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What users complain about in Gusto Mobile

Payroll & HRApp Store13 Jun 2024 → 31 Oct 2026

95 people complained about Gusto Mobile in App Store reviews rated 1–3 stars (13 Jun 2024 – 31 Oct 2026), 13 of them in the last 30 days. Most reported: direct deposit paychecks arrive late (17%); cannot log in to the app (14%); app and page loads extremely slow (11%).

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How to read these numbers: Only reviews rated 3 stars or below are collected, on purpose: this is a record of complaints, not a rating. It is not the app's App Store or Play Store score and must not be read as one.
People
95
96 reviews
Last 30 days
13
19 in the 30 before
Say what fails
86%
Distinct issues
10

What goes wrong in Gusto Mobile

Each review is sorted by what it says fails. Counts are people; the share is of all 95 people who complained.

  1. Direct deposit paychecks arrive late

    17%

    16 people · 0 in the last 30 days · latest 25 Sept 2026

    user·26b7· App Store· 25 Sept 2026original ↗
    “Imagine the morning you’re supposed to receive your direct deposit you instead wake up to “you’ll be receiving a paper check for this check” so you have to wait until the following Monday or Tuesday just for you to NEVER receive the physical check. Now imagine that for your last…”v4.3.0
    2 more reviews
    user·2786· App Store· 13 Jul 2024original ↗
    “This is the worst platform ever instead of doing direct deposit this place do bank to bank transfers which is messing up everything I got going with bills it’s taking longer to get my money”v2.57.1
    user·2c40· App Store· 01 Nov 2024original ↗
    “If you like never knowing exactly when your paycheck will arrive, then Gusto is for you. I’m about to ask my employer for a paper check because my scheduled payday being on Friday, but Gusto not giving me my money until Monday is unacceptable.”v2.71.0
  2. Cannot log in to the app

    14%

    13 people · 1 in the last 30 days · latest 9d ago

    user·140f· App Store· 22 Nov 2024original ↗
    “U need to fix the app I cannot even log in !!!!”v2.74.0
    2 more reviews
    user·789e· App Store· 13 Aug 2024original ↗
    “I can’t login to the app on my phone since the 2.62.0 update. Please fix this issue soon.”v2.62.0
    user·86e6· App Store· 28 Sept 2026original ↗
    “I use this app because my employer pays through it. I have been trying all day to log in. I had to go to the App Store to update after it kept failing to log me in.. now the app is updated and won’t let me log in at all..”v4.4.0
  3. App and page loads extremely slow

    11%

    10 people · 3 in the last 30 days · latest 17d ago

    user·d594· App Store· 30 Sept 2026original ↗
    “The new layout makes the app slower and harder to use. It also lost the fun color palette and drawings turning to a more AI cheap look and feel. Don’t update, I wish I hadn’t. The “update” really is a downgrade in experience”v4.4.0
    2 more reviews
    user·4263· App Store· 27d agooriginal ↗
    “Application loads super slow”v4.6.0
    user·36f3· App Store· 17d agooriginal ↗
    “I generally dislike this app. It is extremely slow to load, glitchy, and has very specific requirements for when you can enter your time. Really pisses me off that I can’t enter time in the future, I have to wait until 5:00 on Friday to complete my time card. Genuinely if you fi…”v4.7.0
  4. Clock in or out fails completely

    9%

    9 people · 1 in the last 30 days · latest 27d ago

    user·2117· App Store· 30 Aug 2026original ↗
    “i clocked out and had the confirmation for it than got an email saying i was clocked in for over 24 hours”v3.78.0
    2 more reviews
    user·c72a· App Store· 03 Sept 2026original ↗
    “Half the time I can’t clock in, this app always has problems”v4.0.0
    user·3ffc· App Store· 03 Sept 2026original ↗
    “I don’t know why you companies keep trying to push out useless updates that break the app entirely. Oh cool, the pig is animated now but unfortunately I cannot clock into work so what’s the point. Fix your app”v4.0.0
  5. App crashes repeatedly during use

