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Earnin

200 Portage Ave, Palo Alto, California, United States, 94306

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Earnin Reviews (%countItem)

At first this company was awesome, but now It seem chiesty. It's either they have ran out of money to loan or their customer service is that poor. They don't respond when you call them out on their underhanded tactics. The app was receiving updated Bank Info through my entire pay period. But as soon as my paycheck was deposited, they withdrew the money I borrowed from the last check and all of the sudden Earnin needs updated Bank Info, and I can't cash out. I have yet to hear from customer service. I've sent 3 emails, 5 Facebook messages, and one Facebook comment. They responded once on Facebook to ask for my email, after that they never responded.

Earnin Response • Oct 25, 2018

We sincerely apologize for the delayed response from support. We've recently had an increased volume of tickets, so response times are longer than we'd hope for. We are currently expanding our team to help our users faster. Also, since we don't have a live connection with users banks, we only receive updates periodically. This can cause the delay on payday to cash out, and we know that can be inconvenient. This is why we allow users to send in screenshots to support showing their direct deposits, and our debits for a manual update. We see that Tierra's issue has been resolved, and if any further assistance is needed support can be reached in-app 24/7.

Debited my account on date not authorized by me causing me to incur an NSF fee. Now cannot get them to respond nor reimburse me the NSF fee.
I downloaded the Earnin app on 10/3/18. showed the test transaction. Rep named *** emailed me asking me to confirm my pay dates, which are the 15th and last business day of the month. She said that my bank account shows my direct deposits going in earlier than those dates. I advised her that because my bank is a credit union that sometimes my direct deposit will go in a couple of days earlier but that's not guaranteed and that my dates need to be my actual pay dates. She assured me that she would correct my pay dates. I noticed on 10/9/18 that they had their debit scheduled to come out on 10/11/18, but yet I do not get paid until 10/15/18. I had to send 3 emails within 2 days before anyone ever responded. The rep who did respond stated she couldn't change my pay dates, even though my actual check stubs show the 15th and last business day. I warned her that if my account was drafted on 10/11/18, it would cost me a NSF fee. On 10/11/18, this company debited my account for $105. And as I warned would happen, an NSF fee was incurred for $37.50. I emailed a screenshot to reps 3n different times advising that they have until 5pm EST 10/11/18 to reimburse me for my NSF fee since I told them a million times not to draft my account on this date. Different reps are responding with the constant request to send a screenshot showing the NSF charge even though this has been sent 3 times already. My NSF fee still has not been reimbursed.

Desired Outcome

Earnin needs to reimburse me my $37.50 NSF fee and they also need to credit my tip amount in the amount of $5.00 due to all of the issues I've had.

Earnin Response • Oct 25, 2018

Normally for payroll setup, we set users pay dates as the pattern of dates our system detects the direct deposits post to their bank account. We understand some credit unions post earlier, and now see that ***'s bank doesn't always post it regularly. We've informed our support team on how to better handle these situations, and fixed ***'s account along with sending her a refund for the overdraft fee she received.

I borrowed 500 they were scheduled to take it out on 10/8/18 they took the money out on the 5th and resulted in 3 overdraft fees and customer service
I had borrowed 500 dollars from the app they scheduled to take the money out of my account on the 8th of October 2018 and they took it out on the 5th of October early and caused 3 overdraft fees I have contacted their customer service and gave all info they requested now they will not respond back to me and made it so I cannot use their service.

Desired Outcome

Iam looking to get reimbursed for the overdraft fees they have caused me by taking money out before the day agreed upon. Totaling 105 dollars

Earnin Response • Oct 25, 2018

had his payroll originally set to "holidays pay the day before". Since 10/8/18 was a bank holiday and debits can't be processed on weekends, his account was debited on 10/5/18 instead. Our support team was able to update his payroll to reflect "holidays pay the day after" so this issue won't happen again, and also refunded the full amount of overdraft fees.

Debited my account early resulting in overdraft fees that I wish to have reimbursed. Have submitted requested documentation.
Account was supposed to be debited on my payday they had my payday wrong which was 10/05/2018 but the debited my account 10/04/2018 and I have submitted several requests to have it rectified and nothing is happening. They keep saying it has been turned over to their specialists and I have not heard a word from anyone and every time I message the issue is ignored

Desired Outcome

I want 70.00 in overdraft fees reimbursed and the premature charges on my account reversed.

