Contact Qapital Support

I downloaded Qapital as an attempt to save money and it’s been causing the complete opposite for my finances. Qapital caused my check to bounce because they took out funds with no prior notification, or “pending” status, which would have allowed me to deposit money into my account to avoid the negative balance. I was expecting money to be transferred per purchase or transaction into Qapital, but instead it just took out a lump sum of money 5 days later. When I contacted my bank I was told that because Qapital gains your bank information by account and routing number they don’t need to provide verification and can remove however much they want without your approval. When attempting to return the money in my checking account, the Qapital app stated that it will take up to 4 DAYS for me to be able to reach these funds again, and it’s basically being held in limbo within their app. When reaching out to Qapital customer service you receive a message from an automatic chat system that doesn’t understand most commands or responses and you are told that you will be contacted by a real person within the next day. I’m currently waiting for these funds to clear in Qapital so I can delete my account. I am unable to remove my bank information until their system releases my money. I’ve had the worst experience through this app.

I’m very bummed. I’ve used this app for years and I realized I started getting charged for a membership. I reached out to customer support to understand what happened. In short, they told me they had sent out an email months ago that everyone was going to be upgraded automatically (to the highest cost membership) and I had two choices. I could just change my membership and lose the money I didn’t know I was paying for the past few months, or if I wanted a refund I would need to delete/close my account. I also went back to view the messages sent to me earlier in the day when I got home from work and they’re wiped. There’s no way to even view them. I was sad to leave the app I’ve been using for years and have recommended to many friends/family, but the messages made me feel like it didn’t matter. What made it worse was the reason I didn’t see the monthly charges in my bank account was because my bank started making you re-link your account periodically. Qapital just started taking the membership fee out of my goal’s savings so I didn’t see it in my usual bank statements. I appreciate how the app helped me over the years, but if I’m going to get an ultimatum from someone I turned to for help, I think it’s best to find something different. I guess don’t get too comfortable even if you’ve been using something like this for a long time.

I used this app for about a year. And it did serve it’s purpose for me and well! I hate to be the kind of person to leave a negative review but at this point I feel like I’m out of options. There is no phone number to contact them so you have to contact them through email only. I closed my regular bank account and opened with a credit union so I needed to change my funding account. So I filled everything out that I needed to fill out but no matter what I did I could not connect my bank on the app. Response time was extremely slow and honestly not helpful at all. I basically was just told to “try again” multiple times. Well it never worked so seeing as I can’t transfer money over to them I asked to close my account. It took a week for them to respond and no questions as to why or if I was unhappy with the app. The woman I spoke to didn’t even take the time to check my account to see what type of account I had that I wanted to close. When I confirmed I wanted to close my spending account she replied immediately that she closed it and sent the money to my bank. But since my bank never connected I don’t know what bank she actually means? The response time is just so slow and so frustrating. When you’re dealing with peoples money customer service is a big deal. But like I said this app is great for saving money and what it’s meant for. But if you have an issue that you need resolved good luck.