GO2bank: Mobile banking

I’ve been a GO2bank customer for about one year now, and I’ve had a good experience with them from the beginning - the mobile app is exceptionally useful, organized, and easy to navigate through. I love the convenience of GO2bank and you can even open up a secured credit card with them which is an added bonus and nice for people building/rebuilding their credit, and there is plenty of deposit and withdrawal options, however, I do have to point out the cons about them - Customer care is a HUGE one in my eyes, very uneducated, and not useful when you need help, you’d be better off asking your question or concern in a Reddit group, or Facebook group for answers, and secondly when you replace your card such as lost or stolen you have to wait for the physical card to arrive for you to use your digital wallet which I dislike a lot because it can be a huge inconvenient. Other then that I love GO2bank and been with them for a long time and plan to continue being a customer as long as they treat right as a customer and keep me! I do wish they fix the issues I pointed out and other customers point out so they can improve drastically because they have the potential to be phenomenal.

So I go to the atm to take money out of my account to pay a bill but my limit was 500 per atm transaction per day but my bill was 600 so I call customer service and he tells me that I can go into the bank with a teller and withdraw more so the teller is like oh it got declined 3times so u will have to try back tomorrow so here I am back on the phone with customer service and I was like the other customer service representative that I was on the phone with told me to go in the bank to a teller to get more money out my account and it declined so I tell him after he over talks me for 3mins I said I just called and they told me to go in the bank he says oh I’m sorry but I can connect u with the fraud dept because the computer put it as a fraud check I’m like sure can u connect me to her because I’ve been at this for a hour now so I’m on the phone yet again and she tells me I’ll fix it it will be just a moment I said I only have 30mins b4 they close and I’m done I’ll have to pay a late fee oh it will only b a minute so 20mins later she comes back on the phone and says I fixed it but u have to wait 10-15 minutes so I wait 25 mins but by this time the bill payment Ctr is closed and guess what I still wasn’t able to get any more money that day so I got charged a bunch of fees for trying to take my money out and I got a late fee from the bill company and I was late for work to boot…

It started out really good banking with GO2Bank. So much so that I endeavored into a GO2Bank secured Credit Card. Then I noticed twelve unauthorized transactions and opened a dispute claim. I put in the leg work and submitted a dispute packet as directed that included all supporting documents like a police report, correspondence with other parties and banking institutions that were involved, and a detailed dispute letter. The packet was submitted via USPS mail as it was the only option; so one can imagine the lengthy timeline from opening the dispute claim to finally getting GO2Bank’s response and outcomes. Well, in the end it did not go in my favor and lost hundreds of dollars. The unfavorable dispute ordeal made me divide to change my direct deposit from GO2Bank to my other checking account. I later realized that the GO2Bank secured credit card payments could only be made from the checking account. So I aimed to utilize the Debit Card Transfer feature with GO2Bank but that isn’t going so well with transfers being rejected my funds have been held for 7 or more business days before being available. This makes making the monthly credit card payments challenging. I am still in limbo about closing my accounts with GO2Bank but hesitant for it may influence my already low credit score. I thought using GO2Bank banking services was going to help me to improve my credit score but so far it does not seem as such.