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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Add contact information for Earnin
It won't accept my bank login information even after verifying it with my bank. Now it won't even send my verification code to my phone.
After I put in my bank login information it says they can't verify login name and or password.
i just want to use the app one time to get money from my paycheck.
Since we use a third party bank connection provider, sometimes there can be issues with banks blocking our access. However, our team is aware of the issue, and working towards resolving this ASAP so *** can use her account successfully. We are currently waiting to hear back from the provider for the fix, and will send *** updates as we receive them.
The Earnin app recently took 101.50 out of my account without my consent.
The app was deleted off my phone at the time and I didn't request the money. On the 10th day of November I noticed that on my bank statement, the Earnin app requested money from my account and on the 15th I noticed $101.50 taken from my account. I had a positive amount in my account and had no need to request $100 from the app. I would appreciate if you were to resolve this issue and refund my money. Thank you.
Refund of $101.50
We don't see any support tickets in our system with this person's name. For assistance, he will need to either submit a support ticket in the app with the issue, or email *** and we'll be able to assist from there.
They went into my bank account after I had canceled my account actually I really didn't open it, before I signed the (dotted line) so to say I cancel.
They went into my bank account after I had canceled my account actually I really didn't open it, before I signed the (dotted line) so to say I cancel.
Stay out of my bank account, when I didn't authorize it.
When users sign up for the app and enter their bank information, our system automatically schedules a test credit and debit to send in order to verify we're able to send/receive money successfully. However, if a user closes their account shortly after entering their bank information, those pending transactions may not reach their account until 1 business day later. We only send money to someone's account if they've cashed out, and only debit it back on their payday.
Since *** Earnin account has already been closed and she didn't cash out, there will be no further debits or credits from us. If more information is needed, she can send an email to *** for assistance.
Earnin withdrew money from my account 2 days prior to my payday causing initial overdraft fees of $150 & an additional $30 whn another debit bounced.
On 10/07/18, an entire day before my payday, earnin withdrew their money causing NSF fee's for $150 as well as causing another prescheduled payment to bounce for another $30. I've had a conversation in August regarding my payday and everything was fine. But now they're telling me that my scheduled paydays are on Wednesday which is a lie. I have emailed them at keast 10 times since Wednesday & apparently they have zero problems overdrawing people's accounts.
I would like my $180 debited back into my account ASAP to prevent additional NSF changes.
After reviewing *** account and support ticket, it appears *** paycheck did post on 11/7/18 but her bank posted our debits earlier in the day before her paycheck actually posted. We only have the capability to post the date our debits come out of a users account, their bank controls the time.
However, we refunded *** for the overdraft fees she received on 11/12/18, along with changing her pay date in our system to one day later to avoid any potential overdraft issues moving forward.
Incorrect collection resulting in a large overdraft in my bank account.
I have used Earnin for well over a year now, and have always been very appreciative for the type of service they provide. There's been times when I needed gas, food, or had to make a bill payment before I was paid from my employer, and I must say because of Earnin, I was able to get myself out of those jams. Unfortunately, today account was billed about $100 more than I actually earned at my work for the pay period, resulting in a huge overdraft leaving my account balance to be -$103 including a $36 overdraft fee. I have looked into this all day and it just never adds up. I see they can't be including earnings from a previous pay period due to that fact that I have paid those debts already. I have tried contacting them but it takes days to get a response from someone yet an actual solution hence my decision to inquire via Revdex.com in order to expedite the process. Looking back, I can see that this type of issue was just a matter of time. No matter how well I tipped, how responsible I was with the app, there were always problems. Always. Whether it be connections with my bank, my earnings not being entered, having to send in time sheet after time sheet, pay stub after pay stub, an issue of this gratitude was simply bound to occur. I've contacted my employer and bank, and the issue seems to only be stemming from Earnin. Bottom line, at the end of the day, you can only cash out what you've earned, and anything more excluding the tips, is fraudulent.
I would like to be refunded my overdraft fee of $36 along with the extra $100 or so that was debited. I would also like for them to seriously consider in the future adding a telephone customer service system to better handle and finalize their issues.
When using Earnin, it is the customer's responsibility to report any error that results in too many hours being available to cash out, as well as not cashing out the amount they know they may not be able to cover with their paycheck. This is a rare occurrence, we have many policies in place to avoid this from happening.
