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
Phone: |
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Web: |
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Add contact information for Earnin
Contacted the company to close the account
Told them not to debit my account anymore did not get a response
All over draft fees need to be refunded an I want my account with them close immediately
Refund close account
Latonya communicated with our live-chat support team on 12/30/18 stating to no longer debit her account since her balance was negative. She had a pending debit we still weren't able to recover on her 12/28/18 pay date so we rescheduled that to be debited 1 year out, allowing her enough time to contact us once she can pay it back. Once she's able to repay us, we can then schedule the payment, and her account hold will be lifted allowing her the option to either close her account, or continue to use the service if she wishes.
In summary, I wish to cancel my account with the business and they are not allowing me to do so.
I have been using the Earnin app for maybe the last 2 month. With reasons of simply deciding I need to be more patient on my date of pay, I decided to attempt to cancel my account on December 23. However, it claims I am unable to do so because of a pending transaction with my bank. I contacted customer service via email and a woman by the name of *** replied. She claims that I am still owing for my most recent cash out with the company which was a total of $50. I then took a screenshot of my banks transactions showing her that I had cashed out on December 20, and Earnin then collected their $50 back the very next day on December 21. I also clearly pointed out that these transactions are not pending. They have been posted. I have been emailing back and forth with ***, and another representative named *** who I have also explained the situation to and have provided proof that the company has been paid back. *** explains (not very detailed at that) that the transaction I'm seeing is from my cash out on November 24, and that I will be charged on January 4 for my cash out on December 20. Charging me $50 once again. I believe that will leave me paying $100 for a $50 cash out which is absolutely not what I signed up for when I created an account with this company. I will be glad to provide any emails exchanged back and forth by myself and the representatives, as well as the screenshots I have already provided to the company that clearly shows they have been paid back.
I simply wish to be able to close my account with this company, and to know that I will not be charged an additional $50 on January 4.
account is currently closed, so unfortunately we're unable to review the dates of debits and credits in the transactions. However, we can see last interaction our support team had with Cody was on 12/30 and he has since not messaged us back stating if he was debited on 1/4. Cody can follow up with our specialists if there are any outstanding issues by emailing ***@earnin.com and we'd be happy to assist him.
I opened an account with them, they advertise that it's easy and you can get money right away when you work, I never received my money
I told them over and over again I never got the money they kept telling me to send me screen shots and gave me the run around when all I wanted to do was close my account. Then tried to get me to stay and said they fixed it, but never did and now I can't close my account because of pending activity. I'm confused why they advertise it's so easy but it's not and not one customer service representative can tell you what's going on or the truth. I'm not paying them for money I have yet to receive and they refuse to close my account
I just want either the money they promised that when into my account or fix the issues so I can close my account
After reviewing *** account and support tickets, we see that our credit did successfully post to his checking account on file ending in -***. Our credit is visible in his banking transactions on 12/21/18 titled, "CREDIT FOR EARNINACTIVEHOUR PAYMENT CO REF- ***". If he'd like for us to schedule a 3-way call with a supervisor, him and his bank, he would need to contact support again for the request so we can setup a time/date ensuring he sees our credit in his account as well.
the Company debitted my account early, overdrafting my account
The company advanced me $100 with an agreement to debit my bank account on 12/31 when my direct deposit hit my account. Instead, they debitted my account on 12/27 overdrafting my account.
I want a full refund
We reviewed ***'s account carefully, and her bank transactions show our debit of $100 posted on the correct date, 12/31/18. It can be viewed in her transactions titled as, "EarninActivehour PAYMENTRET *** WEB ID: ***". We believe once her bank received our debit file, they may have been using the scheduled debit against her total balance causing the issue she saw. She would need to contact her bank as to why they were pending a debit against her account balance that wasn't actually scheduled to post until 12/31/18.
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not find this response satisfactory because my account was not debited on the correct date of 12/31. My account was drafted on 12/27 causing my account to overdraft which is what this app is supposed to protect against. Furthermore, customer service is extremely hard to get in touch with to discuss any issues that arise, which I'm sure is intentional. There are several complaints about this company overdrafting accounts early for a reason! I want all my overdraft fees refunded immediately due to this companys negligence. Thank you.
