ComplaintsforEarnIn

• Initial Complaint

  07/01/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  Dark patterns and refusing to close my account after a data breach and the fact that I'm not able to use their service. I went to the website to close my account but the website said I had to install the app. I installed the app to close my account and the app said I had to reach out to customer service. I reached out to customer service and they told me to use the app. When I told them I tried they flat out ignored me and spammed me with disclaimers about the data breach. I requested six times to a rep to close my account and he just ignored me and stopped responding.

  

  Business response

  07/09/2024

  Thanks for bringing this to our attention, ******. We sincerely apologize for the inconvenience you've experienced. This is absolutely not the kind of service we want you to encounter when using our service. EarnIn is aware of a cybersecurity incident that breached the systems of our banking partner, *********** & Trust and exposed their records. Some of your personal information may have been exposed. For ongoing updates on the situation please visit *********** & Trusts website: getevolved.com/about/news/cybersecurity-incident. 
  

  There was no breach of EarnIns systems and your EarnIn account credentials were not leaked. Passwords, and, if you hold an EarnIn Card, card numbers were not compromised. Protecting the security and privacy of our customers' data is of top priority. As always, we continue to closely monitor account activity.

  Weve reviewed your account and confirmed that it has been successfully closed as requested. Should you require further assistance, please do not hesitate to reach out back to our chat support team. 
  

  
  

  Customer response

  07/09/2024

   
  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

  06/26/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I was charged on the May 17th for three different amounts. When I logged in to the earnin app to see why I was charged they had stated that my balances were never paid but I spoke to chase bank and the representative verified that they were paid to them. I got verification from my bank that it was paid to them. I contacted them through chat because that is the only way you can speak to them and all the representative kept telling me was that it was not paid and theyre gonna charge me again for those amounts and I advised them that. That is not right because then they would be charging be double for a service I never received. But they proceeded to tell me that they were going to charge me that amount.

  

  Business response

  07/04/2024

  Thanks for bringing this matter to our attention, *******. This is definitely not the kind of experience we want you to have with the app. We understand that youre having issues with the debits that were taken out of your account. After careful review, it appears that there was a failed debit on 05/17/2024. When this happens, the app automatically reschedules the debits, usually on a future payday. Furthermore, weve escalated this concern to the relevant team, and a team member has contacted you directly via email to assist you further.

• Initial Complaint

  06/24/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  These are the dates that i started the process of getting Bitcoin from Earninvesty. 05/10/204-05/22/2024. I have been given the run around every day just to receive the return that i invested with these people. And the wonderful broker that help me was, *************************. And he has lied every day doing this process. Its new fees everyday, i know nothing is free, but when i finish paying these fees it will equal out to what i invested. This is crazy. Just wanted to know all the rules up front. This is B.S.

  

  Business response

  06/26/2024

  Thank you for sharing your experience. EarnIn is not affiliated with Earninvesty as they are a different entity. EarnIn is an application designed to provide you with timely access to the pay youve earned, allowing you to receive compensation for the hours worked without the need to wait for payday. Your case has been inadvertently directed to EarnIn and should be appropriately rerouted to Earninvesty for a resolution.
  
  

• Initial Complaint

  06/24/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  They false advertised their product won't. Reimburse me for what I'm owed even though it's not against their policy.

  

  Business response

  06/27/2024

  Thank you for your feedback, *****. And we sincerely apologize for any misunderstanding our communication has caused. I have checked your account and it appears that you need help in connecting your savings account in the app. Unfortunately, EarnIn is unable to send earnings to prepaid and savings accounts. To be part of the EarnIn community or to keep your EarnIn account active, the app requires you to link a checking account that receives the direct deposit from your employer. This information is publicly available here: **************************************************************************************************

  
  With regard to your reimbursement request, please reach out back to our chat support team so we can review this further for you. 
  

  
  

  Customer response

  06/28/2024

   
  Complaint: 21892226
  
  I am rejecting this response because:
  The page they sent does not show that information openly and they false advertised on their commercials. Plus I wasn't reimbursed 
  Sincerely,
  
  *******************

  

  Business response

  07/04/2024

  Thanks for your continued communication, *****. The public article previously attached (************************************************************************************************** ) shows the basic requirements for setting up an EarnIn account. It states that EarnIn is unable to send earnings to prepaid and savings accounts. A linked checking account is required. This means we cannot continue setting up or reactivating your account using a prepaid or savings accounts. Regarding the reimbursement you are requesting, weve escalated this concern to the relevant team, and a team member has contacted you directly via email to assist you further.

• Initial Complaint

  06/20/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  They told me my repayments could be split up over my next two paychecks since my husband lost his job. THEY LIED and took every bit of repayment today overdrawing my bank account significantly. Their customer service "reps" have to either be robots or SEVERELY INCOMPETENT. SEE ATTACHED IMAGES.

  

  Business response

  06/27/2024

  Thanks for bringing this matter to our attention, Autumn. We're very sorry to hear about your experience and the inconvenience it has caused you. Please know that we take these matters very seriously. We'll definitely investigate what went wrong and find a resolution for you. After careful review, your account should not have been debited more last 06/20/2024 since you have requested for a split payment. Weve escalated this concern to the relevant team, and a team member has contacted you directly via email to assist you further.

