I didn’t even want to give it a star I didn’t even want to give it a star. No customer service. They will answer when they take your money but can’t answer when you need a verification of payment. Horrible. I gotta stop messing with these online reward gift no Getty ghost banks

Point terminated my account when I questioned them Unfortunately I have been the victim of a suspected fraudulent company. I found Point App (Point.App) that is managed by Radius Bank to provide my online and self-employment banking needs. I was shocked at the $99 annual fee, but reluctantly paid it thinking that I would be able to have a bank I could trust and rely on. My issues started when Point allowed a $1,300.00 CashApp transaction to be made using my debit card. I immediately called them and flagged it as fraud. I was told that NO provisional credit would be issued whatsoever. I was told that "Regulation E", which requires banking and financial institutions to provide a provisional credit to your account within 10-business days of a fraudulent transaction reported, did not apply to them. This is a lie and deceptive business practices. My dispute was closed on Day 8, saying that they saw "no wrongdoing". Fast forward a few weeks and I had an item that was never delivered. This was for $1,028. I waited a few days and waited for a response, to which a dispute was opened on 9/18/2021. The dispute team started their investigation on 9/20/2021, and I was told by Aubrey at Point that I would have my credit issued by the end of business on 10/1/2021, which is today. I contacted their customer service and was told that she misspoke, and it is "10 full business days, not just 10 business days". This is a lie. They did not want to provide any sort of provisional credit. I now just received an email saying that after my ticket (citing Regulation E) was escalated, they have closed by bank account permanently and effectively. This is absolutely wrong and vile. Point offers almost zero customer service, and has no backing whatsoever. When they were caught violating Regulation E laws with provisional credit, they immediately terminate your account because they "are god". Beware of this company who can just up and nilly-willy close bank accounts when you try to correct them. The CEO and Founder, Patrick Mrozowski, refuses to manage his company, Point, and it is doomed to fail.

Please do not use this merchant for your merchant services. Please do not use this merchant for your processing - they fraudulently reopened a never accepted account and charged me monthly in a sneaky manner that my accountant didn’t notice. I’ve been paying them monthly for nothing. I’ve never used them because the fees were astronomical and we canceled the order. This was 3 years ago. I had a psi compliance come up in 2020 and they told me not to worry about it I didn’t have any accounts. Flash forward -now my accountant picked up on these magical fees hidden with very little information. I had to go back in my emails and it shows when we started down this path. I’m so grateful those were there. They are a fraud and steal from small businesses. I was promised a call and no one did and I called back to have someone tell me they are not refunding anything. They also didn’t cancel my accounts as promised. Now I’m being told I have to cancel separate which means I won’t be able to verify myself anymore and won’t be able to talk to anyone. Not like I can now. Thousands of dollars- I will be going to the is attorney general and I will be letting every business owner I know about this.

Love my card I've had my account for six months now and made hundreds of dollars in cash back. It's nice to earn high rewards without worrying about the interest charges that I sometimes get with credit cards.

POINTS IS A BRILLIANT IDEA -