Earnin Reviews (%countItem)
Earnin Rating
Address: 200 Portage Ave, Palo Alto, California, United States, 94306
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Address: 200 Portage Ave, Palo Alto, California, United States, 94306
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Pay Day loan debited from my account prior to my payday. Now my bank account is overdrawn and I have overdraft fees.
My pay dates have been scheduled for the 13th and the 28th of every month. I have been using Earnin for roughly a few months now and they always debited my account on the correct pay days. This month however they took it out on 2/08/19. Which has caused my account to be overdrawn and now I have overdraft fees. I have contacted them several times and I either get no response or I get a vague one without a solution as to what they are doing to do to fix this issue. All I want are my overdraft fees taken care of. I should not be held responsible for the error on their end. I even sent them a copy of the overdraft fees and a copy of my paycheck stub to show them their error. After reading other people's complaints it looks like they do this a lot to people and maybe a class action lawsuit should be looked into. They have terrible customer service and this is no way to conduct a business. On the website it does say that your account will be debited on your payday not before.
I just want my overdraft fees taken care of.
We're very sorry if we've debited the account prior to the customer payday. We appreciate how difficult it must have been for you to deal with your bank having those overdraft fees. As a resolution, We've corrected the Semi-monthly pays on the 13th and the 28th also we issued $140.00 credit in the account to cover the overdraft fee that our debits caused.
(The consumer indicated he/she ACCEPTED the response from the business.)
I was billed one week earlier than I should have been causing my account to overdraft. I have been trying to get the money back to them for a week.
When I out my information in the app I gave them the information for one of my two bi-weekly paying jobs because one of them is part time and is never enough to cover what I borrow form earnin. Therfore they are only authorized to debit my account when the check from my full time job is in my account. They changed the information in my account without my knowing to "weekly" pay which is not what I agreed to. I filed a claim with my bank so that the charges would not be authorized as this early charge cause me a large overdraft. However, before filing the claim with my bank I chatted with the company (who does not provide a telephone number) and was informed I could not be refunded, I then informed them I would file the claim and that I would need to be told how to provide them with the money I owe on the day it is due. They then refunded me the next day despite the fact that I was told I would not be refunded and my bank also did not authorize the charges meaning I now owe them double of the 420.00 I borrowed. I have been chatting with them for the past week trying to get them the money I owe them and they continue to take days to respond and keep giving me solutions I have all ready tried and resulting in me having to explain myself over and over again. I have multiple screen shots of chats and emails from the past week demonstrating this.
They are a business so a phone must exist somewhere and I don't understand why they cannot debit me from my alternate checking account via phone or simply mail me a bill. However, none of this would have been issue if they did not change my information in the app without my knowledge and withdrawing money when they were not authorized to.
We sincerely apologize for the inconvenience this may cause. We see that our support team was able to get in touch with the customer and currently working on the issuance of the refund. If she still has any further questions or needs help, feel free to contact our support team via email.
Very unhelpful support team and debiting me $100 a day before when I have no money, the next day they take $150 and putting my earnin account on hold
you guys tried to take $100 out of the $250 I was lent from you on January 31st but my paycheck was not in my account yet until feb 1st, and that's when you took the other $150. I want to know why I can't use the app now and why you guys are telling me I owe you $100 when clearly The Whole $250 is supposed to come out at the same time as my check clears, I was told at the time of you taking the $150 I had plenty sufficient funds to cover the $250 as I had ~$400 on feb 1st which was a Friday which my paycheck clears every week, on Friday, why did you guys try to take $100 on Thursday knowing my check didn't clear yet, but took $150 the next day when I had sufficient funds not only for that $150, but the whole $250 I had enough to pay you guys that day why didn't you debit the whole $250 on the 1st like you debited the $150 which I was told by my bank that after the $150 came out I still had over $100 to cover the rest of the debit, and then for this week you let me take out $200 no problem, I paid it off. But I still can't use the app. My paycheck itself was $291, I made 2 $20 transactions that day which left me with around $305-310, then I had another transaction, ~$16, but was still left with sufficient funds to pay the full $250 as normal, but instead I'm being extorted for $100 dollars. I really really really need help, my bank recommends that if I can't get it contact with someone on your end then I should clear all account info and change my account and routing number, and never use the app again. If I get the right help this can be fixed, this was your mistake and you guys have to fix it, this is the first time I've had a problem making the payments, and I had more than enough money to cover it this time. You guys post the debits on Thursday but I never have enough on that day because that's not when my paycheck comes in, that's when my paycheck is posted, ready to clear at midnight. If I had insufficient funds to get cover the $100 on Thursday, but the other $150 came out the next day, was there a miscommunication or a email or message or notification I missed asking to reschedule the debit, which if so, and had I known, got back in contact to schedule it for the next day with the $150. But why any other time I had insufficient funds on Thursday when the debits post, the funds didn't come out nor were they cleared until the next day when the paycheck comes in. Never have I had any of the posted debits clear on thursdays, they only sit on my transaction record greyed out along with my paycheck until the next day when the paycheck clears, and there's money to actually take out, I'm meaning I've never been debited on Thursday before while having insufficient funds, I can't be overdrafted I opted out of those, so you guys can't take money out unless there's money in the account, and had the debits been taken out after the paycheck lands or funds are available as normal, then you would've gotten the full $250 as normal, because I had the money to fully cover it from my paycheck, which again was $291. My account was overdrafted because of this.
