ComplaintsforEarnIn

• Initial Complaint

  09/05/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  Their payday calculation is way off, the people on the other end are no help. Help. I had an issue due to having being out of work for medical reasons where I fell back on my bills and I've been using earning to try to catch up. Well September 3rd after I got out of a 8-hour shift, My account never updated then I got overdrawn by my bank. I tried to avoid the fee so I went and did another 8-hour shift on September 4th And my earnings still never updated. When I contacted support they told me that there was nothing they could do to help and when I got a little upset about that they told me to calm down or they couldn't help me which is funny cuz they weren't helping me anyways

  

  Business response

  09/10/2024

  Thanks for sharing your experience with us. We understand that you encountered difficulties with how your earnings are being calculated and we sincerely apologize for any inconvenience this may have caused.
  
  We reviewed your account and noticed that your recent paychecks were lower than expected. Your earnings are updated daily based on the value of your last three paychecks. However, since your recent paychecks during that period had been lower, your accrued earnings were lower. Additionally, GPS earnings only tracked a few of your listed work addresses, with some points appearing outside the expected area. Please ensure you follow the necessary steps for GPS tracking when at work and aim for higher paychecks to increase your earnings in the future.
  We are dedicated to ensuring a smooth experience and appreciate your patience. If you have any further questions or need additional help, please feel free to contact our support team.
  
  

  Customer response

  09/10/2024

   
  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

  09/04/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  The last time I used Earnin's service was over 5 years ago, I do not currently have an account with them. Yesterday (3 September 2024) I was charged $111. The bank account that the money was withdrawn from was never connected to Earnin during the time I did have an account with them. The only ways to contact customer support were by online chat (i do not have an account so this was impossible) or to leave a voicemail for their call center which says they will respond in 3 days. I have already called their call center and received no answer despite calling during normal business hours.

  

  Business response

  09/10/2024

  Thank you for reaching out to us. We understand your concern regarding the recent charge of $111 on 3 September 2024, especially given that you mentioned not using our service in over five years and that the bank account was never connected to EarnIn.
  A specialist from our team has reached out to you directly to further assist with resolving this issue. We appreciate your patience and apologize for any inconvenience this has caused.
  
  

• Initial Complaint

  09/03/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I have no clue who this company is but they have my banking information and have taken money from me unauthorized they will not answer my calls or return my call I've been trying to get my money back from this company and can't get any resolution

  

  Business response

  09/09/2024

  Thank you for bringing this matter to our attention. After reviewing the charge you mentioned, we can confirm that it does not originate from us, as it is listed as ********* rather than EarnIn.
  We suggest reaching out directly to the company mentioned in the transaction details or contacting your bank for further assistance.
  If you have any questions about your recent transfer completed on September 3rd, please do not hesitate to reach back to our chat support team.

• Initial Complaint

  09/03/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  When I borrow money until payday, the funds I receive are supposed to be withdrawn from the following paycheck. On 2 separate occasions, they have charged me twice for the same transaction, citing that the funds would be withdrawn from the NEXT paycheck. So what happens is that they withdraw the funds from the next TWO paychecks.

  

  Business response

  09/09/2024

  Thank you for bringing this to our attention and we understand your confusion, ****.
  We reviewed your account and confirmed that all Transfers were correctly aligned to the debits on 8/15 and 8/29. Therefore, there were no duplicate debits.
  To ensure clarity when transferring out, the following policies determine the debit date of Transfers requested on the day before the payday:
  1. If the time the Cash Out was made is before 10:00 am EST, the money will be debited the next day.
  2. If the time the Cash Out was made is after 10:00 am EST, the money will be debited on the payday after next.
  If theres anything else we can do or if you have further concerns, please reach back to our chat support team.
  
  

• Initial Complaint

  08/30/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  Company went into my bank account and deducted 400 dollars for their mistake. They claim my bank account was credited extra credit when this was not the case. They claimed the error happened almost 30 days ago.

  

  Business response

  09/03/2024

  Thank you for bringing this matter to our attention, ******. We apologize for the inconvenience you experienced.
  After thoroughly reviewing your case, we determined that the discrepancy was caused by multiple transactions sent to your account on 8/5, which led to an additional debit on 8/29.
  
  To resolve this matter, we have credited the amount debited on 8/29 back to your account and have rescheduled the transaction for 9/13, in line with the agreement you reached with our previous representative.
  We appreciate your patience and understanding. If you have additional questions about this matter, feel free to contact our chat support. Thank you and have a wonderful day.
  
  

• Initial Complaint

  08/28/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  On 8 27 2024 I reached out to the company saying that I was scheduled to repay on Thursdays, but in fact which is on the 29th it said oh I get paid on the 28th which is not true and I reached out to the company and they wanted to say that oh no says here ***** get paid on Wednesday Which I knew I didnt and they still wanted to say no its fine. And that I had to reach out to them and I attached a screenshot of the conversation and then on the 28th when I looked sure enough, they took the money out of my account after I told them I wanted to change the repayment date and they wanted to argue with me so I want something done

  

  Business response

  08/29/2024

  Thank you for your patience, ****. We apologize for any inconvenience youve experienced. We reviewed your case and found that the pay schedule was recently adjusted because the app detected that your direct deposit was posted a day earlier than usual due to the holiday. Based on our previous conversation, you mentioned being paid on Thursday instead of Wednesday. This is why we have made the adjustment to set it to bi-weekly Thursdays. Going forward, this will be followed and a note has been added to your account to alert all specialists not to update the setup.
  
