ComplaintsforEarnIn

• 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

  08/01/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My account was hacked, the used a cash advance app. Got the money and I got charged for it. They wont take phone calls from my bank to verify my info

  

  Business response

  08/09/2024

  Thanks for bringing this matter to our attention, ********. We're very sorry to hear about your experience and the inconvenience it has caused you. After thorough review, it appears that you have made transfers starting 6/27/2024 until 7/2/2024. We strongly believe that we have debited your account correctly. Also, we are still waiting for the documents from your bank. Once obtained, it will be a great help for us to proceed with the investigation in your account. You may always reach out to us once the document is ready. Should you need further assistance, please do not hesitate to reach back to our chat support team.
  
  

• Initial Complaint

  07/31/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  The company is supposed to provide something similar to a payday loan but the fund are not provided again and they still take what would be owed. They do not provide funds but still take funds from your direct deposit.

  

  Business response

  08/08/2024

  Thank you for sharing your experience, ********. Our sincerest apology for the inconvenience this has caused and for the confusion of how the secured funds and earnings in your account work. As we reviewed your account, it appears that one of our specialists reached out to you through phone and was able to assist you further in resolving your concerns and clearing out the confusions. Should you need further assistance with your account in the future, please do not hesitate to reach out back to our chat support team and well be more than happy to assist you.

• Initial Complaint

  07/30/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  THEY HAVE OVERDRAWN MY ACCOUNT!!! For some reason, my pay schedule was changed to Tuesdays which ARE NOT my paydays. Therefore, all the money that was supposed to be paid back on Thursday (per usual) was withdrawn today which has in turn put my account in the negative of $500+. When I contacted the ************ I was told that because one check came early due to the 4th of July, it changed based on that information which is ridiculous! The agent I spoke to proceeded to list all of the dates that the checks had listed which are Tuesdays when payroll is completed however, that does not mean that they are in my account. My direct deposit does not post until Thursday! This practice is both deceitful and supremely lacks understanding of how this impacts someone. I have not experienced any problems with this app until now. I will be canceling my account. I would give this app zero stars after this experience!!!!

  

  Business response

  08/07/2024

  Thanks for bringing this matter to our attention, ******. We sincerely apologize for the inconvenience this has caused you. We checked your account and we noticed that your bank has started posting your paycheck every other week on Tuesday. Posting paychecks a day or two earlier than your official payday is common for many banks. On the same day your paycheck comes in, we want to post our debits which is why the app based the update on your pay schedule on the posting date of your direct deposits with your bank. If you received fees from your bank due to our debits, please reach out back to our chat support team with a screenshot of the fees so we can assist you further.

  Customer response

  08/07/2024

   
  Complaint: 22064428
  
  I am rejecting this response because: With the exception of July 2nd, my checks are not posted (meaning available in my account) on Tuesdays! I have said this many times to your representative. The information that you all have is incorrect. The earliest I receive my balance is Wednesday, not Tuesday. The date of the checks are on Tuesdays but the funds DO NOT become available in my account on that day. I do not know how many times I need to say this to you or how many avenues I need to go through to express this. In looking at the BBB site, it seems that I am not the only one who has encountered this problem with your company. I will be sure to continue to spread awareness about your deceitful practices. 
  
  Sincerely,
  
  *****************************

  

  Business response

  08/15/2024

  Thanks for getting back to us, ******. 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. Employers have official pay schedules, but many banks process paychecks a day or two early. In your case, we have set up your pay schedule bi-weekly on Thursday and we strongly believe that we have debited your account correctly since 07/04/2024 is a holiday thats why you were debited a day before. If you received fees from your bank due to our debits, please reach out back to our chat support team with a screenshot of the fees so we can assist you further.
  
  

  Customer response

  08/15/2024

   
  Complaint: 22064428
  
  I am rejecting this response because:
  
  Sincerely,
  
  *****************************

• Initial Complaint

  07/26/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  My *** to borrow from Earnin was decreased by fifty dollars for the week. I wrote in to ask why. I caught the customer service representative in at least one lie. First I was told that the reason was because of failed debits. I kindly reminded them that the failed debits were in fact the fault of Earnin because they tried to debit my account on the WRONG DAY. When I backed her into a corner with this, the story suddenly changed. She suddenly told me that the reason for my *** decrease was a low bank account balance. But the bank account balance hasn't changed in the last several weeks and my *** had not decreased. Not until this week. No spending changes and I worked MORE hours, so geographically, Earnin should have known I was at work l, earning the money. I called her out on the contradiction and she went silent for about 10 minutes. Then she came back with a third completely different story. Now granted, the third story actually made sense, but because I caught her in at least one lie, I don't know what the truth is! All I know is I really needed to access my earnings this week, for something for my children, and I've got 50 less than I had counted on and I can't seem to get a straight reason why. I am seeking a full refund for every dime I have spent on this company. I don't expect to get it. I just kind of want Earnin to know it's been in a fight. And I'm willing to make life as miserable for this company as it's made it for me.

  

  Business response

  08/02/2024

  Thanks for bringing this matter to our attention, *****. 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. Upon thorough investigation, it appears that your *** decreased due to certain factors. The app determines community members' increase in *** using a complex formula that looks at your financial health and how you interact with the app, so there is no set timeline as to when a community member receives an increase. Furthermore, weve escalated this concern to the relevant team, and a team member has contacted you directly via email to assist you further.

