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Business Profile

Financial Services

Varo Money
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BBB Accredited BusinessA-Rated by BBB

Important information

Complaints

Customer Complaints Summary

  • 2,349 total complaints in the last 3 years.
  • 845 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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.

Sort by

Complaint status

Complaint type

  • Initial Complaint

    Date:08/10/2023

    Type:Service or Repair Issues
    Status:
    Resolved
    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 won't return my money I feel varo bank hold my money from thursday 3rd. I have to pay bills been behind for 2 months I don't receive money ssa from Thursday 3rd. I feel varo bank steal my money and won't send me it to my money. I keep calling or live chat with varo people. They said can't help there I can do nothing to with. I feel they don't care. I been frustrated all week. I need my money. It's almost 6 day really?

    Business Response

    Date: 08/11/2023

    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: 08/13/2023

    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.

    Sincerely,

    ************************

  • Initial Complaint

    Date:08/10/2023

    Type:Service or Repair Issues
    Status:
    Answered
    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.
    08/10/2023 Varo 252 or 262

    Business Response

    Date: 08/18/2023

    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:08/09/2023

    Type:Delivery Issues
    Status:
    Answered
    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 made an order in the amount of $152.64 with Amazon a week ago... And promptly cancelled the order. However, even though the order was cancelled, **** still has the funds marked as pending. I want my money immediately credited back to my account as the order was cancelled and the item never actually shipped.

    Business Response

    Date: 08/16/2023

    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:08/09/2023

    Type:Product Issues
    Status:
    Answered
    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 depostited my check on July 31,2023 with the intent of having the funds applied with in 2-7 days, then they took two days to approve it and set the deposit day for 8/11/2023. I've called and sent e-mails and it has been vertually impossible to speak to a live human. My e-mails get returned. This policy is trash! As far as I'm concerned the check should have been released by 8/7/2023. My auto insurence might laps due to the banks negligence, as well as everything else getting disconnected one unpaid item at a time.

    Business Response

    Date: 08/16/2023

    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:08/08/2023

    Type:Product Issues
    Status:
    Answered
    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.
    For the last month, the ability to send and receive money through Zelle has been not working. I have attempted to reach through every avenue of support offered by Varo Bank and am left with multiple answers as to why it does not work. Every single person whether it be through chat, email support, or the zelle help line they have set up, everyone gives the same answer. Account security, but when I tell them I have received money from this person previously and that their bank is not the issue, I am then told that they are working to fix this issue. But the work has been going on for over a month now with a random day or two where it works and then goes back to not working again. We are told to use separate methods (specifically ones that cost additional money) to try and receive the funds. Support leads nowhere and no help or assistance is provided.

    Business Response

    Date: 08/15/2023

    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:08/08/2023

    Type:Order Issues
    Status:
    Answered
    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.
    Hello, I received a debit card from Varo Bank to which I have not opened an account with. I am concerned that this may be identity theft and need the account closed. I tried calling but there is no way to connect with a real person to discuss the matter. Please close this account and confirm the card has not been used. Thanks ******

    Business Response

    Date: 08/09/2023

    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, weve responded to your concern directly at the email address associated with your complaint.

    Please check your email for this detailed Varo communication. Should you have additional concerns or questions, we can be reached at ***********************************

  • Initial Complaint

    Date:08/07/2023

    Type:Product Issues
    Status:
    Resolved
    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 used my Varo card at my banking institution for the purchase of a money order. The transaction was declined, but **** shows the money debited to my ************* My credit union needs to speak with a live person to confirm the transaction so that I can get my money back. Because there are no live persons to speak to I may never get my funds that **** released. All I need is a repasentive to call my bank. When I first filed the dispute I reached a live person so I know they can call people.

    Business Response

    Date: 08/17/2023

    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: 08/18/2023

    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.

    Sincerely,

    ***************

  • Initial Complaint

    Date:08/07/2023

    Type:Product Issues
    Status:
    Answered
    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 partner and I are closing on a house later this month, and I need to access money in my ************ account in order to pay the closing costs. Varo bank does not allow wire transfers and FNBO will not initiate an ACH transfer. As of Aug 1, 2023 I have been UNABLE TO ACCESS MY MONEY because **** will not synch my bank account so that I can transfer the minimum $10k to my FNBO account. These used to be synched -- I even transferred money in late July 2023. When I attempted to transfer on Aug 1, the feature was disabled without any warning and no reason was indicated. I keep following the chat advice to unlink and relink my account, but each time my account remains in a "synching" status for over 24 hours. It literally will not synch, and I cannot move money. I CANNOT get assistance to resolve this issue. I literally have no way of accessing my money, and I need it very soon to close on a new house. I HAVE MADE MANY PHONE CALLS TO THEIR CUSTOMER SERVICE NUMBER, AND I CANNOT SPEAK TO A HUMAN PERSON ABOUT THIS. I CANNOT GET ANY HELP TO RESOLVE! Furthermore, I have requested a debit card be sent to my address so that I can try to make daily ATM withdrawals. Their website informs that a card will arrive in 6-9 business days. I am very skeptical that the card has been issued and sent. I cannot get in touch with anyone to confirm. I have not received any emails advising of the status of my new card request. None of my emails to customer service have not been returned. Literally NO ONE is replying to my urgent requests for access to MY SAVINGS!To resolve this, I would like Varo to contact me with a solution for accessing my money. I would like to move ALL of my money to my FNBO account and close my accounts with ****. I never want to deal with them ever again.

    Business Response

    Date: 08/10/2023

    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:08/07/2023

    Type:Billing Issues
    Status:
    Answered
    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 requested a Varo Cash Advance which I was told is a $0 fee and 0% interest for $20 or $50 which were the only two options available to me. I proceeded and now it's saying I owe them $4 for a charge. I just spoke with ******, ***************** from ****************** with from the Varo Chat from 08.07.23 10:09 am-11:15am PST.

    Business Response

    Date: 08/09/2023

    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: 08/09/2023

     
    Complaint: 20434335

    I am rejecting this response because:

    They are completely disregarding the evidence and proof I have stating $0 fee. They know they lied and then later on are stating there's a fee. Why does it still state I owe $54.00 but I only borrowed $4 and say $0 fee. It is lying and deceiving. Shows how they know they are shady because they're not trying to respond to you guys or show you what they sent me just saying they will take care of it. This is not okay. Who knows how many people they did this to as well and feeling hopeless and being ignorant not knowing there are other options and resources to help assist and advocate for your rights or what you're promised. It is one thing if you're told or promised something and then getting mad about it just because of whatever reason; now that makes sense on why it would be reasonable to pay a fee but if you're lied to or deceived saying there's no fee/interest/charge and then after processing your request your charged; now that is not just and correct nor fair. This needs to be addressed, they need to be reprimanded in order to stop abusing and deceiving other customers, and corrected from having me or any other potential victims fall for false advertisement and promises.


    Sincerely,

    ************************************

    Business Response

    Date: 08/15/2023

    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:08/07/2023

    Type:Product Issues
    Status:
    Answered
    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 a customer for 3 years. Had my income deposited in this bank with no issues. Just recently I got an email they closed my account. No specific reason why. So my employer deposited a check mistakenly and i got on the hook for varos mistake. Still no way to call them cant even send an email or anyway to contact them

    Business Response

    Date: 08/15/2023

    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 ***********************************

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