empower-retirement.com Reviews 410

TrustScore 1 out of 5

1.2

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Review summary

Based on reviews, created with AI

Most reviewers were let down by their experience overall. Many people were dissatisfied with the customer service, finding it unhelpful, difficult to reach a real person, and often encountering representatives who provided incorrect information or were rude. Customers also frequently report problems with payment processes, including difficulties withdrawing funds, unexpected fees, and issues with account transfers. The overall service is often described as poor, with many experiencing long wait times and a lack of follow-up on requests. Some people were satisfied with specific interactions, highlighting individual staff members for being sweet, professional, and helpful. However, the dominant sentiment indicates significant frustration with the company's communication, the knowledge of their staff, and the overall difficulty in managing their accounts.

What people talk about most

Customer service

Reviewers express widespread dissatisfaction with customer service. Many consumers report long wait times,... See more

Payment

Clients share negative opinions on payment, with many reporting unauthorized deductions and difficulties... See more

Service

Customers consistently note negative experiences with service. Reviewers frequently describe the service as... See more

Customer communications

Users describe negative interactions with contact. Many customers report significant difficulties reaching... See more

Staff

Customers consistently express dissatisfaction with staff interactions. Many reviewers report that... See more

Based on these reviews

Rated 1 out of 5 stars

My retirement account was running smoothly under Prudential then Empower too over and everything went backwards. I haven't been able to get a single document sent by email or fax. Just delays and va... See more

Rated 1 out of 5 stars

My father passed he was receiving retirement pension payouts where he worked years ago - Empower is the administrator. I contacted Empower 5 weeks ago reported his death and was told paperwork on the... See more

Rated 1 out of 5 stars

Filled out paper work for withdrawal request back in February. I have called 3 times and each time I was informed that I left something blank. Mind you the customer representative helped all three ti... See more

Rated 1 out of 5 stars

Empower is a criminally run retirement scam . Unfortunately for me Nassau County is part of that scam so my money must stay. They make it entirely impossible to make a withdrawal, they change major a... See more

Rated 1 out of 5 stars

This company doesn't even deserve 1-star. Opted into my previous company's 401K plan through this company and haven't been employed there for years. They make it extremely difficult to withdra... See more

Rated 1 out of 5 stars

This is by far the worse retirement company out there. As an employee that left his current employer. Poor customer service, long wait times, over charge you. The company puts a $75 fee on top of what... See more

Rated 1 out of 5 stars

This company customer service is horrible. They are not trained give the wrong information and can’t execute instructions documented on their forms. Don’t risk your investments with Empower they are n... See more

Rated 2 out of 5 stars

Just recently signed up and transferred over $230,00 into an IRA, can you believe they invested 95% of my cash into the market at its all time high up 2% at the end of the day on a Friday. Let’s just... See more

Rated 1 out of 5 stars

horrible, uneducated support team that doesn't know how to answer your question and even put me on hold several times, and again at the end, so that I couldn't leave a review via their phone system. $... See more

Rated 1 out of 5 stars

This joke called EMPOWER Holds YOUR money hostage!!!! I was adamant about how the rollover check was to be made out 7 times. Yes 7 times. It is wrong. IF THEY EMPLOYED UNITED STATES, ENGLISH SPEAKING... See more

Rated 5 out of 5 stars

I had the pleasure of speaking with Kristie Aylor today, and I just have to say how impressed I am. She is incredibly sweet, professional, and has such a warm personality that makes every conversa... See more

Rated 1 out of 5 stars

Employer changed to Empower right when I was able to contribute, then I was laid off under new CEO restructure. I hadn't contributed much in my 6 months, and had not found another job for rollover wit... See more

Rated 1 out of 5 stars

Worst customer service ever since Empower took over Great Western If you can even get through to a live person after hours on hold, they give you the wrong information, put you on hold for long period... See more

Rated 1 out of 5 stars

Horrible customer service/claims. My husband has been given the run around so much with this company. My mother in law passed in June of this year, he contacted them to start process to pay out her re... See more

Rated 2 out of 5 stars

There is something definitely wrong in this company. Rude customer service, employees with troublesome training in my opinion. No choice but to continue here until l find a better option. Wouldn't re... See more