Earnin Response • Oct 22, 2018

payroll setup has been fixed by support to reflect "Pays every other week Friday" instead of "Pays every other week on Thursday" due to the amount of time his paycheck is in the pending status with his bank. However, in this case *** owed $152.00 on 10/4/18 and he withdrew $880 on the same date after his direct deposit had posted leaving his total bank balance at $64.86. So, once our debits tried to post, this caused the overdrafts he received which is not refundable. A screenshot *** sent of this info to support from his online banking transactions that includes the dates and amount showing his direct deposit posting, his withdrawal, and our debit attempt can be viewed as supporting evidence.

Customer Response • Oct 22, 2018

(The consumer indicated he/she DID NOT accept the response from the business.)
They assumed responsibility for the debits when they changed the date. If they felt as though then date was correct then they would not have changed it.

Earnin Response • Nov 02, 2018

payroll setup was changed by support after he stated, "The payment comes in as processing on the 4th but I don't actually have access to the funds until the 5th." So, although we saw the funds did successfully post on 10/4/18 and he withdrew his full check amount and more the same date, we still updated his payroll setup so if this statement is true, he wouldn't receive any overdraft fees in the future. The chat transcript of this conversation between support and *** can be viewed in the attachment.

Earnin sent $100 to a account that wasn't mine and took an $100 out of my account that was never sent to me.
I've been dealing with this situation over a month now and have been getting nothing but a run around. Dealing with numerous representatives and when I think someone can help me they don't and I have to start all over with someone else.On Sept 8, I requested a cash out I was told by the representative that their lightning speed feature(which deposits instantly to your debit card) was down. So they sent the money standard speed which is like a direct deposit. The money was supposed to be deposited into my checking account on Sept.10th it never was. After going back and forth with several representatives turns out Earning sent the funds to the wrong routing number. A number I did not give to them. I was told once the funds were reversed I would see it through my app. Fast forward to know, it's October 5th and they are taking $298 out of my account when I only received $198 in cash advances. Earnin is taking $100 from me.The fact that you can't contact someone and have them resolve the issue is crazy. Whenever I email someone they say they will forward the request to the developers and nothing ever happens. I will be taking legal action if this matter isn't resolved. It's only $100 but I work hard for my money everyday and no one else should have to deal with this.

Desired Outcome

My $100 that I never received in cash advance but was taken out of my account.

Earnin Response • Oct 19, 2018

made some changes to her routing and account numbers, and it caused the credit to not be sent to her correct account. In these types of cases, a reversal from the bank needs to happen in order to resend the money to the correct account. This process was taking longer than we would have hoped, but we were able to instead send a $100 (amount she cashed out) credit to *** correct bank account on 10/12 for the inconvenience. Now that her bank info has been fixed, she should not run into this issue again.

Customer Response • Oct 22, 2018

(The consumer indicated he/she ACCEPTED the response from the business.)
Earnin has resolved my issue.

My account was not debited on the day it should have been but was debited an entire 3 days later causing my account to go to a -$197 balance.
I had been using this service regularly and responsibly and as a result my "max" increased to $400. Previously the money owed would be debited almost immediately after my paycheck posted to my account, even at 3 a.m. in the morning. This prevented overdrafts as it states on their website that they deduct the money "on payday" and that banks make "30 billion in overdraft fees per year" and that is something they "want no part of."
On Sept. 28th I checked my bank account and saw that the $400 I was expecting to be deducted had not been taken out. On the 29th I messaged them stating I was concerned that the funds had not been debited as I had other deductions coming out soon and it would cause problems for me. They are supposed to respond in one day or less. I messaged them again on the 30th. I did not receive a response until Oct. 1st.
The message I received from *** stated that they haven't confirmed that their debits had reached my bank yet. She then asked me to send screenshots of the debits. This was obviously not possible as the debits did not exist.
Later the same day I checked my bank account and saw that they had debited my account not on early Friday morning as before, but Monday morning. I was now -$197 and was unable to use their service to even recuperate the situation (causing a $400 loan to cost me $600) and return my account to a positive status but even this was not an option.
I messaged them yet again very upset and sent them screenshots of my balance and transactions on Friday, Saturday, Sunday and Monday when they actually charged my account. The following day I received a response that they were "very sorry" but that sometimes banks "don't always stick to the set date we give them for whatever reason." Be advised this company has access to one's bank log on information and are able to see transactions as they occur. This is how they immediately take their funds when your paycheck hits your account.
This company states that they will not debit your account and cause an overdraft yet this is exactly what they did. If they had deducted the monies the day they should have or even the two days following this would not have been an issue as I carefully plan my payments in advance. Blaming the bank is merely a means of avoiding taking responsibility and from what I have seen this happens often.

