Earnin

Debited funds from my account on the wrong date that cause my account to be negative
I did a request on the 15th of April to have my payday advance debited on a new pay schedule, being the first payment would need to be changed from the the 19th to the 26th. I was told that my debit was rescheduled for the 26th and new pay schedule was updated and would take affect once I got paid on the 26th and I was to submit a screenshot or my bank statement showing my direct deposit on the 26th. So on the 26th of April, They debited my account on for the funds and I sent screenshot of my bank statement to them and updated my bank information on their site to make sure they had the information to show my payroll deposit on the 26th and I borrowed the money again that should have not been debited until my next pay which is the 10th of May, but they took it out today on the 5th, causing my account to become negative and causing two overdraft fees.

This company is taking money from my account the day before I'm actually paid. I requested they take it on the day I'm paid instead and was told no.
I had been noticing that my account was using "Free Days" for overdraft every month. I found that Earnin was taking my payday loan amounts out on the day before the money actually posts to my account, causing this problem, so I contacted customer support the only way that I could. Since all they have is chat, I used that. I prefer to discuss such matters via voice, but it isn't available at all.
After sending screenshots of how my pay is posted, they refused to change my payday from Thursday to Friday in their system and are going to be taking my next loan payment out on Thursday of this week and causing yet another overdraft to my account.
I sent them proof that they were doing this, and they still refused to help me.
In my 30+ years of dealing with the public, I have never had to deal with a company only via chat. Also, I have banking and money experience, so I know how the banking system works. I know what is happening with my money.
The agent did apologize for the trouble, but that still doesn't stop what's happening and I don't plan on ever using the service again if I can help it.

Great app and easy to use. Can easily cash out $1XX-XXX if needed before my next paycheck and it deducted automatically out of my next check. No fees, tricks, scams and have been using for 6 months. Very satisfied!

Sent too much money without me knowing exceeding the max
They are only suppose to send 100 maximum per day and not exceed 500 dollars in one week. They sent 300 dollars on the 4/23 which I didn't realize. Until 4/25, they then proceeded to tell me they cannot stop the transaction, and were unable to fix it on 4/26. They ended up taking out $730.50 when they were only suppose to take out $524.50. Which then lead me to now pay late fees on bills I owed on the 26th. They would not resolve the issue via chat when they admitted it was their fault. I have screen shots of all of them.

Poor customer service, they make repeat myself like I'm a robot. All I wanted was to update my account.
All I wanted was to update my old account to a new account that way I can pay the remaining balance and continue to use the app. No I've been talking to a different person for the last three days now I keep repeating my myself like I'm a robot and still they didn't help me. I keep telling them I can't login nor reset my password *** tell me the same thing over and over. I'm even more upset because I finally got in and my new account was updated and I was told to delete my new account and update the old account to pay the balance. I told them several times the old account checking account is CLOSED I can only pay the balance with my new account. I repeat myself constantly and yet they don't wanna help me! Now my account is deleted I can't login I spoken to a woman named Teresa who was trying to help me but her help wasn't good enough because I sent her so many emails showing proof that I can't get in and no reply. I was told I'll get an update through email about making my payment through my new account and still nothing now I have to wait 5 days for someone to contact me?!? And on top of that their policy is not factual...there's nothing on there policy about knowing what to do when owing a balance nor sending a money order. I've send screenshots of my license, my bank statement, and my account activity just proof my account is legit but no I was treated very unfair. I told them they better delete those accounts because I don't want to have anything to do with them anymore. Highly frustrated with what I had to go through for the last three days

They took $100 from my account as if I borrowed money from them and I didn't. Plus I've emailed them multiple times with no response.
They took $100 from me and I didn't borrow money/use the app. So there's no reason for them to take money from my account. And they say there's no fees or charges. So I want my $100 refunded back into my bank account and I will no longer be using the app after I'm refunded.

After being included as a creditor in my bankruptcy, they took $400 from my account two months after I filed which is illegal.
On 2/22/19 I filed for bankruptcy which automatically places me in a protected state from creditors. Earnin was included as a creditor in my bankruptcy and notified of said bankruptcy. On 4/15/19, they debited $400 out of my checking account. Which is completely illegal to do so. When I contacted them to resolve this, they haven't refunded the money and won't answer my support emails anymore. There is no contact phone number for this business.

I SIGNED UP FOR SERVICES BASED ON THE THE AGREEMENT THAT PAYMENT WOULD BE TAKEN ON MY PAYDAY. THEY TOOK MONEY BEFOREHAND AND OVERDRAFTED MY ACCOUNT.
I signed up for Earnin and cashed out $50 to cover a bill on 4/9. I noticed that they marked my payday as every other Thursday, so I contacted them and spoke to *** to let her know of the error. They said their system showed my paycheck went into the bank on Thursdays. I let them know that although it is visible on Thursday, the effective date is not until Friday, so funds are not available until then. They didn't believe me. So then I talked to the supervisor *** and was told to send screenshots. I sent screenshots showing their charge tried to debit before my paycheck causing an OD charge, which then made my gas payment bounce, giving me a second OD charge. They say only a specialist can resolve this, but will not allow me to speak to said specialist.

