JeniusbankReviews of jeniusbank.com

They put fraud holds on money I was trying to transfer. Ultimately I was able to move some of my money but then they put another fraud hold effectively holding my money hostage with no timeframe for when I could make the transfer. This company seemed great until I actually wanted to move money out.

I make $80,000 a year through W2 and other documented sources like eBay and marketplace. I have submitted ALL the documentation needed for a $40,000 loan at least 3 times now. It keeps getting pushed back to me a day later saying “something’s missing” if you call and try to dispute it, they just keep saying “you need to upload a 1040 or additional paystubs” I have… multiple times. I meet the income requirements. My debt to income ratio is low. This is the worst bank/loan processor I have ever dealt with in my life. Will likely be disputing the hard inquiry with the the credit bureaus unless this gets resolved. Jenius bank is IMPOSSIBLE to work with.

I requested the bank ro please complete the bottom portion of a form required by my corporate management company to continue my residence. The form was formal and only required them to record date acct opened, average 6 mth balance, current balance, account # with a signature, date and title. 19. f=phone calls to representative at the only phone number there is led to daily "TICKETS" created that led nowhere, Juts mire Tickets! NO one called, emailed, texted, mailed the form back. Yjery conformed they had it and the corporation requiring it uploaded it to the as well. I lost near $1,000 for non-compliance and am still left with a near eviction of an old unhealthy man. No one to talk wiht, no way to contact anyone, JUST TICKETS! My heaqlgth has very serious deteriorated causing my doctors to require testing to evaluate my health during this unbelievable and stressful time Jenius Bank couldn't care less. This has been going on for two weeks. TWO WEEKS. Avery simple form to complete and return.

Uploaded all documents they asked for. They told me it wasn’t enough and disallowed 2100/mo in income because it’s not from government source. It’s dividend income. Unless you have a job with a w-2 don’t even bother they will just disallow anything else. Then again these “banks” only lend money if you slave for someone else or depend on the government to live. If you build on your own and count on yourself they aren’t interested.

This bank has a script it follows to delay or resist your request to move your funds out of their bank. I have been trying now for a month and have received 20 different excuses, and they still have my money and have cancelled my account!

I initiated an application for a loan with them. The following day or so I was emailed that my paystubs weren’t sufficient so I provided a copy of my paystubs that I would have received if my job had given it to me in paper form. That was also insufficient. When I called the customer service line they told me that the bank was now asking for a copy of my bank statement. Why even more of my personal information is needed when I’ve already provided everything that was initially asked when applying for the loan. Now I have a hard inquiry on my credit report for a loan I didn’t take out. I cancelled my application. The representative was very kind but it didn’t seem they provided her with enough information on the notes as to why my paystubs weren’t sufficient. I was able to get through to customer service fast. Communication about my application was provided fairly fast. It’s just a shame that I missed out on a loan and they missed out on getting those few thousands in interest from me. I guess that’s how the cookie crumbles though.

Will hold your money hostage when you’re trying to make a transfer to an account that you had transferred in and out of MULTIPLE times. I scheduled a transfer 2 weeks ago to move on Apr 9 to our main checking account. Jenius sat on it bc they needed proof of an unrelated account that I had deposited from earlier that week. Still has not hit our main checking account as of Apr 12. This is not an isolated incident for us. Not worth the hassle. Plenty of other online options that have good APYR. Will be closing our account this month.

When attempting to move funds, they refused to transfer my money to any other account other than the one that I opened the account with, without scanned copy of my most recent bank statements. Regret even putting in the time to deal with them.