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Aspiration Review

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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

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

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).*

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.

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Trustpilot reviews

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Aspiration
AverageReviews 308
on
Excellent
45%
Great
7%
Average
3%
Poor
3%
Bad
42%
  • author
    M Kenny
    a day ago
    Banking on values

    I joined Aspiration last year midway during the pandemic after getting dinged with overdraft fees from my bank. Beyond knowing that I'll never get charged those predatory overdraft fees at Aspiration, I love the climate-oriented mission and that my money is going to promote economic justice and a livable minimum wage. In short, no complaints about my Aspiration experience.

    ...

  • author
    Robyn Ruehlen
    a day ago
    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

    ...

  • author
    timothy singleton
    a day ago
    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

    ...

  • author
    Tyler M. Woodard
    a day ago
    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.

    ...

  • author
    EL
    2 days ago
    So happy I switched!

    For the longest time I was with one of the big corporate banks, whose values didn't correspond with my own. I was thrilled when I learned about Aspiration, a green neobank. Ever since, I've been a satisfied customer. Great financial products and customer service.

    ...

  • author
    Eli B
    2 days ago
    Fintech future

    Smaller, agile digital bank our the future. Glad I made the switch from an established corporate bank. Big plus that is an eco and ethically conscious institution.

    ...

  • author
    Sil
    2 days ago
    Eco-friendly neobank

    Love to see my financial activity turn into trees planted! Unlike with the big banks which just create pollution. Happy I made the move.

    ...

  • author
    JB
    2 days ago
    Great customer service, user experience

    Happy customer. Great product and great customer service

    ...

  • author
    Skeeter
    2 days ago
    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."

    ...

  • author
    Muhammad
    3 days ago
    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.

    ...

  • author
    Joseph Stephen
    2 days ago
    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.

    ...

  • 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.

    ...

  • author
    Kerri
    2 days ago
    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.

    ...

  • 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

    ...

  • 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

    ...

  • 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

    ...

  • 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...

    ...

  • 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.

    ...

  • 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.

    ...

  • 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 !!!!

    ...

  • 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.

    ...

  • 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.

    ...

  • 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.

    ...

  • 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.

    ...

  • 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!!!

    ...

  • 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

    ...

  • 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

    ...

  • 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

    ...

  • 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

    ...

  • 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

    ...

  • 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
    Katherine Woodall
    Jul 02, 2021
    Aspiration Bank i understand what all…

    Aspiration Bank i don't understand what all this is all about , it looks as if you taking people and your customers for granted , you ask me to email and i have done so for the past 2 weeks i emails you guys , i never hear anything back from you , it been 2 months now my account has been close for not reason , just to transfer my funds from my Aspiration to my other bank then you close my account , the funds in my account is for my business, you saying when the review is done , did you have any review done when you accept my deposit in your bank in the first place ?.....do you know how many families you have put through hell in the period we are ?? please i need my money as snap .......i think it is the right time to take the next step which you guys will regret off

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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.

    ...

  • 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.

    ...

  • 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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  • author
    Amanda Nowak
    Jun 15, 2021
    Absolutely awful

    I received an email last week saying that there was a security breach on my account and that I had been issued a new account. My credit card payment that I had made prior to this event was returned and I was charged a return fee as well as a late fee for not being able to make my payment on time. The new account information provided doesn't work, and neither does the digital card that was supposedly active. When I called the VIP hotline that was provided I was told that my verifying information didn't match what was on file, and I needed to call customer service. I have attempted to call several times, sent multiple emails, and haven't received a response. It blows my mind that a bank can be so negligent. I have filed a complaint with the BBB.

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  • author
    Debra Russell
    Jun 14, 2021
    Aspiration Bank is fraudulent

    Aspiration Bank is fraudulent, unprofessional, fake, and vicious! They froze my account for what has been a month, no one answers the phone, they do not return calls and no one will help. They freeze your money for an extended period of time. Then they have this fake pre-recorded supervisor call, that I never seem to get. They have caused financial distress and undue pain. They are thieves who steal your money and hold it, hostage, indefinitely. Fraud, Fraus, Fraud!!!!

