I'm not sure if it's a **** or just poor service.

I had a really frustrating experience with the app. My payday is the 23rd according to the system, so I emailed them to ask for the deduction to happen on the 24th, since last time they deducted on the 23rd before the money was in my account, which resulted in extra fees. I didn't get a response, and now they're saying the system failed to deduct, even though there's money in my account. I called and was on hold until I got disconnected.