while....pls i really need your help on this team of aspiration bank should try and solve the issue for me my name is Lorenzo Gutierrez.

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  • author
    Erica
    Jul 09, 2021
    Aspiration Bank are thieves

    They froze my account barely 2 days after I received my unemployment backpay. I went thru months of verifying my identity, adjudication, and claim reviews, just to have this bank steal my benefits. Even after sending them all the documents they requested, they said they were closing my account. That was 81 days ago. They have still not closed my account or sent the balance by check to me, as they claimed. They have blocked me from calling them, as well as blocked contact on Twitter. They are doing this to hundreds of their customers. This company is not to be trusted whatsoever. They don't follow through on bonus offers, and use bait & switch tactics. They lock your account, never give you a valid explanation, never give you answers or follow-up, remove your access, block you from contacting them, and don't return your money. Aspiration Financial is nothing but thieves and con artists using the environment as a ploy to rob their customers. To your reply: I sent the email to support, just like I have many other times. Haven't received a single reply to any of those emails, so you can quit with the "concerned" act. A concerned business wouldn't block their customers from calling, block them on Twitter and ignore all their emails.

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  • author
    Parth Ahya
    Jun 27, 2021
    Horrible

    I tried opening an account. They took my money then locked the account and won’t return it. Customer service won’t pick up my calls.

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  • author
    Tim
    Jun 25, 2021
    don't fulfill benefits, no customer service, literal random fees

    Aspiration promises cash bonuses with specific terms then withholds payment at their leisure. They promise card benefits which they do not fulfill. They randomly deduct money from the account and do not timely correct. They do not fulfill their obligations of buyer protection. Many of these problems are due to their well-publicized financial difficulties. Staffing is one obvious casualty -- it used to be possible to at least reach someone in under an hour but now it takes 2 and that is no exaggeration -- and it's interesting how they have gone to the extent of taking money from customer accounts. Every ticket is responded to by a different person each time and they don't read the history. Aspiration promised a number of cash bonuses: for signup, Plus membership, and direct deposit. None showed up on time. One they explicitly promised (once already late) would be there on a certain date, didn't, then when I called they said they would "get to it when they got to it". The other they arbitrarily extended the payment deadline supposedly as a bonus for their delay in getting cards to customers (I'd had my card for ages). I was ripped off by Bloomberg News, which I timely canceled and due to their Web site malfunctioning followed up using Bloomberg's own alternate email procedures. Preserved mail server logs and signed proof-of-mailing timestamps from a third-party service. Provided all these to Aspiration (they lost track several times as noted). Aspiration sat on this, never communicated with me, then at the end of the time period "resolved" this against me without addressing any of the evidence whatsoever. They have the laughable "conscience coalition" which is supposed to give 10% back. That is not granted. Further, they randomly charged the monthly membership once a day, every day, until the account was empty. Reported this, finally got a response, still not fixed days later. Their schtick is the environment. They answer every call with "how can I help save the planet", ha. When I signed up I was supposed to get some recycled plastic card, but they mailed an ordinary "bad" plastic card then immediately followed up with the special card. I even told them I could wait. Some services randomly are only available through one user interface or the other. I really wanted to like Aspiration but they fail in every conceivable way. I am reporting them to regulatory authorities.

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  • author
    Kassandra ter Beek
    Jun 25, 2021
    They stole my money

    They stole my money. Over a month ago (so I have given them time to attempt to resolve) my account was somehow compromised. I received an email informing me that my email was updated. This is strike number one. When handling, not only money but also sensitive information, you need to be able to create multi factor authentication for things like this. I called them roughly 7 hours after the email arrived, immediately after seeing it (it happened at midnight. Checked my email at 7am). For 'security' reasons they locked me out of my account for a little over 3 weeks. Constant calling and emailing to see what was going on (they did *not* tell me they were about to do that) yielded nothing, not any response or explanation. When I finally was allowed into my account, all of my money was *still* gone after they told me they knew it was fraud. I had to re-report the fraud and, two weeks later, they say they have not gotten to it. Customarily, the money is returned to your account during the investigation and if it was deemed a legitimate transaction, withdrawn. Nope, they still have my money, no progress, no Customer Service assistance, blocked on Twitter, hung up on by the Customer Service. I am lucky that I have other accounts and only used this one for certain bills and was able to - mostly - maintain my life without this money (despite it being theft on them). However, through looking at other's experiences, this is not uncommon. Stay away from them. You're better off putting you money under your mattress. It's safer there too.