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  • author
    Juliane A Cartaino
    Jun 14, 2021
    AVOID.

    Although they advertise with environmental platitudes that make it seem as if they are some kind of morally superior banking product, the fact is that they are not even a real bank. The reviews here from people whose accounts have been Locked and inaccessible should be a warning that you should heed. This is not what happened to me, as I was scared to put more than a bit of funds in because of apprehension regarding their Legitimacy. I had a minor issue and tried to contact customer service and I was on hold for almost three hours. Then they put on a message to say to call back? This is absolutely unacceptable. I had an authorisation hold drop off but the money never reverted back into my account! Then I tried to unlink my external bank account and it wouldn’t allow me to? I finally got some customer support via email after several unsuccessful phone attempts. Bottom Line is that there are enough glaring and egregious red flags, both from my and others’ experiences, documented here, that should give you pause.

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  • author
    inked amo
    Jun 13, 2021
    My account is currently locked and i…

    My account is currently locked and i need my money to live especially since coming out a pandemic.No one gives me answers or they say wait fir a email i don’t know how long they expect to hold peoples money without giving them a answer or definitive reason on why they are withholding me from my own money.I’m completely disappointed and i swear the minute it opens I’m closing my account

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  • author
    Katherine Woodall
    Jun 12, 2021
    It has been a month plus since…

    It has been a month plus since Aspiration suspended my account for nothing and hold my business loan funds in my account , this bank is so wicked , i just dont know what to call this because i need my money so badly .....

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  • author
    Eric Nunez
    Jun 11, 2021
    This company is so bad

    This company is so bad . Do not get this card - in review and have access to no money- they are randomly holding peoples money without telling them and and I tell them I am reporting them - to BBB and Federal Reserve Bank but they are all foreign speaking and do not care and do not understand you and and they do not put you onto management when asked and basically they are all stupid people who do not know what they are doing! BAD! BAD! BAD! Eric

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  • author
    SSS
    Jun 10, 2021
    There are better options out there

    I’ve used this bank for several years and have had repeated issues with poor customer service and fraud issues. They need to increase security and update their fraud protections. Currently they notify you by email that they have closed your accounts and frozen your cards. They assure you that all pending transactions will be honored and posted in the new account. They issue a virtual debit card. This has sadly happened to me three times during my time with them. Each time I have had to call repeatedly and escalate my issues to management. They are polite on the phone but refuse to resolve any concerns. I’ve had transactions bounce, have never received a new debit card without multiple phone calls, and also have to call to get them to correct direct deposits. They tell me that they will get routed to the new account, that doesn’t happen, and management happily tells me each time that it will certainly be fixed by tomorrow. Bank is otherwise fine. Basic services. Nothing to write home about. But truly lousy customer service, and no brick and mortar building to visit when something by goes wrong. I would encourage you to find a better keeper of your money.

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  • author
    Jake Snyder
    Jun 09, 2021
    But I don’t see any reason locking my…

    But I don’t see any reason locking my account my mom is sick and if my mom should die without seeing the surgeon I’ll kill all of you and trust me I’m killing the founder of aspiration if anything bad should happen to my family! I’m the breadwinner and I need this money for my family upbringing. Just try me and you gonna see my true color. Tell me the reason why my account is locked??? Please 😢😢 just tell me and if not I promise to see the bloggers and magazines and I’ll go on all radio stations and TV media. I’m gonna tell the world what aspiration did to me the bad experience and this is unfair I hate this. Just try me

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  • author
    Catherine Eberhardt
    Jun 10, 2021
    This bank is withholding my money after…

    This bank is withholding my money after changing all my bank account numbers and debit card (multiple times). I have been on hold for THREE DAYS. They are the WORST. No customer service. Will be reporting to BBB and more. Absolutely appalling business. DO NOT BANK WITH THEM. My stress levels are through the roof as I'm just a small one person business. I also love how it took me over 3 days to reach a person, and they still haven't resolved the problem, yet it took them all ove 10 minutes to respond to this review. Where are your priorities??!?! Worst banking business ever. DONE

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  • author
    Jeremy
    Jun 08, 2021
    Holding my check which is all money for…

    Holding my check which is all money for 11 days. No warning till after it was remote deposited. It will cost me hundreds in late fees and I’ll be eating ramen noodles.

