sprucemoney.com Avis 

I wish I could give a negative star review. I am writing this to warn others so the same doesn't happen to you. For 30 days spruce has known my account had been hacked by an identity thief. Someone changed my email address i was locked out so I notified spruce to fix it, 30 days of me calling daily nothing was being done, 31 days a few days before my tax refund should hit, i get a call from what my caller id says is H&R block, lady says she is from h&r block spruce escalation department. I give her the information she asked for to verify my identity. Says everything should be fixed within the next few days. Well that same night someone was able to change my mailing address and order a new debit card with use of a digital one until they receive the new one. Strange coincidence right. I call spruce ask them Wtf. I had to force the address that it was changed to out of them. No reason given as to why or how they allowed someone to call and change this kind of information since i should of been flagged for the email being changed. They say they closed my account but i called the next day to see if it was and it seemed to be open still. They wouldn't provide me with a letter of account closer for proof. H&r block identity shield is useless they cant do anything but transfer me to spruce. The whole thing has made me feel like the out of country out sourcing is for the purpose of fraudulent transactions like mine. I dont know how my information would of gotten out especially receiving the call about the issue with my account. Its absolutely crazy I've been sick from this and its still not over have to wait for h&r. block to mail my return now. Don't use spruce or h&r block.

Imagine this: I get a notification that a car rental company is charging my card, and multiple transactions totaling over $3,000 are pending. Thankfully, I always keep my debit card locked as a precaution, and I didn’t even have much money in that account at the time. To my shock, however, a $1,750 transaction was approved.

Here’s where it gets even worse: I’ve been denied at places like McDonald’s if I’m even a dollar short. But somehow, Spruce allowed this massive unauthorized charge to go through. When I contacted them, they claimed certain merchants can “force the claim” and withdraw funds immediately.

I filed a fraud dispute and took it upon myself to investigate. I obtained documentation directly from the rental company and sent it to Spruce. After all that effort, I was simply told I might possibly receive provisional credit—no guarantees.

The bottom line? Your money is not safe with Spruce. If your funds are stolen, not only will they fail to protect you, but the resolution process will drag on for weeks, leaving you financially stranded.

I am beyond disappointed. Do not trust this company. Protect yourself and your hard-earned money by banking elsewhere.