  Additionally, we have refunded the overdraft charge, and it should be reflected on your account today. Regarding the debits, your bank might post or reverse them to us. If this occurs, please reach out to our chat support so we can set a rescheduled date.
  Once the payment is made, your account will be reactivated, and you can continue to use our services. Hope this clears any confusion and looking forward to hearing from you soon. Thank you.
  
  

  Customer response

  09/02/2024

   
  Complaint: 22207269
  
  I am rejecting this response because: your representative wanted to tell me I was wrong when I was right I knew that for a fact and I just said OK so I dont accept your apology because that is ridiculous. You shouldnt allow someone to sit there and argue with a customer. 
  
  Sincerely,
  
  ***************************

  

  Business response

  09/09/2024

  We respect your decision, ****. Were truly sorry about your experience with our representative and the frustration it caused. Its important to us that you feel heard and valued, and we apologize for any discomfort or disagreement during your interaction. We take your concerns seriously and will use this feedback to improve our service. If theres anything else we can do or if you have further concerns, please let us know.

  Customer response

  09/09/2024

   
  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

  08/22/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I used this app called Earnin to borrow money. I gave them my bank account information because you had to have direct deposit. But now that I no longer want to use their service and want remove my bank information; they will not allow me to. I even wanted to change bank account and it would not let me.

  

  Business response

  08/29/2024

  Thanks for bringing this matter to our attention, ******. Please know that this is not the experience we want you to have. Upon reviewing your case, we have confirmed that a specialist has deleted your current bank account on file. You may now add your new bank account information on the app. 
  Should you need further assistance, please do not hesitate to reach back to our chat support team.
  
  

• Initial Complaint

  08/22/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I tried to change my phone number and ran into all sorts of problems. I complied with all of their requirements. I could only connect to a bot. I had no phone number. Now they cancelled my account and I can not reactivate for 30 and can't use same bank. I only have one bank for over 20 years. I would like to talk to a real person. I want to reactivate the account as soon as possible. This is unfair when I only wanted to change my phone number.

  

  Business response

  08/29/2024

  ***, Thank you for sharing your recent experience with us. We understand that you encountered difficulties while updating your phone number and adding your bank to a duplicate account, and we sincerely apologize for any inconvenience this may have caused.
  We see that you have reached out to our support team, and we're glad to inform you that your account has been updated. Once the pending debit is repaid from your original account, you will be able to continue using the service without interruption.
  We are committed to providing a seamless experience, and we appreciate your patience and understanding. If you have any further concerns or need additional assistance, please don't hesitate to reach out to our support team.
  
  

• Initial Complaint

  08/13/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I notified Earnin that I had filed chapter 13. However, payments was not stopped and I was charged $120 in overdraft fees.

  

  Business response

  08/20/2024

  We appreciate you for bringing this matter to our attention, ******. We apologize for any inconvenience you have experienced.  Upon reviewing your case, we found that your bankruptcy request was submitted after the cutoff for debit adjustments.  However, our specialist has processed your request, and your bankruptcy request has been confirmed. Additionally, the fee you incurred has been refunded and this credit has already been processed.
  
  If you have additional questions about this matter, feel free to contact our chat support. Thank you and have a wonderful day.

  Customer response

  08/20/2024

   
  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

  08/13/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I *************************** try to get a loan online through a online company that turned out to be a scam, where they got into my bank account and had fee reversals from the earnin account which they then sent me a qr code which was read by my local ******* and the money was then taken from my joint act. When spoken to the bank the money was temp. Put back in my account but today the bank being ***** deducted the number from the act.. and we r now ******* dollars negative so chase is not covering the loss and if we cannot pay our rent we will be homeless

  

  Business response

  08/21/2024

  Thank you for bringing this matter to our attention, *****. After thoroughly reviewing your case, we understand that your bank account was compromised due to fraudulent activity, which led to the reversal of our debits.
  We strongly recommend that you continue working closely with your bank to resolve any outstanding issues related to your bank account. Please rest assured that we are here to support you with any concerns related to our service.
  Since your bank reversed our debits as unauthorized, we will not attempt to recover the debits until you link a new account or provide authorization again. If your bank has charged you any fees related to our EarnIn debit attempt, please contact our chat support for assistance.
  Should you need further assistance or have any questions, please dont hesitate to reach out to our chat support on the app or our website.
  
  

  Customer response

  08/23/2024

   
  Complaint: 22132786
  
  I am rejecting this response because:
  The bank already went negative ******* negative and it g a raised my direct deposit of ******* this week and there still is a negative 1 thousand and some change...so basically we r paying back money that we shouldn't because we were scammed how do we retrieve the money we lost.
  Sincerely,
  
  ***************************

  

  Business response

  08/29/2024

  Thank you for your response. We understand how difficult this situation is, and we want to help in any way we can.
  

  To clarify, Since the unauthorized transactions were not initiated by us. We recommend continuing to work with your bank to recover any lost funds.

  Please know that we will not attempt to process any debits until you advise us to do so or if you link a new bank account.

  If you need further assistance, don't hesitate to reach out to our chat support.
  

  
  

*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. ↩