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  • author
    Jake Snyder
    Jun 07, 2021
    My account got locked without a single…

    My account got locked without a single reason I think you guys are playing me,I called several times it got picked up and there is no genuine reason why they get it locked and I got my legit funds in there,y’all stop playing with me.

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  • author
    Ron BelBrunoNYC
    Jun 07, 2021
    Don't do it.

    Everything was great--until I actually had to make a serious transaction. (Cashing out my mutual fund.) First, the site would only let me cash out 65%. Then, it told me that my linked external account needed to be relinked--even though Aspiration was still drawing funds from it. Once the first transaction went through, I tried to cash out the rest, only to get a message that it couldn't be done online. I called, waiting on hold for 45 min, then caved to a callback offer that would keep my place in life. Ha. I got a voicemail 6 hrs later (really?) from a person who I literally could not understand, I had to play the message three times. This is a financial services firm? You've got to be kidding.

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  • author
    FGM XBandzzz
    Jun 07, 2021
    My account has been locked for over a…

    My account has been locked for over a week now , I’ve tried calling but the number they have posted to call won’t even ring it just hangs up. I sent an email multiple times over this past with , and I still haven’t got a response. I’ve only received the initial email stating my account was frozen for security reasons and the will continue to update me.

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  • author
    Christina Hutson
    Jun 06, 2021
    My account has been placed on review…

    My account has been placed on review for days now and I’ve called several times but no positive response. I’ve sent several emails, I didn’t get a response. I need my funds ASAP to sort my family issue and my rent. I hope they can see this and revert back. Thanks

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  • author
    Martha Crowder
    Jun 06, 2021
    I feel like I am writing a repeat of…

    I feel like I am writing a repeat of the same reviews, I to was hacked 2 weeks ago lost $ 2000 can get no answers if and when I will get my money this bank was supposed to be safe bull crap ! I wish I had never used aspiration!

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  • author
    Rick Hatfield
    Jun 04, 2021
    Beware of Aspiration as an online bank

    Beware of Aspiration as an online bank. It was already difficult to transfer money, usually taking several days to complete and the inability for them to accept cash as a deposit. The real problem is if you have a problem with your account. Say you get an email from aspiration stating that the primary email had been changed. Since your email is your login, you’ve lost access to your account. I tried emailing and calling customer service (multiple attempts), never received a reply email and the hold time on the phone is well over an hour. The one time I did get through, the representative couldn’t understand English. I spent an hour on the phone just giving basic information. My personal recommendation is to NEVER use Aspiration as an online bank. You’ve been warned.

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  • author
    Andres Harrison
    Jun 04, 2021
    The WORST - DO NOT BANK WITH ASPIRATION!!

    The WORST! I'm seeing from other reviews that I'm not the only one experiencing the same BS. My account was hacked and it's been 11 days with no resolution. This account is where my direct deposit is sent and now I'm screwed because of the lack of responsiveness or resolution here. I've been with Aspiration since the early days and the decline in decent customer service has been VERY apparent. The customer service was initially so great and I had high hopes for this "bank" but I'm officially done with them. I get no response despite repeated email follow ups, have waited on line for hours, and that call back option is BS. I've tried it a number of times and no one calls me back. I can't wait to resolve this so I can close my account and transfer my funds elsewhere. AVOID banking with this sorry excuse for a "bank."

