Kirsti
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Reviews by Kirsti
★★★★★
BEWARE. DO NOT USE ACTIVE HOURS. I WOULD HAVE BEEN BETTER OFF GOING TO A REGULAR PAYDAY LOAN PLACE. ACTIVEHOURS HAS COST ME OVER $250 ON A $46 LOAN THEY SENT THAT I NEVER REQUESTED. They claim they are a better alternative. But payday loan places charge u $17 on a $100 advance. They automatically sent me $46 but didn't complete confirmation on it causing over $250 in overdraft fees. On December 30th I woke up to activehours telling me it was payday even tho their system had my correct payday as Jan 12th. I got this resolved but that night they sent $46 to my account automatically Bc I had the account shield on which transfers funds when you bank account falls below $100. 5 days later I see my bank account as $167 in the negative Bc of three $36 overdraft fees. I call my bank and they say the $46 that was sent never came out of pending Bc it is waiting for confirmation from the merchant. Active hours denies they ever sent it and says the bank must have funded that money in their name which is not only incorrect but impossible as it was after hours being 10:30 at night on a holiday and on the weekend. My bank wasn't even open. What happened was when I got the payday mishap fixed the system must have assumed it was a new pay period and automatically sent me something, allowing it to sent funds that exceeded my pay period max. I had already requested my $100 pay day loan which is the max it would allow. But they sent more automatically that I didn't request. I assumed my payday max increased Bc earlier it said it may go up depending on what I was paid. My pay increases so I thought my max increased. Turns out it was a system error on their part and they are unwilling to accept responsibility and have said they are waiting on my bank to reach out to them. This is a problem they caused and I don't think my bank is allowed to contact them regarding my personal account. Bc they caused this they need to contact the bank to fix it. They say on their website they will cover overdraft fees if they cause them but they are not. So after 7 days I got another extended overdraft fee of $36 causing my bank to be $203 negative. The 12th active hours tried to pull $46, $46, and $8 that I recieve, back from my bank account causing three more overdraft fees totaling $250 in overdraft fees plus the $46 that I used they sent me that was never approved this leaving my account $311 in the negative. I image they are not going to stop trying to pull money from my account and cause more fees.
