Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/16/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Used their platform to withdraw a lightening speed charge of $150 with the $5.99 debit. This charge was never credited to my account. I provided bank statements to their chat department in which they had no explanation and randomly transferred me to a new specialist that did not respond for over 45 minutes despite my multiple attempts to see if anyone was in chat.

  

  Business Response

  Date: 04/18/2025

  Thank you so much for letting us know, Tawny. Were truly sorry for the delay you experienced with your Transfers and any trouble this caused.
  Weve confirmed that the credits you transferred on 4/14 and 4/15 have posted successfully on the following day, 4/15 and 4/16. Could you please check with your bank to see if the other Transfer was delayed or blocked on their end? Once your debits have been posted, let us know so we can refund the two Lightning Speed fees for the Transfers that didnt post instantly by reaching out to your ticket or by emailing us at *************************************************.
  Were committed to making things right and ensuring your experience with EarnIn is smooth. If you have any other questions or concerns, please dont hesitate to reach out.
  
  

• Initial Complaint

  Date:04/09/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am a user of the ********************** app and have been unable to access cash advances simply because my bankVarois not supported. **** is a legitimate, FDIC-insured online bank with a large and growing customer base. There is no valid reason for a company like EarnIn, which markets itself as a forward-thinking, user-friendly financial tool, to exclude widely-used online banks in 2025.This policy is not only frustrating, its also exclusionary. Online banks like Varo are the future of banking and offer the same protections and services as traditional institutions. I believe EarnIns refusal to support Varo is outdated and unnecessarily restrictive to customers who choose modern digital banking solutions.I am requesting that EarnIn either begin supporting ********* or provide a transparent explanation for why it's excluded and what steps are being taken (if any) to include online banks in the near future.

  

  Business Response

  Date: 04/13/2025

  Thank you for reaching out and for taking the time to share your concerns, ******. We understand how important it is to have your preferred bank supported, especially when it's a trusted and widely used institution like Varo, and we genuinely appreciate your feedback.

  At this time, EarnIn does not fully support ********* accounts. Many neobank accounts, including Varo and Chime, are set up in ways that can make it difficult to transfer funds to and from the account successfully. This is one of the key reasons why these types of accounts aren't yet fully compatible with EarnIn.

  That said, were actively working to change that. We would love to support ******* users, and as part of that mission, our team is testing different ways to make the EarnIn app work with ***** and Varo accounts. Currently, only a small test group of ***** users has access, and we're using what we learn from these tests to improve functionality and hopefully support all Chime and Varo users in the near future.

  In the meantime, EarnIn does work with *****, ****************, ****, and *************** among others. If youd like to switch to one of these banks, well be able to get your account set up as soon as you receive your first direct deposit there.

  We appreciate your patience and your passion for modern banking, it's feedback like yours that helps drive positive change in the services we provide. If you ever need further assistance, feel free to reach out to our chat support anytime, were happy to help!

  Customer Answer

  Date: 04/14/2025

   
  Complaint: 23181883

  Rejection

  Thank you for the acknowledgment, but I feel this response avoids true accountability. Its disappointing that in 2025, EarnIn still lacks proper support for widely-used, FDIC-insured online banks like Varo. Suggesting I switch banks isnt a solutionits avoidance. Digital banking isnt the futureits already here.
  
  I appreciate that you claim to be working on solutions, but without transparency or a timeline, this feels more like a canned response than meaningful progress. If a small test group can be onboarded, then scaling up to full support for Varo should be a prioritynot just a vague goal.
  
  Im hopeful that EarnIn will take action soon, because neobank users deserve equal access and support.

  Sincerely,
  
  ****** *****

  

  Business Response

  Date: 04/16/2025

  Thank you so much for your honest and thoughtful feedback. We truly understand your frustration, and we deeply regret that our current limitations with supporting certain online banks like Varo are impacting your experience.
  Youre absolutely rightdigital banking is no longer the future, its the present. And your point about accountability and transparency is valid. We acknowledge that suggesting a bank switch is not a real solution, especially when neobanks offer convenience and flexibility that many of our community members rely on.
  While weve been testing support with a small group, we recognize that scaling up needs to be a top priority, and feedback like yours is critical to pushing those efforts forward. Were sharing your message with our internal teams as a reminder of how important this issue is to our community.
  We truly appreciate your patience and continued hope in uswe hear you, and were committed to doing better. Please dont hesitate to reach out if theres anything else youd like to share
  
  

  Customer Answer

  Date: 04/20/2025

   
  Complaint: 23181883
  
  Thank you for this more thoughtful and transparent follow-up. I appreciate that EarnIn has acknowledged the importance of digital banks like Varo and admitted that suggesting a bank switch isnt a viable solution.
  
  That said, I strongly encourage EarnIn to take action beyond internal conversations. Testing with small groups is a start, but real progress will come with full implementation and equal access for neobank users. I, and many others in this space, will be watching closely for movement on this issue.
  
  Thanks again for taking this seriouslyI look forward to seeing EarnIn adapt and improve with the times.
  