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  • author
    Awesome
    Jun 22, 2021
    The only reason why I gave it one star…

    The only reason why I gave it one star because I want to write a review. First and for most. The people who claim to save the planet is really scheming people. The fact that they go about changing your account number with out your permission seem like a scam. Have the nerve to send you and email claiming it was fraud going on when it wasn't. The reps will lie to you claiming that your information is not in the system so you have to email them. I have sent over 200 emails (literally) when it comes to my money I'm not going to play about my money. I'm glad I canceled my direct deposit because this so called save the planet bank is a scam and I will sue if I have to , to get my money. Everything is coming together now I dont think no one tried to hack my account. I think this company is watching re-accurent deposit and see who is loyal with it. Claim the account number has been change just to keep your money. Ummmmmmm not me so I believe I night have to go to court for this i will get my money back. Shame on you aspiration this is why your trying so hard to get new customers but It won't happen. I hope people read this review and know this so called aspiration is a fraud. They should get a regular account or choose a way better prepaid card like chime which is awesome great company who has treated me well and know the value of customer service.

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  • author
    Ryan
    Jun 22, 2021
    Horrible company, let alone bank.

    Horrible customer service, is currently holding my "posted" direct deposit of over $300 hostage and customer service is not helpful. Also changed my account numbers and debit card with no notice. Support hold times of at least an hour, with really bad hours. Good luck reaching them, or even having them fix the issue.

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  • author
    Tanika Ewell
    Jul 07, 2021
    My account got locked after taking off…

    My account got locked after taking off 500.00 it's been ten days they take long to handle the situation. It's now been a month i still haven't gotten a check or my cash that's inside . Im very disappointed and 😡 its a pandemic all around the world in we as people are strugglin in this team cares nothing they show no improvement . I want my cash now!!!

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  • author
    Dimitri Titov
    Jul 06, 2021
    Account locked (updated) for one month.

    They locked my account after I called and told them someone hacked into my account after I saw that my email was modified. They told me they'd take care of it and I would hear back soon. This happened May 22nd. This will be one straight month of being locked. I called over a dozen times and they all tell me the same thing. I'm sorry but they're still working on it. What are they doing? They can't tell me. Can I speak to someone in the security department? No. I'm lucky I'm not completely screwed because I had worked significant over time so I am able to keep up for now. Is is unacceptable. How is this legal? This is insanity. I have reported them to the FTC and the BBB. What's next, the white house? Looking for a lawyer. Run away. Don't open an account with them. You'll regret it. UPDATE: called one final time and one individual told me the same thing. aaccount is locked and they can't help. I lost it big time, berated the company and asked how this was destroying me emotionally and financially. The guy put me on hold, the came back and said the account has been reactivated permanently. What? No explanation. Just like that. Activated. After a week of additional calls I had removed all my money via wire transfer and they mailed me my IRA. Adding my bank to ACH the money wasn't possible.

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  • author
    Tierza Gie
    Jun 21, 2021
    My account has been locked since June

    My account has been locked since June 3 they have blocked me from calling . I’ve sent several emails and no one has contacted me all my money on here . Please resolve this issue this is my livily hood

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  • author
    Madison
    Jun 18, 2021
    My account was frozen

    My account was frozen , they blocked every access to my money , i have tried calling and sending email concerning my account, i can't advice anyone to use this site with zero the customer care and they will never get back to you again. All the recovery team i tried never fulfilled their promise of recovery expect trustforensics.com.