    6%

    6 people · 0 in the last 30 days · latest 02 Oct 2026

    user·b63f· App Store· 02 Oct 2026original ↗
    “Always crashes, can never access my funds due to this. Always updating things late and a lot of crashes”v4.4.0
    2 more reviews
    user·5ec8· App Store· 18 Dec 2024original ↗
    “Worst pay app ever. Completely unreliable service and always crashes.”v2.76.0
    user·3cb0· App Store· 01 Oct 2024original ↗
    “Half the time this app either displays incorrect or goes down at the most inconvenient of times. Maybe this company is trying to the right thing, but they’re going about it the complete wrong way. Holy cow.”v2.68.0
  6. Cannot view pay stubs or previews

    5%

    5 people · 1 in the last 30 days · latest 26d ago

    user·4a45· App Store· 22 Oct 2024original ↗
    “I have never had a pay app that you could not view your paystub prior to payday. If you have our information, why can’t we view this prior to payday?? Not only is this an inconvenience for preparing and paying your bills, but also if there is something incorrect on your paycheck…”v2.69.1
    2 more reviews
    user·abdc· App Store· 24 Sept 2024original ↗
    “The check preview section is garbage. Shows you the date but not a preview of your check which defeats the point!! This seems like a simple fix based around your hours clocked and what you are earning.”v2.67.0
    user·43bc· App Store· 26d agooriginal ↗
    “Upcoming payment preview does not work!”v4.6.1
  7. Fees charged to transfer out funds

    5%

    5 people · 1 in the last 30 days · latest 13d ago

    user·9554· App Store· 22 Aug 2026original ↗
    “Can’t get all of my money out of here. Charging a fee to transfer my money is unacceptable. I got tricked into using this banking app in the first place and I’m glad I never had to rely on it. Gusto Sucks!!!”v3.78.0
    2 more reviews
    user·b38e· App Store· 02 Oct 2026original ↗
    “Fees are outrageous”v4.4.0
    user·d8bc· App Store· 15 Jun 2024original ↗
    “I hate this. It’s a racket. My employer uses this and every time I need to move any money to my REAL ACCOUNT- Gusto wants a cut. Want to piss people off- have them use this.”v2.54.1
  8. Time entry and time off errors

    5%

    5 people · 2 in the last 30 days · latest 9d ago

    user·4123· App Store· 05 Dec 2024original ↗
    “Just a worthless app if you’re using it for submitting time off requests. Completely unusable.”v2.75.0
    2 more reviews
    user·c403· App Store· 18 Aug 2024original ↗
    “It will rob you of hours. If you make one mistake imputing your time it will give you this message. The hours you input overlap previous hours. Even when you delete all information and try again you get the same result. If any employer requires you to use this app for payroll qu…”v2.62.0
    user·1daa· App Store· 9d agooriginal ↗
    “No way to save password, everytine you have to input password. No way to ‘Stay Logged in’. You clock out for your 10 min break, come back in after 9 mins its already logged you out, start from inputting the password, see that piggy stroll for some tine then click on the Time but…”v4.8.0
  9. Cash advance requests repeatedly denied

    3%

    3 people · 0 in the last 30 days · latest 09 Oct 2026

    user·b356· App Store· 09 Oct 2026original ↗
    “Love Gusto, the features of the app are generally easy to use and organized. My only complaint is about the Clair cash advance portion of the app. Despite consistent paydays and always automatically repaying my advances, it constantly has issues and will refuse my advances, and…”v4.5.0
    2 more reviews
    user·179e· App Store· 03 Sept 2026original ↗
    “if it wasnt such a hassle to switch everything over to get my paychecks elsewhere i would not consider using this app. the interface is decent and the app isnt glitchy but the 'advance money' aspect, a core feature they advertise during sign up, only works maybe 30% of the time.…”v4.0.0
    user·aff0· App Store· 18 Sept 2026original ↗
    “They offer services that you cannot use with zero dependability. I pay every single advance on time, and they take away my eligibility after feeding them money.”v4.2.0
  10. No expense reporting on mobile app

    3%

    3 people · 0 in the last 30 days · latest 27 Jan 2025

    user·0297· App Store· 22 Oct 2024original ↗
    “We are using this for Payroll. We can’t enter expenses on the app. Would be great if that can be added. We see it on the desktop version but not on the app. Dev help pls.”v2.69.1
    2 more reviews
    user·85ca· App Store· 27 Jan 2025original ↗
    “The app itself is easy to use. Downsides: Gusto’s business model has them selling some financial products to employees, and these promos take up space in the app. I wish they would use this space to create an expense module instead, as my company tracks reimbursed expenses in Gu…”v2.80.0
    user·5f26· App Store· 01 Oct 2024original ↗
    “Was really excited to try out the expenses feature with my staff but as I’m testing it I realize you can’t log expenses from the mobile app. The app as a whole is sometimes laggy and my staff have complained about the app simply not working and temporarily loosing the ability cl…”v2.68.0

14% of complaints say only that the app is bad, without saying what fails; they count as complaints but under no issue. A review can report more than one issue, so the shares do not add up to 100%.

