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:03/03/2025

  Type:Customer Service 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 havent used earnin in over 5 months and have removed them from authorizing my account. I wake up this morning(3/1/25) to 5 pending transactions all over $100 equaling up to $584.94 unscheduled and unauthorized. When contacting support i was told if i gave notice to schedule activity they could of revoked it. But no transactions where scheduled due to unlinking account FIVE MONTHS AGO. **************** has told me there is nothing they can do and i would have to reach out to my bank. ** also filed with **** and seeking resolution before these transactions post and i have to dispute. Yikes.

  

  Business Response

  Date: 03/10/2025

  Hi, ****.
  
  Thank you for bringing this to our notice. We sincerely apologize for the inconvenience you have experienced with the debits. Your feedback is important to us and we are committed to providing you with excellent service.
  
  After reviewing your account, we found that the failed debits from 9/27/2024 and 10/4/2024 were automatically rescheduled. This occurs when the app detects sufficient funds in your account to cover the previously unsettled amounts.
  
  As a proactive step, we have successfully processed your credit request, and we have rescheduled it to be debited on 3/21/2025. We hope this resolves the issue. Once the debit has been successfully processed, kindly reach out to us, and well be more than happy to assist you with updating your account accordingly.
  
  If you have any further questions or need additional clarification, please dont hesitate to let us know. We appreciate your trust in us and we look forward to serving you better. Have a wonderful day!
  

• Initial Complaint

  Date:02/26/2025

  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.

  Ok earnin helps you get your check early sounds good for a bi weekly check like mine they sent an email saying they delayed my check and would reimburse any over draft fees...74$ for that delay and now are refusing to reimburse and making me feel like I don't know English...which I clearly clearly speak and understand English this company will scam you by taking "tips " out of your check without your permission...scam company with no " current phone customer service stay far Away!

  

  Business Response

  Date: 03/03/2025

  Thank you for reaching out and sharing your experience. Were truly sorry to hear about the troubles you've faced with your account and the delays youve encountered. We completely understand how frustrating this must be, especially when it comes to overdraft fees and feeling misunderstood. This certainly isn't the kind of service we want to provide.
  To help resolve this situation, please contact us at ****************************** with more details, so we can further investigate your account and look into the overdraft fees you received. We genuinely want to make things right for you. Thank you for your patience, and we hope to assist you soon!
  
  

• Initial Complaint

  Date:02/25/2025

  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.

  Earnin is a payday app day app I have been using successfully until Feb.2025. They have taken payback loan out of my account after I already paid them early . I chatted with them as an Apple Support Advisor was screen sharing with me and saw how they tried to confuse me and twist the story line completely. She too thought it was wrong to not return the payment they took after I had already paid. She saw it on my bank app and the different excuses being made to make it look as though I was at fault. I seek no criminal charges I see no court date but I would like my $105.99 back

  

  Business Response

  Date: 03/03/2025

  Thank you for bringing this to our attention, and we completely understand how confusing and frustrating this situation must be. Were truly sorry for any inconvenience this has caused, and we genuinely appreciate your patience as we looked into this for you.
  After a thorough review, it may seem like you were charged twice, but heres what actually happened:
  The $105.99 from 01/11/25 was rescheduled to 02/03/25 because you mentioned a change in your pay schedule. On the same day, 02/03/25, you requested another Transfer, which was supposedly scheduled on 02/28/25 but you made an early repayment on 02/03/25.
  Since these transactions all occurred on the same day, we completely understand how this could look like a duplicate charge. However, no duplicate charge was made.
  We truly appreciate your patience and understanding as we sorted this out. If you have any other questions or need further help, please dont hesitate to reach out. Were here for you every step of the way, and were always ready to help.
  
  

• Initial Complaint

  Date:02/19/2025

  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 use earnin for early pay to hep pay my bills on time. They have given me late repayment dates and finally paid them back now glitches according to them are happening for advances and keep getting promised their engineers are working on this to hopefully have this resolved by my next pay . One excuse after the other . No resolution just excuses . I have screen shots this has been going on for 24 plus hours

  

  Business Response

  Date: 02/24/2025

  Thank you for reaching out and sharing your experience with us. We truly understand how important it is to have reliable access to your earnings, and we sincerely apologize for any frustration this situation has caused.
  Our team has been actively investigating this issue, and we appreciate your patience as our engineers work diligently to resolve it. We know that timely access to funds is essential, and we are fully committed to ensuring a smooth experience for you.
  As agreed, we have processed a credit to your account that we will debit back on 02/28/25. Additionally, please be assured that your pay period Max will be reinstated once all debits have been successfully posted.
  We value your trust and appreciate you bringing this to our attention. Please know that we will continue to keep you updated and are dedicated to finding a resolution as quickly as possible.
  If you have any additional concerns or details youd like to share, please dont hesitate to reach out.
  Thank you for being a valued part of the EarnIn communitywe truly appreciate you!
  