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  • author
    Thedd Sok
    Jun 17, 2021
    Fakes and lieI’m in the same situation I’ve been…

    I’m in the same situation I’ve been struggling ever since this whole COVID thing started got laid off but got unemployment then they cut me off completely for months without an answer got kicked out the house because I had no income so Ive been living in my car ever since last year hiding from tow trucks and cops cause car notes insurance phone bill credit card bill all of it blew up in my face and finally I heard about ppp loans and saw my chance to get my life back on track because I was an independent contractor so I qualified application and all was completed and submitted so I called all of the numbers I’ve been ignoring and let them know I was going to pay all my bills then ten days later it was deposited into aspiration and I had no choice because all of my original banks got closed now I had opened this account months prior and used it for deposit from gigs I worked never any problems but and soon as the loan hit and I started moving money around paying people back my account got locked first second and third time was easy Just call confirmation and back into my funds this happen three days in a row now the fourth Time was on the 8 no reason at all I called from 8am all the way till 3pm and finally got through then they tell me they can’t say or tell me anything about my account so I asked to speak to a manager or someone that could answer my questions and he tells me managers don’t speak to customers I couldn’t believe what I was hearing from this dude I lost all patients and and told him to let me speak to some one else that would understand my simple question then a lady gets on and was very polite and said she would transfer me right away so I’m on hold for hours it was already 6 pm when I borrowed my nephews phone to call again and found out that they closed at four she transferred me 5 -10 mins before they closed been calling every day since and still no answer if I knew that these were investors I never would have trusted them with so much money one of the so called managers hung up on me because I asked if they just wanted to hold on to the money to build interest for their own gains while pretending to Care about customers and the planet sorry but that’s just how I see it from their actions and no response worst place ever. And I will get reimbursement for all these new recent late fees just writing this is pissing me off stop f-Ing with peoples money.

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  • author
    Peter Prowant
    Jul 02, 2021
    This is Frustrating

    This is Frustrating, i have been calling and sending email to Aspiration concerning my locked account.. (They will lock your account for no reason) why do you have to do this to my account? (I never complained about my account to you guys) i have opened my account since 2018, but right now i can't advice anyone to use or bank with Aspiration .. the customer care will put you on hold and they will never get back to you again.. DON'T USE THIS CARD! UPDATE! 07/02/2021 i have called many times , and i have sent email each time, but no response.. they are holding my money in the account for no reason! I have no issue with my account, but they decided to locked my account for no reason.. i want my money! Don't bank with this people!

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  • author
    Angelina Zenon
    Jun 16, 2021
    My acct has been frozen since June 3rd

    My acct has been frozen since June 3rd. After hundreds of calls and emails my acct was unfrozen on June 12th. They stated that there was fraud to my acct and gave me new acct #, new digital card #, And new debit card. Well needles for say I’ve had issues with my acct since and as of yesterday June 15th, they froze my acct again. And now stating that they have ceased all communication with me. I call and they hang up, no response to emails. They have all of my funds. I will be reporting them to the BBB AND GOING EVERYWHERE TO LET EVERYONE KNOW WHAT THEY ARE DOING. I WILL ALSO BE GETTING A LAWYER

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  • author
    Chasity Briley
    Jun 15, 2021
    My aspiration has been locked for a…

    My aspiration has been locked for a month now, my money is in there I kept calling they don’t pick up I have sent over 100 email they tell me someone will talk to me shortly but I get no response. What else can I do so sad

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  • author
    Kenneth Foster
    Jun 15, 2021
    Aspiration bank is a fraudulent bank my…

    Aspiration bank is a fraudulent bank my account got locked for no reason and I need my money to pay my bills I’m starving at the moment,I tried calling but no one is picking up for hours. They’re just too fake I’ll make sure I get the owner of aspiration even if it’ll cost my life.

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  • author
    Aaron Wiley
    Jun 15, 2021
    My account has been frozen due to…

    My account has been frozen due to security breach and it’s been 8days I can’t get access to my funds after I receive my PPP loan on the aspiration I have called 30times I was put on hold for days they give a date to get my account resolved and unlock I have a lot bills to pay with the funds in my aspiration accounts

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