In section 6 of our Terms of Service we state, "If you fail to maintain a balance in your bank account that is sufficient to fund any payment that we expect based on a prior Activation, we may refuse to allow you to Activate a Virtual Asset for as long as we determine to be necessary or appropriate."***
*** would need to speak with his bank about possibly refunding the overdraft fee. As for having a support phone number, we currently do not have one because we can troubleshoot faster and more efficiently via our Chat option or email. We currently offer 24/7 support in-app or by email at ***.
Messing with people's money.
I have used the app for awhile now, maybe since July I believe. Everything was good at first. And then they were having troubles entering my earnings into my account. They would spout off about always having GPS etc on, which I always do, which is why I have to keep a charger at work because it drains my battery. First time I contacted them it took almost a day to get back to me, and then the problem fixed itself. The 2nd time it took almost 2 days to get a response from them, but yet they took my money out right on time. This last time the decreased my max, so I built my account up to being about to take out $350, this time they dropped my max to $250, but yet still took out my $350. I messaged them over and over and gotten 3 different lies as to why my max decreased, one said they didn't know, one said it was tipping rate and one said because of low funds in my account or possible overdraft fees. Okay...for 1. the whole point of using the app is because you are low on funds so that made no sense, if I had the money I wouldn't be using the app. 2. I tip when I get good service, tipping is not MANDATORY it says "Tip what you think is fair" So, I didn't tip a few times because I got poor service. If you want members to tip a certain amount then make it mandatory instead of saying "tip what you think is fair" it's not a tip if I HAVE to do it. Which, by the way I have proof of all their lies. Then then proceeded to keep throwing the same info at me that you can find on the site about account health. If my account was not in good health why did it go from $100 max to $350?? I got punished for nothing. I asked them nicely to put my max back at where it was and they have lied and said "their hands are tied" WRONG. I work in an industry in which I deal with money and ANYTHING can be fixed. Sorry, I don't buy it.
I want them to put my max back at what it was or I will pursue this further. I enjoyed the app before they started treating their customers bad.
We encourage healthy financial behavior, which is one of the reasons why we have maxes in the app. As stated under "Max Info" in the app and our Help Center, "Money Management, Earnin Use, Your Bank, & Your Employer" are the factors taken into consideration when increasing/decreasing maxes. Our system automates maxes based on our algorithm, and if it determines a decrease, it's strictly due to one of the following factors above.
We also state section 6 of our Terms of Service, "We may limit the total number of Virtual Assets that you can Activate at any given time or over a period of time. We may refuse to permit you to Activate Virtual Assets if we reasonably believe such refusal is necessary or advisable for legal or security reasons or to protect the Services."
We adhere to our policies, and will correct an issue that's on our end, however, after reviewing *** account we will not be increasing her max at this time.
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept this because this is horrible treatment of a customer. If I was not doing the correct actions why was my max INCREASED to 350? I have not done anything wrong to warrant adecrease. It says when you draw money out 'tip what's fair' if you want your users to ALWAYS tip then make it MANDATORY, because last time I checked tipping was OPTIONAL, and I didn't tip sometimes because of the bad customer service. It shouldn't take 2 almost 3 days to get a response from a person when it involves their money. I want to know the exact details on my account of why. I've been told 3 different excuses. 1. Cant control the system 2. Not tipping enough 3. Low money on account. If you can't control the outcome of your system then why use it? If I wasn't tipping enough how about giving a warning and a place where I can explain WHY I wasn't tipping. If I had a ton of money in my account why would I use your service? My account has never been negative. Explain to me EXACTLY what I did wrong.
As we've already stated, there are a variety of factors involved that can cause a max decrease or increase that are listed in both the app and our Help Center. Our algorithm is what ultimately determines the increase or decrease a few days before each payday. Our developers looked into *** recent max decrease and confirmed there are no issues on our end. Tipping is always optional, never mandatory but this can affect a users max, which we have also stated. For further information, we strongly recommend reviewing our Terms of Service, Help Center, and Max Info in the app.