One of our specialists emailed *** on 1/31/19 to get this straightened out. Since we're seeing on our end that our debit posted on 12/31/18, we'll need to chat with her and see if that's showing different on her side. If there is any discrepancy where our debit posted on the incorrect date resulting in an overdraft fee, we will refund 100% of it.
This company is terrible. This time they took 100+$ out of my bank account without valid reason or proof and have not responded to my 4 emails
They have not resolved or explained the issue as to why they took 100$+ out of my account and I am very angry and feel unsafe for them to have my bank information. This is one of the numerous times they have disrupted my finances for no reason other than their app/software/validation services. If their app or product has a problem they need to correct it and do right by the customer instead of constantly blaming their product and telling me to wait. I have had many angry moments with this app but this is by far the most illegal violation I have ever had from any company.
I don't even know if I can call this a refund since I NEVER received anything. They just STOLE money out of my account without cause
I want all my 109 dollars back. My account. My bank information eradicated from their records so they can not do this to me again
Unfortunately, at the time Marcus reached support, we had an increased volume of tickets causing longer than normal wait times. However, after reviewing his tickets and account, we see his account was debited $106 on 12/28/18 from a Balance Shield initiated cash out. Balance Shield is a feature customers can opt in or out of upon account setup. This feature automatically sends $100 to the customer's bank account if our system detects their bank balance falls under $100 to avoid potential overdraft fees.
So, since this cash out wasn't customer-initiated we believe is what caused the confusion. Our credit of $100 posted to his bank account on 12/20/18. Here's a link from our Help Center with more information about Balance Shield: https://***.
Company took out money from my bank account without permission
Company took out money from my bank account without permission I want it refunded and my account closed
Company took out money from my bank account without permission
When a user cashes out in the app, we automatically debit their bank account on their next payday. If we're unable to debit the users account on payday due to insufficient funds, we'll try reattempting once there's enough money back in the account to avoid any overdraft fees. We reviewed Vanessa's account and support tickets and confirm that we did not attempt debiting any additional money than what was already owed from the cash outs the user made herself in-app. Our Terms of Services agreement can be viewed here: https://www.***.
Account debited after auth was revoked to debit account
I messaged Earnin over 5 times with no response. Moved debit date. Had family emergency and requestes I mail in payment to palo alto address. Got a message insicating they are working on requeat and was rold bank needed to reverse charges. My bank does not reverse charges. Acxount was still debited after auth was rwvoked. Now overdrwan over $500 dollars
Refunded all 5 nsf fees of $175 and debit of $500 refunded as payment is going to be mailed.
Since we're required to send our debit files a few days before the scheduled date as per the bank's requirements, we're unable to reverse the debits at the time *** notified us. However, we will refund any overdraft fees our debits caused. One of our supervisors has reached out to *** in regards to processing a refund for overdrafts, and is currently awaiting her response.
I have a problem with my account being debited the day I get paid yet 2 days later I still have the app saying trying to verify with bank. If you got your money how is it not verified? Then when I send screenshots it takes like 2 days to get any response. By then I might be negative because I have bills yet they won't let you debit then. It's a helpful app yet they are really messed up in the way they do things.
Since we don't have a live connection with your bank, we don't receive updates instantly. So, although our debits have posted successfully, until your bank sends us the update you won't see this change reflected in your Earnin account. This is why we allow users to send screenshots to support so we can manually update your account allowing you to cash out again. We recently launched live chat in-app so we can respond to your inquiries much faster, improving response times drastically.
My bank account was debited for $105 on 12/21/18 for payment for a cashout of $100 on 12/19/18 that I never received.
My bank account was debited $105 on 12/21/18 for payment of a cashout on 12/19/18 for $100 that I never received. Contacted their customer service and was asked for proof of the debit. Provided this proof to over 5 people and was given the run around saying my cashout had posted when it clearly hadn't. Was told to contact my bank which I did, and was told that no deposit or payment had been made for $100 from them and nothing was pending. When I finally was able to get ahold of someone was told I had to wait for specialists to complete an "investigation" for me to receive a refund for a payment that was taken for funds I never received.
I would like a full refund of $105 that was debited to my account on 12/21/18 for the cashout of $100 on 12/19/18 that I did not receive.
After reviewing *** account and support tickets, we see that our support team sent a $105 credit to her account on 12/26/18. This was sent via *** and posted on 12/27/18 in full. Her account has since been closed, but if any further questions or assistance is needed support can be reached in-app 24/7 or by emailing ***.