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  • author
    Kathy Lochner
    Jun 28, 2021
    Unresponsive

    Everything has been great with Aspiration until my account was hacked 10 days ago. I’ve called numerous times. Did finally have someone call back after 8 hours saying my account would be frozen. They fixed my email and mailing address and said my account would be sent for review…..still waiting. I’ve continued to try and call and sent emails to no avail. I have a direct deposit hitting tomorrow that I need access to but I can’t get through to anyone. I love the customer service rep writing replies here to contact them via email as if they answer those The only saving grace is my investment account wasn’t touched. I will be closing all my accounts when this is resolved Update: aspiration seems to have gotten more people working the phones. Was able to finally get through with a wait time of only a few minutes. After getting passed to someone who could answer my questions with more authority I’m still in limbo with no timeline for when my account will be restored. I’m still very dissatisfied with the length of time it is taking to reverse the charges on my account. Update #2 3 weeks in without a resolution. The response below is the same response I get when I’m lucky to get through on the phone. I’ll continue to try and get my money returned but in the meantime I’ve reported it to the BBB Update #3 Yesterday I received an email stating the money had been returned to my account and the dispute closed. Great. Today I try to open my account so I can begin transferring funds and I’m still locked out of my account. Several phone calls in and email sent but I still can’t get through. Guess I have to wait another 3 weeks for a response? Update #4 Four weeks and I’m still waiting for access to my account. Apparently they’re “working on it “ Update #5 5 weeks no resolution and no answers. Tried to close my accounts over the phone but they wouldn’t let me. It had to be “reviewed”

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  • author
    Jerry
    Jun 03, 2021
    Terrible customer service

    Same as a lot people. New account and I can't pay bills and my direct deposit got cancelled for whatever reason. There's no excuse for how bad customer service is. I'm submitted emails and requested call backs for 3 days and no response. Chime responded to me immediately. Go with Chime.

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  • author
    Angelina Panozzo
    Jun 03, 2021
    Worst Customer Service and Service, Period!

    Literally have been waiting on the line for more than 2 hours a day until it times out and hangs up on me. Several times a day for the last week and a half. Waiting on a call right now for what I was told would be a 1 minute wait and is now 20 minutes. I called immediately when they "Opened." Account was hacked and money stolen but yet I am still not able to get into my account with NO help from Aspiration. Super poor customer service. No one has reached out to me via email or called back after I hit 8 for several call backs as they said they would do. This is a complete joke! Aspiration, you have to do better!!

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  • author
    Charles R
    Jun 17, 2021
    Original member finally leaving. This is a joke.

    I've been an Aspiration customer since the early days. They had their ups and downs, and their experiments with other things like "all free ATMs" and (what was) one of the best customer service experiences out there. Recently though, I've had my card number inexplicable stolen (despite actually NEVER using it once) three times. I've now been on hold for an hour and need to hang up as I have to get back to work. The automated message when I first dialed said "wait times of less than 20 minutes.") Aspiration, please don't reply telling me to email. You don't reply to emails, and when you do, it's more than 72 hours. I keep expecting you to be better because I BELIEVE IN YOUR CAUSE, but there's only so much abuse I can take. For all potential customers that are reading this, please know the "currently experiencing higher than normal call volumes" thing that they're replying with isn't true. Wait times of 5-6+ hours is totally normal. Aspiration spends all of their money on advertising and not hiring adequate staff. Back in March I had my card number stolen twice in one week, and wouldn't you know it, the wait times were exactly the same. They aren't improving, it's just the norm. Don't expect it to ever get better. *** UPDATE 6/17/21*** I still haven't received a replacement card. That's now three weeks that I'm having to do expensive cash advances on a high interest credit card just to occasionally get cash. The reply they made is a joke. There's still no customer service after all this time. The hold times are still multiple hours, as they were months ago. Even the CEO doesn't care.

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  • author
    Jennie
    May 29, 2021
    It’s nearly impossible to get hold of…

    It’s nearly impossible to get hold of customer service. I tried calling them today and they said they are closed. It’s past 8am PST and they are closed??!

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  • author
    michael kraxberger
    Jun 25, 2021
    You are just begging to be screwed.

    Why would you people give out so much money to an online entity that only covered $1000 in fraud protection yet has hundreds of reviews from people having their account hacked and froze?! If it’s too good to be true...IT IS!!! I’m sure I’ll get some generic prerecorded response from this company. Not sure how they are still in business. Building there company on lies, deception and fraud.

