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So I’m a big fan of online fintech style banks and their mobile apps and wanted to try this account out and use it as a side bank…. BIG MISTAKE !!! I downloaded the app and applied for account. Afterwards, their mobile app makes you put in your phone number and/or email address EVERY TIME you sign in to the app !!! This means their mobile app does NOT sync with your phone or know who you are !!! This is a HUGE security risk and the first red flag !! Once you’re in the mobile app, if you try clicking on “security notifications” to choose how you’d like your security set up, it doesn’t do anything ? It does nothing !! It’s like it’s disabled ?? 2nd red flag !! It gets worse from there….. I called their toll free number to close down my account since there’s NO WAY I’m going to trust this company or banking app with my info, let alone my money, and SURPRISE !! I get a call center in a foreign country….. Philippines !! Umm…. how about NO !! And the lady I spoke with, didn’t even have the ability to close down my account ?!?! Seriously ?? Is this a joke ?? She told me she would have to submit a request to their “back office” to close my account and that basically I MIGHT get an email confirming closure, whenever they get around to it ?? DO NOT TRUST YOUR INFO, MONEY, OR PAYCHECK TO THIS COMPANY !!! You’ve been warned !!

This is a banking platform supposedly created by HR Block, it is really Netspend. Netspend is so crooked they hide behind well reputable names such as HR Block and PayPal and others. This tax season it was my only option I had to choose from to receive my tax refund through HR Block online free file. Spruce targets low income people to provide”help” with their financial spending habits. I believe the true reason is to illegally take money from people who can not afford to do anything about it. I have had at least $2645 just go missing and I’ve tried making disputes and asking about my money to be hung up on and have transactions that have cleared be duplicated and kept pending for over a month to account for some of the missing funds. They answer the phone HR Block and HR Block in office tax preparers aren’t even offering this Spruce to their customers yet.

I have always had the emerald card this year I decided to go with spruce due to they claim you get your taxes 5 days sooner. Well not true in fact my return was deposited per I.R.S. Website March 2, 2022 and I have yet to see it on my card and it’s now the night of March 10th still nothing and no one knows anything and I called 5 days later from when it’s said it was deposited and asked a person with the irs and they confirmed it was sent to them. But no one at spruce can find it. They keep transferring me back and forth with spruce and h n r block I feel like I am in a game of ping-pong and I’m the freaking ball. I don’t know why spruce can’t find my money. This place is a joke and I would never recommend it to anyone. I am very disappointed and I my only step next it to call the BBB. Cause as far as I am concerned they stole my tax return from me.