I took a payment out a week or so ago..I owe 200..I want to make a smaller payment but cannot get in touch with them
Payment I owe is 204
Partial payment
As stated in-app, and our Help Center, our support team will typically get back to customers messages within a day. *** submitted her request to support on Nov 08 at 4:17pm (EST). We replied back to her with our determination of her request on Nov 09 at 7:46am (EST), which was within our regular response time.
(The consumer indicated he/she DID NOT accept the response from the business.)
I sent them more than one email about this situation and it didn't not take one business day
The response back from support took less than 24 hours. Please see the attachment with the support tickets along with the timestamps next to each to support our claim.
(The consumer indicated he/she DID NOT accept the response from the business.)
It didnt solve anything
Earnin took money out of my checking account on a day I did not get paid. They over drafted my account -480.
A while back my pay schedule from work changed so I contacted Earnin to let them know. They said they fixed it. That was in September. I didn't have any problems until November 2nd, 2018. They overdrafted my account to -480. My bank was able to refund me $68 for some of the overdraft fees.They didn't just overdraft me once. They took out multiple charges and each time I received and overdraft fee. I tried contacting customer support for almost a week and couldn't get a response. FINALLY they responded telling me they were only going to refund me $61 but they also were taking out $41 for "tips". My entire paycheck is about to go into getting myself out of the hole. I have kept all of the messages between Earnin and myself.
I just want to be refunded and to never use the app ever again.
We issued a refund of $62.00 on *** account. That's for the $34 and $28 remaining overdraft fees that wasn't refunded by her bank (as all others were). This posted to her bank account on 11/9/2018.
We've also adjusted the pay schedule to "Pays every other week on Friday. Holidays always pay the day before." so this issue doesn't occur again.
We see that she cashed out again on 11/23/18 after this incident, and there should be no issues moving forward. If support is ever needed, they can be reached in-app 24/7 for assistance.
Company debited my account before my check posted because of holiday that doesn't effect pay periods or banks.
I've been using this app. Have had no previous problems. My account is overdrawn 209.00$ because they debited my account 11/09/18 instead of 11/12/18 when my paycheck posts to my account. They state it was because my job information for pay periods state I get paid bi weekly unless it's a holiday then I get paid a business day before. By holiday they specifically mean a holiday which effects National Banks to be closed. Veteran's day is not considered a holiday that effects my bank which is PNC bank to be closed or my job's bank. On this app they collect bank and account information as well. If you're going to be a pay day loan operation you should have the common knowledge of what holiday's effect pay periods. Labor Day, President's Day, New Years, Christmas, Thanksgiving are the prime holidays for any bank to be closed. So if my paycheck fell on Halloween they would have debited my account a day early ? That's ridiculous. Now my account is overdrawn and I will be charged over draft fees until my check posts not to mention the money I had in my account already that was effected because they debited early. They contacted me stating they are waiting to hear from my bank to see if the transaction posted or failed. It's a pending transaction it's not going to post until Monday but it still has effected my checking account. I want the company to have more restriction on this and also want to be compensated for my overdraft fees immediately.
I want the overdraft fees that will incur replaced in my account.
payroll setup upon her account activation was set to "holidays pay the business day before". Veteran's day was observed by banks on 11/12/18, which caused her account to be debited the business day before, on 11/9/18. Veteran's day is observed by all banks, so they were closed on 11/12/18. *** paycheck posted the next day, on 11/13/18 and we sent a credit of $68 to her bank account to cover the overdraft fees she received. We've also updated her payroll to "holidays pay the business day after" so this issue doesn't happen again.
I would like my funds in the amount of $30.00 to be returned to my checking account. I am a
student who works part time for the ***. This issu
On Tuesday, 11/6/2018, I came across a lending app where you can borrow funds until your
next payday. After registering on the EarninApp with my email and reviewing the terms and
conditions of the service, I decided not to go proceed with the use of the app. The next day,
11/7/2018, my account was negative $30.00. I reached out to their customer service
department asking why funds were deducted from my account without my consent. I further
informed them that I never entered my banking information and/or account numbers on
their site and I was confused as to how funds were deducted without them having that
information, for services I never used. I was then reassured that my funds would be returned
to my checking account within one business day. Which they have not done as of now.
Earnin is a private company located in*** and *** and was
founded in 2012.