Rated 1 out of 5 stars

Completely trash company, terrible customer service, someone hung up on me. Tried to get a couple thousand out for medical expenses, and they made me revise the document 4 different times, get it nota... See more

Rated 1 out of 5 stars

I had an account which had 89.01 which I requested to cash out of due to career changes. Empower sent me a check for 14 dollars and change and kept 75 dollars for themselves. I would advise everyone t... See more

Rated 1 out of 5 stars

I was misinformed by empoweredpensions about something they required, which meant months of delays and countless calls and emails with HMRC , then when I wanted a refund for a documents we hadn’t co... See more

Rated 1 out of 5 stars

I would give negative stars if I could despite what web searches will tell you. you cannot log in without getting the app on your mobile device. all of the login options loop you through pages demandi... See more

Rated 2 out of 5 stars

I have tried accessing my account for the past week. Contacted Customer service and the other line was so loud and had so much background noise I couldn’t hear anything the representative was saying t... See more

Rated 3 out of 5 stars

It’s one thing and then it’s another, I struggled with them. No stable, I’m always checking on the safety of my funds,why should that be while I can get peace of mind. If customer service had a datin... See more

Rated 1 out of 5 stars

I have made a number of withdrawals from my 401k. I am still working at age 67 so I am well within my rights to withdraw money from the account. It used to be somewhat annoying to get the Plan Adminis... See more

Rated 1 out of 5 stars

I created an account and linked all my accounts- a significant amount. The next time I tried to use it, I couldn't log in. I reset my password, but every time I re-enter it, I'm back into the 'forgo... See more

Rated 1 out of 5 stars

it's hard to believe i trusted them with retirement funds. When something goes wrong, there is no real help just long waits and vague replies. METIS URGE, has been a completely different experience... See more

Rated 1 out of 5 stars

It takes 40 minutes for someone to answer the phone, you can’t understand them, they will reject your hardship documentation without giving a specific reason so you have to call. The phone hangs up on... See more

Rated 2 out of 5 stars

The advisor service is awful. Their is no point in even talking to a person, might as well just be AI bots. They do not listen or hear your individual concerns or goals, just repeat mantras.

Rated 1 out of 5 stars

I am a HR director, and I would never recommend Empower to any of my colleagues.Due to systemic technical issues, I could not access my retirement account from a previous employerfor four months. Ev... See more

Rated 1 out of 5 stars

Horrible. After 4 calls, repeating my address fifty time, I get this guy who suggests the easiest way is to start over. If you want the run around and like being told you are imagining having talked... See more

Rated 1 out of 5 stars

My wife has her Advocate Health Care 401k account and the experience has been a nightmare. There was a transition made to a new set of mutual funds at the start of the year. Each of the previously... See more

Rated 1 out of 5 stars

Used to be a great company. Unfortunately, ever since they rolled out the app nothing works. You can't get in touch with a representative, waiting on hold eventually hangs up with you, they don't fo... See more

Rated 2 out of 5 stars

My former employer used Empower for our 457(b) deferred compensation. The plan offered good investments options and even guided portfolio services. The issues began when I retired. I tried to ma... See more

Rated 1 out of 5 stars

This 401 K is the absolute worst. You can't leave your money in the account if it's less the 7,000.00 They will automatically disperse it to you. Charge you 190.00. They steal your money and it's an a... See more

Rated 1 out of 5 stars

This service is incredibly sketchy. They offer no way to delete linked accounts and the process to delete your master account isn't at all straightforward. There are better, safer options out there. S... See more

Rated 1 out of 5 stars

Empower is a criminally negligent organization. I had taken a loan that I paid off early. However, they have withdrawn more than I owe (about $250) which resulted in insufficient fund charge by my ba... See more

Rated 1 out of 5 stars

empower website and customer service is a joke. This is not a financial company. Their website shows wrong rate of return and doesn't allow the user any flexibility to see the data except in one way.... See more

Rated 1 out of 5 stars

I have never been able to log onto the website. When I put in my credentials it just takes me on a loop trying to reset my password. When I called customer service 3 years ago to change my address tha... See more