What each release brought

Complaints per App Store version, newest first, with the issue reported most against it. A new version has had fewer days to collect complaints, so compare what is reported more than how much.

  • v4.8.0No issue reported more than once4 complaints · 27 Oct 2026
  • v4.7.0No issue reported more than once5 complaints · 18 Oct 2026
  • v4.6.1No issue reported more than once3 complaints · 13 Oct 2026
  • v4.4.0Most reported: App crashes repeatedly during use (2)6 complaints · 28 Sept 2026
  • v4.2.0No issue reported more than once5 complaints · 15 Sept 2026
  • v4.1.0No issue reported more than once5 complaints · 09 Sept 2026
  • v4.0.0Most reported: Clock in or out fails completely (2)3 complaints · 03 Sept 2026
  • v3.78.0No issue reported more than once4 complaints · 22 Aug 2026
  • v3.76.0No issue reported more than once3 complaints · 05 Aug 2026
  • v2.81.0No issue reported more than once3 complaints · 30 Jan 2025
  • v2.80.0No issue reported more than once3 complaints · 24 Jan 2025
  • v2.76.0Most reported: Cannot log in to the app (3)4 complaints · 13 Dec 2024

The reviews themselves

40 of 96 complaints: the ones that say what fails first, newest first. Every one links to the review on the store.

  • user·03a2App Storev4.8.09d agoon the store ↗

    Annoying that my (formerly Guideline) 401k no longer syncs

    Happy that Gusto recently acquired Guideline - and all of the retirement portfolio AUM - but you would think the teams behind this integration would have thought through ensuring that Guideline investors had continuity with their 401(k) investments being able to sync with investing platforms before they deprecated Guideline?….

  • user·1daaApp Storev4.8.09d agoon the store ↗

    Would Not Stay Logged In on The App+sick time request keeps zeroing out

    No way to save password, everytine you have to input password. No way to ‘Stay Logged in’. You clock out for your 10 min break, come back in after 9 mins its already logged you out, start from inputting the password, see that piggy stroll for some tine then click on the Time button at the bottom then click on the Break Over thing… please fix this. I want to STAY LOGGED IN THE APP FOR AT LEAST 30 days without having to input the password again. It is important esp when clocking and out for 10 minute mandatory breaks!!!!!!! Your rival ON THE CLOCK keeps users logged in always. Requesting Sick Time Off - Inputting Hours is GLITCHY - Will not take in time keeps zeroing out on mobile app. Fix it Need an option to select and download Multiple Paystubs in Excel Format. Need Password Save option. Need to be able to stay logged in on the App while clocked in the whole time. Stop changing the piggy cartoon every few weeks and invest in what actually is needed.

  • user·7b6eApp Storev4.8.010d agoon the store ↗

    Broken FSA reimbursement

    Gusto has gone on an acquisition spree, with 401k and FSA management both redirecting out to seemingly acquired mobile websites. I tried to submit a claim directly for an FSA reimbursement and the submission form is blocked from being able to select a “Service description”. What good is saving money for medical expenses if you can even submit a claim.

  • user·7149App Storev4.8.013d agoon the store ↗

    Really bad service

    I’ll try to contact support and they never answer and put my money in different accounts with no reason , and for move my money to my account i have to pay! That is ridiculous.

  • user·313aApp Storev4.7.017d agoon the store ↗

    Lost paycheck

    I changed banks and told gusto 5 days in advance, now my money is lost in space, they are very sorry, but I can’t buy groceries with that.

