CharlieReviews of charlie.com

I have taken over my sister's finances, having a legal POA. She switched over to the Charlie Visa for her SS due to issues with scammers accessing her bank account. Initially checked out their website, noticed that it focuses on the senior citizens. My initial phone contact with a Kathleen T went well; we were inquiring as to why my sister's account was frozen (we found out when a bill got denied by Charlie (the biller notified us, not Charlie)) and to discuss my managing the account; she was polite and provided us the information needed for putting the POA onto the account. After a few frustrating attempts to check the account, only to be kicked out, we made a call to support, reporting the technical issue with both the website and app. Unfortunately, since then, there continues to be issues accessing the account (via website or app) and I have spent numerous of hours calling customer service, only to be told they are busy and to email their support group or to call back. Today, I called three times; the third time I was given the option to leave my phone # for a call back. Though the customer service rep was friendly, my questions were met with long periods (10 minutes or >) of being put on hold while she researched the answer. Q1: We had sent the information required to put the POA on file at the beginning of June, and had heard not response back confirming receipt. Did you receive it? A: Yes it was approved and is on file in her account. Note that due to poor website design of the account, one does not see the POA on file; Q2: If my sister's account is fraudulently accessed, is the funds that are taken replaced by Sutton Bank, FDIC? A: Yes; Q3: With the decline in my sister's mental health and inability to manage her finances, I asked that my phone # be added to the approval phone or used as the primary. A: I was then referred to a manager, Ms Turner, who proceeded to tell me that despite having a POA on file, I could not change the contact # and that I should go thru my sister's phone carrier, give them a copy of the POA, so I can access her phone. Hmmm, really? Definitely not impressed with Charlie Visa policies nor the technical aspect of their website and app. WARNING: For those of you with a mentally compromised loved one; beware of Charlie Visa Update: Received email back from Charlie after responding to a survey regarding the phone contact. Unable to address POA concerns. Customer service said to be improving access.

MASTER THIEVES EXTRAORDINAIRE! This sham operation hits below the belt. They attack the weakest population in the United States. Seniors and disabled. They promise to generate your social security monthly payments earlier than the SSA-prescribed first week of every month, and that much they accomplish, but if there is ever a hitch in the giddyup, they are IMPOSSIBLE to reach by phone and they do NOT answer emails. I JUST called 4 times too verify before I wrote this (1006am CDT 7/30/25) and when it asked for my card number or to hit star if the card was lost or stolen, i hit star, and was told I'd be connected to the next available operator. 20 seconds later, they say there is noone available and to leave a message and they will call back, THEN THEY HANG UP ON YOU BEFORE YOU CAN LEAVE ONE!!! These clowns are now holding $1100 of my mney and I cant get a hold of anyone so I'm reporting them to both the Soc. Security Admin,. and the FDIC, as well as the Federal Trade Commission. They say they open at 9am central yet they NEVER are. I'm pulling out and also gonna report their illicit parent company, Sutton Bank, which acts like they have nothing to do with Charlie when its convenient for them to do so. 7/31/25 UPDATE The OUTRIGHT LIES CONTINUE In the miniature reply by Charlie Financial they claim to have made numerous attempts to reach me by phone, when , If you actually READ MY COMPLAINT, you can clearly see I have NO Phone access since my phone was stolen a week ago, so That's lie #1. In going thru all my email since they posted that claim dated yesterday, 30 July, there have been NO emails sent to me other than one woman, a "Kathleen" who seems willing to handle the situation. I offered to have a ZOOM call with her and I have NOT had a response from her as of 143pm CDT 31 July. So the false claims keep on "rollin, rollin, rollin...".

I cannot stand Charlie, it blocks me and I cannot ever get ahold of customer service. Needless to say, I cannot use MY money!

Had a dispute on two online purchases. That I didn't make. Never received a text stating the purchases. I don't live where they purchased and have never bought or purchased anything like those. Also can see on that card several fraud charges were tried from another country. Now they want me to pay the $1200 back for those purchases. That's why I hate Charlie.Not a bank. A tru bank wouldn't do this to me. They need to have a better group of people investigating this issue. I'm in disability and don't ever charge this kind of amount.

I sent my rent money to my landlord via their send money on the app. Some reason their was an issue so they put money back in account to try again.again some issue. Now my landlord is pissed,now I have to have them put money back in account so I can either transfer to my old bank and write him a check or just get cash for him along with $25. Late charge because now my rent will be more than 5 days late. Changing my direct deposit back to my old bank and am done with Charlie, No Angels here.

I was checking Charlie out and I believe they are fraudulent people ,I never gave them permission to contact Social Security on my behalf, I don't trust them

I had someone do fraudulent charges on my account took 400 dollars.I needed to pay bills I got things cut off I just wanted my money back don't know Will I see it again.

Will not help if when you can get them