Desired Outcome

I would like the $197 returned to my account that was caused by their own mismanagement and/or the ability to use their system to borrow the funds to return my account to a positive status. I would also hope they take it upon themselves to prevent this from happening to others in the future.

Earnin Response • Oct 19, 2018

Our developers are aware of an issue happening with Chase bank where they are posting our debits on different dates than we've given them and the Federal Reserve report has the correct date on file. We're trying to fix this issue with Chase so it stops happening, and complaints have been filed by our bank. We've contacted *** so we can speak on the phone with her and her bank to fix this ASAP, and are awaiting her response.

Na
Account worked first two times and now reconect ossue for over a month.

Desired Outcome

Fix my account

Earnin Response • Oct 15, 2018

As stated in our ToS agreement, we use a third party data provider to connect with users banks meaning we don't have a live connection. Sometimes there are issues on our provider's end and the users banks, which can only be resolved by them, unfortunately. The resolution took longer than we would have liked, but we did receive word that the issue was resolved on 10/9, and *** has been able to successfully cash out multiple times since then. If any assistance is ever needed, support can be reached in-app 24/7.

The company unlawfully took money weeks before they should have , money I've never even took out.
I started using earnin about a month ago and used it one time for an 80$ cash out on 8/19 on 8/21 they then proceeded to take money out of my account when it was supposed to be taking out on 8/27 which put my account in the negative. Once I contacted them about the issue they proceeded to continue taking money and still haven't returned anything ! They left my bank account overdrafted and told
Me to wait a week? So I accrued multiple overdraft charges which they have still not clear up let alone reply back to me they've ignored me I had to put the money back in myself so that I didn't have anymore fees and I cannot even get a response

Desired Outcome

I want my money back and the charges that were taken reimbursed

Earnin Response • Oct 10, 2018

With most credit unions like the one *** uses, they post paychecks a day or two earlier than the official payday. This is why we schedule our debits to come out on the day we see the paycheck post from the pattern of deposits. Unfortunately, we debited ***'s account prior to his paycheck post date, causing the overdraft fees. Our support team was able to fix his account and issue a credit for the overdraft fees on 10/2/18 fully resolving his issue to ***'s satisfaction.

I have been contacting customer service for over a week. I am still Waiting for a specialist.
Since september 23rd I have been getting a pop up saying that they can't connect to my bank. I in put all of my bank log in information and then I get a pop up from earn in saying that they are having problems. I contacted customer service via their chat and have spoken to countless of them. they all say the same thing, that a specialist will get back to me asap. It's been over 8 days now. No one has communicated with me. The only way they communicate is via their chat. they reply and close my ticket every time with out a solution. I have gotten replies via their chat at all hours of the night. when I can't chat back.

Desired Outcome

i need them to fix the application so that i can log in. there is no phone number to speak to anyone. I just want someone to speak to.

Earnin Response • Oct 16, 2018

Our team was able to provide some troubleshooting steps on 10/4/18 which resolved *** issue. We do apologize for the longer than normal wait time, we unfortunately received a higher volume of tickets during this time, but we're working on adding more agents to help with this issue as well. *** account is fully active, and she's been able to successfully cash out since her issue was resolved.

Customer Response • Oct 17, 2018

(The consumer indicated he/she ACCEPTED the response from the business.)
The issue was resolved and they have a new and faster customer service since with immediate replies.