I would like my funds in the amount of $30.00 to be returned to my checking account. I am a student who works part time for the ***. This issue has put a dent in my priorities. I'd like this matter to be handled as soon as possible.
When users sign up for the app, we never ask for a SSN, and there's absolutely no means as to how we would have been able to pull *** bank information without him entering in the routing/account numbers and online bank login credentials upon signup. It appears *** added his bank info on 11/6/18, and when we sent out our test credit/debit on 11/7/18 there was a low balance that resulted in a $30 overdraft fee. Our team sent the $30 credit back to his account, and it successfully posted on 11/9/18. Support can be reached in-app 24/7 if there are any further questions *** may have.
Earnin gives a gaurantee that all sensitive information will be protected . However , they are linking my account information with someone else's.
When I link my bank account information with the Earnin App . It's giving me a random routing number in reference to my checking account . I called my bank to confirm my routing number and they reiterated that the routing number EarnIn is using is inaccurate. My bank also confirmed that the routing number showing on the Earnin app is a number associated with the city of ***, I live on *** . The app does not give me any way of contacting them immediately about this matter . Nor do they give me the ability to change that information manually . If someone else's routing number is linked with my account that means my account information is vulnerable. When dealing with a matter so sensitive, I should be able to speak to someone who can clarify what's going on and put me at ease. If any fraudulent activity is detected with my bank account EarnIn should be held accountable .
I want to speak with someone who can clarify the situation and correct my bank information since I can't do so myself . I also want Earnin to tell me themselves and guarantee that my account information is safe .
After reviewing *** account and tickets, we see that our support team was able to correct the issue on 11/6/18. We take reasonable security measures, including firewall barriers, SSL encryption techniques, and authentication procedures, to help protect personal information from loss, theft, misuse, and unauthorized access, disclosure, alteration, and destruction as stated in our Terms of Service. We have confirmed *** issue was fixed, and she's since been able to cash out and receive the money successfully.
I was informed that as long as I set a date to have the money for them by I would not have money pulled from my account. They have been pulling money
I was informed through e-mail by a "*** (Earnin Support) that if I set a specific date to have the charges pulled from my account I wouldn't have to worry about coming up with the money until that date. This would give me time to catch up on the bills the charges had put me behind on and give me time to come up with the money. The on 11/2 three seperate charges totalling $161 were pulled from my account. These were unauthorized charges made by them since I had already set a date with them to have the money charged to my card. Now because of this I am unable to pay all my bills. I had set a date with them so I could catch up and have all the money for them. I then contacted their support and was told that there was nothing they do for me despite the error.
I would like the company to return the money until the date we previously agreed on. At that point in time they can pull the money from my account because I will have time to save it up and have it available to them.
Our team of engineers have been informed of this issue, and are currently looking closely into why only some of the debits were rescheduled successfully, and a three weren't. This issue will be resolved within the next 24 hours, the money including any overdraft fees our debits caused should be returned to *** account, and debited back on the correct date after our investigation has been completed.
Taking money out of account before it's available causing over draft fees.
I have contacted customer service multiple times in the issue. Everytime they respond they ask for screenshots which I provide, then I'm told it isn't clear that they posted thier debts before my paycheck. I have argued and begged to have the withdrawal date changed. I got stuck in a perpetual having to withdraw money from them because of absurd overdrafts to cover my rent or bills then the company doing the same thing to me.
I want my over draft fees refunded to me, my pay date changed and for customer support to do their jobs. Support me.
Some banks post direct deposits sooner than what shows on an employees paystub. Since our system sets up payroll based off of when we detect the deposit history in the bank account, this can sometimes cause an overdraft if the users bank decides to post it on a later date. On 11/3/18 our support team updated *** payroll to avoid any future overdrafts, as well as sending the full amount of credits cover the overdraft fees he received. If *** needs to contact support, they can be reached 24/7 either in the app or by emailing ***.
Received three $30 overdraft fees with in two weeks. Company claims it doesn't cause overdraft fees
I use the app all the time and last week I was changed $30 and the company had me show them my back account information then says they need a letter from the bank and once I sent that in they asked me to show them my bank account again all to come back and say it's the banks fault. And would not refund me . This week I got hit with two $30 overdraft fees and I have sent them information but just like last time the app stops working and you can't get in contact with anyone.
