Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:01/28/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On January 26th 2023 ****** was stolen from my bank account because varo didn't fulfill their jobs and broke the law by not keeping my money and account secure and safe like they are supposed to I'm not very happy with varo im not waiting up to 3 months to get my money back that is c*** because ssi it's federal money and I hold varo liable for not keeping my account safe as well as my money I want it back before the end of this coming week or im going to close my account with them I'm tired of it I've only been with varo for two months and They broke the law by committing breach of contract and failure of keeping my account and ********************** safe I want my money back or im going to take them to court and pursue legal actions to get satisfaction for them breaking the law in requesting a refund immediately in the amount of ****** which is over half of my income that was stolen from me im requesting immediate actions with this or I will commence legal actions against varo bank quicker than they will be able to respond to this I provided supporting documentation of this. This is c***

  

  Business Response

  Date: 02/02/2024

  Hello,
  
  Thanks for reaching out to Varo through the Better Business Bureau. Weve received your complaint and have worked to thoroughly investigate your concern.
  
  In order to protect your online privacy and account details, weve responded to your concern directly at the registered email account we have on file for you.
  
  Please check your email for this detailed Varo communication. Should you have additional concerns or questions, you can reach us by responding to the email. For questions related to something outside of your complaint, you may submit the following web form to ensure that you are routed to the appropriate servicing channel www.varomoney.com/support.

• Initial Complaint

  Date:01/28/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  January 26, ****. Suspended account no reason given. No customer service. Have my ********************** held hostage as ************ and we have no food or gas.

  

  Business Response

  Date: 02/06/2024

  Hello,
  Thanks for reaching out to Varo through the Better Business Bureau. Weve received your complaint and have worked to thoroughly investigate your concern.
  In order to protect your online privacy and account details, weve responded to your concern directly at the registered email account we have on file for you.
  Please check your email for this detailed Varo communication. Should you have additional concerns or questions, we can be reached at ***********************************

  Customer Answer

  Date: 02/07/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. They have resolved this issue in a timely fashion 
  
  *****************************************************

• Initial Complaint

  Date:01/27/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was charged two times at a ATM and never received the money. I filled a dispute and had video and Proof. The dispute was ruled in my favor. After 4days I called customer service asking way I haven't received my money yet and was told to contact customer service through the chat bout to get help. So I tried and still not able to get help on why I haven't received my money. Addiction to varo not giving me my money -$64.00 I noticed I was charged -$67.00 by varo. I can't get any answers. Why is varo bank stealing my money and can't explain it to me!

  

  Business Response

  Date: 02/05/2024

  Hello,
  
  Thanks for reaching out to Varo through the Better Business Bureau. Weve received your complaint and have worked to thoroughly investigate your concern.
  
  In order to protect your online privacy and account details, weve responded to your concern directly at the registered email account we have on file for you.
  
  Please check your email for this detailed Varo communication. Should you have additional concerns or questions, you can reach us by responding to the email. For questions related to something outside of your complaint, you may submit the following web form to ensure that you are routed to the appropriate servicing channel www.varomoney.com/support.
  
  

  Customer Answer

  Date: 02/06/2024

   
  Complaint: 21209837
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***********************

   

  There's no purchase I made for $67.50. That is not correct. It's very suspicious

  

  Business Response

  Date: 02/08/2024

  Hello,
  
  Thanks for reaching out to Varo through the Better Business Bureau. Weve received your complaint rejection and have worked to thoroughly investigate your concern.
  
  In order to protect your online privacy and account details, weve responded to your concern directly at the registered email account we have on file for you.
  
  Please check your email for this detailed Varo communication. Should you have additional concerns or questions, you can reach us by responding to the email. For questions related to something outside of your complaint, you may submit the following web form to ensure that you are routed to the appropriate servicing channel www.varomoney.com/support.
  
  

• Initial Complaint

  Date:01/27/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I transferred money from my ***** Fargo account to open my Varo account.They made it very easy to add money; but withdrawing it is impossible. My ***** Fargo account was "synched" to open the account, but requires a SECOND "synch" for a withdrawal, and that hasn't worked ever. For a month I have asked for help, to no avail. All I get are lies, directions that don't apply or don't work, or silence. I can't call any of the numbers and get support. I want to withdraw EVERY CENT from my Varo Checking and Savings account and close them.

