Bilt Technologies, Inc. Opiniões 

While the concept of earning rewards on rent payments is appealing, the execution falls far short due to abysmal customer service.
The Good: The convenience of paying rent and collecting points is nice in theory.
The Bad: Point accumulation is extremely minimal, so don't expect significant rewards.
The Unacceptable: Customer service is an absolute disaster. Getting help is nearly impossible:

No direct phone line to reach a live agent for regular account issues
You're forced to use chat support with wait times of 30+ minutes
Even when delinquent accounts get a phone number, the representatives are unhelpful and redirect you back to chat anyway
They have no problem creating issues but provide no reasonable way to resolve them

My Experience: We were enrolled in automatic payments, which somehow got changed without our knowledge or consent. This resulted in our account becoming delinquent. When we tried to resolve it, we hit wall after wall trying to reach someone who could actually help. The frustration of spending hours trying to fix their mistake while being passed between useless channels is unacceptable.
Bottom Line: Unless you're willing to gamble with nonexistent customer support when issues arise, look elsewhere. The minimal rewards aren't worth the headache.

I am forced to pay my rent through BILT. While I have no problems (I pay via bank transfer), this company is just another debt trap. Do not use it literally just a scam. Don’t fall for the advertising you will end up paying more for rent and anything else you use them for.

Awful. Incomprehensible website- can't find my payment history. They missed paying last months rent, despite having autopay set up. When I called Wells Fargo customer service they said a half hour wait time. When I asked Bilts online robot helper, it said 30 minute wait time!
The "rewards" are on par with groupon and it would require full time study to see what was 'on sale' , for how many points, on what days. Who does that?
Here is a snippet of my useless chat with their online agent:
How can a website be designed so poorly, in 2025, so that I cant figure out where to find statement of payments made. And once found, in a totally non intuitive spot, months are missing?
I need to know if my December rent weas paid. now.
Agent avatar
Thank you for your patience. After reviewing your account, we can see that the payment made on Dec 1, 2025, failed due to insufficient available credit in your Bilt Mastercard at the time your rent payment was processed. You'll want to make any corrections and resubmit your rent payment if you have not already.

If anything else is needed, just let me know!

There were no notifications that my balance was low, with an upcoming payment needed?
Bilts response:In this case, since Wells Fargo is your card issuer, Wells Fargo is going to be the best resource here—they're the only ones who can access that information and provide the help you need. You can reach them at 833-404-2272.

To skip the automated system and speak directly with someone, press 0 twice when you call—this should get you to an agent faster.

We know it's frustrating to be redirected, but they'll be able to get you the answers you're looking for. We're going to escalate to our Wells Fargo contacts on our end as well; however, we recommend you reach out to them again directly. If you run into any trouble or have questions after speaking with them, please don't hesitate to reach back out. We're here to support you however we can.

I used their platform to pay my rent on the first and selected a bank account (not a debit card) as the payment account. The following day I got this message:

We could not process your rent payment of $1,498.38 because your card was either unlinked or it has expired. Please update your card details in your Bilt account and resubmit your payment to ensure it's processed on time.

Need help? Start a secure Apple Messages chat with our support team here [link]

1. I used a linked checking acct, not a card
2. The only way to chat with support is iMessage which is ridiculous bc not everyone uses Apple devices. I don't use iMessage.
3. I updated payment info again, but they dont even automatically retry the payment. I had to wait until the transaction was rejected by the payment portal.
4. I ended up with not only a returned check charge from my apartment, but also a late fee. All together, I lost nearly $200 in fees trying to use this service.

I've used the platform successfully in the past so there was no reason for any of this. I'm telling whoever will listen that Bilt is unreliable and can leave you to shoulder the fees when THEIR tool doesn't work.

Total scam. Just random “point” values given with little to no value. It’s actually more of an inconvenience than a bonus. Wish I could just go back to paying rent in my building portal.

I followed their directions to authorize a rent payment and I used the account and routing numbers they provided me. However, the payment bounced when my payment portal tried to process it. Now I am stuck with a $75 fee and I can no longer make rent payments online so I have to get cashier's checks instead. The rewards are not worth the risk. I cancelled my card immediately.

I had used Bilt to pay rent automatically for over a year. Without warning, Bilt changed its payment system and required users to re-enter banking info. I followed the instructions exactly, but they failed to mention a new authorization step. My rent payment didn’t go through, and I was charged late fees — plus now my landlord no longer trusts electronic payments and make me pay with cashier's check or money order... which goes against the whole point of convenience.

Bilt's customer support was automated and unhelpful. Even after providing proof, they refused to reimburse the penalty. This issue was caused by Bilt’s system failure and lack of clear disclosure, not user error.

If you rely on Bilt for rent payments, beware: a silent system update could make you “late” through no fault of your own. I’ve filed with the CFPB and BBB to hold them accountable.

Despite it's many faults, bilt was valuable to me.

Once set up, paying rent and getting rewards for it was a huge positive. I would spend small amounts 5x a month on the card, which let me earn $20 on Amazon each time rent was due. To be clear, Amazon points have the best value to liquidity ratio of the rewards program. Using points for hotels or air travel is more dollar per point, but requires you to be in a position where you can afford time off, etc, in order to leverage it.

Then when I was ready to buy a house, I went through bilts program: if you contract someone from their partner reality company, you will get money back on the price of your house. Again, using these on Amazon, I got an extra $2000 to play with. I shopped around for realtors and theirs was without a doubt the best I could find in my area at that time, so it cost me nothing to get an extra $2k.

It takes some thought to get much out of bilt, but for me, it was worth probably $3k AND an improved credit score.

