Dave Operating, LLC

I needed to pay a ticket and I did an instant transfer of {$300.00} from my XXXX account to varo. It was sent but according to XXXX, XXXX declined the transfer ( saying i didnt have the money but I did ) and the transfer was returned to XXXX XXXX XXXX confirmed the return was completed on their end. I was told the money would be returned to my account within the day by XXXX. It wasnt. I called back after midnight and was told it could take up to XXXX hours. Still dont have my money and no one knows what is going on.

I received notification that the app lost connection with my financial institution ( XXXX XXXX ) I have followed the steps within the app to reconnect the same bank account multiple times without success ( see attached app images ) Today, i reached out via chat for support with trying to resolve this issue. The agent I chatted with did not provide any assistance with troubleshooting the matter. In fact, I don't think it was an actual person. ( see attached chat transcript ) Of note, I was seeking assistance with reconnecting the same bank account, and not changing to a new bank account like the agent presumed.

I have reached out 10 days in advance to have my financial information removed from their app and revoked authorization for any further debits to be withdrawn and they are refusing to comply.

Dave Checking Account ( Acct XXXX, XXXX XXXX XXXX XXXX XXXX XXXX processor ) denied all my disputes for unauthorized electronic fund transfers totaling {$1700.00}. Disputed transactions ( from attached XX/XX/XXXX & XX/XX/XXXX statements ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA : XX/XX/XXXX {$430.00} ; XX/XX/XXXX {$320.00} ; XX/XX/XXXX {$150.00} ; XX/XX/XXXX {$95.00} ; XX/XX/XXXX {$150.00} & {$40.00} ; XX/XX/XXXX {$13.00} ( and others ) XXXX XXXX : XX/XX/XXXX Sent Money {$250.00} + Balance Add {$10.00} ; XX/XX/XXXX Sent Money {$200.00} On XX/XX/XXXX I filed XXXX XXXX PD Report # XXXX after my ex-partner XXXX XXXX stole my wallet, debit cards, and mobile wallet and made these unauthorized transactions. I submitted the police report, sworn affidavits, full statements, and 110-page evidence packet to Dave Support on XX/XX/XXXX and again on XX/XX/XXXX ( Request XXXX ).…

I have attempted to revoke authorization to withdraw funds from Dave multiple times over multiple days. I initiated the revoking more than XXXX days before the money was supposed to be taken out of my account and they refused to acknowledge it. I have sent emails. I have called them on the phone. I have used their in-app chat feature. I have also contacted my bank and my bank told me I had to stop it with the company and then today the XXXX of XXXX they attempted to take {$96.00} and some change out of my bank account. I contacted them again and they keep telling me that I need to talk to a supervisor but a supervisor is never available and a supervisor never contacts me back.

I wrote this company over a year ago to stop and revoke the use of my ACH number for the company to not take out my bank account almost a year and a half later they went into my account and took out XXXX after I withdrew my ACH from this account

On XXXX XXXX a transfer was initiated from my XXXX checking account to my Dave debit card in the amount of XXXX. The instant transfer fee was XXXX. The money never made it to my Dave debit card. I refuted the transfer with XXXX beginning XX/XX/year>. The claim was denied stating the transfer was successful. I then contacted Dave support in regards to the same matter. XXXX they said there was no record of a transaction. Then on XX/XX/year> They stated they do not accept wire transactions and my transaction was rejected even though XXXX states it was successful and the rejected money was never returned to my initial account. XXXX claims that my transfer was not a wire transfer but a transfer using the XXXX system to transfer money from bank to bank. Both parties are denying responsibility leaving me out of XXXX with no resolution.

Good evening, This is a follow up to Consumer Financial Protection Bureau ID # XXXX which has been closed. The original problem was that I was unable to access my account and it was locked. Now, Dave has closed my account and has mailed out the remaining balance to an old address. There is no way to update my address to my new address. I am stuck in a loop because I am not able to speak with a human being who is the United States and speaks XXXX fluently. I don't know what else to do!

On XX/XX/year> after a nearly 5 year cycle of using their service and paying their fees to access their money as well as send via express method, I contacted XXXX via chat to inform them that I was revoking all ACH access. In turn, they replied that since the loan was a short term loan I was not subject to the EFTA and therefore could not revoke my ACH access. They asserted this 3 times before ending the chat. I attempted to initiate a chat again and the refused to speak to me. I have tried to amicably separate my bank accounts from XXXX, but have not been successful. XXXX is refusing to grant my ACH revocation.