  

  Business Response

  Date: 01/30/2024

  Hello *****,

  Thanks for reaching out to Varo through the Better Business Bureau. Weve received your complaint and have worked to thoroughly investigate your concern.

  In order to protect your online privacy and account details, weve responded to your concern directly at the email account you have provided to the Better Business Bureau for you.

  Please check your email for this detailed Varo communication. Should you have additional concerns or questions, we can be reached by responding to the email communication or by submitting the following form to ensure that you are routed to the appropriate servicing channel www.varomoney.com/support.

  Customer Answer

  Date: 01/30/2024

   
  Complaint: 21209385
  
  I am rejecting this response because: VARO is lying. I have attached a screen copy showing that my ***** Fargo account is linked for transfers TO Varo; but they require a separate link for transfers OUT, which is improper. I also attached the error message, claiming that it can take "up to five minutes". This is also a lie. It has shown that same status since December.

  As for the use of "third party" transfer methods, they deliberately neglect to provide the truth. To use PayPal and other services, Varo requires I set up Direct Deposit. Some of the services also charge a fee, and I consider it fraudulent to charge me a fee to get my own money back.

  Varo lies. They can send me EVERY CENT in both Savings and Checking via Electronic Funds Transfer with NO FEE, or they can deal with the ************* DA and the ***** I am done wasting my time. They owe me over $720.00 for the hours I have spent, and I will collect that if needed in court.
  
  Sincerely,
  
  ***************************

  

  Business Response

  Date: 02/05/2024

  Hello *****,

  Thanks for reaching out to Varo through the Better Business Bureau. Weve received your complaint and have worked to thoroughly investigate your concern.

  In order to protect your online privacy and account details, weve responded to your concern directly at the email account you have provided to the Better Business Bureau for you.

  Please check your email for this detailed Varo communication. Should you have additional concerns or questions, we can be reached by responding to the email communication or by submitting the following form to ensure that you are routed to the appropriate servicing channel www.varomoney.com/support.
  

  
  

  Customer Answer

  Date: 02/06/2024

   
  Complaint: 21209385
  
  I am rejecting this response because: Varo bank continues to lie. In their email response... done so there is no record in BBB files... they claim:

  1) That Well Fargo did not link properly. That is a lie. ALL *********** to the **** account were made USING THE **** LINK TO ***** FARGO. Requiring a *********** is part of how they defraud users.

  2) The claim that I can use alternate transfer methods without Direct Deposit is a lie. ZELLE can NOT be used without a Direct Deposit. Their own page proves that is a lie.

  3) The transaction they claim I made has been PENDING since 26 January ****. The recipient is unable to accept it because the link does not work.

  I gave **** every chance to rectify this.

  They refused.

  I will be contacting the ************* District Attorney today. 6 February ****, and filing a formal complaint, as well as the ***** and making note on social media platforms regarding the misconduct by ****, with a warning they are not to be trusted.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:01/27/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I opened an account with **** had direct deposits. My phone what's the one for my locker or and I had to get a new phone and get my phone number transferred over and then log into my account having access from my Gmail to enter a code to access my borrow Bank. Thinking I wouldn't have any issues and I realized all my money had been transferred out of my account. Probably reported this to Varo. They denied my dispute then I try to recover my phone. Stated that there was no sign of account takeover. However I explained to them that my phone was the one for my locker at work. I didn't have the fingerprint login setup, my honest account set up for our login with my email and password and it was Auto saved so you could just get on the account and hit enter because the password was already in there. That is not Varo keeping my money secure. I am out $1,000 and they've denied the dispute.

  

  Business Response

  Date: 02/02/2024

  Hello Gerrett,
  Thanks for reaching out to Varo through the Better Business Bureau. Weve received your complaint and have worked to thoroughly investigate your concern.
  In order to protect your online privacy and account details, weve responded to your concern directly at the registered email account we have on file for you.
  Please check your email for this detailed Varo communication. Should you have additional concerns or questions, you can reach us by responding to the email. For questions related to something outside of your complaint, you may submit the following web form to ensure that you are routed to the appropriate servicing channel www.varomoney.com/support.
  