  Sincerely,
  
  ****** *****

• Initial Complaint

  Date:04/09/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 5/6 I submitted for early pay with earnin. I was under the impression that this would allow me to access this current paycheck 2 day early. After submitting my information I was informed that I wouldnt be able to access my check for 1/2 pay periods. This is highly inconvenient and feels like false advertising.

  

  Business Response

  Date: 04/13/2025

  Hi ******,
  Thank you for reaching out and sharing your concerns. Were truly sorry for any confusion or inconvenience youve experienced with the Early Pay feature. We understand how important timely access to your paycheck is, and we appreciate the opportunity to clarify.

  Early Pay is designed to give eligible members early access to their paycheck once weve received and verified direct deposit information from their employer. However, please note that the timing of early direct deposit depends on when your employer processes and submits payroll. Typically, it can take 12 pay periods for our system to recognize and update this information.

  Upon checking your account, we havent yet received a direct deposit from your employer. Once we do, well process it right awayafter deducting any transfers, Lightning Speed fees, and optional tips. You may also consider checking in with your employer to confirm whether theyve processed the deposit on their end.

  We understand this may not have been the experience you expected. Your feedback is very important, and we're actively working to improve communication around how our features work.

  If you'd like us to review anything further, were more than happy to help. Thank you again for reaching out, and we hope to regain your confidence in our service.
  

  
  

• Initial Complaint

  Date:03/31/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On March 28, 2025, EarnIn transferred three payments of $161.99 from my bank account to them for repayment. Upon opening the app and checking my available balance, I only had about $240. Three payments of $161.99 equals to $485.97. I then go to my tip jar, which has $305 in it and try to transfer all of amount only to find out that I am only allowed to transfer $220 out. Earnin owes me $1030.97 and upon asking for my money back they automatically told me that they are unable to transfer my money back into my account.

  

  Business Response

  Date: 04/03/2025

  Thank you for bringing this to our attention, Jelila and we completely understand your concern about the debit transactions on your account from 3/28/25 and your **************** Were here to support you and help sort this out.

  After reviewing your account, we see that you made transfers on 3/18, 3/21, and 3/22 totaling $161.99, which were posted on 3/28/25. You can always check your Transfer History by going to the Activity tab in the app.

  Regarding your Tip Jar, you can withdraw any amount between $1 and $2,000 at any time. However, it looks like you withdrew $220.00 on 3/30/25 before contacting us to close your account. This is why you were unable to withdraw the full amount of your savings. The good news is that the remaining funds were successfully withdrawn on 4/1/25, and the transaction has now been completed.

  We hope this clears up any confusion. We truly appreciate your time and understanding. If you ever need further assistance, feel free to reach out to our chat support anytimewere happy to help!
  

  
  

• Initial Complaint

  Date:03/31/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I started using Earnin again after about 3 months and checked my bank account on 3/29/2025 and see that they have already inititated the repayment process for the amount I have borrowed 2-3 days earlier than the stated repayment date of March 31, 2025. There is no upcoming holiday so there is no reason why they should be initiating the repayment process prior to the agreed upon repayment due date. They are in breach of the agreement by processing repayments prior to the agreed upon repayment date. The pending transactions are an issue because of there being 2 diffferent account balances, one for payments/debits that are pending and the other for current balance. Pending transactions in my account only are displayed if I happen to access that section and without doing so, leaving me to believe that the balanced displayed is current which is not the case.

  

  Business Response

  Date: 04/03/2025

  Thank you for reaching out and sharing your concerns, ******. We completely understand your frustration, and we apologize for any confusion this has caused. Its important to us that you feel confident and clear about your account, and we can see how early repayment processing and the display of pending transactions could cause some confusion regarding your available balance.

  We typically process repayments on the agreed-upon date, and we apologize if this wasnt the case for your recent transaction. Well be happy to look into why your repayment was initiated earlier than expected, especially when theres no holiday affecting the schedule. You may please visit our in-app chat feature and one of our support advocates will be happy to assist. We want to ensure that everything is resolved fairly for you.
  

  
  

  Customer Answer

  Date: 04/04/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ****** *******

• Initial Complaint

  Date:03/14/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Today I spoke with earnin customer service on 3/14/2025 as they were supposed to receive my paycheck from my employer to send to my account. I rerouted my paycheck for my pay period to them so I can get it 2 days earlier as advertised in their app where it says get paid up two days early! I get paid on Fridays from my employer, this morning no paycheck was in my actual account as they said they would noneless they never received it. I double checked my paystub it says it was sent to them. Contacted customer support and basically got no help other them stating they are researching the matter I went ahead and did some research this is common issue where they are not paying their customers on the day that they get paid or getting it two days early as they advertise. As of 3/14/2025 9:37am I have not gotten my paycheck from them, their support is of no help. I believe this is completely wrong for them to do and fact its happened to so many other per Reddit, is beyond horrible.

