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by Sncvrf

Fantastic Sams decided to use branch services for its employees to receive their tips. In the beginning it was a game changer that made the receival of my tips convenient. Later I had an issue with a merchant charge. The merchant ran my branch card 4 times explaining that I had insufficient funds. Instead,I ended up using my bank debit card to complete the transaction. Later that evening I discovered that my branch card had been charged for each swipe made by the merchant. The charges remained deducted from my branch card . I waited several days before using my branch card hoping that the funds would be returned. I called customer service and was told that the merchant had not closed out the card charges for business that week and that my funds would be returned within two weeks. I waited two weeks and,unlike my personal banking application that keeps a reliable account of each and every transaction I make,the evidence disappeared. There was no proof or record of the transactions that took place on that evening, the transactions just disappeared.I continued to call customer service. My employer gave me a supposed direct number to someone that would assist me and I was directed to the same pointless waste of time. I never got my $30 back. Who is accountable? Fantastic Sams or Branch?

by Nicc300

I have had the same direct deposits with the same amount and it’s no longer detecting my deposits because I am unable to get the advance. I don’t recommend this service, customer service does not get back to you. I’ve messaged them twice. Once on my own and the second time was a reply to a old support message I had sent to so I can possibly pay the advance back earlier. They got back to mee almost a week after that message which defeated the purpose cause it was just paid in the regular date. I recommend everyone to us Dave! They also give you a bigger advance. Also I’m throwing this branch card in the dumpster cus it’s TRASH.

UPDATE: they now claim I spend all my money on payday which isn’t true because it moved to a credit and savings account. Flawed company and system. The system never detects bank account correctly. I do not recommend anyone use this app. You better off using Dave which gives you a bigger advance and less of a hassle on getting the advance. They also created that trash bank card to steal more money from people who already need extra money so they can profit more off you. It was simple just paying the fee and instant depositing the advance in your account but no, they want to gouge cash. That’s how bad the company is doing.... Very desperate

by Nkubon

I recently had $146 worth of fraud on my account from someone ordering from Chipotle Online with my card. I called the fraud number Branch gives, was told they’d cancel my card, which would take 7-10 days to receive, with having no expedited forms of shipping the card and no way to get my money in my account unless I move it to another account with another bank and wait 3-4 days to get it. Then because the charges were “pending” I was told there was nothing they could do until the transactions were “posted”, and to call back then. I called back and was told I won’t hear anything for 45 days, for them to investigate. Yes, 45 days to get my money back! Thank God it’s only $146, but that’s still a good bit of money to wait 45 days for!! I was given no reference or confirmation number or email that a dispute was filed, just told I’ll hear from the fraud department IF they find something. The representative on the phone was completely unconcerned, and could care less. So here I sit, out $146 for 45 days, all my money in my account trapped for 7-10 days til I get my new card. Unreal!

The only benefit to Branch is the money spotting if needed and the easy app to use.

I’ll be moving my money out of Branch immediately, and will not refer them.