Earnin caused me to get two NSF fees through my bank for putting through my payday advance loan before my official pay date.
My official pay date is the 1st of every month , if my pay date falls on a holiday I get paid the day after the holiday. I provided Earnin with all this information on several occasions. For the month of April they decided to debit my account on March 29,2019 my paycheck had not yet been deposited. I had $2 available so my bank rejected nothing transactions causing a $31 fee for each. My financial institution which is Arrowhead credit union has been known to make funds available sooner than official pay dates, which in this case they did but not until late in the evening on March 29. Earnin attempted their debits early on March 29. I have been in contact by chat with several
Agents who pretty much just give me the run around and say they will have a specialist get back to me to this day no one has and I started this claim on March 29. I was able to
Chat with one specialist who said this was an error on my banks side so I called my bank and they of course denied fault
And confirmed that they submit debits based on the vendors request. It can take 1-3 days for the debit to go through on the account but they do not base it on when funds are made available. So if Earnin submitted the debit prior to my pay date Then this would be the vendors error. They were very understanding and were able to reverse one of the charges but I am still out $31 for something I had no control of. Earning processed my debit too soon. I have no control of when they do that. I can only provide them with the information and it's up to them to live up to their end of the bargain and debit my account based on my pay date. After all this is a pay day loan service.

I think this is trash they take out most of your money when you get paid and they don't care either especially since I have bills to pay I had to talk to three different representatives and they just gave me the run around I want to close this app but as yet to do so because I have a payout amount t my thing is why do I owe some of my money ? I don't understand I just want to report this app and get a refund of all the money that has been taking from me and close this account. SCAM ALERT!

Double taking payments unauthorized that I didnt do
March 29th 2019

did not address concern
Earnin claimed to have connection problems with my bank. After having this ticket escalated for a week, I still have not heardn an update or a resolution. They will still withdraw money from my account and still claim the connection does not work.

Scam. Worked great for a couple of months, the out of nowhere took $400 out of my bank account and purposefully did not take the remaining $100 so they could put my account on hold, and out of the blue screw me out of $400 in my pay period. I say purposefully because I spoke to customer service on numerous occasions asking why the remaining $100 was not debited as the money was there, set up a new debit, still did not take the money. Thankfully I was able to move some of my bills around and it did not happen when rent was being withdrawn. Do not use, pay day loans are more reliable.

Earnin took out of my bank account what I owe. Then randomly deposited more money even though I did not ask for it. Won't cancel my account.
They say I can't cancel my account until everything done pending. But the same day they take out they put more money back in without my approval.

Anyone here complaining about this app obviously didn't read the rules. It's a great service that survives on tips from its customers. So far it works as advertised and I have had 0 issues. Will update if any occur.

This app takes all your money and you have to wait to only receive $100 a day.
This app is terrible, and I wish I never started it. They take all your money out of your check then you have to wait and only get back $100 a day. I am negative in my account now because they have taken all my check. I need help and I need my full $600 back. I cannot wait every day to just get $100 and have them give me a limit of how much I should be able to get back. I am so stressed out!! I have complained to them many times and they have not helped

Earnin took my money and gave me false information whenever I reached out again they wouldn't help me out.
the problem began on 03/05/19 my account had been put on hold due to a debit of 105, when looking into my bank statement it looked like the had already charged the amount due, but whenever I spoke to one of their representatives they informed me that I still owed them 105, I asked that if I paid that amount if my account with earnin would go back to normal and if I would be able to cashout again, he informed that I would.
I just needed to pay the 105 and everything would go back to normal .
I paid the owed amount and checked my earning account the following day 03/06/19 and the app said my account was still on hold. before reaching out to them I checked my bank account to insure that the amount had been taken out from my bank account, and my bank account reflected that it had, I reached out for a 2nd time and the lady I spoke to let me know that it wouldn't clear possibly until the next day and that everything should be normal again the next day and I would be able to cash out then.
on 03/07/19 I checked the app, and it informs me that I can't cash out until 03/15/19..... I speak to another representative and he tells me that their is nothing he can do, basically my money is gone and they can't let me cash out again bc the app reset itself and he can't do anything to fix that. I asked if he could refund me the amount I had paid to them, and asked why I had been given false information. He only apologized and notified me they couldn't refund me... that money was gone.
after exhausting every possible way to talk him them, I HAVE BEEN LEFT WITH NO MONEY and they won't let me cash out bc the app "reset" on its own, and their is no one to give me more information, bc they don't know much about the app.