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  • author
    Michelle C
    May 29, 2021
    Aspiration hacked; could not get through to CS as hackers stole money

    My aspiration account was hacked on Saturday. As soon as I received notification that someone was trying to add an email to my account, I called aspiration. Then the hacker changed their email to be primary email, and they changed the password. In the meantime, I could not get through after 3+ hours on hold, tweets, Facebook messages. They hung up after their CS closed. $1500 gone and currently being investigated.

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  • author
    Katherine Woodall
    May 27, 2021
    I don't understand what is going on…

    I don't understand what is going on with Aspiration bank , i received my aspiration account , while waiting on my debit card, i try to transfer 500 dollars to my linked account on my Aspiration account which is Sutton bank...the 500 dollars i transfer went through , i transfer another 1000 dollars, it went through...but i cant keep transferring small amount , i need the PPP loan funds for my business and pay my workers...so i decided to transfer 5000 dollars , to my surprise, Aspiration denied the transfer and lied my linked bank did not accept the transfer and my account has been suspended ...for what and why will my account suspended in the period of pandemic that people need their funds .....i just hate the bank ...please reopen my account i need my funds for my business and it month end i need to pay my workers...

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  • author
    Sally Pinkstaff
    May 27, 2021
    NO NO NO. DANGEROUS!!!!

    I got this card in the mail with my name on it. I tried to call multiple times. No one ever answers the phone. I tried to put in my number and they said they didn’t have it. Then they asked for my Social Security number. And I said this is not good. Do not use this company. If you want service and your money do not go with this path.

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  • author
    Mel
    May 26, 2021
    I recently transferred ALL of my…

    I recently transferred ALL of my savings into this bank and I don’t know how or when i will see it in the bank so I decided to call and I’ve been on hold for THREE HOURS!!! I not doing more research on this scammy company.

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  • author
    Liliane
    May 26, 2021
    My recommendation - do not put your money in Aspiration

    I thought Aspiration was a great bank until they decided to lock me out of my account. Aspiration has locked me out of my account for 6 weeks now with no intention of unlocking it in the near future. I've asked to close my account and was told they cannot do that until the account is out of review. Aspiration please do better.

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  • author
    Jed
    May 25, 2021
    One of many people with fraud issues

    One of many people with fraud issues I got an email on Saturday that someone had changed the primary email address on my account. I can see that they are attempting to transfer money from my external bank accounts and set up direct deposits. I have not been able to reach anyone despite many many calls and emails. Reading the other reviews, I can see I'm not alone here. Aspiration, has there been a large scale breach of your system? I've been unable to report fraud or close the account. This is so unacceptable.

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  • author
    Chanel Renae
    May 25, 2021
    CAN'T ACCESS MY MONEY!!!

    My account was compromised and I am unable to access my money. I am on day two of trying to contact customer service with no luck. Horrible experience, bad security, bad customer service.

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  • author
    Crystal Acevedo
    May 24, 2021
    Locked for over a week!

    My account has been locked for 8 days. It’s impossible to reach someone. I have called over 10 times unsuccessfully and emailed multiple times. I have only received a robot answering telling me they cannot give me a timeframe on when my account will be unlocked. I have no money to pay bills and all of my auto payments have kicked back. I am beyond furious that it is still locked after over 1 week. Completely unrealistic to lock someone out of their own account for that long. The absolute worst customer service and I will 100% be closing my account once I am able to do so. I have been a customer for over 5 years and this has completely ruined my credit and means of living. I will never recommend this bank to anyone.

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  • author
    T. Brooks
    May 25, 2021
    I received an email saying my primary…