I've even talked to another support member, in the conversation I talked about my payday being Friday and to send a screenshot of my latest paystub, earnin claims they want to correct this for me, and I did contact a support member to help me get it fixed and correct, but it's obvious nothing has changed because you took the money out on Thursday, and like I said usually the money can't come out until there's money and since my paycheck posts on Thursday and clears ~10-11pm or early Friday morning (midnight), the app would usually not take the money out until the next day, as stated in your help articles, there was obviously an error on your end, because this mistake does not match with previous weeks (with no mistakes, everything was fine, paycheck posted a day early, lands late Thursday or Friday 12am and the debits are taken out as soon as funds are available.)
I want Earnin to take their time and actually read my complaint and see that there were 2 errors on their end, which even my bank which is a credit union said in a phone call earlier that even after 3 transactions, there was enough to take out the $250 as normal, they usually never actually try to take the money a day before my paycheck because there's no funds to cover any payments, so it clears the next day when my money comes in, if earnin had carried out usual tasks and repeat what they did with the many previous successful weeks with earnin where the money loaned by earnin appeared to come out of my account when my paycheck landed and had the full amount to take out, as I did last week, and this week, I was able to cash out $200, when Friday came around, the full 200 was paid. So why after my funds were "insufficient" because they tried to debit me too early, am I allowed to take out $200 and have the debits come out FRIDAY, which I may have mentioned that I spoke to a support team member about fixing my payday and what day my payments are supposed to come out, but it appears as I check today that I'd merely been listened to, as it still says my paydays are Thursday's. This may have been prevented and I wouldn't "owe" you $100 had my problems been properly taken care of and better communicated with. It seems like most of the time you just get a prewritten message that looks really nice and helpful but it's actually useless. I will not pay the $100 that I'm being told I had insufficient funds for, because there were errors, miscommunication, and lack of action. Now that I think about it I was only told he would fix it but I never got a confirmation on that, but I do have pretty good reason to believe that no action were taken to begin with. I strongly feel the $100 debit should be forgotten about, as I will not pay for your company/employees mistakes.
We want to apologize for the miscommunication, but we're doing our best to fix this issue. Our Support Team reach out to the him to ensure that we updated his pay schedule saved as Pays every week on Friday. Holidays always pay the day before. Also, we're able to reschedule the debits for the remaining balance of $100.00 on March 1st. Once we see that post successfully, we can assure him his account will become active again and he will be able to use the app.
Negative bank account and no action from them
I have been using the Earnin App for a while now with no issues. My paydays have always been every 2 weeks on a Friday. My next paydate was to be on 2/8/19 and they withdrew over $300 out of my account on 2/1/19 causing my account to go in the negative. There were 3 transactions all together for the total of the $300. One of them was returned due to non-sufficient-funds in the account. So my account was charged two NSF fees of $35 each and then on top of that it was then charged a return check fee of $35. I have contacted the company over 5-6 times asking them to resolve this issue. If they had not taken the money out of my account early instead of on my payday like they normally do then this would have never happened. I have heard back from one person on 2/1/19 the day that it happened. I have submitted to them the snapshots of my account proving to them that this had happened and still no response.
All I want is to be credited the $105 to cover my two NSF fees and the one return check fee that would have never happened had they taken the money out when they were to have.
There was an issue on our end that updated the customer's pay schedule automatically to a different date. However, we see that our support team has worked with her and corrected the pay schedule, and issued a total of $105 refund last 2/8/19. We've also informed her that she can contact our support team in-app 24/7 if she needs further assistance.
(The consumer indicated he/she ACCEPTED the response from the business.)