  Customer response

  06/28/2024

   
  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

  06/18/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Used Earnin for four years have always paid back advances on time no problems. Had to ask for an extension, but have always paid back result my *** was at $700. On Jun 17th received a notice that my account was suspended my *** reduced to $100 and an NSF. When I inquired the reps were very rude and even the managers were rude citing to advances that I supposedly gotten that they accuse me of reversing which I did not. When I asked for further investigation, all they wanted to do is quote their terms, nearly accusing my of trying to steal money like its theirs. DO NOT PUBLISH MY NAME DO NOT PUBLISH COMPANY RESPONSE HAVE COMPANY CONTACT/RESPOND TO ME DIRECTLY

  

  Business response

  06/26/2024

  Thanks for bringing this matter to our attention, *******. We understand that you were having issues with the debits that were taken out from your account and with your decreased pay period **** After careful review and thorough investigation, we have concluded that we have debited your account correctly and there are still pending debits that need to be settled in your account. With regards to your pay period ***, if we have trouble debiting you on payday, the app will automatically adjust the pay period *** on your account to protect you from overdraft fees. We want to make sure that we're not sending more money to your account than we're able to debit back on payday.

  You may refer to this link with regards to our guidelines for ***: 

   ***************************************************************************************************

   
  Should you need further assistance, please do not hesitate to reach back to our chat support team.

• Initial Complaint

  06/18/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I paid the company , ******, to pay of a debt, due on 06/13/2024, on 06/12/2024, and the got the funds, and on 06/ 13/2024, the company tried to deduct that amount, again! Without me actually owing them, anything, I tried to bring this to their attention, I have got no where, but a bunch of chats with different csr's without any acknowledgement of wrong doing on their part, they infact have caused a chain reaction, of overdraft fees resulting in my checking account being negative 156.dollars and change, I could use some help with how to handle this thanks

  

  Business response

  06/26/2024

  Thanks for bringing this matter to our attention, **** and we apologize for the confusion our debits have caused.  Upon investigation, we have confirmed that our debits in your account are correct based on the credits you have received. The withdrawal that was posted on 6/12 is the repayment for the Transfer Out you requested on 5/30, which was initially scheduled to be debited on 6/6. On 6/6, you were able to transfer out again. This Transfer Out was scheduled to be debited on 6/13. Thus, the debit posted on 6/12 is a repayment for the credit received on 5/30 while the debit on 6/13 is a repayment for the credit on 6/6. However, it appears that it did not post successfully and was returned by your bank. You can confirm this by reviewing the credits received in your account from 5/30 to 6/7. Regarding the fees received due to our debits, please reach out back to our chat support team for further assistance.

• Initial Complaint

  06/14/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have been a customer of the company since 2020. Until an app update in September 2023, I had $550 each pay period to advance to my bank account and use as needed. Since then, I now have a $100 maximum availability and the company cannot ever take their funds back on the correct pay-date despite multiple attempts to resolve it with no resolution and i'm just told "the app knows what it's doing". I believe this to be unfair lending practices and just want my account to stay the way it was...

  

  Business response

  06/21/2024

  Thanks for bringing this to our attention, **** and we apologize for any inconvenience this has caused. We understand the importance of having a higher pay period *** which is why we granted another one-time courtesy *** increase in your account. Please note that we cant guarantee our community members a specific pay period *** since ***es are re-evaluated and are subject to change each pay period.
  There are many factors that we use to determine *** amounts which allows EarnIn to serve our community and ensure the long-term viability of the service. Our general tips for maintaining a healthy Pay Period *** include maintaining a positive bank balance, spending less money than you make and avoiding unsuccessful debits. With regard to your pay schedule, weve made sure it was updated based on your actual pay dates to avoid our debits from being taken ahead of your direct deposits.
  
  For reference about how ***es work, please visit:
  **************************************************************************************************
  ****************************************************************************************************
  
  Should you have clarifications or need further assistance, please do not hesitate to reach out back to our chat support team.
  
  

• Initial Complaint

  05/28/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Earnin has overcharged me. Because of this overcharge and poor customer service I cancelled my account. I have since been trying to obtain my complete transaction history but they will not give me my requested information. They keep changing guidelines and reasonings behind the overcharges everytime I speak to a different rep. I deposit $300 of my paychecks to them and they still debit my bank $100 or more each pay period. I would like my funds refunded but they will not allow me to speak to a live person and purposely avoid certain questions via the chat app. I want my refund and plan to escalate if not resolved

  

  Business response

  06/05/2024

  Thanks for bringing this matter to our attention, ******. We understand that you were having issues with the debits that were taken out from your account. After careful review and thorough investigation, we have concluded that we have debited your account correctly. As per our guidelines, every pay period, if the deposit is not enough to cover the debits that will be taken out from your Deposit Account, we will then send the remaining balance to your checking account linked in the app. You may refer to this link as a reference to the said guidelines:
  ****************************************************************************************************************************
  
  Should you need further assistance, please do not hesitate to reach back to our chat support team.
  
  

• Initial Complaint

  05/23/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I opened an account with ********************** and requested $100.00. I submitted my banking information and employment information. I never received the funds. In stead, I received a deduction from them on payday, just to inform me that I now have $100.00 available in my Earn In app. I closed my account because of numerous of failed attempts to reach someone at Earn In. I would like confirmation from Earn In that any further ach authorization from my backing account is cancelled. I do not want them to no longer have access to my banking account. I would also like my funds back that they withdrew from my account when I received my paycheck. It doesn't make sense to take my funds.Thank you for all that you do.

  

  Business response

  05/29/2024

  Thanks for bringing this matter to our attention, Dawnyelle. We have reviewed your case and we see the debit that you saw on payday was due to a credit that was sent to your account on 5/15/24. Weve escalated this concern to the relevant team, and a team member has contacted you directly via email to assist you further.

*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. ↩