  

  Business Response

  Date: 03/20/2025

  We sincerely apologize for the inconvenience and frustration caused by the unexpected delay in processing your paycheck, ********. We understand how concerning this must have been, especially when you were expecting to receive your paycheck early as advertised. We truly appreciate you taking the time to review your pay stub and reach out for support. Your feedback is valuable to us, and we remain committed to providing you with the best service possible.
  The delay was due to an issue on our bank partner's end, which caused your direct deposit to be posted later than expected. However, we have confirmed that it has now been successfully sent to your account.
  We understand how important it is to receive your deposits on time and appreciate your patience and understanding as we worked through this. If you experience any further issues or have additional questions, please dont hesitate to reach out to us via our in-app chat support.
  
  

  Customer Answer

  Date: 03/20/2025

   
  Complaint: 23065465
  
  I am rejecting this response because:

  I did speak with in chat support I spoke to three people. You didnt do as advertised and it was still clear to day that this happening to other people for months and years reading through forms on varies website. I was put through emotional distress during this time not knowing when I was going to get paid and the main response was we will contact you when we get more information thats not a right way to handle this. This was someones check that was worked hard for. This caused so much stress on myself wondering i was able to go get my medicine later on that day. 
  
  Sincerely,
  
  ******** ******

  

  Business Response

  Date: 03/24/2025

  We sincerely apologize for the distress this situation has caused you. We completely understand how important timely access to your paycheck is, and we regret any stress this may have added to your day. While we see that the issue was resolved on 03/14/25, we acknowledge your concerns and truly appreciate your feedback.
  Please know that we are actively working to prevent similar issues in the future. Weve also coordinated with our partner bank, *********** & Trust, to ensure transactions are processed in a timely manner. Your patience and understanding mean a lot to us as we continue to improve and provide a smoother, stress-free experience.
  If theres anything else we can do to assist you, please dont hesitate to reach out. Your experience matters to us, and we appreciate you taking the time to share your concerns.
  
  

• Initial Complaint

  Date:03/14/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I switched my direct deposit through the EarnIn app on February 28th. I double checked that the app put the correct info in on the 7th of March. My pay days are Thursdays but I usually get paid Tuesdays. I understood that with the switch I may have to wait until Thursday to get paid. On Thursday the 13th I was due my direct deposit. Nothing came. I was told it was my employer or something I did. So I verified everything then I called my employer who confirmed everything was good and the funds had been sent. I double checked my payroll solutions as I am the HR Manager and there were no kickbacks. I provided EarnIn with all of the info and they informed me it was actually an issue with their partner bank ******. I am now -300$ in my account because my bills have been taken and EarnIn did not release my check and still hasnt yet they took their payment from me while not having an answer about my check. And cant give me an answer.

  

  Business Response

  Date: 03/20/2025

  Thanks for bringing this to our attention, *******. We sincerely apologize for the delay and any frustration this may have caused. We completely understand how stressful it can be when your paycheck doesnt arrive as expected. We truly appreciate you reaching out, following up, and taking the time to send us your pay stub.
  We've confirmed that there was a delay affecting ******* employees, which unfortunately impacted the timing of your direct deposit. However, your paycheck was successfully posted to your account on 3/15, and we have refunded the fees incurred due to this issue.
  We know how important it is to receive your funds on time, and we truly appreciate your patience while we worked to resolve this. If theres anything else we can do to help, please dont hesitate to reach out.
  
  

• Initial Complaint

  Date:03/12/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My phone was stolen and it took me a while to get it back and it was unlocked. So the person that stole my phone opened an account with Earnin In my name, I did not know about. They took ****** x2 Out of my bank account and my bank Denied the dispute. I would like my money back from this company because I did not open the account and you fraudulently took $****** X 2 Out of my account.

  

  Business Response

  Date: 03/13/2025

  Hi ******, Thank you for reaching out. Were sorry to hear about this situation and understand how concerning it must be. Please know we take unauthorized access reports seriously and want to assist you in clarifying this matter.
  After reviewing your account, we found that two transfers of $150.00 were made in late 2024. While multiple debit attempts were made over the following months, both amounts were successfully debited on March 6, 2025.
  To further investigate and verify whether these transactions were credited to your bank account, we kindly ask that you provide a copy of your bank statement showing all transactions from October and November 2024. You can send this to *************************** for review.
  We appreciate your patience and cooperation. If you have any further questions, please dont hesitate to email uswere here to help.
  
  

• Initial Complaint

  Date:03/07/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I use the Earning App to get a loan each week. I am due $150 each week as a max, however Earnin want to give me two partial payments which each incurs a fee, causing a hardship. I am usually able to get my max $150 on Friday, my payday. However, often they want to give me partial payment and make me come back for the other part on another day. This is unacceptable because each time I make a transaction it incurs a fee, causing a hardship.

  

  Business Response

  Date: 03/10/2025

  Thank you for reaching out and providing such detailed information about your situation, ******. We truly apologize for the frustration and inconvenience this has caused, and we fully understand how important it is to resolve this matter swiftly.
  After thoroughly reviewing your account, we are happy to confirm that the issue regarding your Transfer Out and earnings has now been completely resolved. We can see that the transfer you requested has been successfully processed, and everything should now be in order with your account.
  If you have any additional questions or concerns, please don't hesitate to reach out. We are here to assist you in any way we can!
  
  

• Initial Complaint

  Date:03/06/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They took 791 out of account that