Overview
Empower at empower.me is a financial technology company that helps people with their money by offering easy and quick services. They mainly provide a cash advance service where you can get up to $300-$400 instantly to cover unexpected expenses without interest, late fees, or credit checks. They also offer a subscription-based line of credit called Thrive, which helps build credit history by reporting payments to credit bureaus. Additionally, they have an automatic savings service linked to a bank account, making it easy to save money over time. It's like having a friend who provides quick cash help, helps you build credit, and encourages saving money.
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The information is directly taken from the official Empower website which clearly describes their main services in simple terms suited for consumers. The services involve no complex jargon and focus on customer benefits like instant cash, credit building, and savings, which matches the user's request for a friendly, easy-to-understand description.
How to Get a Empower Refund: Step by Step
If you purchased through Empower.me directly:
- Open the Empower app on your mobile device.
- Go to the “More” section located at the bottom right corner of the app.
- Tap on “Billing.”
- Tap on “Cancel subscription” at the bottom of the next page and complete the cancellation process to close your subscription.
- After cancellation, to request a refund, send an email to help@empower.me requesting a refund for your subscription or membership charge.
- Include in your email:
- A clear statement that your subscription was cancelled but you want a refund for the recent charge.
- Mention if the subscription renewed without notice or the account was unused to increase success likelihood.
- Allow a few business days for response and refund processing.
- If you have an Empower Card or AutoSave, any remaining balance after pending transactions will be transferred to your linked external bank account.
Tips and Tricks for Getting a Empower Refund
- Be persistent and polite: Maintain a firm but courteous tone in all communications to avoid being ignored or dismissed.
- Use clear, direct language: Clearly state your refund request and reasons without ambiguity or emotional language.
- Contact support repeatedly: If first attempts fail, repeatedly follow up via email or phone to keep pressure on the company.
- Escalate when needed: If frontline support is unhelpful, ask to speak with a manager or higher-level authority in the company.
- Time your request strategically: Reach out during business hours and avoid weekends or holidays for quicker response.
- Document all communications: Keep copies of emails, messages, and records of phone calls to show evidence if needed.
- Mention precedents: Refer to others’ successful refunds (when applicable) to strengthen your case.
- Consider payment disputes: If Empower refuses refund, consider disputing charges with your credit card company as a last resort.
- Avoid aggressive or emotional language: Stay calm and professional throughout to maintain credibility.
- Be aware of cancellation windows: Initiate refund requests as soon as possible before orders are processed or shipped to increase success chances.
Why Do People Request Refunds from Empower
- Charges without disclosure where customers only found out after reviewing bank statements.
- No prior billing communication before charges occurred.
- Main service (Cash Advance) unavailable in certain states yet customers were allowed to subscribe.
- Lack of transparency about product availability and state restrictions.
- Charged for unusable services such as Cash Advance not available in their state.
- Partial refunds offered but customers wanted full refunds due to non-usage of services.
- Unauthorized account access and charges even after account closure.
- Inaccurate and harmful credit reporting related to Empower accounts.
- Misleading service access and deceptive practices reported by customers.
- Vague terms of service and poor customer service.
- Charges for services not available in customers' states causing frustration and requests for refunds.
Empower Refund Script
Script
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Hello Empower Support,
I hope this message finds you well. I am writing to request a refund due to an accidental charge on my account. I did not intend for this charge to go through and would appreciate your prompt assistance in resolving this issue. Thank you for your attention to this matter.
Best regards,
Empower Refund Policy
Empower's refund policy states that if they cause an overdraft related to withdrawing funds from your External Bank Account or Empower Checking, they will reimburse any overdraft fees incurred. To receive this refund, customers need to contact Empower directly.
The Easiest Way to Get a Empower Refund
If you’re frustrated trying to get a refund from Empower—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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