Rated 1 out of 5 stars

You would think if someone was submitting a “Hardship Withdrawal” the request would be fulfilled with some sense of urgency. But no. The follow up is completely unprofessional, the required teams... See more

Rated 1 out of 5 stars

Horrible customer service. Received a letter on Aug 11 stating that I needed to make changes by July 20. Tried to log into the system to make changes and received and error that it could not be proc... See more

Rated 1 out of 5 stars

If I could give a zero for this company I would. But it was not an option. The customer service was horrible. Every time I call to ask anything about my retirement they say their system is down. O... See more

Rated 1 out of 5 stars

Empower retirement is the worst ever!!!!! All representatives are rude, they get annoyed when you (as the customer ask questions. They choose not explain things in laymen terms for understanding. One... See more

Rated 1 out of 5 stars

I have struggled for almost a week now to transfer money from one of my Empower IRAs to another. It hasn’t happened yet despite initiating my efforts more than a week ago. Some have suggested a concer... See more

Rated 1 out of 5 stars

I have an IRA account with Empower-retirement that originated with Hartford Insurance. I was checking on the safety of the funds and also on the stable value account I have that has always had a 4% ra... See more

Rated 1 out of 5 stars

Terrible experinece trying to transfer an IRA out this orignization. They were happy to take my 401k transfer, but are not able to do an transfer of the assets in my IRA to Fidelity. The suggestion wa... See more

Rated 1 out of 5 stars

Have been trying for a hardship withdrawal. They claim they did not receive paperwork even though it was sent proof of mailing. Then you upload it through their system and they still don’t process i... See more

Rated 1 out of 5 stars

This is absolutely the WORST retirement company. If I could give ZERO stars, I would. They reported me as being in daufault on a personal loan that I withdrew from MY retirement account. They report... See more

Rated 1 out of 5 stars

I asked to speak with a supervisor when I called around 645p. The US rep her name was Tamika and she would not transfer my call to her supervisor because it.s close to closing time. Spent time request... See more

Rated 1 out of 5 stars

Their service sucks They don’t even help getting statements for tax purposes. Their support toll free is off shore and is with folks that don’t even know the time in the US, don’t have the und... See more

Rated 1 out of 5 stars

DON'T USE THEM!! Both of my parents HAD MONEY THEY WERE TRYING TO MOVE (I say had because I have been trying to get their money moved, they have a lack of customer service and the fact that... See more

Rated 1 out of 5 stars

My retirement account with Prudential was purchased by Empower and sent to the Stone Age. I can no longer print the documents off for myself and no one at Empower seems to have access to email or a... See more


1.2

Bad

TrustScore 1 out of 5

410 reviews

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Rated 1 out of 5 stars

I put this money away for 30 years they were supposed to send it to me and marks in 2026 it's April I called her today they said they don't know where my money is so that makes him criminals since the

I'm only writing this is you because the people discovered there are going to be charged with robbery since I never got my money and they were supposed to send it to me I never received it and I do have an attorney that's working on the charges that will be filed against them this company should go to jail for what they did

13 April 2026
Unprompted review
Rated 1 out of 5 stars

I would give them zero stars if it let…

I would give them zero stars if it let me. I have been trying to withdraw my funds and move it to another company and they refuse to release it. I am consolidating and have transferred from other companies in one day. It has been since February with this company and they keep saying they need something else. The company that is going to receive the funds is dumbfounded. They say they have never encountered this. Can you believe that they will not release my money? Unless, you want the same situation, I highly recommend that you not use this company. And if you do, good luck being able to withdraw it.

14 April 2026
Unprompted review
Rated 1 out of 5 stars

Empowerment Retirment Savings is the…

Empowerment Retirment Savings is the worst retirement fund. I was attempting to add an Employer sponsored Roth IRA plan to my Pre-Tax plan. Not only did they misguided me to open a new Roth IRA separate from my Employer Retirement plan, I was transferred 10 times, called 5x to attempt creating the Roth account, and correct their error in closing my pre- taxed account. Worst off, they tell me i have to wait 3 months to place back my pre tax account.

13 April 2026
Unprompted review
Rated 1 out of 5 stars

Withdrawal from spouse retirement.