The app is buggy. The new payment method is messy and not user friendly. The bilt collection (a shop where you can spend points on terribly curated merchandise) is a hilarious waste of time. But the core features worked and generated measurable value with very little overall effort.

However, if they remove Amazon rewards or reduce it significantly, most of its value would vanish for most people, imo.

I think they are intentionlly making it hard to read charges. It now pops up in a tiny window and you can only see some of the charges at a time so it is hard to make sure that the charges are correct. on the app if you click so show more for the charges it doesnt even work so you have to do it on the website. You cant look back at past charges just past payment amounts but i cant compare previous charges. This is really stupid

I’d give a 0 star if that’s an option.

I booked my travel through Bilt using my point. I had to cancel my travel bc my son was sick. It was nightmare to cancel the booking through Bilt, and I could not obtain official receipt showing the cancellation (which is required for insurance reimbursement).

I am so pissed at Bilt now. I am just going to never use it again.

Worst customer service I have ever seen. My rent $ changed so I had to change in the app and two rent checks were sent. I stooped the old one and now the new monthly one was not sent. It took a half hour through ai to get a person who has no idea what to do. I have been on chat for 45 min and he can’t give he instructions on how to fix this. They are too cheap to have a real phone number to call and have things fixed in minutes but they rely on foreigners to try to answer questions. I would never recommend bilt

App crashes. App is slow, clunky. AI customer service, which of course doesn't work. Good luck getting a human to help you make sure your rent goes through on time!

Sh*te customer support, sh*te portal, all against my will because of my landlord, won't even take my bloody card without saying i have insufficient funds when I do not, and believe me I checked. Their customer support takes forever to do ANYTHING in response to a message, and their subreddit is full of stuck up yanks who think they're better than everyone else and make fun of people for their payments failing due to glitches and insult people's intelligence for not liking the payment system. Not once did I post a problem of my own, but i did report a few people and call them rude. Reddit should close their sub as unmoderated. ANYWAY! It's tiktok brainrot the payment portal AND it doesn't even make your payments. I am old, I do not want this. I am already dealing with my landlord treating me like absolute crap and being upset my apartment doesnt have the white glove treatment when he inspected it to add another roommate that I did not even want. So a snobby brainrot payment portal where nobody helps you? Spew! Get me out of here. I'll be paying via check!

Also yes. I never recieved any help for their customer support just "please wait" for 10 minutes over and over from their customer rep. Tell me, is it all AI? I blame that brat Elon Musk. South African tycoon nepo baby ruined society.

This will be an interim report as I've only just established a Bilt account.

As a preface, I am not in any way interested in so-called "rewards," more credit cards, etc., and would just like to pay my rent as I've enjoyed with Zego.

So my initial account setup with Bilt went all right, a plus, except for unwanted email ads; there is an unsubscribe option but they do not specify what all you would be unsubbing from -- only the ads, or important messages?, a double minus.

I then went to pay rent, and the correct amount was showing, a plus.

I needed to set up banking and at that point, instead of simply putting in my routing number as with Zego, a list of banks appeared putting me in panic mode, as my bank was not listed ... however, fortunately, kept clicking and at last found my bank. A minus here ... why are you limiting renters to a list of selected banks instead of simply accepting a bank's routing number, as Zego and other rent-pay companies do?

Another company, Plaid, was involved in the need to link my bank to Bilt; and the disclaimer was scary ... I had to give blanket authorization to view details of my bank account that they chose to, at least that's how it sounded, and that is a huge minus.

Having set up banking I then hit the pay button and received confirmation screen and email, a plus. But unfortunately I added more money than I owe. Less than 2 hours after this, I attempted to correct the amount but got screen saying there was no option for that. A minus ... why shouldn't there be a few hours window to edit the amount, as long as the edited amount is at least as much as the rent owed?

I was able to opt out of Bilt's default renting/selling my personal information to unaffiliated companies, on the privacy page, there was a button for that. A plus here.

I'll wait to see how long Bilt takes to show my landlord the payment is processed. I'll also see how easy or hard it is to find out how I can opt out of ads while still subscribing to important information.

So far, I think the pluses and minuses are about equal and therefore am giving a tentative rating of 3.

Will update this later on.

BILT is fraught with billing mistakes, double charges, and has horrible customer service when you try to fix the issues. They will not provide transparent ledgers and you have to take them to court.

I’ve been charged twice and booked same hotel room twice on the same day somehow. The customer service is MIA, AI chat bot doesn’t know how to cancel hotel reservations. I’ve been sent back and forth to BILT then Wells Fargo then Mastercard and none of those worked. Incredibly frustrating and time consuming. Will not recommend bothering using their services.

horrible customer experience
need to go to wells fargo for help with half the features, bilt doesnt have customer service for the other portions.
known fraud issues.

Zero stars-you can't get a person, and the BOT gives the same response over and over. They stated I could speak with a representative in 5 minutes or less- I waited over an hour. Also even though we were paying rent through BILT for over 18 mos we earned zero points! They should be forced to shut down.

I'd give a 0 if possible. They have no phone customer service, and their online chatbot gives the same unhelpful response over and over and over. Companies like this one should be forced out of business!!!

I've got to keep it real because I see the bad reviews but I really want my rent on my credit report. I just used it with my Discover card and it was a flawless experience. It sent me the deposit amount to verify bank and my rent portal accepted it with no problem. I pushed a few more keys and rent paid, receipt from rental property emailed instantly. I initiated the verification process on the previous day and it took a minute with RENTCAFE. Maybe it's the card or your portal but Discover and Bilt along with RENTCAFE portal went seamlessly...hope this helps