    I received an email saying my primary email has been changed. I have been locked from my account. My life's savings is in my aspirations account and I cannot even contact anyone through aspirations customer service line. I called the number during their normal business hours and the automated voice says "Our lines are currently busy. Please call back tomorrow." I am sure that by now whoever has locked me out of my account has all of my money wired to them now. I make minimum wage and now I can't pay any of my bills. It looks like others on this thread have had a similar experience to me and aspiration's response seems to show that they do not care what happens to my account. The very fact that I am only given the option to call back tomorrow or send an email shows me they don't care. I sent an email to their security email and I have not gotten a response. I am very scared for what is going to happen to me as a result of aspiration's negligence regarding fraud claims. Update after Aspiration's response to my review: I have already emailed both the support and security departments of Aspiration. I have called three separate times (twice on 5/23 and once on 5/25), sent three emails (one to each department on 5/23 and a second one to support), and left this review (on 5/23) and have only been contacted once with new information about my claim. I find it interesting that I have received a quicker response from Aspiration regarding my review than my other attempts to contact Aspiration about my claim. Not sure if my review was read thoroughly but I have already emailed security and support. I still have no way of paying my bills and it is the end of the month! How am I supposed to make car payments, pay rent, utilities, student loans, etc. if I can't get access to the money that was stolen from me? The one time I have been able to speak with someone on the phone about my claim, I was told that I would be able to regain access to my account (which only lasted for a few hours and I was locked out again) and I was told that someone from security would reach out to me shortly (it's been three days now and I have not heard from anyone). I told my partner about my situation because they have their inheritance + life savings in their aspiration account and they pulled it out immediately. I highly suggest no one back with aspiration. I initially chose to bank with them because they seemed more ethical than other banks, but they will be at fault for all of my late fees that will result in my inability to pay my bills and what is ethical about being responsible for a member of the working class losing all of their funds during a global pandemic? Whatever response Aspiration has left on my initial review was completely unhelpful, as I have already taken the steps they suggested and it just seems like they are simply trying to publicly save face while taking their time retrieving my money which is still gone due to their negligence and lack of security measures. Any other bank would have been able to resolve this by now.

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  • author
    Conner
    May 22, 2021
    No Help with Fraud

    I called during normal business hours and was on hold for nearly five hours. I gave up. I sent two emails to two separate accounts (support@aspiration & security@aspiration) - who knows which one is the correct one to contact?! No response. Someone randomly logged in (no notice from Aspiration's "two factor" security) and then they changed the main email on my account and logged me out. They wired $500 out. I am extremely frustrated and have yet to hear anything from Aspiration. I have been banking with them for five years and have never had to call customer service. This one experience is enough for me to leave. I hope to receive some news soon or else I am will file some kind of claim against them.

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  • author
    Fayenell Royston
    May 20, 2021
    I've had my account with aspiration for…

    I've had my account with aspiration for 6 months now. I tried to transfer money into a different bank where I pay my bills and my account has been locked ever since. I have called aspiration numerous times. I've been told to contact the support team through email. I have correspondent with them several times through email and have yet to head a reply of how to gain access to my account. There's a lot of money in my account and I have bills to pay. All I want is my account unlocked so that I can move my money out of their Bank. I have read numerous reviews on the same subject. Why is it taking so long to get an account unlocked. And I know you're automated response is to call back during normal business hours for that's a bunch of crock of s*** when I've done exactly what you've told me to do. And the wait time is all day long to get a call back from you.

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  • author
    William Dauphinais
    May 20, 2021
    Please don’t ever use aspiration again

    Please don’t ever use aspiration, please and please and please, they locked my account, with a lot of money in it , I couldn’t pay my child hospital bills , they said they gonna text me back through email and they never do , I really don’t know what to do , even though they wanna lock my account they should just lets me take my money out then , they can go with there account 💔💔💔

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  • author
    Nanette Sanchez
    May 20, 2021
    LIFE CUT SHORT

    Im still trying to understand why a bank will lock out its customer from accessing his or her hard earned money for months theres by leaving the customer to starve and sleep on the street all in the name of INVESTIGATION and the pathetic part is customer care tells you they cant do anything about it, isn't that madness and alter incompetence? I have no money to eat, no money to pay for rent, no money to by gas, I now sleep on the street, I'm now hopeless and cluelessthat's thanks to stupid ASPIRATION BANK please dont tell me to contact support cos I've done that severally but nothing happened. IM JUST GOING TO COMMIT SUICIDE WITH A NOTE ON HANGING AROUND MY NECK SAYING 'ASPIRATION BANK MADE MY LIFE A LIVING HELL' My account name is Erin Cowen and all I did was Moved my money from Aspiration to my Greendot account because I dont have an Aspiration debit card just yet