Company is supposed to debit my account on my payday. They debited my account twice a day early causing my account to overdraft twice.
I have been going back and forth with this company via emails to try and get my pay days right. I get paid on the 10th and 22nd of every month. Not hard to understand, right? Apparently it is for this company because they keep messing up my pay days and whenever I get a loan from them, they have been debiting my account on the wrong date. Usually it's been a few days later, which doesn't have a problem, but this time, it debited my account a day early. This happened after I received a confirmation email from their customer service finally confirming that my pay days are set to the 10th and 22nd. I was hoping all this confusion would finally be over but they debited my account on the 21st for two payments of $105 and $109. This in turn caused my account to overdraft twice, resulting in two $34 fees. I emailed their customer service on the 22nd but I haven't received a reply and it's been 3 days or 2 business days since then. I've also tried submitting another time sheet with them but they haven't submitted that either.

Desired Outcome

I want the charges refunded so that it will refund the overdraft fees and then they can charge it again so that we're even.

Earnin Response • Oct 08, 2018

On 9/28/18 our support team was able to fix *** payroll setup, along with issuing him a credit for the overdraft fee he received. Now that his payroll setup has been corrected, he should not have this issue occur anymore.

earnin will take money you owe immediately,but when you try to use their services there is always an issue that prevents you. pure scam!
every pay period I borrow money from earnins, and I pay it back every pay period on time without fail without issue. but every time I do and try to reborrow, which they call cashout, there is always an issue keeping me from doing so, ether my hours arent input right, system is down, or they make me physically upload a paper timesheet, last pay period they made me upload a paper timesheet before I could use the services again. this week same thing but now they are saying they do use paper time sheets. every week I have to go through the run around to use a service they claim is at use for everyone. earnins has become a scam and is lead by poor customer service and practices. and someone needs to do something about their foul practices.

Desired Outcome

fix my account so i can continue to use the services without any issues!!!

Earnin Response • Oct 05, 2018

Our support team has explained to *** multiple times the timesheet requirements, that we absolutely cannot accept paper timesheets, and he was never asked to send one in. The earnings that were added to his account was from a valid photo of an electronic version he sent in, but he then insisted his employer wouldn't allow him to keep taking the photos of the electronic version, which is why he kept trying to send paper timesheets instead.

Our policies and requirements can be viewed in both our Help Center and Terms of Service agreement that our support agents abide by.

***
***

As for the delay being able to cash out once his account is debited, this is due to us not having a live connection with his bank. We use a third party provider (as stated in our ToS as well) so we can only receive updates once their bank sends them. However, we allow users to send in screenshots of our debits so the support team can manually update their account much faster than waiting for their bank to send us updates.

If *** has any further questions, or needs assistance he can reach support in-app 24/7.

Earnin pended payment the day before my check pends in my account, Their payments (2) posted to my account before my check did and I was charged $68
Earnin pended their payment the day before my check pended in my account, Their payments (2) posted to my account before my check did and I was charged $68 in overdraft and return payment fees. I spent the ENTIRE day Sunday going back and forth with a different person on every single email all of which were telling me this was my banks fault because they processed their payment before my check. Of course they did. Because Earnin presented the deduction before a entire day before my check is supposed to pend. They are supposed to wait until your check posts to your account before deducting. They are nt doing this and causing huge issues for their customers! I WANT THE $68 IN FEES RETURNED TO MY ACCOUNT. THIS WAS THEIR ERROR NOT MINE!

Desired Outcome

I NEED THE $68 IN FEES REFUNDED TO MY ACCOUNT

Earnin Response • Oct 05, 2018

We have no record of anyone by the name of *** in our system, so we are unable to verify this claim or help assist in the matter. We would need the correct name the customer has on their Earnin account in order for us to take any further action.

Does not provide service as advertised

They advertise that money will be withdrawn on your payday but they did it prior to causing me fees

Desired Outcome

They need to change what is advertised to consumera because it is false. I want my fees refunded

Earnin Response • Sep 27, 2018

payroll setup was incorrect due to an irregular pattern of deposits our system detected, which is why she was debited on the incorrect day. When users sign up for the app, they get the option either approve or deny our predicted payroll setup so we can make any changes if needed. We understand this can be overlooked by some, but we'll always correct this and make things right if any errors occur. Our team has since corrected her payroll to reflect the correct date, and we issued a refund for the overdraft fee our debit caused. Support can be reached in-app 24/7 if any further assistance is needed.