Pulled money out of account to early causing 3 nonsufficent fund charges. Its been 2 days and they have not refunded me the nonsufficent funds charges
I have been using this service for about 2 months now, they never pulled money out before my check until this last pay cycle, this caused three $27 non-sufficient fund charges at my bank.
They admitted it was there mistake and were forwarding to a specialist. There is no one to talk to via phone and they don't give you a time frame for the matter to be resolved.
They told me I would receive an email from a specialist. It has now been two days I have not received an email I asked them if it would take a month to be resolved and the lady replied via chat "probably not, Im sorry I cant give you a time frame we have forwarded it to our specialist." I have seen that this has happened to numerous people without it being resolved for over a month. I can not wait a month considering it was a total of $81 lost. I need to be refunded due to it being their error by charing my account too early.
This company needs to refund me the $81 I was charged for having non sufficient funds in my account, due to them charging my account before I was paid.
Unfortunately, when a bank posts a direct deposit later in the day we have no way of telling when they release it, we only know the date it should post. We send our debit files to the bank to post the morning of the pay date. In this case, *** bank didn't post his direct deposit until later in the day, and our debits had already posted to his account resulting in overdraft fees. As courtesy, we refunded a total of $81 on 12/22/18 for the fees incurred. We've also updated his payroll to reflect the next business day to avoid this issue from happening moving forward.
My experience has been similarly negative to many others here, and I'm sure the company will come up with a PR response exscuse as to why it's my fault. First transaction went fine, but upon trying to debit back the money from my account, they tell me my account is negative. It is not, and they even show a positive balance on my account in their app. They did not put the debit in on the day I was paid like they say they will. Now, I'm waiting for slow customer service to essentially blame me for their problem, or just straight up say they don't know. I want to just pay back the money and close my account, but now I'm in the runaround loop and without phone customer service, I don't have a good feeling about how long this will take to resolve going back and forth. No better way to make people who are having a hard time financially feel worse than screwing with their money I guess. I wish I'd trusted my gut and never signed up for this.
We apologize for the miscommunication and frustration of this event. If you are still having issues with your account, please feel free to reach out to one of our community advocates. Thank you for this feedback
Never recieved supposed cash out of $100, they are debiting my account $100 + tip for money I NEVER received tomorrow (payday).
I tried this app for the first time last week as I am tight on cash, having starting a new role at the company I work and recieved no commission this pay period. I request a "Cash Out" of $100 last Friday, and have yet to see the money be deposited into my account. I have reached out to support both over chat and email dozens of times, to only get a single canned response telling me that the money was sent. I contacted *** bank, who said I had no pending transactions. In short, I feel this app has scammed me out of $100 + tip, by never sending me the money and now deducting it from my account tomorrow (payday). Today, in a last ditch errors, I tried to close my Earnin account entirely to prevent them deducting money that they never sent me. The app told me they can not close my account (which I made sure to let support know). Please help me- no one from Earnin will actually help me let alone respond to my dozen requests about not receiving the cash out at all. Thank you!
I would like the $103 to NOT be deducted from my bank account tomorrow, given I never recieved the $100 I originally cashed out last Friday.
After reviewing*** account and support tickets, we see that the $100 cash out was successfully deposited to her bank account on 12/10/18 and the transaction is titled "EarninActivehour ***". On 12/16/18 support requested a screenshot from the user displaying the banking transactions to show where the deposit can be found, but no response was received. *** has since cashed out again with us, and we haven't heard anything back. We'd be happy to help further with this, she would just need to send a reply to her support ticket, or open a new ticket at any time.
Incorrect withdrawal dates assigned.Won't correct pay dates even though they can see it will over draw my account.
I contacted Earnin in regards to my first withdrawal they will be making. I noticed it's set to withdraw a day earlier than my direct deposit days. I JUST set this account up so they have my most recent pay stub and account information. I contacted them via email and no answer. I contact them through chat and they tell me they cannot change it. That they need my most recent pay stub. Which they already have! They are aware they will be pulling from my account when my direct deposit won't be there until the following day. They refuse to correct the error.
