Earnin

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.

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

Earnin debited $160 from my account unauthorized.
I had set up a loan with Earnin for $160. They have on file that I am paid on the 1st and 16th of every month unless it falls on a holiday. On 12/28/18 they debited two transactions of $97 and $63. They were not supposed to take this money out until 12/31/18, which is my payday. I sent them screenshots of my bank statement and pay stub. They refused to refund my money and since they are only reachable via chatroom, they would cut the chat short and log out without addressing any of my concerns.

They pulled money too early and caused multiple over draft fees, unwilling to reimburse.
I get paid every two weeks, on Fridays. Reading through Earnins FAQ's and everything they have listed for when debt's are pulled state that they won't be pulled till paycheck is deposited. I would've been paid today, December 28th, 2018 but due to some direct deposit issues I wasn't made aware till the 27th that I was getting a check instead of direct deposit. Earnin pulled the 286 on the 28th hat I owed them, which came through in multiple transactions. I already had pending transactions through my bank that would've went through just fine but due to Earnin pulling out early, claiming they don't see the accounts yet their system takes green shots of everyones account to increase or decrease peoples max payout as well as see pending deposits it was still pulled. I emailed them and they refuse to refund me the 175 dollars in over draft fee's they've caused that has now put me almost 400 dollars negative in my account. Telling me I need to " take it up " with my bank. That since they're able to debt my account on pay day they refuse even though this was their mistake. I believe they're false advertising with what they're offering.

They have committed fraud and tried to steal money from my bank acct.. and I have never used them!
I checked my bank account yesterday morning and there was a debit pending to this company for $104.00. I copied the name from my bank site (CHASE) and googled it to find out what it was all about. I then called my bank to let them know this was a fraudulent charge because I've never had an acct. with them #1 But also this is basically a payday loan company so for them to take out money from my acct. meant they must have put money in which they did NOT. CHASE informed me they have attempted to deduct the money through my debit card, not my checking acct. number so they cancelled the debit card. I then contacted them through a message on their website and FB, you can't call them. I gave them their own authorization # that they had given CHASE for the transaction also. BUT they will not do anything to look into it unless I give them my checking acct. and routing numbers!!! Are you kidding, why would I give them this, they must be CRAZY!!! I told this to CHASE and they said they absolutely do not need these numbers since they never put money into my acct. and it was taken out via the debit card which has since been cancelled. AND they DO KNOW THIS! I told them several times that this is how it was taken out and no money has been deposited from them PLUS I have NEVER EVER signed up for an acct. with them either! I told them to use their authorization # that they gave CHASE for the trans. AND YET THEY WILL DO NOTHING WITHOUT MY CHECKING ACCT. AND ROUTING NUMBERS! SO THEY ARE EITHER REALLY DUMB OR THIEVES AND WANT TO STEAL MORE MONEY FROM ME. They also have since deleted my posts from FB and have blocked me. I'm letting CHASE deal with this now. SO BEWARE OF THIS CROOKED COMPANY!!!

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

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

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.

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.

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.

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.

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!

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.

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 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

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.

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

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.

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 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.