I would like I refund , I have had more issues with this app then I had on my own ...... I never had overdraft fees until dealing with this company and it seems like it's a scam
Some banks post direct deposits sooner than what shows on an employees ***. Since our system sets up payroll based off of when we detect the deposit history in the bank account, this can sometimes cause an overdraft if the users bank decides to post it on a later date. On 11/3/18 our support team updated *** payroll to avoid any future overdrafts, as well as sending her a credit of $60 to cover the overdraft fees she received. If *** needs to contact support, they can be reached 24/7 either in the app or by emailing ***.
My account was debited and the money didn't come out because of a bank error. I fixed this right away and informed them. However they penalizedme.
I love this app and I'm thankful they help out those in there time of need. I've used earning for a while and built up my borrowing power. My account was debited for what I owed however on there last debit my bank did not transfer money from my saving account to cover their debit which I admit is my banks fault. However I corrected this issue immediately and sent a screw shot immediately to them so they would be able to debit my account for the money they were owed so it would not be late and my account would be in good standing . This also caused me an overdraft fee but this is not the fault of earning although this cost me $32.00. Earning did not respond right away but when they did it had nothing to do with my question asked. My concern is Ive been penalized and my borrowing agility has been reduced to $100 when it was at $450. I've asked for customer service help for 3 days now and I haven't received a response. I don't necessarily blame Earnin for my banks error and I did correct it immediately on the day my payment was due. What bother me is that I've came to rely on them and they reset my borrowing limit despite to $100 with no explanation and it's put me in a position to where I can't afford to feed my family with 3 small children. I had been able to borrow $450 before the mistake on my banks part. I had the money in saving for the last debit Earnin did and my bank didn't pay the debit. My bank should have payed the debit and transferred the money from my account. That was an agreement with my bank and I don't hold Earnin responsible for that but this was fixed within an hour. Earnin put my account on hold and didn't debit my account until the next day and they lifted the hold however they reset my limit to $100when it was at $450. I had borrowed $400 total that they were devoting so a large portion of my money was payed to them leaving me without the ability to feed my family since I could not borrow what I normally had because they reset my limit.
I would like Earnin to increase my borrowing agility to $450 again since I've worked hard to build a trusting relationship and I've always payed on the due date. The error was fixed on the due date and the funds were available for them on the due date in which I provided them a screen shot of my bank statement as proof of this. I would like for them to not penalize me for my banks error and this would easily be cleared up if they had a phone number to contact customer service or if they emailed responses to the actual question you asked rather than an automatic response or a template message. You have a good business Earnin and I'm thankful for your generosity in helping those of us who need it. I please ask that you do the right thing and increase my limit once again.
On 10/31/18, our support team understood this was an honest mistake on *** part and as a one-time courtesy we raised his max up to $350. *** was informed if this issue were to happen again, his max would automatically drop and we won't be able to increase his max again. If he has any further questions, support can be contacted in-app 24/7 and works to respond back as quickly as possible.
When I cashed out they took money instead of giving me money.
When I cashed out, they took the money I cashed out out of my account instead of putting that money in. I only use them to pay bills when I cannot so not only did they not give me the money I need to finish paying my bills, they took out of the money already being used to pay what bills I can. So now I don't know what I'm going to do.
I would like them to put the money they took back and give me the money I cashed out.
As of 11/2/18, *** received all money she cashed out, and we were able to debit it back successfully. Her issue was resolved with support on 10/31/18 and she can reach out at any time if she needs assistance.
Lighting Speed cashout option automatically charged me a $5 tip when I cashed out $50.
I used the Earnin app for the first time this morning. I used the Lighting Speed option to get $50 while shopping in ***. While completing the transaction, a message appeared saying that another user covered my tip for the transaction, and the app never asked me what amount I wanted to tip. Once I received the money, I received an email stating that my account would be debited $55 instead of the $50 I authorized.