  

  Customer Answer

  Date: 02/24/2025

   
  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:02/10/2025

  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 was charged 3 times for $****** and once for ******. The company is trying to say that I didnt pay this even though I have bank statements. The ****** should have only been taken out one time. Ive tried to resolve the issue with them but now they wont even respond to me. I just want my money back from being overcharged.

  

  Business Response

  Date: 02/14/2025

  Thanks for bringing this to our attention, ****** and we truly understand how concerning this situation is, and we sincerely apologize for any inconvenience this has caused. We also appreciate the bank statement you provided while our team reviewed your account.
  After a thorough review, we found that the transfer you made on 12/19/24 was not successfully debited on 1/3/25 due to insufficient funds. A reattempt was made on 1/8/25, and this time it successfully posted.
  Additionally, on 12/20/24, you transferred another $150.00, which was initially scheduled to be debited on 1/3/25 but failed due to insufficient funds. We attempted to debit it again on 1/7/25, but the transaction was reversed. Further attempts were made on 1/8, 1/21, and 1/23, but all were unsuccessful. We have verified these attempts against the bank statement you provided. The final debit attempt on 2/5/25 was successful. Please note that the app can anytime reattempt the transactions should you have no enough balance to cover the debit.
  Regarding the $105.99 debit, we can confirm that this amount was debited only once. After you transferred funds on 1/7/25, the debit was automatically scheduled for your payday on 1/17/25, and it successfully posted.
  We truly appreciate your patience and understanding as we sorted this out. If you have any further questions or need additional assistance, please dont hesitate to reach out to our chat support team. We're happy to help.
  
  

• Initial Complaint

  Date:02/07/2025

  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.

  EarnIn has the worst customer service I have ever experienced. If you use the chat function they will either randomly end the chat before the issue is resolved, or they will just stop responding without getting you to anyone else. I was told that my information would be sent to a "specialist" so that they could resolve the issue, and then didn't hear anything back. It didn't get me to a new representative, and it has been over an hour since anyone responded in the chat. When I called the number it sent me straight to a voice mail that said "we will try to respond within 3 business days." There was no option to talk to a live agent now. My earnin will not update my work hours, so I can no longer pull and they keep saying, "well you can pull when it updates." I just paid off my owed balance. They took it from my account before my direct deposit even hit my account. I have had no issues with the service for months, until 2 weeks ago when it stopped updating. 2 weeks ago I had the same issue, and was able to send info to get it resolved, but today they say that they for some reason can't use the same type of info they just used 2 weeks ago to resolve it this time, and then stopped responding. The only solution that I have been offered is to "connect my work email" and that ****** and Yahoo accounts won't work, so that's not possible. I'm just not sure why the person I talked to 2 weeks ago had no issues doing it with the info that I provided, but now it's not possible.

  

  Business Response

  Date: 02/14/2025

  We want to sincerely apologize for the frustration youve faced with both our customer service and the issues you've encountered while trying to update your earnings, *********. We fully understand how important it is for you to access your earnings when you need them, and we deeply regret that our service has not met your expectations during this process.
  Upon reviewing the situation, we discovered that your schedule was mistakenly accepted as a timesheet, which should not have happened. To clarify, there are only three approved methods for adding earnings in the app. First, we have the Automagic Earnings feature, which requires you to have a permanent work location. Secondly, there is the option to use a work email provided by your employer that is specifically personalized for you. And lastly, you can submit a timesheet. Since you work from home and do not have an employer-provided work email, the only option to submit your earnings would have been through a timesheet submission.
  We also see that you have since closed your account, and we're truly sorry to see you go. We understand that this experience may have led to your decision, and we deeply regret that we weren't able to meet your needs during your time with us.
  We apologize for the confusion caused by this error and any inconvenience it has caused you. We truly value your feedback and are dedicated to improving our service to ensure that situations like this dont occur again in the future. Thank you for taking the time to bring this to our attention, and we appreciate your patience as we work towards resolving this matter.
  
  

• Initial Complaint

  Date:02/04/2025

  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.

  Earnin has been setting my payback date to every other Wednesday because sometimes, my paycheck goes in earlier. My actual paydays are every other friday. They refuse to update this for me in their system which causes a return from my bank. On the days that it does go in on a Wednesday, it goes in Wednesday night. Earnin tries so deduct the money on Wednesday mornings. Even though my actual employer ****** is every other Friday as stated in the employee handbook, I have no control if the bank deposits it a day or 2 early. Earnin should stick to the "scheduled" pay day and not the day or 2 early that can occur but is NOT guaranteed. I have no control over whether my paycheck goes in earlier than the scheduled pay date and I cannot rely on that to always happen. I have spent a lot of time on the chat with Earnin trying to get this issue resolved and they are not able to help. When this happens, it causes a return from my bank and then I am delayed in making a payment to Earnin and being able to borrow from them again. All I want to do is be able to make my payments to them on time. And not be penalized for not being able to when they try to deduct it from my account before my paycheck is even deposited.