  

  Customer Answer

  Date: 02/04/2024

   
  Complaint: 21208613
  
  I am rejecting this response because:

   

  They said they denied my dispute because there was no account take over detected but my point is there wouldn't be signs because the account was not hacked my phone was stolen andy ******** was auto filled. 
  
  Sincerely,
  
  *****************************

  

  Business Response

  Date: 02/09/2024

  Hello Gerrett,
  Thanks for reaching out to Varo through the Better Business Bureau. Weve received your complaint and have worked to thoroughly investigate your concern.
  In order to protect your online privacy and account details, weve responded to your concern directly at the registered email account we have on file for you.
  Please check your email for this detailed Varo communication. Should you have additional concerns or questions, you can reach us by responding to the email. For questions related to something outside of your complaint, you may submit the following web form to ensure that you are routed to the appropriate servicing channel www.varomoney.com/support.
  
  

• Initial Complaint

  Date:01/27/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My issue 1/25/2024@7:45 pm. Varo bank temporarily suspended my account I have no idea why and can't get no answer or contact anyone that is alive only chat bots. I have $275 and some change this is all the funds I have I'm broke starving and facing criminal charges because I can't access my funds to take care of obligations. Acct number is ******* I have no idea or contact from varo

  

  Business Response

  Date: 02/02/2024

  Hello,
  Thanks for reaching out to Varo through the Better Business Bureau. Weve received your complaint and have worked to thoroughly investigate your concern.
  In order to protect your online privacy and account details, weve responded to your concern directly at the registered email account we have on file for you.
  Please check your email for this detailed Varo communication. Should you have additional concerns or questions, you can reach us by responding to the email. For questions related to something outside of your complaint, you may submit the following web form to ensure that you are routed to the appropriate servicing channel www.varomoney.com/support.
  
  

• Initial Complaint

  Date:01/27/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Varo bank

  

  Business Response

  Date: 01/31/2024

  Hello,
  Thanks for reaching out to Varo through the Better Business Bureau. Weve received your complaint and have worked to thoroughly investigate your concern.
  In order to protect your online privacy and account details, weve responded to your concern directly at the registered email account we have on file for you.
  Please check your email for this detailed Varo communication. Should you have additional concerns or questions, you can reach us by responding to the email. For questions related to something outside of your complaint, you may submit the following web form to ensure that you are routed to the appropriate servicing channel www.varomoney.com/support.
  

• Initial Complaint

  Date:01/26/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had a dispute that started November 28, 2023 and it is now January 26, ****. A little background.. This dispute was due to a non responsive company and me not receiving my items. I had submitted documentation proving my case. During the dispute I did ask **** to cancel it because the company began to be responsive but that only lasted all of two days(I also sent this documentation over). After I asked for them to close the dispute initially I was told they were not able to close it until they finish their investigation(by the time I received this feedback the company had been unresponsive again so I was fine with continuing the dispute) however the results did not go in my favor. Due to this I asked for documentation used for the dispute. Instead of the company giving me the documentation I asked that they used to conduct their dispute they simply told me they didnt rule in my favor because I asked for the dispute to be closed contradicting information and inconsistent communication. Mind you, this is over a weeks time it takes to get any response from ***** dispute team! Now it has been officially past the 90 days because yes I opened a dispute again on the same charge after they did not go in my favor. I figure if its no interruptions this time about closing the dispute or keeping it open they can do their investigation more smoothly. I was to receive results days ago, still no update. Still no refund, provisional credit, NOTHING! **************** cant help. And again this is past the 90 days and even the date listed for when Ill receive a final result! This company needs to be looked at! They are very slack in their work and they do it at our expense! Whats the point of them even being a bank? To hold money and the fact that they have the Zelle feature? everything I am doing on Varo I can almost do on cash app with better results and better customer care!

  

  Business Response

  Date: 02/02/2024

  Hello,
  Thanks for reaching out to Varo through the Better Business Bureau. Weve received your complaint and have worked to thoroughly investigate your concern.
  In order to protect your online privacy and account details, weve responded to your concern directly at the registered email account we have on file for you.
  Please check your email for this detailed Varo communication. Should you have additional concerns or questions, we can be reached at ***********************************

  Customer Answer

  Date: 02/03/2024

   
  Complaint: 21203043
  
  I am rejecting this response because:

  I have still not been contacted by ****! They are claiming they emailed me but I have not been emailed from them Regarding this issue! I have attached all emailed Ive received from Varo. From the time I submitted this complaint to today I still have no email from them concerning this issue.