After me contacting the Revdex.com they finally contacted me and resolved the issue at hand. Thank you for your assistance.
The app charged my card 3 times for 32$ when I can even get that much off at a time . They keep asking for same info I already gave.
I have been using a earnin app for over 5 months and never thought I had a problem until for on 1/10/19 . They had charged me 32$ even though the amount I can only take off is a minimum of 50$ . I messaged them and they kept asking me for them bank information I already gave them in 2 different forms. Now fast forward until yesterday 2/7/19 and they charged me again for 32$ when they also took the 50$ I owed. So I go to my bank to get statements and it also showed it took 32$ out in 12/13/18. So obviously I messaged them wondering why I kept getting charged on once again they put me on a loop asking me for statements I already sent .
I would like a refund so I can just get rid of the app altogether. I have screenshots and bake statements of them even taking charges out before and Putting my card in the negatives. I thought this app was supposed to help people not put people in the negatives for charges I haven't even used
Upon thoroughly reviewing the customer's chat sessions, screenshots provided and account, it appears that we're not able to refund the fees that resulted from spending past the available balance in the customer's bank account. We've also sent an e-mail last 3/5 requesting for additional documentation but haven't received any correspondence yet. He can always reach support 24/7 in-app if there are further questions or concerns about the matter.
Possible Fraud attempt on my account Creditor refuses to close my account for my safety.
I Received random e-mails saying that they were having trouble logging me in. I never attempted to login. I contacted the company and told them what was going on and they are refusing to close my account. I do not owe them any money I am simply attempting to prevent my bank account from being illegally accessed. They have prevented me from closing it until I provide them with updated bank account information. They do not have a phone, the only way to contact them is through e-mail or chat. I asked or implied that I wanted my account closed 10 times in one conversation. I JUST WANT IT CLOSED TO PREVENT FRAUD.I feel like they are violating my rights by refusing to close my account and leaving it vulnerable to fraudulent activity. After I contacted them and let them know they should have complied with my request.
CLOSE MY ACCOUNT AND SEND ME A CONFIRMATION THAT IT WAS CLOSED
We understand that the customer contacted us to immediately close the account. We sincerely apologize for the issues *** experienced, and have closely looked into what happened. Since she's not using the app for quite some time and she just logs back in, automatically she will be asked to re-enter her bank if she still wants to use it but she can ignore it then proceed on closing the account. However, those messages she's seeing in the app at that time will be sent to her email for security purposes. We can assure the customer that no one's trying to log in on her account. Also, our support team reached out to her regarding a confirmation on her request about the closed account. If ever she didn't get it please contact us through ***@earnin.com.
When I chat with customer service, my chat gets disconnected SEVERAL times before I can get a some what credible answer. I'd be in the middle of the conversation, and boom a new person. My bank balance doesn't update regularly after I cash out, but once I've maxed my cash out my bank balance updates every few hours. If you didn't know, that makes it impossible to increase your Max cash out. I tip on a regular, even when I don't feel you guys earned it. It's a convenient app, but a pain in the (you know what) .
This is not the type of experience we'd want anyone to have, good thing that you brought this to our attention, Tyquanda. Regarding your bank balance, It, unfortunately, takes some banks 1-2 days to confirm the info for us. That's why we highly encourage our customers to send us a screenshot so we can speed up the process and they won't have to wait as long to cash out!
Addition to that, We see that our support team was able to help you about how our maxes work. For reference, you can also see it in our Help Center, and section 6 of our Terms of Service users must agree to before using the app. A few days before someone's payday, our system will determine if there will be a Max increase or decrease, and the user is sent an email letting them know about any changes at that time.
If you have any further questions or needs help, you can contact our support team via chat or email.
But my chat gets disconnected EVERY time I reach, did you acknowledge that? when I send my screenshot, someone says "the system does it, and we can't adjust that manually" did you acknowledge that? If you see the HASSLE I go through with customer support in the chat and with my earnings being entered, balance updates. why didn't you acknowledge that? And I know I agreed to the terms prior to signing up, but the customer support, doesn't support. Did I agree to crappy customer service? Your system seems to have the most issues when it's time to cash out again. Don't reference me to terms that I read prior to signing up to make your company look better for the horrible customer service.