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  • author
    Robin Martin Sullivan
    May 18, 2021
    I get this email at 7am this morning…

    I get this email at 7am this morning saying my email has been changed. I did not do that and I call the # they give me on the email. Well they are not even open for me to call unitl 12pm my time. So there is 5 hours wasted not able to straighten this out. Sent email to the email they gave me no response as of now so 10 hours later no response. They are not so concerned over fraud I guess. Had to go to work so have been on the phone for 56 mins now. Who knows when I will get someone. Again they must not be too concerned over fraud, they would rather the person that has changed my info to get all the money in my account that they will have to refund me.****and to their reply to call them I have numerous times last 2 days on hold more than an hour press 8 to have them call me back and no call back so what do you have to say about that?????

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  • author
    Harry Richard
    May 15, 2021
    Aspiration rip off company

    I was with aspiration and went a small amount overdraft tried to pay but would not accept it , then i was shut down told i owe them 150$ for funds overdraft which was like 5$or so,. They close the card but today i still investment in red wood that i put around 300 into , and can only get like 10$ back from . Now it's was sent. To collections that i owe them and it holds back many option i try credit wise , why do i have to pay for my owe money 150bthey never gave me a cent , and still have the investment with them it's been around five to six years now i can't get s account with the bank and left them 300 of my own money you guy are sorry and no good for business because the investment is still with funds but try say i owe them , why and what if you still have 300 of my funds is t in collections , not very happy and this is a rip off thanks for nothing y'all should be closed down and neverto open again with this.practice.

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  • author
    Vanessa Brace
    May 14, 2021
    Worst customer service I have EVER…

    Worst customer service I have EVER experienced. Have been waiting for an agent for over two hours and counting, in order to initiate a wire transfer to close on a home purchase. We have sent multiple emails to customer support with no response. We have now surpassed the cut off time for wire transfers, which will delay the closing process for our home purchase.

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  • author
    Daniel S
    May 13, 2021
    Aspiration poor customer service and poor delivery of services.

    I am a veteran and healthcare worker and two of the main reasons I switched to Aspiration was the early direct deposit and the idea of planting trees. As of today I will be closing my account, I have been on hold with Aspiration for 1 hour and 45 minutes and counting, I have also left 3 emails with no responses, other than a bot confirming my email was received and I have still have not seen nor noted any monies posting to my account early. This is an unreliable bank in my opinion based on my current experiences thus far. I feel as though my money is being held hostage so that this bank can make interest off of it. If you are new or considering this bank, please reconsider going to a reputable bank with better customer service and a commitment to delivering on promised deliverables. I like the fact that Aspiration has a green ideaology, but they seem unequipped to handle any problems in a timely manner, if at all. After two hours of being on hold, they disconnected me, now I am on hold again. I have also sent another two emails, with no response (total of 5 now).

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  • author
    MM
    Jun 15, 2021
    Great goals but inexcusably poor customer support (un-)availability

    I've been with Aspiration for a couple of years now. It took nearly a whole year to sign up. I followed their sign up instructions but the process kept getting hung up somewhere and I couldn't get in touch with anyone to help me. But once I was finally "approved," I was happy to be part of a pro-environment financial service. I want to support the ecosystem we all depend on. However, when there's a problem, I can't get in touch with Aspiration. Like others have said, of course we first try calling them then emailing them. For weeks now, I've gotten a message that they're experiencing a high call volume. I leave my call-back number (an option they offer), but even waiting all I day, I never get a call-back. Finally, I send a DETAILED email. I never hear back from them. I'm getting frightened that I can't trust Aspiration. What good is a non-bank if when there's a problem with your money you can't get help? I already have two credit unions with local offices I can go to if there's a problem--so someone HAS to deal with me. These online services seem great until you need help. Then they hide behind shallow lines ("unusual call volume" or "We'll get back to you") that do nothing to resolve an emergency. Sadly, I've decided to slowly transfer my money at Aspiration back to my credit union so as NOT to trigger any "fraud" alert or other shenanigans on Aspiration's end, then close my account. I can partner with many other pro-environment companies while divesting myself as much as possible from fossil fuels. But I need reliable access to my money to stay alive. Aspiration's poor customer support availability is, though characteristic of the new tech-way of avoiding customer service, simply inexcusable. I don't feel safe with Aspiration so must go elsewhere.