Immediately, I used the chat feature in the app to speak with a customer service representative named *** who told me to send a screenshot in order to prove my claim. The transaction was already complete so I had no way of backtracking to get a screenshot. I continued to express my dissatisfaction with this unethical and illegal transaction, and *** told me that I definitely chose to tip $5. I responded by telling him that I would report this illegal activity, and he responded with instructions to cancel the transaction. He also sent me an email which did not contain a resolution. I responded to his email and demanded that the transaction be canceled and their advance be taken from my checking account, but he did not respond to my email. Later this afternoon, I chatted with another representative named *** regarding the issue, and he said that they have not received any complaints about this issue. I asked him to cancel the Lighting Speed transaction and he said that this type cash out transaction cannot be canceled. He immediately offered through the app's chat to waive the $5 tip. I responded and asked him to send me an email stating the resolution which I have not received yet.
This company needs to be investigated because their advertisements and information in the app contradicts the optional tipping feature. I was not happy to be forced tip $5..
I would like the company to not take the $5 tip from my checking account, and I want an email that spells out *** promise to waive the tip and only debit $50 from my checking account.
Upon investigation, we have not had any other claims of users who experienced the tip issue *** encountered. Before completing a cash out, users can select any amount they'd like to tip, and $0 is always an option. *** issue was resolved on 10/18/18 once our support team confirmed the $5 tip was successfully cancelled, and *** was debited on 11/2/18, where the proof can be seen that we didn't charge him the $5 he didn't approve of. If any further info is needed, he can contact support in-app 24/7.
The company uses deceiving language when explaining how they debit funds from accounts. And then they cause fees they take weeks to resolve and issue
I use the app consistently for funds- they take the funds back when you get paid- in the FAQS they claim to avoid fees by "waiting to see the money in the act" they do have you link up your act so it seems legitimate. They also state this in other capacities- on oct 17 they debited my acct causing me 5 nsf fees of 29$ each- they in fact didn't "wait to see if money was there" causing me severe damages. I initially reported the issue on that day and didn't hear back for almost a week- now on the 29th they stated since they couldn't determine if a change was made in my pay schedule they would not refund me- however I feel that is beside the point if they are advertising that they avoid fees to the consumer by waiting to see money before pulling funds from accounts. The avenues for which they correspond is also burdensome when you can only email them and it takes days to get a response and you cannot call to immediately discuss your issue. They have no customer courtesy and no concern with the severe fees and issues that they cause.
I want to be refunded my 5 nsf fees for 29 each
Since we use a third party bank data provider, we don't have a live connection with users bank accounts - we only receive updates periodically. *** paycheck posted later than normal, and since our debits are automated to post on the date according to the payroll setup completed upon initial account setup, it caused overdraft fees to her account. Her bank refunded two overdraft fees, we refunded the 3 remaining on her account, and those successfully posted to her bank account. Our support team informed *** of the refund, and we have not heard back since.
I have been using their cash advance service and have started a new job. My first direct deposit is 10/31 and they have said they need two for me t
I have been using their cash advance service and have started a new job. My first direct deposit is 10/31 and they have said they need two for me to use the service again. I can't afford for them to take 800 dollars and me not to be able to get it back. I have asked for them to take 800 11/30 to coincide with the second direct deposit so I will be able to access it back and they refused.
I just want the payback date changed to 11/30
After our specialists took a look at *** issue and request, as courtesy her debits were rescheduled for 11/30/18 to help her avoid financial troubles. This change was made on 10/27, so it was successfully changed in time before any debits came out. Her issue was resolved, and she can reach support in-app 24/7 if any further assistance is needed.
Customer service issues
I have Emailed the Earnin app now 5 times. My first Email going out on October 16th. I love this app. I always have. And because of my great standing with the app, I am now aloud to max out $300. Well I went to cash out my 100 on Monday and the app was not working correctly. It kept stating that "my bank had not sent over my transactions" Then finally it made me completely re-login to my banks account. I am not sure why because nothing has changed with ANY of my info. Now the app is saying my max is now only $100. But it will not even allow me to cash out that. It made me resend a paystub from work. Why is this? I have not done anything differently or wrong. I was relying on this cash out. I just want to know why this is happening. I have attempted to reach out, now I am just getting aggravated. Please Help.
I just want to be contacted about this. And be able to withdrawl again, like I always have.
Due to a volume increase of tickets, response times were longer than typical 24 hours unfortunately. Our support team was able to get back to ***, update her account, and reinstate her max to $300. Her account is fully active, and she has since been able to successfully cash out.