Dave Operating, LLC

I attempted on multiple occasions to inform XXXX that they got my pay date wrong by XXXX day - I got paid XX/XX/year>, XXXX insisted on attempting withdrawals on XX/XX/XXXX, which caused a domino affect of XXXX charges and a negative balance. They're customer service was completely AI, uncaring and inflexible.

Im in between jobs and literally broke and literally havent eaten in days. I got someone to cashapp me 50 bucks I needed it in my card so I transferred it to my XXXX card to use it for groceries. I went and it was declined and I had to put everything back and waste the last bit of gas I had. Because XXXX took out the money from my card to pay the advance without my consent or without me knowing. I had another bank account that I was using to pay their advances and was going to pay it as soon as I was paid. If I had the money already I wouldve paid it but I dont so they took my only grocery money and refuse to pay me back. The person I talked to twice on chat I believe their name was XXXX was extremely rude and unhelpful. I called asking for a supervisor they said they would take my info and call me back and never did.

reported an unauthorized charge on my account, and as a result, my debit card was canceled. Since that time, I have been unable to obtain a replacement digital or physical card. I have contacted customer support multiple times over the past XXXX weeks, and each time I am told that my case has been escalated and to wait XXXX business days. Despite complying with these instructions repeatedly, no resolution has been provided. At this point, I do not have access to a digital card, nor am I able to request or receive a physical card through the app. As a result, I am effectively locked out of accessing my own money. Additionally, the alternative withdrawal options provided are not reasonable or accessible : There is a {$2000.00} monthly withdrawal limit, which restricts my ability to access my full balance. I am unable to transfer funds to an external bank account due to an outstanding XXXX balance, which further prevents me from accessing my funds.…

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I am filing this complaint against Dave Inc. for failing to honor a legal revocation of ACH authorization. On [ XX/XX/26 ], I formally notified Dave Inc. via their in-app support chat that I was revoking authorization for an upcoming debit scheduled for [ XX/XX/26 ] in the amount of [ XXXX ]. Under Electronic Fund Transfer Act ( Regulation E ), 12 CFR 1005.10 ( c ) and NACHA Operating Rules 2.3.2, I have the right to stop payment by providing notice at least three business days before the scheduled transfer. Despite providing this notice, Dave Inc. representatives explicitly stated the payment was 'not eligible for revocation ' because it was a 'one-time authorization. 'This is a direct violation of federal law which does not allow companies to contract away a consumer 's right to stop a payment.

I sent them a message to revoke ach access because that is my legal right as a consumer and instead of them doing so they deny my request stating that the cash advance ( XXXX ) is a one time process every time. They continuously try to make loopholes to not follow through and will not delete my debit card from their database. I stated that this is a direct violation of my rights and they have also disregarded that so i am now reporting them because I dont know what my other options are. The date I asked for ach revoke was on XX/XX/year>. They denied me today as of XX/XX/XXXX.

Ive tried disputing a fraudulent transaction with XXXX multiple times now from a wire that was made at the end of last year for XXXX. And submitted police reports and other evidence supporting my claim, and theyve denied it more than 3 times without a valid reason behind it. This has been a nightmare going back and forth with. The customer service and the way Ive been treated is absolutely horrible.

I downloaded the app Dave, began the signal process then when it revealed it had fees ( after having me provide account and routing numbers for my bank, presumably to offer me an interest free loan ) I declined and uninstalled the app. They signed me up for their subscription anyway and began charging me a monthly fee. The company demands endless additional personal information before they will return my stolen money.

On XX/XX/XXXX i conatced the dave requesting to freeze and issue me an new virtual debit card i was told it would be done is 2 hours, Well on XX/XX/XXXX there was fraud on that card, I called and reported it, I was told it takes 3 to 5 days for an new virtual debit card that was not what i was told, If they issued the new card this never would have happned, I have been contacteding them and been told the same thing they are working on it which means nothing. XXXX XXXX

My dave bank card and my phone was stolen on XX/XX/year> and since then I have been receiving an unauthorized debit card transaction on my account from XXXX, XXXX and XXXX totaling {$1700.00} which I dont know about it and this is my school fees money. Please help me I need my money back in my account for my school fees