Earning drafted my account 1 week early and wont respond to me after I requested they refund the fees and fix my account
On 02/04 my account was drafted for 4 separate payments, *** and 56. I received *** in NSF charges. I contacted support today, they reset my pay dates to the correct dates but didnt reset my max amount, I was at 350, Im at 100 now so that means when payday comes I will be at a 250 loss. Additionally, they refuse to respond to me about refunding my account the *** in overdraft fees after I supplied a screenshot of the drafts and fees incurred. No one will respond
Refund the overdraft fees and reset my max limit to what it was before the system changed my pay dates
We sincerely apologize for the issues *** experienced and have a closer look into what happened. We issue a credit for *** to cover the overdraft fee that our debits caused. Also, we adjusted her max back to the *** plus we remind, the customer that we have scheduled her debits accordingly on 02/25/2019 for the amount of *** The customer agreed that she will pay the remaining balance. Though she decided to deactivate the account we're always here to help her out if ever she changes her mind.
(The consumer indicated he/she DID NOT accept the response from the business.)
I told the business I'm not paying the 6.00 "tip" and I meant it. The costs I incurred on their behalf extend past the overdraft fees they refunded
We have credited back the $6.00 tip to the customer's account that should post on 4/3/19. Support can always be reached anytime in-app 24/7 or by sending an email to *** if any further assistance is needed.
So far I haven't had any issues with them or my bank I enrolled just Incase I was short on money and I took a few hundred out a few times and received the money in the matter of seconds I'm not enrolled into the shield at the moment and probably won't do it but so far it's been great I've also recommended it to a few others as well
Thank you so much for the excellent review! We're really happy we're able to help and for spreading the word! If you have any questions about the service, you can always reach our support team in-app 24/7.
If you enjoy overdraft fees and no customer service responses, this app is PERFECT for you! I contacted Earnin customer support 6 days ago to inform them that the app was debiting my account before my pay check hit my bank account which was causing overdraft fees. I was instructed to send a screenshot of my pay stub. Sent my pay stub 5 days ago and my pay cycle was STILL never updated. Fast forward to this morning, they took the money out of my account before my pay check hit my account AGAIN. I now have $150 worth of overdraft fees and NO ONE is contacting me with a resolve. The most frustrating experience and worst customer service.
Company withdrew money prior to the due date, overdrafting my account.
My payday is the 25th of every month. EarnIn withdrew the payment on January 25th, as expected. I re-borrowed the money over the next 5 days, totaling $500 and included a tip on each withdrawal. As of February 1, 2019 - EarnIn withdrew the balance from my account prematurely, resulting in my account being overdrawn.
I contacted customer service via the site at 10 am on 2/1/19 to get them to reverse their transactions, due to the fact the money was there to cover bills that will be withdrawn from my account. At that time, it was *** that I spoke with via the chat. I submitted the documentation to the first rep showing where they had withdrew the money. I was told that my account was being referred to a credit specialist and the issue had been accelerated and to wait for an email from them. After 3 hours, the only email I received was that my payday had been corrected. I contacted customer service again via the site, to find out what the status was on reversing their transactions. The rep (***) gives the same spill that I my issue has been sent to the specialist and they are working on it. When I asked would EarnIn cover the future/pending additional overdraft fees I will incur, due to there error - the rep kept saying they needed documentation from me showing them. How can I provide documentation of the future overdrafts if they haven't occurred yet? My account will be overdrawn $*** due to their error and they aren't willing to correct it expeditiously, to not cause any additional financial hardships.
I provided them with the statement from the bank showing the transactions from today, what my account is overdrawn and my check stub proving my payday (in which I've been doing business with them over a year and have the same job so they have records of what my actual payday is).
In less than a week, EarnIn has withdrawn over $*** from my account. This is not ok. Reversing their actions would correct any issues that will occur. Instead, I feel as though I'm getting the run around and now I have to worry about ruining relationships with other businesses bc of this.
Reimbursement of all overdraft fees received due to this error.
Upon checking the account, we see that the customer was debited on Feb 1st due to pay schedule being changed. Our Support team reached out to her to address this properly and quickly, she needs to provide any images showing the incurred fees after we debited the account? It'll also be helpful if the screenshot shows detailed information about the fees if ever there's any. Once we're able to see that we can assure the customer that we're going to process the refunds. We highly encourage her to please contact us through ***@earnin.com.
Wow earning app just has an excuse and come back for every negative review instead of a solution its never their fault its either the banks fault or the customers what a horrible way to run a business no one going to want to use your app with this many negative reviews I sure don't want to
worst customer service and app ever!
