Review Insights · Google Play
Ollo Credit Card Mobile App
Merrick Bank · 253 ratings · ★ 3.9
3.9
★★★★★
253 ratings
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Top complaints - extracted from 54 negative reviews
Recurring phrases mined from 1-2★ reviews. The bigger the percentage, the more users have the same problem. Fix the top 2-3 in your version and you have product-market fit on day one.
1
"card"
14 negative reviews mention this · 26% of all complaints
★★★★★ "The app doesn't work. It won't let me enter user name or password most the time. if it does it goes to a page about unlock acct, report lost or stolen, activate card but nothing about my acct. Merrick bank took over my cc. I sure hope this …" - Audrey M
2
"ally"
13 negative reviews mention this · 24% of all complaints
★★★★★ "keep getting invalid request when trying to make a payment. the ally app was better! Fix this!" - Gravity PGabriel
3
"website"
10 negative reviews mention this · 19% of all complaints
★★★★★ "Never been able to log in to the app. Just spins. I've uninstalled and reinstalled multiple time. Even tried logging in with the wrong info on purpose to see if it gave me an error message instead, but nothing. No issues with my username an…" - Virginia Preast
4
"credit"
9 negative reviews mention this · 17% of all complaints
★★★★★ "App doesn't work. How can you offer credit cards and your users can't sign in through the app and the website doesn't load?" - JASON SHARP
5
"been"
8 negative reviews mention this · 15% of all complaints
★★★★★ "Never been able to log in to the app. Just spins. I've uninstalled and reinstalled multiple time. Even tried logging in with the wrong info on purpose to see if it gave me an error message instead, but nothing. No issues with my username an…" - Virginia Preast
6
"ollo"
8 negative reviews mention this · 15% of all complaints
★★★★★ "Horrible, horrible exceptionally horrific app: OLLO Bank. The "Exceptionally, excellent 👌🏾 app" review that I left earlier was for the "Merrick Bank" app. However, the OLLO Banking app is so bad it makes you want to throw your phone out o…" - Quincey F. Kyles, LCSW
7
"work"
7 negative reviews mention this · 13% of all complaints
★★★★★ "The app doesn't work. It won't let me enter user name or password most the time. if it does it goes to a page about unlock acct, report lost or stolen, activate card but nothing about my acct. Merrick bank took over my cc. I sure hope this …" - Audrey M
8
"password"
7 negative reviews mention this · 13% of all complaints
★★★★★ "The app doesn't work. It won't let me enter user name or password most the time. if it does it goes to a page about unlock acct, report lost or stolen, activate card but nothing about my acct. Merrick bank took over my cc. I sure hope this …" - Audrey M
9
"does"
7 negative reviews mention this · 13% of all complaints
★★★★★ "The app doesn't work. It won't let me enter user name or password most the time. if it does it goes to a page about unlock acct, report lost or stolen, activate card but nothing about my acct. Merrick bank took over my cc. I sure hope this …" - Audrey M
10
"login"
7 negative reviews mention this · 13% of all complaints
★★★★★ "app does not work. stuck on login screen with never ending loading wheel. came from ally and it's annoying when your trying to pay your bill and have to jump through hoops to do so." - LyTasha Rachelle
11
"into"
6 negative reviews mention this · 11% of all complaints
★★★★★ "I can't get logged into the app to make my payment. Its just spinning. Help!" - Pbe
12
"payment"
6 negative reviews mention this · 11% of all complaints
★★★★★ "I can't get logged into the app to make my payment. Its just spinning. Help!" - Pbe
📋 All 54 negative reviews
Every 1-2★ review we fetched. Use the copy button to grab them all for your own analysis (paste into ChatGPT/Claude with a prompt like "summarize core user problems, group by theme, ignore bugs, focus on missing features").
I can't get logged into the app to make my payment. Its just spinning. Help!
Every time I try to make a payment, this app never recognizes my log in info. I've tried, you didn't!
Buffering for days unable to use. I did call and was left on hold for 30 minutes
The app doesn't work. It won't let me enter user name or password most the time. if it does it goes to a page about unlock acct, report lost or stolen, activate card but nothing about my acct. Merrick bank took over my cc. I sure hope this awful app isn't an indication of how they handle business!
Never been able to log in to the app. Just spins. I've uninstalled and reinstalled multiple time. Even tried logging in with the wrong info on purpose to see if it gave me an error message instead, but nothing. No issues with my username and password on the website. I'm not the only person that's had this issue. FIX IT.
keep getting invalid request when trying to make a payment. the ally app was better! Fix this!
I don't like the way you got the new setting set up I like the old way this is much harder which is good for security but when you've had an aneurysm and or trying to get back into your account this sucks
app is fine. still waiting on my card that I call about daily. worst service ever. if\nI don't have a card in 5 days.I'm gonna cut this card up and get rid of the whole service altogether
Horrible, horrible exceptionally horrific app: OLLO Bank. The "Exceptionally, excellent 👌🏾 app" review that I left earlier was for the "Merrick Bank" app. However, the OLLO Banking app is so bad it makes you want to throw your phone out of the window, call T-Mobile (Not BellSouth or MCI) and request a refund for all of your time wasted on it. Horrible app that needs a complete overhaul, technically and interface-wise. JUST DO IT OLLO. Thank you. Mr. Quincey FitzGerald Kyles, LCSW.
app does not work. stuck on login screen with never ending loading wheel. came from ally and it's annoying when your trying to pay your bill and have to jump through hoops to do so.
doesn't recognize PW
App doesn't work. How can you offer credit cards and your users can't sign in through the app and the website doesn't load?
downloaded the app so I could view my balance and pay my bill. the app does absolutely nothing just a spinning wheel saying its loading. if the app is this bad I can only imagine what else is gonna be an issue
The app is always down and so is online banking. You call and they have attitudes. I probably just let this card close. This is the worse credit card I've ever had unfortunately.
app been giving trouble to open just a blue screen been like this for the last 4 days..very annoying..I like to check my account every 2 days to make sure im on track..if the app continues Luke this gonna pay off my balance and delete the app cause I need something reliable
Nearly everytime has login issues where you're not even prompted to login. It just asked you to return later.
