I'm afraid I have had an extremely negative experience with BTCPOP and as of now, four days after my attempt, they have yet to return my 2.5646 BTC.
I was first attracted to BTCPOP because of the savings account. I plan on holding my BTC over the long term and who wouldn't want to earn a little interest while waiting? I checked out the reviews and I justified that even the negative ones eventually seemed to get resolved. So I took the plunge and deposited with BTCPOP, they were even offering up to 10% bonus.
The deposit went smoothly, taking only about as much time as getting 3 confirmations on the network. After I saw that my coins were safe in their new home I started poking around the website, there is a lot going on. I began to notice that the majority of the P2P lending opportunities were very risky and that the features of the website that would have helped managed risk (like reporting late loans) were not functioning.
After reading some internal message board posts it became clear to me that my worst fear was happening, that people were having extreme difficulty retrieving their coins. At that point I panicked and withdrew my coins. When I place the withdraw order the system asked me for my 2FA credentials which I input. When I pressed "send" the balance was removed from my wallet and placed in "pending" where it sits today... four days later.
Even the most basic operations have to be able to do two things at a minimum, deposit and withdraw. If that doesn't happen efficiently people are going to rightly worry. That is were BTCPOP is right now, it does some really innovative things... some really groundbreaking ideas are being pushed there. But if people can't get their coins as easily as when they deposit them, something smells rotten.
Timeline:
June 12, 2016 (PST) - Withdraw request
June 13, 2016 - Emailed Chad in Support
June 13, 2016 - Chad got back to me saying if I input my credentials correctly transfer imminent.
June 14, 2016 - Emailed Chad again, still haven't received coins.
June 14, 2016 - Chad escalates to "transaction review"
June 16, 2016 - **Crickets**
Ps. I will be updating as to their communication and for those who think I'm scamming because I have so few posts, I'm not, message boarding is not really my thing. Here is my identity:
https://onename.com/aaron1