CFPB, I am submitting this complaint regarding XXXX and the way my account has been handled following several late payments. While I acknowledge that I have had late payments, the actions taken by XXXX feel excessive, punitive, and lacking transparency. My ability to obtain an advance has been significantly restricted, and it has become much harder for me to qualify. I have not been provided with a clear explanation of the criteria being used, how eligibility is determined, or what specific steps I must take to restore my previous standing. Additionally, I am deeply concerned that I may be experiencing discriminatory treatment. The way my account has been restricted feels targeted and unfair. I am requesting a formal review to ensure that XXXX policies are being applied consistently and without regard to race. Consumers are entitled to equal treatment under the law, and any form of disparate treatment raises serious concerns.…

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I did not complete app and account set-up, because I did not have an ID... Therefore I did not have a valid account and I never received a XXXX, nor did I receive any service from Dave LLC. Today, after more than a year since I began setting up an incomplete application process on Dave 's app ( due to NOT having an ID to make my account official ) from the XXXX Play store, I had {$200.00} USD drafted from my XXXX account.

I am submitting this complaint regarding repeated unauthorized debit card transactions by the merchant Dave , Inc., despite my prior revocation of authorization and a stop payment placed with my bank ( XXXX ). On XX/XX/XXXX, XXXX charged my debit card {$35.00} after I had already revoked authorization for them to debit my account in XX/XX/XXXX and after my bank ( XXXX ) had blocked the merchant. I disputed this charge with my bank, and that dispute is currently open. On XX/XX/XXXX, the same issue occurred again. I temporarily unlocked my debit card for approximately one second in order to complete an unrelated purchase at a different merchant. Immediately upon unlocking the card, Dave processed a {$15.00} debit, even though authorization had already been revoked and a stop payment was still in place and was confirmed again on XX/XX/XXXX.…

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I am writing to report Dave.com for a violation of the Electronic Fund Transfer Act ( EFTA ) and 12 CFR 1005.10 ( c ) regarding my right to revoke ACH authorization. On XX/XX/year>, I formally notified Dave via email to revoke my authorization for any future ACH and debit transfers from my XXXX account. Despite my clear legal request, Dave has intentionally delayed the process by creating " unreasonable barriers to revocation. '' As of today, XX/XX/year>, Dave support has sent five separate requests for redundant verification after my initial email. I have already provided : My full legal name and details. Confirmation of my date of birth. A picture of my government-issued ID. A selfie for identity verification. Even after providing these sensitive documents, Dave support continues to ask for additional information, effectively blocking my right to stop payments. This is a " dark pattern '' intended to keep access to my bank account.…

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I ask several times for them to revoke authorization to withdraw funds, and they keep telling me they won't. I have removed them from plaid and they still find a way to get the money. I was intending on stopping and late paying back because of financial difficulties, but these practices are making me think otherwise. I want them to close my account and remove authorization to pull funds from my bank.

Dave Inc was placed on my credit consolidation account. Their account was discontinued as they were placed on my account with XXXX XXXX XXXX XXXX XXXX XXXX. After XXXX had already contacted Dave Inc to let them know that the Dave Inc account was going to be resolved through credit consolidation, Dave Inc went in my account WITHOUT my permission and took ALL the money from my account. I reported them to the bank and the XXXX XXXX XXXX. They want me to send my XXXX over the Internet but has a history of confidential personal information leaks so I did not send it. I'm not paying them when the account is getting resolved through the credit consolidation company. They have been steady harassing me about my XXXX information and won't stop. I need them to stop because the bank and the consolidation are going to handle the situation.