I want my correct pay dates entered so the the withdrawal come out on the right day
We have confirmed that on 12/14/18, our support team was able to successfully update ***'s payroll setup to the correct dates, and we apologize for the miscommunication she initially had. Support can be reached in-app 24/7 if there are any further questions.
(The consumer indicated he/she DID NOT accept the response from the business.)
I got an email that you corrected the pay dates after I filed this complaint. Then... I received another email that you changed it back. You took money out of my account on December 27th when my direct deposit didn't post until 12/31. You guys need to get it together
After further reviewing this issue, we see that unfortunately due to the payroll setup being changed, and the time/date our debit files are sent to the bank this caused the error *** experienced. However, we have since corrected the issue preventing this from happening again moving forward. We sincerely apologize for the troubles and aim to improve her experience moving forward.
The company is supposed to connect to your bank account and loan you money you have earned. it wont connect to my bank and none of their reps help.
The company is supposed to connect to your bank account and loan you money you have earned. it wont connect to my bank and none of their reps help. They do not answer back in the one day guarantee they claim to have. I can not even delete my account or anything because they wont connect to my bank. I have a feeling they are steeling information.
I would like contact by the business CEO.
bank connection issue was fixed on 12/12/18 with the help from support. We assisted him via live chat, and he has been able to successfully cash out many times since this was resolved. While we work to reply back to emails within 1 day, sometimes due to volume our response time can be a bit longer than expected. However, we did just launch live chat, so that allows customers to reach us quicker.
Regarding security - we make sure info is safe and protected by using the latest ***. Also, we regularly undergo security and privacy audits, and have always passed industry standard security checks.
(The consumer indicated he/she ACCEPTED the response from the business.)
I am satisfied because they resolved my issue. Thank you and everyone else for your time.
I use the app earnin to sound like something good to use and I only use it once I put in my information and out my money
She I got an Alert from my bank said my account had with negative went on to see what was going on found out that it was this company went to their app could not find a phone number to speak to someone they do have a chat Room so I chat it back-and-forth with someone was told after 30 minutes of back-and-forth chat that I had to wait for my bank to put the draft fees OK the next day they did started the chat again access speak to asupervisoror a phone number to speak to someone it was told again on day 2 that there was nothing they can do I still have to wait now for another person to look over my count
I borrowed 100 and now because of this company when I get paid I have to pay a 100 to them in a 100 now to my account
After reviewing *** account and support tickets, we see that her initial payroll setup was every Friday instead of every other Friday. Support was able to update this to reflect the correct setup, and today 12/20/18, we've issued a $35 credit for the overdraft fee our debit caused. If any further assistance is needed, support can be reached anytime in-app.
DO NOT USE THIS COMPANY. THEY ARE CARELESS. I HAVE BEEN TRYING TO REACH SUPPORT FOR OVER 24 HOURS. I HAVE THE SAME *** COMPLAINT AS EVERYONE ELSE. BUT DUE TO THE OVERDRAFT AND MY BANK FEES I WILL NOT HAVE THE FUNDS TO PAY MY MOVE IN COST. I WILL BE HOMELESS FOR CHRISTMAS. ME MY CHILD AND DOGS.
We've tried messaging Brianna to resolve this issue, but have not yet received a response back. Once we hear back, we'll be sure to fix this. We've also recently launched live chat, so support can be reached much quicker now moving forward.
They asked for a screenshot of my bank account and they set a reply for 1 hours but it's been over 24 hours with absolutely 0 customer support
They asked for a screenshot of my bank account and they set a reply for 1 hours but it's been over 24 hours with absolutely 0 customer support. 12-4-2018. *** direct deposit
Give me my money
Due to an unexpected volume of inquiries, unfortunately *** screenshot was not processed within the hour. However, we've increased our support staff, and now offer live chat for quicker responses. We see that *** was able to successfully cash out many times since this, and if any further assistance is needed, support can be reached in-app much faster now.
(The consumer indicated he/she ACCEPTED the response from the business.)
I believe that they will complete there work on time in the fiture
If I could give less than one star, I would. The customer service is absolutely terrible. They seemingly have an automatically generated response for every single email. I changed bank accounts and gave them ample notice. However, whatever robotics are behind their "customer service" got absolutely nothing done. They managed to debit an old account, which I informed them I was no longer using. I gave them all of my new account information, yet they did nothing to rectify it. After I literally pleaded and begged for them to take the money I owed them, because I'm honest(they clearly aren't), they did nothing. I've waited over a week and gotten nowhere. Do not waste your time with this scam. Scam doesn't begin to describe what Earnin is. Also, it seems they are committing some semblance of tax evasion/fraud with their "tips". It's a false way of charging interest. They have caused me hundreds of dollars in NSF fees because of their negligence and lack of communication. Way too good to be true. They should be sued and if it happens, I'm in.