  Customer response

  08/02/2024

   
  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

  07/18/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I had received an advanced shortly after my payroll deposit and I didnt get one the previous week later on it the day they took payment for the advanced on the same day and when I told them they were going to cause an overdraft they proceeded to tell me that I requested a advance before my payroll deposit even sent them screen shots showing them to be wrong and still refused to fix it.

  

  Business response

  07/25/2024

  Thank you for bringing this matter to our attention, *****. We appreciate you bringing this matter into our attention. Weve reviewed your account and it appears that there are confusions with our debits. EarnIn schedules debits for the upcoming payday. However, theres a cutoff time for transfers requested the day before your payday. If you transfer out before 10 AM ET on the day before your payday, the debit will be on the following day. If the request is after 10 AM ET, the debit will be on the payday after next. Going forward, we recommend that you transfer after 10 AM ET to avoid being debited on the next day and be debited on the next payday instead.
  
  For reference, please visit: *******************************************************************************************************************************
  
  Should you need further assistance, please do not hesitate to reach back to our chat support team.
  
  

• Initial Complaint

  07/18/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  On Friday July 5th, Earning charged me two separate times for $104.00. This was unprompted as I have not used their services recently. They neglected to refund me which prompted me to file a dispute. My wife has already attempted to unsubscribe from their services however, they still charged me as though nothing was done. This is unethical and bordering on criminal avtivity.

  

  Business response

  07/25/2024

  Thanks for bringing this matter to our attention, *****. We understand that your account has been charged when you have not recently accessed our services. Weve reviewed your case and found out that the bank account you are trying to link is already associated with another community members account. The recent charges that were posted in your bank are repayments for the Transfer Outs created under that other community members account. Furthermore, we have escalated your concern to the relevant team and a team member has contacted you directly via email to assist in resolving your concerns.

• Initial Complaint

  07/17/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  ar **************************** am writing to express my deep dissatisfaction regarding the current situation with my account. Despite having paid off the alleged $100 debt, I am inexplicably being denied access to your service. To clarify, I never actually used the $100 in question.Furthermore, I am no longer associated with ************ and can not provide documentation proving that I have repaid any owed amounts. It is highly frustrating and unfair that your company is preventing me from using the app due to an apparent oversight on your part.I kindly request an immediate resolution to this matter, as it is impacting my ability to fully utilize the service that I am entitled to access.

  

  Business response

  07/25/2024

  Thanks for bringing this matter to our attention, ********. And we sincerely apologize for any inconvenience this experience has caused. Weve carefully reviewed your account and our investigation has confirmed that your repayment for the previous Transfer Out did not post successfully since it was returned by your bank. Considering youve recalled paying it, well need a copy of your bank statement from April to June 2021 to look into this further. Since your bank account is already closed, you can reach out to your bank for further assistance on getting a copy of your bank statement. Once the document is obtained, please feel free to reach out to us through our live chat support so we can assist you further on this and make adjustments in your account if necessary.

  Customer response

  07/26/2024

   
  Complaint: 22001965
  
  I am rejecting this response because:  am writing to express my frustration and dissatisfaction with the ongoing issues I have encountered. It is absolutely unacceptable that I am being instructed to contact a bank I haven't used since 2021 for documents, especially when it is clear that your company's processes are flawed.
  I have made multiple attempts to pay the $100 fee with my current bank, but your companys payment system is failing to process these transactions. The lack of proper support and communication has made this situation even worse, as it feels like I am paying double due to your inadequate customer service and malfunctioning systems.
  Additionally, the fact that no one at your company seems to speak English proficiently is adding to my frustration. This has only exacerbated the problem, making it nearly impossible to resolve this issue effectively.
  I urge you to address these concerns immediately and provide a resolution. I expect prompt and efficient assistance to correct this situation and ensure that I am not unfairly penalized due to your company's shortcomings.
  
  Sincerely,
  
  *****************************

  

  Business response

  08/02/2024

  Thanks for your prompt response, ********. We completely understand your frustration. After thorough review, it appears that the transfer was sent to your previous checking account linked. Since we need to clarify everything through direct communication, we have escalated your concern to the relevant team and a team member has contacted you directly via email to assist in resolving your concerns. 
  

• Initial Complaint

  07/15/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I repayed my loan early with earnin on the 10th so my account wouldn't be charged again. The they say there charging my bank another 208 dollars. Because of it being payed early which makes no sense. There over charging me and it's way more then they should be

  

  Business response

  07/23/2024

  Thanks for bringing this matter to our attention, *******. We're very sorry to hear about your experience and the inconvenience it has caused you. After thorough review, there are a total of 5 debits that were scheduled on 07/12/2024 but you have opted for early payment for only 3 debits leaving the 2 debits to retain and be debited on 07/12/2024. We strongly believe that we have debited your account correctly. Should you need further assistance, please do not hesitate to reach back to our chat support team.

• Initial Complaint

  07/15/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  EarnIn has been playing with my funds for at least two weeks now and its causing my bank all types of problems. I borrowed $50 from the EarnIn app I paid EarnIn back on the 27th of June and they have been taking $50 repeatedly from my account and then returning and then taking another $50 to where I cant keep up if they have taken more than what they are owed. On top of that I have removed my bank account from their app yet they still have access this is outrageous

  

  Business response

  07/23/2024

  Thanks for bringing this matter to our attention, *****. We sincerely apologize for any inconvenience this has caused. 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. The debit in your account on 6/27 was returned by your bank. Repayment was scheduled on 7/3 and it was posted successfully. On 07/08, you were able to transfer out again and it was scheduled to be paid back on 7/11.

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

  
  

*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. ↩