Transferred to at least 5 different people to only not get any help and he issue to still persist.
02/06/2019 I received an email from Earnin stating that my max amount that I can cash out was increasing to $350.00 up $50.00 from the previous increase. I was happy about this because I really needed money to pay my rent for the month of March. In the first week or so of March I needed to alter the address for where I work as my office location had changed and I wanted to make sure everything stayed accurate. The next day I tried to make a cash out in the Earnin App so I could pay my rent early. I found that the app stated that my work address needed to be verified and this could be done by me simply going to work and they would track the GPS location of my phone. I went to work and it was a particularly long day and I had to stay over late to complete a project I was given. The next morning the 4th of March I believe; I checked the app ready to be able to cash out and have the money send to me only to see that the cash out option was still not available and the app still showed that my new work location still needed to be verified. I was confused by this as I had worked the previous days and it should have gotten the new address which isn't even a mile down the road. I thought it would be good for me to reach out to the support team and try to get this issue fixed. I was bounced back and fourth between people, I know I chatted with at least 3 different people before I was finally told that within two days of me going to work and having my GPS on that the location would be verified and I would be able to cash out. I thought the issue had been fixed and I would be able to go back to using the app as I had before with no problem. Boy, was I wrong; I went to work the next two days came home each day and on 03/07/2019 I tried to cash out again and it still was not available for me to use.
I was upset at this moment as I had tried over and over again to make sure I had done everything right to be able to cash out and I still was not allowed to. I contacted support again and after being transferred twice, I was finally told that the location had been verified but my "gps signal was spotty" and their system was not able to track properly when I went to work and that was why I could not cash out. I was livid. I was told to switch my phones signal to high accuracy which I had done and to make sure my phone and GPS where on the entire time I was at work and when I left work. I had already been doing this as well. In this one particular support conversation 4 different support associates responded back to me. This made things EXTREMELY COMPLICATED as for each person I had to practically start over explaining my problem, be given all the same information as the previous person and ultimately be told that I would have to wait 2 days. I was asked if I could show computer access to the time system and they could add the time manually. This was not an option so I asked my supervisor to build a time sheet showing my clock in and out times and she did this for me. I sent the time sheet she created and was told that they cannot accept documents such as that at the moment, it would have to be computer access. I again stated this was not an option, not even for my dire/ct superior and was not given any help.
On 03/08/2019 I contacted support again and was again given the same rhetoric, Change my accuracy, make sure GPS is on, etc etc. I asked to speak with a supervisor as I did not want to keep going through the same conversations over and over again and not get anywhere. A supervisor took over the chat as they do not have support by phone call, I informed the supervisor of the issue I was having, how I had complied with everything except showing the punch in and out system and I still could not cash out. He looked over my account and told me that I would need to shut off my GPS when I left work because leaving it on caused over laps in time. I had never once been told that. This is not fair on me.

The app charged me 2 overdraft fees and in the FAQ section, they boast that they dont charge fees
I contacted Earnin on numerous occasions starting on 2/26 (I spoke to *** on 2/26 and July on 2/28). I notified them that I would be switching banks and was told I could contact them to change my payment date as I was waiting on my payroll check to be physically mailed. I contacted them the day before to change my payment date and was then told it was too late and the payment would go through. I told them I no longer had the account and assumed it would just decline the payment. A few days later, I received a note from the bank that these payments were not paid and returned. I received multiple overdraft fees from the bank due to this. I opened a new bank account on 3/4 and immediately added my new info to the app and contacted Earnin to set up a payment date of 3/15 and to ask for a refund of the 2 $29 overdraft fees that Earnin took from my account. My issue was escalated and I received a response telling me they could not refund the fees. I scoured their help section and articles, but found no mention of any fees. In fact, the app states that it does not charge fees at all and that it would refund bank fees if the initial verification process put ones account into a negative. They never notified me first of all that they would immediately take payments from the new account, which then messed up my new account! All I am asking for is a refund due to the fact that they advertised there are no fees AND I did my due diligence in contacting the company multiple times to notify them of my situation.

Earnin is great when it works properly. Unfortunately, that's only some of the time. The latest fiasco is that, after using earnin steadily for several months, I took about a month's break from it. When I went back to it last night, it acted as though it didn't know who I was and that I had not been at work for some time. (I've worked at the same company for over three years and have never missed a day.) If they can't see that you're working, they can't lend you money based on your hours worked. Understandable. But... Why is the app not performing one of its most important functions? I was told that because my job entails leaving my actual headquarter's building, that the gps was unable to track my hours worked. Even though my position has always required my traveling all over Los Angeles daily. Earnin tracked my hours just fine for months -until now. Then the rep accused my gps on my phone of being turned off. Nope. It's always on. Always has been on. They couldn't give a reason why this couldn't be remedied. Because there is no reason. I always tipped the full, suggested amount. Every time. With a recent health issue, I used the app quite a bit, so I was a very regular, reliable customer. Suddenly the app cannot be used by any worker who leaves home base is what was suggested to me. So, if you're a driver, location scout, insurance adjuster, detective, make-up artist, construction worker, or any of the millions of workers who travel around your area during the work day, earnin cannot be used by you.