T-Mobile's integration of its Money service into the T-Life app has led to significant challenges for customers, including account access issues, negative balances, and delays in customer support. Users have reported being locked out of their accounts, failed autopay transactions, and missing direct deposits. Many customers are still waiting for replacement debit cards, and third-party services like Plaid and Cash App are not recognizing the new accounts. Complaints have surfaced on platforms like Reddit, with users expressing frustration over lost access to funds and long wait times for assistance. The transition has coincided with payday and month-end bill cycles, further complicating the situation for many.