Filled out paper work for withdrawal request back in February. I have called 3 times and each time I was informed that I left something blank.
Mind you the customer representative helped all three times with the paperwork.

10 April 2026
Unprompted review
Rated 1 out of 5 stars

Rip off!

Initially, money was deducted from my pay without my authorization. I wanted to retrieve the money. Empower charged me all that I had paid into the account as a fee to withdraw the money.

9 April 2026
Unprompted review
Rated 1 out of 5 stars

Horrible company

Horrible company. I haven't had access to their app or website for 7 days now. I'm just trying to get an Account statement from them. I called and they put me on hold for an hour to just tell them they wouldn't email me the statement.
(Mind you, I'm a former employee and have specifically sent emails with statements to clients)

6 April 2026
Unprompted review
Rated 1 out of 5 stars

Empower is holding my money hostage

Empower is holding my money hostage. This is a piss poor retirement company with the most suspicious customer service on the planet. I was told I have to wait 5-weeks for withdrawal even though I just had surgery and require my funds to live. Empower was informed and does not care. Customer service reps sound disconnected like robots. Run! They are going to make you jump through hoops for your money.

18 March 2026
Unprompted review
Rated 1 out of 5 stars

If I could give them a 0 star I would

If I could give them a 0 star I would. The customer service team is only trained to inform you of what they see on a screen. I complained to a supervisor (Michelle) and she (very nasty) informed me that Empower cannot afford to make outbound calls to follow-up on a customer service request. Ridiculous.

2 April 2026
Unprompted review
Rated 1 out of 5 stars

Empower mailed bad checks and lied to investigators

Empower mailed me bad $70,000 checks that bounced inside my IRA after I requested rollover.

Empower then claimed that they mailed $70,000 checks despite failed verification - and then told financial regulators they don't know who they mailed $70,000 to.

The US Department of Labor had to get involved. Empower provided false information and fabricated timeline to FINRA and SEC.

30 March 2026
Unprompted review
Rated 1 out of 5 stars

If you need access to your funds

If you need access to your funds, plan that weeks in advance. My account was previously with Fidelity and I never had issues. This company charges fees, and has 100 excuses why your withdraw will take weeks. Each time a due date is met there is another reason for delays.

31 March 2026
Unprompted review
Rated 1 out of 5 stars

Death Claim Process

My father passed he was receiving retirement pension payouts where he worked years ago - Empower is the administrator. I contacted Empower 5 weeks ago reported his death and was told paperwork on the way (3-4 days). Never received it. Instead, I printed off documents off their website and sent certified mail all the information to process the death claim with a note of what I need to file probate. I waited 2.5 weeks called back spoke to same person- he told me he will resend out paperwork take another 10 days. I don't know why - I sent everything in the mail. Meanwhile, I needed to know beneficiary on the account to fill out probate. No response. Five weeks no progress waste of time.

30 March 2026
Unprompted review
Rated 1 out of 5 stars

This joke called EMPOWER Holds YOUR…

This joke called EMPOWER Holds YOUR money hostage!!!! I was adamant about how the rollover check was to be made out 7 times. Yes 7 times. It is wrong. IF THEY EMPLOYED UNITED STATES, ENGLISH SPEAKING CITIZENS, Their is a STRONG CHANCE IT WOULD HAVE BEEN CORRECT!!!!!!!!!!!!! PUT YOUR MONEY IN A MATTRESS AND AVOID THIS SCAM COMPANY AT ALL COSTS!!! THEY DEMAND A FEDERAL GOVERNMENT INVESTIGATION INTO ILLEGAL BUSINESS PRACTICES. The Attorney General is the next move. Trust me, you'll believe me when it's too late for you.

28 March 2026
Unprompted review
Rated 1 out of 5 stars

My mortgage was sold so the previous…

My mortgage was sold so the previous account isn't updating, and I'm not able to remove it because it shows up as "delayed". It's been like this for 90 days. Now my net worth is all screwed up because the mortgage is listed twice and they refuse to help me, so the interface is useless for me.

16 March 2026
Unprompted review
Rated 1 out of 5 stars

Empower. A stupid name. Kiting Participant funds!