I signed up and within a month I had to change my bank I gave them the information to my new bank. I did borrow money and told them not to take what I borrowed out of my old account and that I had money in my new account to pay I was told they would not accept that and that they would be taking what I borrowed out of my old account which would have overdrafted that account so now with the new account it keeps signing into my account it seems like every hour all day I get multiple emails oops I can't access your bank this is causing me to be locked out of my own bank account I have to call my bank prove who I am get my account unlocked each and every time I called a total of five times just in one week to get my account unlocked because they keep signing in and messing with things they have no phone support So everything's by email and by text I have asked multiple times to close my account they keep saying that my my information is not verified Etc I have provided everything that they have wanted and they still will not close my account worst app and customer service do not download
I had just downloaded the app..after reading the reviews I changed my mind thank you guys for the reviews...
Sent Earnin an image of my earnings for 01-28-19. My pay period runs from Monday to Sunday. I am paid for these earnings 02-07-19. Money taken Jan 31
Earnin offers payday loans for Grubhub drivers. Grubhub drivers are paid via direct deposit on Thursdays for earnings from the week prior from Monday to Sunday. I sent Earnin a screenshot of my earnings from 01-28-19. I chatted with support 1-29-19 and was advised I needed to send screenshot of my last direct deposit and last debit from earning. My last direct deposit was 12-20-18 and my last debit from Earnin was 12-20-18. I received a cash out credit from Earnin 1-29-19. I expected my bank account to be debited on my next paydate, which is 02-07-19. Unfortunately, Earnin debited my account 01-31-19 a week before my paydate. This resulted in an overdraft in my bank account because I am not scheduled to receive pay for earnings from 01-28-19 until 02-07-19. I contacted Earnin via chat and communicated with *** and a supervisor. They informed me that they cannot credit my account and reschedule the debit to 02-07-19. They said I would have had to contact Earnin two days before the debit was made to reschedule the debit to 02-07-19. Ultimately, their app has a serious programming issue because I should have been debited on my next paydate 02-07-19, not 01-31-19.
I would like my bank account to be credited the $71.00 today and the debit rescheduled for 02-07-19. I would like my feedback to be submitted to the developer team to resolve the programming issue that causes Grubhub drivers to have their accounts debited before the scheduled pay date.
Upon reviewing the customer's chat session, we see that our support team explained further how we schedule our debits. Since we send out the request to the bank for processing ahead of time, we would need at least 2 business days prior to the actual date for those to be rescheduled in the system. It was also mentioned that we debit the cash-outs for what they already earned from their previous worked days since that's how the system sets the pay schedule, and we work separately from their employers. The pay schedule was also confirmed to them via e-mail upon completion of the set-up, and the app also has a calendar view available where our customers can check their upcoming debits and as well as the amounts. Push notifications are also sent via the app a few days before the debit date as a reminder.
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept Earnin's response. The fact is I sent a screenshot of earnings for Monday 1-28-19, the app did not have my pay schedule programmed correctly because I am paid on Thursdays the following week of earnings. The pay period are Monday to Sunday. The correct debit date should have been 02-07-2019. Earnin clearly debited my account early without prior notice. I incurred a overdraft fee over this and they offered no reimbursement or credit to take responsibility for their programming defect.
Statement Response
"The pay schedule was also confirmed to them via e-mail upon completion of the set-up, and the app also has a calendar view available where our customers can check their upcoming debits and as well as the amounts."
RESPONSE: I suggested to support to implement a feature that transparently indicates the upcoming debit schedule. At the time in question this was not an active feature.
"Push notifications are also sent via the app a few days before the debit date as a reminder."
RESPONSE: There were no push notifications active at the time in question for the app.
(The consumer indicated he/she DID NOT accept the response from the business.)
RE: The calendar feature was not active during the time in question. I made the improvement suggestion and they added it after I provided feedback. Lie #1
Also, I have no email from Earnin about my overdraft fee documentation. Lie #2
Also, Earnin purposely did not send me a transcript of the chat messages to support on purpose because everything I am saying was discussed in the chat and proved they did not have a calendar feature.
I deleted their app after this incident.
We really appreciate the customer's response and thoughts about our app. We would also like to apologize for the confusion. Our calendar feature was already present at the time when the app was introduced. This feature helps our customers be reminded with their debit dates, and she can always check the previous versions of the app from the play store for references. We can also provide a copy of the e-mail correspondence we sent her, requesting for additional information regarding the overdraft fees last April 3rd. Notifications are also explicitly sent through the app as well days before the actual debit date.
This company needs to be looked into. You need to not just take their responses at face value. Sure, they have excuses for everything.... but that's all they are. Excuses! I'd bet there are some people that would be willing to get in on a Class Action lawsuit. I know I would.