App doesn't work very well, or even at all. I can't even login to the actual website.
I have been trying to get into my new acct for 48 hrs. Although the people are trying to assist to no avail. I have been so upset and frustrated with this website and wish someone could help. This is the the worst system ever.
App in slow and unresponsive. Stuck loading.
app and website are not working correctly how can I pay my bill if I can't access either
this app is terrible. keeps giving me connection errors. if its down for maintenance then they should fore warn us as most other apps do. its not just the app, their website isn't working either. what kind of bootleg banking institution done brought out ally???
I cant open app. all it does is the circle goes round and round. I have restarted my phone. I have Uninstall the app. cleared my cache. sorry ally was better
How am I supposed to be able to make my payment when you cannot even log onto the app or the website? It has been 2 days and all I am getting is the blue screen and the spinning circle. This needs fixed asap!
Can't get in. Have uninstalled and reinstalled the app. It just spins.
I just got my card in the mail and activated it. I tried to go into the app and get everything set up in there. I got my username and my password setup, or so I thought. it will not let me in. This is not a good start to our relationship, Ollo.....
your app no longer opens after the last update.
app never logs in..just sits there spinning..I can use website no problems
It constantly buffers and will never open
it keeps saying on the app to update it, but as of 05/07/2026, no updates are available
won't log in. screen freezes. once paid off will be destroying card and not using account. to bad it was good with ally.
I will stop using the credit card because the stupid app won't open/work 90% of the time! The worst app ever, it's been months and ollo can't still figure it out!
Follow is such trash you should avoid this bank unless you like to be discriminated against, and potentially fraudulent practices. just go to your local credit union. this bank with this faulty app does not care about you at all, and this is based on unfortunate real experiences. shame Ollo. Shame on you. people be careful out there. Sharks like Ollo in the water smell your blood.
App does not open properly. Sometimes it gets as far as the login screen where the submit button does nothing when you click it. Other times, it gives a blue background with spinning wheel and never even gets to a login screen. Poor coding and design. For a credit card app, the main feature is to be able to log in, then see balance or pay bills. This app doesn't function that way.
have been trying to log in for the past 2-3 day's and it's just loading deleted and reinstall still not working. I still don't know why Ally sold out to Merrick, had Merrick b4 & wasn't happy then or now. In this day & age how have does a company doesn't have a functional app. Very disappointed & not impressed instead of fixing the app issues these generic replies about calling customer service for assistance just blows me. Current goal is to pay this card off.
every time I try to log in it tells me invalid password or login name. I try to change password it says invalid account. I will just mail it.
Autofill has been disabled?! As a software developer, that makes me cringe... So, password managers can't be used with this app. That right here should scare anyone away. I don't generally like closing out credit lines, but this might be the last straw...
Terrible app experience so far. I was transitioned over to Ollo from Ally. The Ollo app has the ugliest and most poorly functioning user experience I've seen in a long time. You submit a payment, and your balance never updates. You can't get detailed transaction info, and you can't even chat within the app. I really liked this card with Ally, and their app for it was great. But now I've gone from content to utterly dissatisfied.
app is amateur at best. horrible functionality. you could go look at the ally app you replaced to get an idea of where to start to improve customer experience
I wish I could give 0 stars. the app never opens. website spins into oblivion when I try to login that way. do you want my money or not???
connectivity issues. not having this problem with other credit card apps
horrible app it never works. Ally was amazing and now this nonsense of an app has pushed me to go use my other banks
the app sucks now. can't use it .it never connects it worked good until the merger. now it's useless so is the Merrick app.
This app hasn't work correctly since the company switch from ally to ollo
I have two accounts from Ally. On one account, made a full payment before the auto pay a week before, but the auto pay still tried to go, unlike with Ally, making an NSF. Now that bank is blacklisted and cannot be used for single payments, even the 2nd Ally/Ollo account. The 2nd card's auto pay with that bank still works fine. Now they require a letter from the bank certifying the account is in good standing. This is not friendly for rebuilding credit. CapOne just runs it again and all is well.
I've trying for 2 days to get this app to open to pay my bill and it just spins.
This app never opens it just spins and says connection error. Retry later. Yes, I tried uninstall several times and same error.
Cannot login to the app. keeps saying invalid information. I copied and pasted the info from my password manager. same thing. I manually type what I have in nothing. no matter what I do it says invalid. the web page works fine. tried uninstalling and reinstalled it still nothing. I have run out of ideas.
I've had it for 3 months and updated it twice.
Great information and ease of access and function. At the same time this app fingerprint access has never worked. Also the app has never allowed you to log out and simply exit by pressing the back button. it gets caught in a loop where to exit app you have to press the home button. Once they get that all worked out it'll be a 5 star app for what it's use purpose is.
app is garbage.. always have a hard time opening it
+ 4 more in the clipboard copy
Sentiment summary
70%
Positive (4-5★)
4%
Neutral (3★)
26%
Negative (1-2★)