This is not the type of experience we'd want anyone to have, we understand the frustration this caused and do apologize. We want to make things right, but it looks like Jason switched his bank account info again the day we were supposed to debit his account causing his account to be placed on hold. Once he replies back to the ticket, we'll be able to further resolve this issue.
I have been using the Earnin app formally known as Active hours a little over a year with no issues until recently. I borrowed 500 from my paycheck and then ended up switching contracts in the middle of my pay period. Updated that info and then set up a payment arrangement. Payment was supposed to be deducted the 15th of every month unless I contacted them 3 business days prior to let them know if I needed another date etc. I also have a screen shots from the days fee's were supposed to be deducted and the amounts and how long this was supposed to go on. A rep did advise that if I needed to change the date(s) for any reason at least contact them within 3 business days. Well approx. Nov 9, 2018 I needed the November date changed until a later date. So I followed their procedure and I emailed them approx Nov 9th which was way in advance because my scheduled dates are to be the 15th of every month until paid in full. I got my agreement date changed with no issues and the understanding that only the agreement amount of 105.00 was to be deducted and then to proceed with the payment arrangement. My new payment date of November 23, 2018 came and when I checked my account they deducted the total amt of 438.00 and they were only authorized to deduct 105.00!! When trying to contact them they asked me provide screen shots etc. I did what was asked of me only to give me the run around and nothing resolved.
Refund I would like the 438.00 total to be refunded and to not ever be able to use the website again. They have been a big incovenience, caused my lights to be shut OFF because that was my bill money and I have an 8 year old and 2 year old. I tried to be nice and reconcile with them but they have NOT been attentive in helping me.
requested support to change our debit dates. While we did change the dates, there was an error causing the debits to post on the same date. We understand the inconvenience this caused, and requested the user to contact the bank to do a reversal since we don't have the ability once the debits have been sent to the bank. We are unable to credit the debits back to the account, but we can refund fees this may have caused, we would just need the customer to send an email to *** for assistance.
(The consumer indicated he/she DID NOT accept the response from the business.)
I requested and authorized for only 1 payment to be changed. I do not care that you don't reverse debits. As I explained before, my lights had got cut off due to your company's negligence. Please refund my money or I will also make a report to the attorney general.
Refunding the money we already sent to her account would be a debit reversal, which we are unable to do. We understand this caused financial hardship, but we are unable to credit money back to an account that was technically funds owed. Again, if our debits caused any overdraft fees we will refund those in full. Our Terms of Service can be viewed here, section 8 in regards to this issue specifically: https:/
(The consumer indicated he/she DID NOT accept the response from the business.)
It was not owed all at once. I was on a payment arrangement
Money was taken from my account twice, no response from company x 4 days.
I took out a payday loan on 11/17. The loan was repaid in full, plus tip, via automatic debit from my checking account on 11/23. No further payday loans were taken out. Earnin erroneously noted the payment as not received, though it was. I have contacted them several times about that, and was finally told that the situation was resolved. Then, on 11/28, they took out another $100 from my account. I immediately contacted the company, providing proof and explaining the entire scenario. I did not receive a response from someone who clearly did not read my email in full, did not look at my supporting documents, and did not care to actually deal with the problem. I have since contacted them twice, via email and ***, and have gotten no response.
I expect, at minimum,a refund of the $100 they stole from me. As my family has had to go without for almost a week, a "tip" would be appropriate as well - as that's what they want for me to have their money for almost a week - but at the very least, they need to give me my money back immediately.
On 12/4/18 we spoke with *** on the phone regarding the issue she experienced. We want to resolve this as quickly as possible, so we offered to have a 3-way call with her and her bank to determine where the issue happened, ensuring any money owed is paid back in full. We are still waiting for *** to give us a time/date she'd like to have the call with her bank and us, and will assist her with this at any point in time.
Please cancel this complaint. The business has adequately responded to my concerns.