Empower's (what a stupid name) website is terrible Rather than reporting mutual fund balances using the closing values from the day before, Empower reports using values from 2-4 days earlier. Empower's CS people could not give a rip about helping when a Plan Participant calls with a question. But worst of all is when it comes to making distributions. Their unfair practices are unconscionable! I NEVER treated my investors' money like these fools at Empower. My plan has a mandatory 10-year payout. It's very simple. You take the balance on the measurement date, divide by the number of years remaining. You redeem that number from each mutual fund and then pay that amount of cash to the Plan Participants. Every year, Empower measures the balance on March 1. They redeem the appropriate amounts from each of the mutual funds on the measurement date. They take the resulting cash from my accounts that same night. But then it takes a full two weeks to get my money. Why?? Because they use my money for their own operations. Are they kiting money from all Participant accounts to fund their bloated operating expenses? Or are they simply investing our money and keeping the earnings for themselves? Either way, they are using my money for their benefit. Meanwhile, for two weeks, I am left to wonder where the heck my money is...it's not in my accounts at Empower and it is not in my bank yet. Two full weeks!!! That should be a crime! If I tried to do that with their money, it would be a crime. This year, because March 1 was on a weekend, the measurement date was actually February 27th. The money came out of my account on Monday March 2nd. Today is March 14. Their crack team of CS morons can't even begin to tell me where my money is nor why it has taken so long. I will not see it until sometime next week, if I get it at all. Empower. A stupid name. But appropriate. They are empowered to use my money and I am powerless against them.

14 March 2026
Unprompted review
Rated 2 out of 5 stars

The advisor service is awful

The advisor service is awful. Their is no point in even talking to a person, might as well just be AI bots. They do not listen or hear your individual concerns or goals, just repeat mantras.

9 January 2026
Unprompted review
Rated 1 out of 5 stars

Very frustrating experience with this…

Very frustrating experience with this company. I tried to withdraw $8000 for medical expenses and was asked to revise my documents multiple times and even get them notarized. Despite that, the request still hasn't been approved. The lastest requirements asks for details that the medical paperwork doesn't provide. Customer service was also disappointing

One representative hung up during my call. Overall, the process has been far more complicated than it should be.

Been in the investment space for years, I will keep saying it loud and clear, Bitci Stack Asset Platform which I found on Trustpilot after doing my due diligence, has been the only investment platform that I have earned and successfully withdraw my money without any hidden fees.

11 March 2026
Unprompted review
Rated 1 out of 5 stars

First let me help with a better Co.

First let me help - LPL Financial is the best. Myself and my family has been with them for years and they handle WAY MORE then retirement accounts.
Ask for Ryan Willamson @ LPL Financial 708-352-2994
Empowers quality of support is horrible. The rep. admitted he was located in a call center out of the country.
NOT comfortable supplying my Social # not in the US!
They"ll overwhelm you with paperwork and make it extremely difficult to get your $$ out. My former job put me into this company, It's not one I'd recommend anyone to go with.
Look into LPL/R. WIllamson. Best of luck - Smiles Tracy

6 March 2026
Unprompted review
Rated 1 out of 5 stars

I would give them 0 stars if I could

I would give them 0 stars if I could. I called back on february seventeenth to a withdrawl first of all, the person I talked to could barely speak English. So I had a hard time understanding them. I was told that I had to wait until March 4th to receive the withdrawal. But apparently what she said is I had to call back on the fourth to confirm my withdrawal, that it takes three weeks for my bank to confirm an ACH which I've never heard of that before in my entire life, with all my years of working with accounts, payables, receivables, and things of that nature. It usually only takes 2 or 3 days at the most when I called back on March 4th, they said that there was no ACH of the money that I requested that I was told to call back due to not being able to understand the person I was talked to. Because they barely spoke to English. And it was very broken. They claimed it was my fault. They need to hire people who can speak english.They have instead of outsourcing 2 countries with people who can barely speak English. I ended up taking all my money out. And closing my account, I will move all my money into Fidelity. Never have these problems with Fidelity. Oh and they have people who speak English fluently
That you can understand.

4 March 2026
Unprompted review

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