I am filing this complaint because XXXX XXXX XXXX has wrongfully denied my dispute for unauthorized transactions totaling {$950.00} The company denied my claim based on 'frequent authenticated logins ' and 'alert notifications. ' I log into my account frequently as a security measure to monitor my funds. Frequent monitoring does not constitute authorization of a transaction. I reported the fraud as soon as I identified it. XXXX, XXXX is in violation of Regulation XXXX ( XXXX XXXX XXXX ) by : XXXX : Failing to provide the documentation and evidence ( XXXX XXXX XXXX ) they relied on for their denial, despite my request. XXXX : Refusing to provide provisional credit while the investigation was ongoing or when I requested a reevaluation with new information ( FTC Report ) I am requesting a full reevaluation of my claim and an immediate credit for the unauthorized funds

On or about XX/XX/year>, my phone was lost or stolen. During the period from XX/XX/year> onward, unauthorized transactions were made through XXXX XXXX using funds connected to my Dave Banking account. I did not authorize these transactions and did not have possession of my phone at the time they occurred. Once I became aware of the activity, I contacted both Dave Banking and XXXX XXXX immediately to report the unauthorized transactions and request a refund. I provided all requested information, including transaction details and an explanation that my phone had been lost or stolen. Despite reporting the issue promptly, the companies failed to properly investigate the unauthorized activity and did not issue a refund. I repeatedly requested documentation showing how the transactions were authorized and confirmation of when my money would be returned, but I did not receive a clear explanation or fair resolution.…

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Funds deducted from my account although Im currently in the middle of an active bankruptcy and Dave was informed and provided with my bankruptcy case number. I reached out a few different times to refund the funds they drafted from my account, was told that the matter was being escalated. I did receive one email for the bankruptcy information, but no further action was taken. When I followed up regarding the email, the representative stated that the matter was being escalated. Now account is suspended so I cant contact customer service.

I am working with XXXX XXXX XXXX, and make a monthly payments via ACH. This month, I needed to pay by debit card, and authorized them to run my virtual card through my Dave checking, the account I use to make the ACH payment each month. The payment got declined, so I called customer service to find out why. They told me to use my physical card and I tried. That transaction also declined. I chatted with a representative on the Dave app. They said the company was flagged as fraudulent. Dave said they could not approve the transaction, and no transaction would go through for XXXX XXXX XXXX, even though I have been making monthly payments to them through this account for almost one year. Due to this being a debt resolution law firm, it is causing me undue financial hardship and stress. The monthly payment is {$320.00}. This is the first time I have had an issue making this payment.

I ordered XXXX of XXXX for groceries. I moved saving to checking ( no pun intended ) and paid for my groceries. Hours later my account goes from XXXX to XXXX. And I cant even make it negative because I dont have the overdraft option. After showing proof of verified purchase from XXXX and saving XXXX proceeded that they seen nothing. Will be changing my bank immediately

On XX/XX/XXXX I saw XXXX unauthorized transactions totaling around {$26.00}. I cancelled my card. The very next day I asked for a new digital card to remove my paycheck. Well by the time I got off of work XXXX of the transactions were now approved for {$150.00} and {$150.00}. They were to XXXX food restaurants in states over XXXX miles away. The Dave support team keeps denying my disputes stating they were authorized. There is not a way to talk to a live person about this. They just keep sending me a denial letter. Then today I also get an email stating the account is over drawn. I havent used it other than to take a paycheck off of it.

I received a cash advance from Dave in the amount of XXXX XXXX with a required repayment period of five days. At the time of the advance, I was charged a total of XXXX XXXX in costs. This included a fee associated with the advance itself and a monthly membership fee that is charged regardless of whether a loan is taken. Given the very short repayment period, the total cost to borrow XXXX XXXX for five days was XXXX XXXX, which is a significant portion of the amount borrowed. After reviewing these charges, I contacted Dave to raise concerns about the fees and the repayment terms. After I raised these concerns, my account was deleted. When I attempted to access the app again, I was prompted to enroll as if I had never had an account. Because my account was deleted, I no longer have access to my loan records, fee breakdown, or repayment information.…

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There is a new pending transaction dated for XX/XX/year> ; this money has already been withdrawn from my account on XX/XX/year>, but since its now showing up as pending again, its not funds that I can not access. The bank says it has already settled but I can still see it as a pending transaction on my account. I have taken screenshots and shown them, and they just keep telling me that its not there as pending.