I am filing a complaint regarding a missing refund of {$110.00}. On XX/XX/year>, XXXX issued a refund of {$110.00} to my debit card ending in XXXX ( Dave account ). This refund was completed and sent back to my account. However, I have not received these funds in my Dave account. I contacted XXXX, and they confirmed the refund was processed but were unable to provide a trace number or ARN. I then contacted Dave multiple times through chat support to confirm whether the refund was received or rejected. Dave representatives were unable or unwilling to confirm whether the funds were received, could not provide any transaction trace information, and repeatedly redirected me to wait for the dispute process. My chats were closed without resolving the issue. This is not a pending merchant issue. The refund has already been completed, and the funds are now missing. As the account holder, Dave is responsible for receiving and properly crediting incoming funds to my account.…

I have tried repeatedly via chats and emails to stop withdrawal on any and all future debit authorizations on my account so that I can pay by my own terms. They have steadfastly refused to do this. I wrote via chat 3 times XX/XX/XXXX and once via email XX/XX/XXXX. I keep getting a bot answer, and I need to resolve this before my next pay ( which is also incorrect on their end ).

My name is XXXX XXXX, and I'm writing to you today with a bit of a tricky situation regarding my account. I've been a banking with Dave for quite a few years now, and I'm really hoping we can get this sorted out. Recently, my account was put on hold, which means I currently can't access any of my funds. This happened because of a dispute I initially filed. However, here 's where it gets a little complicated : the merchant involved actually processed a refund directly back to my account. As soon as that happened, I promptly withdrew the dispute on my end. Despite the merchant issue being resolved and me withdrawing the dispute, my account is still locked. I've been trying to get to the bottom of this for a while now I've sent more than thirty emails and even followed up with a couple of faxes, but I haven't been able to get a clear or consistent response.…

Recently Ive been away from work for XXXX XXXX due to XXXX I needed so I havent been able to make money. My laptop was stolen for work and After XXXX months I finally get a refund from XXXX to help me, I check my account and it says {$3.00} now. It instantly got deposited into my XXXX payment instead of extracash waiting for my paycheck. I extremely needed it and did not initiate it. Extremely needed it for I have no food no gas or anything : (

On XX/XX/year>, I initiated a purchase for {$63.00} through a XXXX link for a merchant identified as XXXX. I have since identified this transaction as the definitive source of a data breach. I never received the products I paid for, and upon further investigation, I confirmed the merchant was a fraudulent scam entity. This breach led to my card data being cloned. Local law enforcement has informed me that because I frequently use XXXX XXXX, the physical card in my possession was likely duplicated via the data skimmed during that initial fraudulent XXXX transaction. Following this breach, XXXX unauthorized transactions were processed on my account : {$99.00} at a XXXX in XXXX, MA on XX/XX/year>, and another {$99.00} at a XXXX in XXXX, MA on XX/XX/year>. I reported these immediately, yet the bank has consistently denied my claim based on the " presence of an XXXX chip '' and the fact that the card was in my possession.…

I closed my account twice. Once in XXXX and another time today on XX/XX/XXXXXXXX via the app. I received an email that because my account has not been active, they are going to start charging me a fee. I don't understand how they can charge a fee on a closed account. The process to cancel the account, get confirmation of the closure, and speak with someone is purposely XXXX to create difficulties for the consumer. I would like Dave to apologize to me and confirm that my account has been closed successfully without me spending further time and energy on this matter. I called and spoke to a customer service agent at XXXX who promised to send me a follow-up email, but I have not yet received it. Thank you for any help you can provide.

On XX/XX/XXXX, I created a Dave account solely to explore a cash advance loan application. I provided my bank account information exclusively for the purpose of potentially borrowing funds. I never borrowed any money, never used any Dave service, and never explicitly agreed to enroll in any paid membership or authorized any recurring charge against my bank account. The only communication I received from Dave at account creation was a security login notification email dated XX/XX/XXXX. That email contained absolutely no disclosure of any membership enrollment, no mention of a {$3.00} monthly fee, no terms of service acknowledgment, and no notice of any recurring charge. No membership enrollment confirmation was ever sent to me.…

I am filing a complaint against Dave Inc. regarding an unfair and potentially deceptive withdrawal and fee related to their XXXX advance service. I received an XXXX advance of {$610.00}. My payday is XX/XX/year>, and I am paid on a consistent biweekly schedule that has never changed. Dave has access to my linked checking account and advertises that it uses this information to align repayment with a users pay schedule. However, on XX/XX/year>, Dave withdrew {$230.00} from my account before my paycheck was deposited, which caused my account to become overdrawn and resulted in bank overdraft fees. In addition, I was charged approximately {$15.00} in fees for this advance, even though the funds were effectively only available for a few days before repayment was initiated early. This results in a disproportionately high cost for a very short-term advance.…

I originally emailed Dave support on XX/XX/XXXX to revoke ACH permissions from my bank account. They refused several times over the next few days as I kept responding to their refusal with another request to revoke ACH. I emailed them again today, XX/XX/XXXX, and once again requested ACH revocation and that they remove my banking information from their app.

