Overview
Credit Genie is a company that helps everyday people manage their finances by offering a simple and quick cash advance service without interest or credit checks. You can get a small amount of cash, usually between $10 to $100 if it’s your first time, and up to $150 if you return. To use the service, you link your bank account and pay a small fee of $4.99 every two weeks to keep the connection active. The money can show up in your account in as little as a few minutes if you choose the fast delivery option. This service is designed to help you cover expenses between paychecks quickly and easily without the usual fees and penalties some other loans or cash advances have.
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The information was directly taken from the official Credit Genie website, which clearly explains the main service they offer to consumers. The explanation is broken down into simple terms suitable for consumers, highlighting the cash advance feature, fees, and quick access to funds without complicated financial jargon.
How to Get a Credit Genie Refund: Step by Step
If you purchased through Credit Genie's Website (creditgenie.com):
- Open the Credit Genie app or website and log into your account.
- Disconnect your bank account within the app or website to stop the recurring biweekly $4.99 Bank Connection Fee; this is required before requesting a refund on the recurring subscription fee.
- Contact Credit Genie customer service directly to request a refund for your membership or subscription fee via one of the following methods:
- Go to their official customer service portal: Submit a request here.
- Call any of these customer service phone numbers for assistance:
- +1 805-918-1818
- +1 658-228-5731
- +1 914-306-0878
- +1 613-890-6278
- +1 989-948-4968
- +1 283-778-0099
- When requesting a refund, emphasize that the recurring charge for the Bank Connection Fee was not clearly disclosed before renewal or that you did not receive sufficient notice of the charge renewing.
- Follow up your refund request promptly by phone if no response is received from the customer support portal within 3 business days.
How to Contact Credit Genie
If you need assistance, here’s how you can get in touch with Credit Genie support team:
Tips and Tricks for Getting a Credit Genie Refund
- Send refund requests at least 3 business days before your next repayment is due to avoid being charged again before they process your request.
- Use clear, concise language that explicitly states revocation of ACH authorization and references their terms of service if applicable.
- Emphasize that the recurring charge was not clearly disclosed before renewal or that you did not receive sufficient notice of the renewal charge.
- Follow up promptly by phone if no response is received within 3 business days to push for faster handling.
- Repay any outstanding balance before requesting a refund or revoking authorization to show good faith and avoid disputes over unpaid amounts.
- Consider revoking your bank account or card linked to Credit Genie after your refund is processed to prevent unauthorized future withdrawals.
- Highlight a history of timely repayments if applicable to strengthen your case for a refund.
- If initial attempts fail, escalate by sending a formal email referencing consumer protection rights or threatening to file a bank dispute or complaint.
- Avoid paying express or non-refundable fees as these are typically not reimbursed.
- Use a polite but firm refund request script: “Hello, I am writing to formally request a refund for a recent charge on my account that I believe was made in error. I did not intend to incur this fee and I am unsatisfied with the service I received. Could you please assist me in processing this refund at your earliest convenience? Thank you for your understanding and support. Best regards,”
Why Do People Request Refunds from Credit Genie
- No services rendered despite charging customers.
- Unauthorized charges on accounts even after deactivation or account closure.
- Continuous monthly withdrawals without notification or service delivery.
- Deceptive charges for connecting bank accounts (e.g., using "Plaid") without qualifying for services.
- Difficulty in stopping charges despite account deletion or multiple refund requests.
- Auto debit charges taken without providing the promised services or products.
- Customer dissatisfaction leading to refund demands due to misleading or unexpected charges.
Credit Genie Refund Script
Script
Copy
Hello,
I am writing to formally request a refund for a recent charge on my account that I believe was made in error. I did not intend to incur this fee and I am unsatisfied with the service I received.
Could you please assist me in processing this refund at your earliest convenience? Thank you for your understanding and support.
Best regards,
Credit Genie Refund Policy
Credit Genie's refund policy states that tips, express delivery fees, and the bank connection fee are non-refundable. This means that once paid, these charges cannot be returned to the customer.
The Easiest Way to Get a Credit Genie Refund
If you’re frustrated trying to get a refund from Credit Genie—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or card account, and we’ll take care of the rest.
Start reclaiming your money today with Chargeback
Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
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