  
  Sincerely,
  
  ***************************

  

  Business Response

  Date: 02/11/2024

  Hello,
  Thanks for reaching out to Varo through the Better Business Bureau. Weve received your complaint and have worked to thoroughly investigate your concern.
  In order to protect your online privacy and account details, weve responded to your concern directly at the registered email account we have on file for you.
  Please check your email for this detailed Varo communication. Should you have additional concerns or questions, we can be reached at **********************************.
  
  

• Initial Complaint

  Date:01/26/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have maintained an account with ******************** for an extended period. Regrettably, the account has been closed, and despite multiple attempts to seek clarification, I have not received any response. To the best of my knowledge, I have not violated any terms of service, and I perceive the closure as unjustified.Throughout the account's duration, I consistently maintained a positive balance and ensured the regular receipt of direct deposits for the past four months without any issues. In the preceding month, I began receiving peculiar emails from Varo Bank prompting me to "Setup Direct Deposit," despite the fact that my account continued to receive deposits as usual. Disregarding these emails, I was taken aback on 01/25/2024 at 5:54 PM EST when the account was abruptly closed. In an effort to address the situation promptly, I attempted to contact the bank over the phone within minutes of the closure, but unfortunately, I did not receive a response. Subsequently, I submitted an email inquiry, which also went unanswered. The account was closed without any prior warning, impeding my ability to withdraw funds.Moreover, this closure has had a detrimental effect on my credit score, as it involves the termination of a credit account, reflecting a lack of consideration for customers' financial well-being.

  

  Business Response

  Date: 02/02/2024

  Hello,
  Thanks for reaching out to Varo through the Better Business Bureau. Weve received your complaint and have worked to thoroughly investigate your concern.
  In order to protect your online privacy and account details, weve responded to your concern directly at the registered email account we have on file for you.
  Please check your email for this detailed Varo communication. Should you have additional concerns or questions, we can be reached at ***********************************

• Initial Complaint

  Date:01/26/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Date: Jan 25th **** I was locked out of my account without notice. When I went to log in it stated that my account was temporarily suspended and it would be restored in 4 days for my protection. Within the last ***** hours I have not made any unusual purchases or withdrawals. I receive my payroll check and other funds using this account regularly. I found this message unusual, So I attempted to reach out and without access to my online account this was hard to do because they have a online chat feature. I looked online for a number and called customer care. I had to call and try different options to reach a live person I had to call 14 times and begged one department to transfer me to another. When I spoke to the foreign agent he stated he was confused had me on hold for two hours to tell me that it was simply suspended for my security. There was no way for them to verify my identity or explain what made them review my account as if it was at random. This was the middle of the day and I use a ride share to get home. I was then stranded with no access to my funds at all or any explanation. As a banking institution that I trust with my funds digitally there should be some way to verify my identity or transactions by reaching out to customer care agent because they do not have a physical location. I got a email that said in four days they would reach out no details or anything. I found this very strange I have been using this company for over a year and never had this issue. In the next few days I am due to receive my tax refund advance and I currently have funds in my account. I can not continue to go with out access to my account or my funds or I will be prohibited from getting to work and provide for my family. I had to walk 22 miles because I had no access to any of my funds. I feel like they may be having some sort of issue and do not want to release my funds until they have them to distribute. I should always have access to my funds. This is unacceptable.

  

  Business Response

  Date: 02/02/2024

  Hello,
  
  Thanks for reaching out to Varo through the Better Business Bureau. Weve received your complaint and have worked to thoroughly investigate your concern.
  
  In order to protect your online privacy and account details, weve responded to your concern directly at the registered email account we have on file for you.
  
  Please check your email for this detailed Varo communication. Should you have additional concerns or questions, you can reach us by responding to the email. For questions related to something outside of your complaint, you may submit the following web form to ensure that you are routed to the appropriate servicing channel www.varomoney.com/support.