  

  Business Response

  Date: 02/07/2025

  Thank you for reaching out and sharing your concerns with us, ******. We truly understand how frustrating this situation has been for you, and we sincerely apologize for any inconvenience it has caused.
  Weve reviewed your previous conversation with one of our advocates, and we can see that your pay schedule is now saved as Pays every other week on Thursday, Holidays pay the day before. We hope this update better aligns with your actual pay schedule and helps prevent any future issues with early deductions.
  We appreciate your patience and your efforts to ensure timely payments. If you have any further questions or if theres anything else we can do to assist you, please dont hesitate to reach out.
  
  

  Customer Answer

  Date: 02/11/2025

   
  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:02/03/2025

  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.

  January 31, 2025. Owed Earnin 4 payments $156.00 which was debited from my account on the same day. On February 3, 2025 they attempted to take additional amount $300.00 which the app claimed is my pay date. My pay date is the last day of the month even though my pay warrant always state the first business day of the month. This company refuses to adjust the amount owed and withdraw the additional payments over and in excess of amount owed. I consider this to be deceptive. If they consider my pay date to be February 3rd then they should have made the request for that day. I explained to the company that the day they send requests to be paid is the same day the money will processed and paid from my bank. How can they make requests for enormous amounts when I get paid by the State of Texas once a month. Yes. I get advances from them, but the app states the funds are to be paid on a certain day. In this instance it stated the funds were to be paid on January 31sr, not January 31st and February 3rd. This is absurd.

  

  Business Response

  Date: 02/04/2025

  Thank you for reaching out and sharing your concerns. We completely understand how upsetting it can be to see unexpected debits, especially when it impacts your financial planning. We also understand that you get paid on the last day of the month, even though your pay is deposited on the first business day of the following month. We truly appreciate you explaining this. We're here to clarify this and work with you to find a solution.
  Our app automatically schedules debits based on the day your direct deposits come in, which is why the last two transfers were debited on February 3, 2025. Generally, EarnIn schedules debits for the upcoming payday. However, theres a cutoff time for transfers requested the day before your payday. Since you transferred the two amounts on February 1, 2025, at 1:12 AM, EarnIn automatically scheduled your debits for your payday, February 3, 2025 instead on your payday after next.
  After further reviewing your account, we noticed that the last two debits were not successfully processed due to a stop payment error from your bank. Wed like to work with you to resolve this. Please reach out to us at *************************** so we can arrange for these transactions to be posted on your next payday, March 3, 2025.
  Additionally, weve already updated your pay schedule to reflect that you are paid once a month on the 1st. holidays paid the day after. This should help ensure everything is accurate moving forward.
  Were here to support you every step of the way, and we truly appreciate your patience as we work to get this sorted out.
  
  

• Initial Complaint

  Date:01/31/2025

  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.

  Earnin changed my payday their system to every other Wednesday instead of my actual payday of every other Thursday. This caused them to overdraft my account 5 times. My bank charged $35 every time. I sent screenshots to them and they said they needed proof their transactions caused the overdraft. I took time off from work to go to the bank to get the proof and they still didnt reimburse me. They are using unfair collection practices.

  

  Business Response

  Date: 02/05/2025

  We appreciate you taking the time to bring this to our attention. We completely understand how challenging overdraft fees can be, and we want to make sure you have the best experience with us. Please know that we take this matter seriously and are here to support you.
  When we post debits, we set the date theyre scheduled, but your bank determines the exact time the transaction processes in your account. In your case, it appears your direct deposit posted ahead of our debits. The good news is that weve refunded the overdraft fees you incurred, totaling $175.00, which should have already posted to your account.
  Additionally, our team have adjusted your pay schedule to Pays every other week on Thursday. Holidays always pay the day before.This will help ensure that future debits align correctly with your pay cycle and with no issues. Weve also added a note to your account to keep your pay schedule as is moving forward, ensuring no changes are made without your consent.
  Thank you again for your patience and understanding. If you need further assistance, please dont hesitate to reach out to our chat support teamwere always here to help.
  
  

  Customer Answer

  Date: 02/06/2025

   
  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:01/29/2025

  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.

  Bank account being allowed to be added without consent and not matching earnin app account which can allow access to fraud and have a bank account be allowed to access and liquidate bank account on anyone.

  

  Business Response

  Date: 02/03/2025

  We understand how concerning it must be to see a bank account added without your consent, and we apologize for the inconvenience youre experiencing. We take situations like this very seriously, as protecting your account and personal information is our top priority.
  After reviewing your account, it appears that youve already closed the account associated with your phone number, which was also linked to your mother's account.
  We would like to investigate this further with you. Please reach out to one of our specialists at *************************** with a screenshot or photo of your bank statement that includes your name and account number. Once we receive this document, our specialists will be able to look into the matter and take immediate action to resolve the issue.
  Rest assured, were here to support you every step of the way and will do everything we can to ensure your account is secure. We are committed to helping you through this and appreciate your patience as we work on a solution. Thank you again for your understanding.