On XX/XX/XXXX I received a Dave XXXX advance totaling {$300.00}, with fees bringing the settlement amount to {$300.00}. I authorized Dave to debit a single payment of {$300.00} on XX/XX/XXXX. That debit failed due to insufficient funds. After that, Dave made XXXX unauthorized withdrawals without my consent : {$5.00} on XX/XX/XXXX, {$5.00} on XX/XX/XXXX, {$5.00} on XXXX, and {$2.00} on XX/XX/XXXX. These withdrawals were made using both XXXX and XXXX debit. I did not authorize multiple or variable withdrawals, and I did not authorize any payments after XX/XX/XXXX. On XX/XX/XXXX, I contacted Dave via in-app chat to revoke authorization and stop further debits. Dave acknowledged my request but stated they cant complete this request and later stated theres no stop. Dave also refused to refund or credit the {$17.00} already taken, and my balance still shows the full {$300.00}.…

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XXXX XXXX is also a bank but they offer a cash advance option. it is linked to primary checking account with another bank. they can see how much money i have and continue to send ACH payment request for more than what is my account. I have told them to stop in writing and get told we can not control are system it automatically does it and we have no way to stop it. I have sent my bank a stop payment for them but this needs to be corrected and XXXX to needs to be held accountable for federal laws and banking laws

Between XX/XX/XXXX and XX/XX/XXXX, a debit card account was used for unauthorized XXXX cryptocurrency transactions totaling {$530.00}. The transactions were disputed promptly after discovery. On XX/XX/XXXX, the company denied the dispute, stating that account login activity and the presence of a virtual card on a mobile device indicated authorization. No merchant authorization documentation was provided. The company did not supply transaction authentication records, IP address data, device fingerprinting, or other evidence demonstrating customer approval of the charges. A request for reconsideration and supporting documentation was made, but the company maintained its denial without providing the requested information.

I revoked authorization for electronic fund transfers from Dave in writing, citing the Electronic Fund Transfer Act and Regulation E ( 12 CFR 1005.10 ( c ) ). Daves representative repeatedly statedincorrectlythat revocation of authorization does not apply to a single scheduled electronic debit and refused to honor the revocation, relying on internal policy and contract language rather than federal law. Regulation E allows a consumer to revoke authorization for any electronic fund transfer scheduled for the future, including a one-time debit, at any time prior to the transfer occurring. Contract terms do not override federal law. Despite clear written notice, the representative refused to confirm removal of payment authorization and ended the chat without resolving the issue. I am not disputing the existence of the debt.…

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So I had a suspicion that my bank account was slowly draining. I asked my bank provider ( Dave, XXXX XXXX XXXX XXXX ) to investigate it. They said they only saw my XXXX subscription ( {$10.00} ) and my auto loan ( {$300.00} ) I pay those every month. Anywho, I knew something was off, they insisted that there was absolutely no suspicious activity on my account. Granted I was actively checking too, I couldnt see any. Then I get my 6 month statement, I have 24 total transactions starting on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX from a company called XXXX. The transactions were almost daily, ranging from {$20.00} to {$100.00}! And the ONLY solution they provided me was a new card. I had over {$860.00} stolen from me, all charges from Florida, I live in NC and never even been to Florida.

I tried to apply for daves loan app on XX/XX/XXXX. As I was completing the process of signing up, the app abruptly closed me out and gave me a screen saying my account is on hold for security purposes and that someone would reach out by email. I have yet to recieve an email but yesterday on XX/XX/XXXX I noticed I was charged XXXX dollars for the app yet I haven't been able to access the account still due to security purposes. I have tried calling but they have no help line you must have a card number to even get to talk to someone, but I have no daves card number to give them. I have sent an email to a help center but they have done nothing but ask me for pictures to verify that im who I say I am.…

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Company : Dave, Inc. Product : Payday loan / cash advance ( ExtraCash ) Issue : Unauthorized withdrawal / account access Amount : {$610.00} State : Georgia Complaint Narrative Dave , Inc. initiated an unauthorized ACH withdrawal of {$610.00} from my bank account after changing my banking information in their app without my knowledge or consent. The bank account that was debited was never authorized by me for ExtraCash repayment. I did not add, update, or approve this account in the Dave app, nor did I provide written, electronic, or verbal authorization for Dave to modify my banking information or withdraw funds from this account. Despite the lack of authorization, Dave altered my banking information and withdrew funds. This constitutes an unauthorized electronic fund transfer under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. I contacted Dave to dispute the transaction and requested an immediate reversal.…

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