After revoking the rights for this company to debit my account, per their terms and conditions, they did it any way. They didn't just do it once, but 10 times, causing $300 in over draft fees alone to my account. When I emailed the back on that they said they would look into my request..... It wasn't a request. I revoked your privilege of accessing my account. You violated your own terms and conditions. A week later there is another debit to my account, for $50, and another overdraft fee of $30....... ARE YOU SERIOUS! You sent me an email 4 days before, stating you wouldn't be accessing my account....... but you did! I intentionally left this account with a $0 balance. I had a feeling you would go back on your word... It wasn't the first time. Then, I emailed you and you sent some ridiculous response that had very little to do with my email. Maybe you should read the emails before you respond? What do you plan to do about the $330 in overdraft fees I was charged by my bank, because you violated your own terms and conditions??
You also blame customer's banks for issues that are yours. I know this, because I spent a great deal of time on the phone with my bank, only to discover your "communication" issues were yours..... not my banks. This happened a number of times. I see from the reviews, I'm not the only one. If you don't have a program that actually works, then don't roll it out! Fix your issues, before you start causing trouble for more people.
Word to the wise....DO NOT USE THIS COMPANY. This company is not in the business of helping. They are dishonest, and in my opinion shady.
Their FAQs claims the will refund an overdraft fee if you can prove it was from. them. Instead they give you the run around passing you around.
I was charged an overdraft fee that was proven to them to be their fault. Now they are trying to pretend that they don't understand what is going on. I have proven many times over that this was their mistake.
I demand the refund of $32 that was caused due to their negligence.
Apologies for the delay issuing the credit as promised last 02/08, We can assure her today we issued the credit for $32.00 to cover the overdraft fee that our debit caused. We also sent an email to as well, We look forward to hear from her soon.
Earnin has horrible customer support. They do not offer an phone support only chat or email that is uneducated and not helpful at best and dismissive at worst. The platform is not designed for teachers who get paid for 12 months but work for 10. They offer no options during the non working months that are still paid. Also the Christmas season where a teacher has a different pay day thru off there system so bad it took 3 days of chatting for at least 45 min a day to get it resolved. They also indicated to me that salaried employees are not something that is really compatible with their platform since they don't receive time sheets. Wow terrible.
Thank you for your feedback. At this time, Lightning Speed is the only option for salaried workers, and this feature will only work when the community member is at their work location. We understand the trials our educators face in prepping for classroom education and personal financial hardships, and for the time being, this is the best solution we are able to provide. We appreciate you sharing your experience and will take this into consideration as we work on further Earnin app features and tools.
They are the worst!!!! First of all they send you a verification thing to your account so you know which account they will be depositing the money into. However even though they sent me the verification to one account they deposit the money into an account of mine that was no longer active and has been closed for several months!!! My bank returned the money to them since there was no was no account to accept it in and now they are saying they are going to charge my active account when I never even got the money!!!! .I have been dealing with their BS chat system every day for over a week now and its an absolute nightmare!!!!! They made the mistake and they are not even trying to fix it!!!!! STAY AWAY FROM THIS APP!!!!!!!!!!!!!! AND THEY HAVE NO PHONE SO IT IS ALMOST IMPOSSIBLE TO GET ANYWHERE WITH THEM
Since we don't have a live connection with the customer's bank, we don't receive updates instantly and we're sorry if it took too long to provide the necessary information she needed. Upon review, the -7306 was the account on file at the time the customer cashed out. She later switched to the -6007 account and her card was verified. We have not debited her account at all. The debits she sees in her -7306 accounts are her bank reversing the credits. This issue has been resolved.
We're really sorry for the inconvenience!
If any further information or assistance is needed, our specialists can be reached at ***@earnin.com.
Overdraft charges on unauthorized transactions
Earnin withdraw $450 out of my account cause if me to have $145 in overdraft charges. This funds were not approved to be withdrawn on Thursday 1/17/19. Funds were authorize to be withdrawn on 1/18/19. I contacted the Earnin and advised them of the issue. As requested I sent pictures of the transaction and emailed it to them on several occasion. I was told that I would be receiving a response from their escalates complaint office regarding date of refund. I havent received any response on the messages sent through the chat no via email.
There is no way to speak to the company via phone making the issue more difficult.
I only want my $145.00 refunded as soon as possible.
I would like $145.00 of overdraft charges refunded to me.
The company refunded my funds and fixed the issue with my account.