BILL Spend & Expense (Divvy)

If I could give a "No-Star" I would. I have never dealt with representatives who could honestly care less about customer appreciation or retention. I had an account with them for over a year in incredible standing on a $5,000 credit line. Never running over or even near the limit, and because of one issue with a Chase Bank account not making the last payment (account was moved and the timing affected the payment) The "team" at Bill/formerly Divvy put a freeze on the account and informed me after running circles for weeks to reach an actual representative; their "decision" was to essentially NOT make a decision amd keep the account in a limbo so to speak where the funds were in total good standing but could not be used and as per their words: "we don't know nor can we tell you when that would be reversed, just wait." I was informed further that "An analysis of the account would be performed Everyday, again with no answer as to when it would conclude, until the account wasn't frozen anymore." To which I asked what are they reviewing everyday that would or could be different if the account is not able to be used? to which I was told "representatives don't know and so I cannot tell you, okay??" RUDE, unhelpful, TYPICAL company who treats customers with good standing as disposable when they advertise that they are for the little guys in business. It is unfortunate mostly because the organization of the spend and expense portion of the account is very helpful when making and tracking purchases BUT I am not gutted about it because it is nothing my Brex, Amp or even quickbooks cannot do and BETTER. Will be closing the account aftuer this review. STAY AWAY if you require a steadfast, helpful and caring, reliable customer service in your spend and expense partner in business!

It’s good and app is easy to use but it’s also annoying because it’s a prepaid card but if you don’t like notifications and something telling you that you need to complete a task that is labeled required and won’t go away until you seriously pick a category for that transaction and it’s every transaction then the app will annoy you like it does me. My work uses this a prepaid card for your bonuses to do with as you please yet it requires you to complete tasks to get that red notification to go away. Why not just let that be an option for those who just want to use their money or whatever and not worry about pointless notifications and tasks. It should be optional for those who may be required to log their every transaction.

Honestly, they’re not worth the stress! For one, customer service reps aren’t experts on how to effectively use the card for the credit building side of Divvy. You ask questions and they only have answers for basic questions. More in-depth questions you will have to wait 7-10 business days for assistance. And this is after waiting almost 20 mins for a service rep every time you call. The assigning budgets option honestly is very stupid to me. Once the funds have been added to the account, just allow immediate use! You’re not able to use your funds without “assigning” it to yourself or someone on your account. The messed up part is, if the “assigning” feature doesn’t work (which is what happened to me) you will not have access to your funds! As a small business that will put you in a bind if you were banking on using the funds to run your business. That is not ok! Oh and no one can assist you for 7-10 business days! That’s ridiculous! As a small business time is money! I have MY money just sitting on divvy that I can’t even use when I had access to it just days ago from my personal business account! Just horrible! They have so much fine tuning that needs to be done! There’s potential but right now, it’s just too much hassle to use your own funds! Again, idk how the regular credit side operates (those that don’t have to use their own funds for the card) but on the business building budget side, they have a long way to go when simplifying the process! I can’t wait to cancel this account once I can access my funds again! I honestly do not recommend them. And I’m not saying this out of anger either! I just want to prevent others from the headache I experienced and still experiencing with Divvy.