Between XX/XX/year> and XX/XX/year>, I made numerous purchases on XXXX, a sweepstakes gaming platform, totaling multiple transactions processed by Dave.com. I am disputing every transaction on three grounds : merchant misrepresentation, breach of advertised services, and unlicensed merchant operation in Arizona in violation of A.R.S. 13-3301, whose very own terms of service governing these transactions are void ab initio and entirely unenforceable. I filed disputes with Dave on XX/XX/year>. XXXX assigned approximately XXXX claim numbers and informed me the matter did not qualify for provisional credit. This determination violates 12 CFR 1005.11 ( c ) ( 2 ) ( i ), which requires provisional credit within 10 business days when an investigation extends beyond that period. That deadline passed. On XX/XX/year>, Dave issued a partial denial for one claim out of 77 and provisionally credited {$4.00} to my account.…

Dave Inc, which I reported previously, continues to take money out of my account for account fees for an account I no longer have. This account has been placed on my credit consolidation account who have also notified them as well that they are on it. When I called and questioned why, they asked for my address. I gave them the addresses that I had over the past 20 years but they still kept telling me it wasn't the right one. But they had my current address tho. My current address was not satisfactory to them and they wanted me to produce an address that I do not have. This is a ridiculous situation because I had recently disputed them in the past where they went into my bank account and took money out even AFTER they were notified by the credit consolidation company that I'm working with. I immediately disputed through my bank as well and my money was RETURNED.…

In XX/XX/year>2026, a total of {$550.00} was transferred from my Dave account to my XXXX XXXX account without my authorization. At the time of this transaction, I did not have access to my phone because it was lost or stolen. I reported this to my phone carrier and filed a police report. Once I became aware of the transaction, I immediately contacted XXXX XXXX to report fraud on my account. XXXX XXXX informed me that I needed to dispute the transaction through Dave. I then contacted Dave, and they issued a temporary credit of {$550.00} while they investigated. However, after Dave contacted XXXX XXXX, XXXX XXXX stated that the transfer was valid and authorized. Based on that response, Dave reversed the {$550.00} credit and removed the funds from my account again. I want to be clear that although the accounts involved belong to me, I did not authorize this {$550.00} transfer.…

The App Dave describes itself : " The best mobile financial app. Millions of people use Dave to get cash with no credit check, side hustles, and banking accounts with fewer fees. '' Their primary purpose is lending small amounts based on your banking information. My complaint ( s ) are around their deceptive fees and debiting practices. 1. First they have you link you bank account so they can decide what they can allow you to borrow, They give you an amount but then tell you you are only allowed to take half. As soon as you submit the request for half and agree to their {$5.00} fee, mysteriously you then can access the other half, for another {$5.00} fee. They don't even try to hide behind making you wait a day, it instantaneously after you agree to the first half. 2. Since you are required to link your accounts to get the approval, They seem to believe they have free access to your account.…

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.

On XX/XX/year> I authorized a payment that I thought was for my mortgage payment but I found out on XX/XX/year> that it was a scam. I called my bank and they stated that they could not stop the transaction. The transaction is still in a pending statue.

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.

On XX/XX/XXXX I received a direct deposit on my dave account from social security associated with account ending in XXXX. While I was on the app I got logged out forcibly. I tried logging back in and I received a message saying there was a hold put on my account. My water bill was due that on XXXX and was unable to pay it cuz of the hold so my water got turned off. Friday while my kids were in school I was contacted by local XXXX regarding the water being turned off. XXXX determined in the best interest of my kids they be XXXX. I've been trying to get in contact with Dave to let them know I need the hold be removed so I can pay my water bill and get my kids back. Ive sent numerous emails explaining to them my situation but dave has failed to remove the hold. All I'm trying to do is access my account pay my water get my kids back. Dave does not care about the situation the hold on my account put me in

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.…

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.

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 took out a payday loan from XXXX several times to pay off other payday loans from several other services and I wasn't able to pay all of them back after being stuck in that cycle for over a year. I then received an email from XXXX saying that my debt was forgiven so a few months later I went to try to apply for a new loan and it said that I stored money so I contacted customer support and they told me that I still needed to pay it was a mistake. I didn't escalated the complaint to their superiors numerous times and they all told me the same thing that I still owed the debt and that it was a mistake and it was sent to me by accident.