I just downloaded the app and had the same password issues trying to log in.. I got locked out.. I give this a 0. Once in the app is easy to navigate and thorough. I give it a 4.. Here is what I had to do... 1. Get your provider to give you a temporary password. 2. Once you have logged in and changed your password, it will open but its frozen. Close the app. 3. Open the app and sign back in and it should work or at least it did for me. Good luck!