  • user·36f3App Storev4.7.017d agoon the store ↗

    Slow and poorly optimized

    I generally dislike this app. It is extremely slow to load, glitchy, and has very specific requirements for when you can enter your time. Really pisses me off that I can’t enter time in the future, I have to wait until 5:00 on Friday to complete my time card. Genuinely if you fix this one thing I would not feel so negative about Gusto, but right now my review will remain at 1 star.

  • user·f961App Storev4.7.022d agoon the store ↗

    Useless

    You'd think it would be easy to pay a contractor who sent an invoice. Friends, it is not. Gusto's own chat bot has an outdated concept of how to do this, and after many wasted minutes, we still could not figure out how to tie a payment with a specific invoice upload. Garbage "payroll service."

  • user·0310App Storev4.6.124d agoon the store ↗

    Poor 401k features

    They took over and killed Guideline and directly integrated 401k in their app with only basic functionality.

  • user·43bcApp Storev4.6.126d agoon the store ↗

    Does not work!

    Upcoming payment preview does not work!

  • user·a931App Storev4.6.127d agoon the store ↗

    App continues to suck.

    Second review in a year, several updates later, gusto continues to just suck, for a company I have to rely on literally to make a living, I loathe having yo tap the icon on my screen. “Will it load?” Who knows?, will it log my clock in? Anyone’s guess. 3x a day I get to wonder how long I’ll watch a stupid pig bounce around on my screen so I can take a break, or clock back in from a break. You guys suck. Stop focusing on stupid animations and graphics and just make the system work. It’s a testimonial to how absolutely disconnected a company is from its customers.

  • user·4263App Storev4.6.027d agoon the store ↗

    App Speed

    Application loads super slow

  • user·b356App Storev4.5.009 Oct 2026on the store ↗

    Gusto is Great - Clair Sucks.

    Love Gusto, the features of the app are generally easy to use and organized. My only complaint is about the Clair cash advance portion of the app. Despite consistent paydays and always automatically repaying my advances, it constantly has issues and will refuse my advances, and they claim they can’t do anything about it. Even after contacting Clair customer support and the accounting department at my job multiple times, nothing has changed… it will work fine for two weeks or so and then start denying my requests despite nothing changing on my end. Super frustrating.

  • user·b63fApp Storev4.4.002 Oct 2026on the store ↗

    SUCKS

    Always crashes, can never access my funds due to this. Always updating things late and a lot of crashes

  • user·b38eApp Storev4.4.002 Oct 2026on the store ↗

    Transfers to non gusto ridiculous

    Fees are outrageous

  • user·f08dApp Storev4.4.001 Oct 2026on the store ↗

    Works sometimes, but slow

    Basic stuff works ok usually. This app loads to start and especially between pages waaay too long. It is also very clunky with editing hours, and the layout could be clearer- eg. give me one place to go for this week with logged hours, upcoming, and ability to quickly edit past shifts. Also way too many taps (with long loads between pages) to get to team schedule.

  • user·d594App Storev4.4.030 Sept 2026on the store ↗

    Don’t update the app

    The new layout makes the app slower and harder to use. It also lost the fun color palette and drawings turning to a more AI cheap look and feel. Don’t update, I wish I hadn’t. The “update” really is a downgrade in experience

  • user·c731App Storev4.4.028 Sept 2026on the store ↗

    Garbage Time Tracking App

    App crashes multiple times a day. Sometimes does not even allow to log back in.

  • user·86e6App Storev4.4.028 Sept 2026on the store ↗

    Not able to log into my account

    I use this app because my employer pays through it. I have been trying all day to log in. I had to go to the App Store to update after it kept failing to log me in.. now the app is updated and won’t let me log in at all..

  • user·26b7App Storev4.3.025 Sept 2026on the store ↗

    Garbage

    Imagine the morning you’re supposed to receive your direct deposit you instead wake up to “you’ll be receiving a paper check for this check” so you have to wait until the following Monday or Tuesday just for you to NEVER receive the physical check. Now imagine that for your last 6 checks. This app is absolutely trash in every way.

  • user·e1dcApp Storev3.58.021 Sept 2026on the store ↗

    Horrible

    This app used to be accessible until they required your phone to be iOS 17 and up. What is with useless additions to updates which lock older customers out of usage. This is stupid. This application sucks, the people who run it suck. And they don’t care about you. I’m tired of corporations. This one too. Y’all suck. Just because my phone is old, doesn’t mean I shouldn’t be able to access my payroll. Your company is gutter water.