Customer Response • Sep 28, 2018

(The consumer indicated he/she DID NOT accept the response from the business.)
They still tried to deduct the amount again on the wrong date causing me to have a NSF this time. I don't know why the can not get this correct. I have not given them two chances. I want my NSF refunded and I want my account closed. I no longer want to use their services.

Thank you

Earnin Response • Oct 08, 2018

On 9/27/18 our support team fixed *** payroll and sent her a $34 refund credit that posted to her bank account the same day. There has been no attempt of us debiting her account since the original issue occurred. Her bank did post an overdraft charge to her account after our credit posted, but this charge was not caused by Earnin since no withdrawal was attempted. *** would need to speak with her bank as to why the fee was posted since this was on their end.

Company failed to setup account even though they had been giving all my personal information.
I began setting up my account on Monday 9/1/18. I submitted all of my personal banking information, ***, and enabled GPS tracking locations. The company approved all my banking, but failed to begin adding my daily earnings allowing me to cash out and receive a loan. Numerous times I submitted documents and asked why it wasn't working. I was told there was a GPS issue, however all of my phone settings were in accordance with their guidelines. I am afraid they are going to take money from my account that is not authorized nor borrowed from them. I have not been able to "cash out" and don't owe them any money. However, it is concerning they have my banking information.

Desired Outcome

I want assurance they will not steal my money or to get the account setup.

Earnin Response • Sep 24, 2018

Unfortunately, since *** didn't have access to an electronic version of her timesheet and we were having issues detecting her location for Automagic Earnings due to bad reception/poor data signals, she was unable to cash out.

We set strict security measures with a 256-bit encryption to protect the privacy and security of information. *** never cashed out, so no money was debited from her account, and she since closed her account on 9/9/18.

The Earnin company is terrible expecially with responding to messages I have emailed them so many times .
I emailed Then to explain that I got my phone stolen and I never requested 100 dollars and they debit it a couple weeks ago and I was wondering why I had a overdraft balance I was so mad I want my 100 dollars back Because I never requested that on the 3rd I even showed Them my bank statements proving I had got paid and didn't request money and Being award I just got a new phone . Also they're saying I owe them 53 , 47 , and 3 dollars which is fine because I used that money but the 100 dollars I did not Im just very upset . Because they're not responding or working with me

Desired Outcome

To answer and refund

Earnin Response • Aug 31, 2018

Our system shows there was a cash out made on 8/3/18 for $100 from ***'s account. We understand if she didn't make the cash out herself due to her phone being stolen, however we do not offer refunds in this particular case because on 8/3/18 we successfully sent $100 to her bank account she still actively uses, so the money was placed into her account, meaning there's nothing to refund.

Customer Response • Sep 05, 2018

(The consumer indicated he/she DID NOT accept the response from the business.)
My card information and everything got switch I have a New card which means I didnt use any of that money you sent me if everything I stolen I clearly got New stuff so therefore I want my money back!!

Earnin Response • Sep 12, 2018

In most cases, when a customer informs their bank of debit card theft and the account is then closed, the bank can issue a credit of any funds lost. We are currently working with *** and her bank to ensure she successfully receives any money owed.

company is not fixing there mistake! They are showing there taking money they never gave me!
I used this app to cash money out to receive before my next paycheck ( this is what the app is for)
On 8/17 I cashed out $100 and received it
On 8/19 I cashed out $100 I did not receive it
On 8/20 I cashed out $49 I did not receive it
I contacted there support I was told to give it a couple more days I waited nothing it has always come same day or day after previously! I contacted support again they said they out escalate the issue to get it resolved then came back and said to wait another day we are going on 8 days of it not being deposited in my account and they keep responding with on there end it is showing it was all set well it's not all set I never received th $149 but yet they are showing the $149 coming out of my account on 8/31 and they have yet to fix or giv is me an explanation or even call me to tell me what's going on! I just keep getting give it one more day we'll I am not waiting any longer it's been 8 days and if I keep waiting I am paying them $149 for money I never received! Horrible customer service and they obviously can not solve any issue that arise and they have no cr so you can speak with someone you can email them and than wait a day for a response of someone who has no idea what is even going on! At this point they are thief's

Desired Outcome

I want them to fix what they are showing they will debit from my account on 8/31 to $100 because that is all received and no all I owe them!

