Out of hundreds of user reviews published in March 2025, here are some of the biggest frustrations shared:

• Frustrating points system: Many users are annoyed by the requirement to earn points through completing offers, playing games, or other tasks just to access a cash advance. They find it time-consuming and not worthwhile.
• No cash advance received: Several users report not receiving their cash advance even after completing all the necessary steps or using points.
• Unexpected charges: Multiple users complain about being charged membership fees without their consent, and difficulty canceling or stopping the charges.
• Tiny or fluctuating advance amounts: Users are frustrated with being offered very small advances like $5, or experiencing inconsistent and changing advance amounts.
• Unhelpful customer support: Many users say they can't get effective help from customer service, reporting slow responses or unresolved issues.
• App glitches: Some users experience technical issues like login errors, trouble linking bank accounts or debit cards, and app crashes.
• Early repayments causing overdrafts: A few users mention that repayments are taken out before the due date, leading to overdraft fees. Overall, the complicated points system and issues with receiving advances or unexpected charges leave many users feeling frustrated with Klover.

Even though Klover is a legit company, we found over 20 reviews published recently describing the service as scammy (for context, this is out of hundreds we analyzed). About 22 explicitly call the service a “scam”, “fraud”, or “scam artists”, while several others mention hidden charges or feeling deceived.

Several users report not receiving the promised cash advances despite completing required tasks, and some mention unauthorized charges or difficulty canceling subscriptions. A few express concerns about data security, noting increased spam calls or suspicious activity after linking their bank accounts.

The common theme is that people feel misled or financially harmed, often pointing to a confusing points system, ineffective customer service, and misleading advertising. While these experiences don't reflect everyone's, it's important to be cautious and consider these reports before using the app.

We found four overdraft-related complaints about Klover, mostly about funds being withdrawn before the scheduled repayment date, resulting in overdraft fees. Several users reported the app taking money out a day early, before their paychecks arrived, causing NSF charges.

One user had $161.99 deducted eight days before the agreed repayment date without explanation, and their balance still showed as outstanding. Another mentioned withdrawals occurring outside business hours, leading to unexpected overdrafts.

Due to these premature debits and the resulting fees, some users expressed frustration and decided to stop using the app.

In 2024 and 2025, Klover faced class-action lawsuits alleging that they charged excessive fees on cash advances, resulting in annual percentage rates (APRs) exceeding 300% and even up to 1,000%. The lawsuits claim that Klover violated Pennsylvania's lending laws by offering cash advances with such high interest rates to residents.