  • user·259eApp Storev4.2.020 Sept 2026on the store ↗

    Trash

    No dark mode in-app, no dark icon for iOS dark mode, no way to change current 401k contributions in-app. This company is a joke.

  • user·aff0App Storev4.2.018 Sept 2026on the store ↗

    Functionality

    They offer services that you cannot use with zero dependability. I pay every single advance on time, and they take away my eligibility after feeding them money.

  • user·d94aApp Storev4.2.018 Sept 2026on the store ↗

    Scam.

    I would have thought it was illegal to require someone to open a bank account to receive their paycheck, but I guess not.

  • user·1daaApp Storev4.2.015 Sept 2026on the store ↗

    Would Not Stay Logged In on The App+sick time request keeps zeroing out

    No way to save password, everytine you have to input password. No way to ‘Stay Logged in’. You clock out for your 10 min break, come back in after 9 mins its already logged you out, start from inputting the password, see that piggy stroll for some tine then click on the Time button at the bottom then click on the Break Over thing… please fix this. I want to STAY LOGGED IN THE APP FOR AT LEAST 30 days without having to input the password again. It is important esp when clocking and out for 10 minute mandatory breaks!!!!!!! Your rival ON THE CLOCK keeps users logged in always. Requesting Sick Time Off - Inputting Hours is GLITCHY - Will not take in time keeps zeroing out on mobile app. Fix it

  • user·d498App Storev4.1.013 Sept 2026on the store ↗

    Awful.

    They are now simply refusing to talk to me regarding a very concerning lie that an employee told me. I now don’t even feel comfortable with them having any of my information. I even tried to have my account closed down completely which they claim they can’t do.

  • user·9bd9App Storev4.1.012 Sept 2026on the store ↗

    Won’t let me spend from Gusto Debit Card on gas

    Extremely irritating. Initially I was able to use the card to fill up on gas, but ever since some recent update, every time I try to pump gas, it’ll only use up $1, but the authorization recognizes the full amount. So for example, if you wanted to spend $40 to pump gas, the card will authorize $40, but it’ll only pump $1 - what happens to the other $39? Welp, you just have to wait 2-3 business days for Gusto to recognize you didn’t spend the rest of that, but essentially you have no money from your Gusto Debit Card to work with for a few days. I don’t know what idiotic dev decided to have it work like this. And to be clear, this has happened 3 times now at 3 different gas stations (Speedway Express, Arco, Platinum Gas) so you can’t even tell me it’s because of those gas stations. Ironically, it’ll work fine if I just use it for DoorDash, which I rarely ever use in the first place. Long-story short, the Gusto Debit Card is absolutely useless and now just dead weight. Literally 0 reason to put any of your paycheck on it.

  • user·1bf1App Storev4.1.012 Sept 2026on the store ↗

    Awful Employer Experience

    Useful functions are buried behind trivial functionality “see more options.” There is no way to copy and paste useful employee information. They are constantly pushing upsells to my employees with no apparent way to opt out of predatory marketing.

  • user·c05fApp Storev4.1.009 Sept 2026on the store ↗

    Too buggy for my family’s health to depend on.

    Silently removed my daughter from health insurance, then refused to reinstate her because I didn’t catch their error fast enough.

  • user·3ffcApp Storev4.0.003 Sept 2026on the store ↗

    New update has glitched how you clock in through the app

    I don’t know why you companies keep trying to push out useless updates that break the app entirely. Oh cool, the pig is animated now but unfortunately I cannot clock into work so what’s the point. Fix your app

  • user·c72aApp Storev4.0.003 Sept 2026on the store ↗

    Fix your garbage app

    Half the time I can’t clock in, this app always has problems

  • user·179eApp Storev4.0.003 Sept 2026on the store ↗

    advance money denials

    if it wasnt such a hassle to switch everything over to get my paychecks elsewhere i would not consider using this app. the interface is decent and the app isnt glitchy but the 'advance money' aspect, a core feature they advertise during sign up, only works maybe 30% of the time. they deny you for everything and there's zero way to appeal it. i haven't even bothered to try to talk to customer service because it would be no use as the automated system cant be turned over. they will let you advance, repay it every single time on time (if not early), and then proceed to deny you the same day you get paid over 'inconsistent paychecks' which could mean your paycheck varied by a whopping... $100. so if you repay the loan, miss a day of work or have something happen to you that puts you out a few days of pay, they'll still take part (or most) of your check and then deny you to access any money from your next check which completely screws you over for the next two weeks. it's actually one of the worst working systems i have ever witnessed.

