Need to file a complaint?
BBB is here to help. We'll guide you through the process.
Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
08/27/2021
- Complaint Type:
- Billing Issues
- Status:
- Answered
On **** 11th 2020 I opened an account with Grain Technology through the Apple App store and was approved for a $400 line of credit. I was super excited to get the opportunity to start building my credit again . On or around December 2020 I changed bank accounts and as such grain was not able to take my monthly payment. When i logged into the app on my iphone to update the bank account , it kept giving me an error so I contacted support . Eventually the issue was semi resolved . This is not the reason for my complaint today though. Now , fast forward 8 months later and I am having the same issue again. Except this time , they have reported a 30 day late for **** and a 60 day late for July. This is preventing me from finding a new apartment now and Grain Technology has no one I can call . When I try to go on the app to put a new payment method , it says that my bank is not supported. So i tried a seperate account but it said that my navy federal account is being used for another account.
Business response
09/10/2021
Hi *****,
Im sorry you can't find your bank as an option on the app. Unfortunately, our third-party bank connectivity partner, Plaid, does not support your bank, which is why it isn't listed. We see you we're able to make a payment via a payment link provided and you can reach out to us to get payment links in the future to make a payment on your account.
Initial Complaint
08/27/2021
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
I made an account with Grain 'Technology,' but I had to get a new bank account due to fraud. I was locked out of my account with no way of getting back in and received late payments on my credit report. Since 7/23/21 I tried emailing Grain, calling their customer service line, trying to reach them any way I can but they aren't responsive and their customer service line is SOMEHOW there are no support agents available and the phone hangs up immediately. I cannot have late payments on my credit.Business response
09/10/2021
Hi *******,
We unable to locate any other tickets related to this issue under your email associated with your Grain account except for very recently. We did however recent your bank account and provide you a payment link to make an immediate payment on your account.
Let us know if you have any additional questions.
Initial Complaint
08/22/2021
- Complaint Type:
- Billing Issues
- Status:
- Answered
Someone used my name and filed for a credit card with this company. I have never even heard of this company before at all. I tried to dispute the negative remarks on my credit, but they are combating it. I would like for this to be removed from my credit. All my credit cards are paid on time. I am a victim of fraud and this isnt right. I am trying to buy a house. This company is messing with my life.Business response
08/27/2021
We filed an AUD via e-***** to update the users credit reporting to delete this account as a fraud via identity theft. The account has been flagged and frozen, in the event of further attempts, no account will be opened. We advised the user their personal information may have been compromised and that it should updated accordingly.
Issue has been resolved no further communication is planned.Initial Complaint
08/21/2021
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I opened a loan with the company and paid off my loan. They are reporting missed payments to the credit bureaus. I am requesting that all late payment be removed.Business response
08/27/2021
as a one-time courtesy, we have granted your request for an update to credit reporting since your account is now current. This request can only be granted once and we are unable to waive any late fees incurred however your account is now reflected as current for the (5) billing cycles that we're previously reported as lateCustomer response
08/27/2021
Better Business Bureau:
I have reviewed the response made by the business in reference tocomplaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
***********************************Initial Complaint
08/10/2021
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Hello, I applied for a Grain account. I submitted all my documents, was approved for $1,000. Days later, it stated I was unapproved as they could not verify my identity although I submitted the required documents. They have all my personal information. I have received notice from the bureaus that my Grain account has been reported as open. I have not been able to access my Grain account nor have I been able to access funds. I have emailed them numerous times and tried calling their number but I have not been able to reach anyone nor does anyone reply to my emails.Business response
08/20/2021
Hi *********,
We understand your frustration and are working on resolving the issue as soon as we can, please stay tuned for updates via email from us.
Initial Complaint
08/07/2021
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I have contacted grain multiple times about there app continue to crash and will not allow payment . I have called and it say no agent available. They have now been reporting negative on my credit .. they have not responded to any calls or emails.Business response
08/13/2021
Hi,
Your linked checking account connection was reestablished and as an accommodation we have filed an update the users credit reporting to reflect as current during the period in which the *** functionality was not available, which you will see reflected the next time we report. In certain circumstances a linked checking account to the system may become severed, this can occur for a number of reason including a changed username, password, closing an account or the result of an update to their banking institutions system that maintains the connection. Please note, that you can make payments otherwise (via check or request of e-payment) a linked bank account facilitates payment via ***. You receive a monthly statement to your email address on file with their minimum payment due and specific instructions on how to pay by check.Initial Complaint
08/06/2021
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
Grain should be shut down! They are LIARS and remain unreachable no matter how much you contact them, no matter how much you email, post, call, tweet, use snail mail, they never answer. SO they make you jump through hoops trying to prove your own identity with real legal documents, and then take your bank account info and simply start charging you late feel and interest. You try to reach them and you cannot! Your account goes into the red and still no contact. Now they have affected your credit and still you are out of luck. The bank cannot help and they will not respond. Grain was supposed to help and instead I am worse off. I got totally screwed over. And I am not the first or last. Beware!Business response
08/13/2021
This customer does not exist in our system and does not have an open account with us. The claims are unfounded and baseless.Initial Complaint
08/06/2021
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
This company is a scam and commits criminal activity. It has requested sensitive and personal information from me and many others, which you can see from a simple websearch, then links your bank account to the grain app, claims they sent money when they did not and then charge you late fees and penalties when trying to reach them to dispute this. They use my info to commit identity fraud and theft and refuse to get in contact. They have my money and my personal information and have ruined my credit. They need to be reported immediately to any and all authorities.Business response
08/13/2021
This user does not have an account with us and have never reached out to us via email, the email address listed is not valid.
Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩
BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.
Customer Reviews are not used in the calculation of BBB Rating
Contact Information
Want a quote from this business?
Get a QuoteCustomer Complaints Summary
745 total complaints in the last 3 years.
179 complaints closed in the last 12 months.