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  • author
    Daniel Constantin
    May 16, 2021
    Please use Aspiration bank if you are a masochist!

    Please use Aspiration bank if you are a bored masochist with too much money & time on your hands! It is a great opportunity for you to learn patience with the most incompetent institution I've ever encountered! Especially if you like your complaints and banking problems ignored, while your account is frozen and your funds inaccessible FOR OVER A MONTH! HAVE FUN!!! PS I've attempted to resolve my unacceptable situation on over a dozen phone calls, and countless emails, wasting over 8 hours in the process. Now they're asking me to contact them again by email. LOL, the audacity!

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  • author
    Avalos Justin
    May 08, 2021
    Would you guys pls unlock my account?

    Would you guys pls unlock my account?? Why are you getting it locked ??

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  • author
    Djboyd
    May 07, 2021
    Worst decision I ever made.

    Worst decision I ever made. At first I was kind of excited but when I set everything up, I scheduled money to be transferred from my original bank account to aspiration at a later date in the amount $10 because it said I had to make a $10 minimum deposit. Aspiration tried to take the $10 immediately causing my original bank to charge me a $37 return fee. After reading some reviews, I decided to close it. I'm having to go through several emails, sign a document and send back and the account still hasn't closed. I also requested they refund me the $37 that my bank charged me because it was their fault they tried to take the money immediately when I scheduled for a later date. I have yet to be refunded. I reached out a couple times only to be told the account closure is still in process and they will email me when it has officially closed (whenever that may be) they have ignore my request both times to be refunded for their mistake.

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  • author
    Angel Messier
    May 06, 2021
    I don't even have an account.....

    I don't even know what this company is about, but they just fraudulently removed money out of one of my accounts with a different bank. I am absolutely sick over this!

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  • author
    Sean M.
    May 06, 2021
    Atrocious Customer Service

    Feels more like a branding exercise than an actual bank. The customer service is a joke, with them closing each email talking about how much of a difference they're making, meanwhile, within the four months I've banked with them: - They froze my card for over a week with zero notice prior, no ability to buy groceries, money, or gas... - I have a stimulus check they deemed unacceptable because it has a slight tear in it -- mind you, they require all checks be noted on the back as being a mobile deposit for Aspiration, so I now cannot take it anywhere else -- and I'm now stuck trying to get through to the IRS for the last two weeks - I needed to take out $2,000 cash and had to do so using 20 separate ATM transactions over two days I was completely ok with the idea of ditching physical branches to move away from larger, corrupt banking institutions. There will always be trade-offs. But Aspiration is not the solution. I cannot in good conscience recommend this bank to anyone.

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  • author
    Ashleigh Battles
    May 06, 2021
    Bait and Switched.

    I have never felt so deceived in my entire life. I have signed up for Aspiration in light of their $200 sign up bonus. When I finally read the fine print, they say I have to spend up to $1000 or deposit at least $1000 within 2 months and then I will get my bonus. I feel absolutely shocked by this revelation. I should have read the fine print im gonna close the account soon as I can. This is a nightmare waiting to happen.

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  • author
    Nicole Bell
    May 01, 2021
    DO NOT USE ASPIRATION

    DO NOT USE ASPIRATION, your money is not safe and they do not handle any issues, just ignore you

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  • author
    Barbara Rasmussen
    Apr 30, 2021
    Do not use Aspiration bank BEWARE

    Do not use Aspiration bank. It is a very horrible bank. I began my account almost a month ago and I have been locked out ever since beginning a account. I just got off the phone with customer service and they said they cannot help with my locked account and I will have to wait. Please any one opening an account with Aspiration, BEWARE!!!

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