  • user·2117App Storev3.78.030 Aug 2026on the store ↗

    very buggy

    i clocked out and had the confirmation for it than got an email saying i was clocked in for over 24 hours

  • user·4ee5App Storev3.78.027 Aug 2026on the store ↗

    Baffling

    Highly do not recommend. Unless you sign up for one of their credit cards or something weird like that they don’t pay you on time. I should be able to get the money I worked for on time, and the worst part is it actually cost them nothing to pay me on time they just choose to not pay me on time because I won’t get there credit card. so from an employee perspective this is a very low quality app. They gatekeep this feature, that is the point of the app. Pay me! lol. Nobody wants to do their job now a days lol.

  • user·9554App Storev3.78.022 Aug 2026on the store ↗

    Gusto Sucks!

    Can’t get all of my money out of here. Charging a fee to transfer my money is unacceptable. I got tricked into using this banking app in the first place and I’m glad I never had to rely on it. Gusto Sucks!!!

  • user·703fApp Storev3.77.012 Aug 2026on the store ↗

    Fuk gusto

    They literally lied to me and said it was connected to chime

  • user·ea0eApp Storev3.76.009 Aug 2026on the store ↗

    Omg the spam they send me

    Why am I still getting hit up twice a day by these guys? Stop trying to sell me payday loans, it’s a bad look.

  • user·7ba6App Storev3.76.006 Aug 2026on the store ↗

    Why are Social Security and Medicare lump together?

    I grow weary of having to keep tapping and drilling down to get to the information I need. When I look at the initial splash screen in pay history for a paycheck, it shows me the federal taxes paid, but then it lumps Social Security and Medicare together. I track those separately-if I want to see the individual amounts of each, I have to click again to get to the actual paystub. I really wish it would break these into separate categories on the initial view.

  • user·b3eeApp Storev3.76.005 Aug 2026on the store ↗

    Difficult system

    Gotta pay to get your money out even when they’re at fault with the systems set up. I answered the fraud text and card wouldn’t work so I had to pay more money to use my money smh 🤦‍♂️

  • user·3f89App Storev2.81.001 Feb 2025on the store ↗

    Raising prices all the time + buggy service

    Gusto is the only company who’s rising prices faster than Netflix! Started at $29, now $55 for the same thing. The service have many bugs that they don’t fix. The service was better before.

  • user·3b14App Storev2.81.030 Jan 2025on the store ↗

    Delayed pay

    I would give this app 5 stars if I could get paid midnight on payday like I have with every other job. It is very frustrating since I get bills taken out on payday, but when it hasn’t hit my account yet I get a charged an overdraft fee from my bank for not having sufficient funds. This could all be avoided if we get paid when we’re supposed to. I have never had it where I get paid in the afternoon in my life

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Questions about Gusto Mobile

What do users complain about in Gusto Mobile?
The specific problems reported most, counted by people: Direct deposit paychecks arrive late (16 people, 17%); Cannot log in to the app (13 people, 14%); App and page loads extremely slow (10 people, 11%); Clock in or out fails completely (9 people, 9%); App crashes repeatedly during use (6 people, 6%). 14% of complaints say only that the app is bad, without saying what fails.
How many people complain about Gusto Mobile?
96 reviews rated 3 stars or below from 95 people on App Store, written between 13 Jun 2024 and 31 Oct 2026; 13 people in the last 30 days. The reviews themselves, each linked to the store, are listed on this page.
What do people report about the latest Gusto Mobile update?
Version 4.8.0 (first reviewed 27 Oct 2026) has 4 complaints on the App Store; the issue reported most against it is fees charged to transfer out funds (1 people). Google Play reviews carry no version.
Is this Gusto Mobile's store rating?
No. Only reviews rated 3 stars or below are collected, so these numbers describe complaints and cannot be read as the app's App Store or Google Play score.

Other Payroll & HR apps people complain about

Same vertical, same star-rating rule.