Earnin Response • Aug 31, 2018

There was an issue with ***'s debit card she recently put on file, causing the money she attempted to cash out fail to post. Her account has been updated to only reflect the $100 cash out that successfully posted to her bank account to fix this, so she isn't being charged for the $149. If *** needs further assistance she can contact our support team including supervisors in-app 24/7.

Customer Response • Sep 05, 2018

(The consumer indicated he/she DID NOT accept the response from the business.)
There was nothing wrong with my card at all the mistake was on the end of there business it took them weeks to fix the matter which they finally did! But telling me to contact there support app 24/7 is beyond ridiculous because they don't respond to until hours later sometimes days! And you can not talk to anyone directly.

Earnin Response • Sep 12, 2018

's issue did take longer than we would have liked to resolve, however this was to due an increase in volume of support tickets, as well as waiting to hear back from our providers on the matter. We're currently doubling the size of our support team to fix delays in the future. We appreciate the understanding in the meantime, and all requests are very important to us.

Inconsistent and untrustworthy - have been using the app for over a year and they are giving me $25 of earnings for 8 hours of work!
I have been using this app since it was Active Hours and I've had a few problems but they're usually quickly resolved and fixed. This time I'm having a bigger problem - when I tried to submit a time sheet after my most recent pay day, it wouldn't go through at all and when it did, it gave me $18 of earnings for five hours of work.

They say that they have my hourly rate wrong but I updated that with them less than a month ago when I got a raise.

Tonight, the exact same problem - I worked six hours and when I added my timesheet it said I had $24 of earnings - no job in the united states pays $4/hr!!!! I depend on this service to pay bills and by food and they are completely leaving me out to dry here.

I've emailed them multiple times, asked to speak to a supervisor and I keep getting passed around to different customer services reps who I have to explain the situation to all over again. Cannot speak to a manager, cannot call because they don't offer a customer service number.

Incredibly frustrated.

Desired Outcome

I would like them to take my timesheets back and resubmit them at the correct rate.

Earnin Response • Aug 31, 2018

We had a supervisor take a look at *** account, and his hourly rate was increased on 8/27, timesheet hours were added, and the Automagic Earnings issue has been resolved. He has been able to successfully cash out his full pay period max. Also, if a user has a negative bank balance, the hours worked will become unavailable to cover the balance in efforts to avoid debiting too much money back on payday. We informed *** of these updates and info on 8/28/18 but haven't received a reply back.

Gave me money then took it back!
PLEASE BEWARE!!!!! This app was very useful at first until I cashed out $100 just for it to go missing the next morning putting me at -$99!!! What happened? I received an email saying I had received the money & it was RIGHT THERE in my account then the following morning my account is in the negatives? I just had to cash out ANOTHER $100 just to only have SEVENTY FIVE CENTS TO MY NAME!! I'm sooooo upset. I have never been this *** in my life. Tried to contact them but I have to wait a day for a response? It's Saturday so that means I won't hear from them until Monday or Tuesday. This is stupid. You never play with someone's money. Last time using this app once we come to a resolution... I cannot believe I am completely broke! People work hard for their money just for you guys to give it THEN TAKE IT BACK!

Desired Outcome

I would like my money back! This app has been very useful up until now! I had the money & then it just disappears from my account? I don't like my money being played with. Please, just return my money!

Earnin Response • Aug 31, 2018

Once our credit posts, we do not have the ability or authorization to remove it from the account until their scheduled payday. If a credit posts, then seems to be removed on a day outside of the scheduled payday, this is solely on the bank's side, not ours. It does appear her 8/24/18 cash out request was temporarily held by her bank, and didn't post until 8/25/18 along with the second $100 request she made. So, the money has been successfully posted to her account, but if Diamond has any further questions, our team is happy to help at anytime.

Used their services to get some temporary money, going back and forth all day telling them to debit my payment back.
Orginally emailed their support as I checked the app after my paycheck was deposited and it still didn't show in their app so I filed a ticket to say hello, money is there please charge it for what I owe. They asked for a screen shot of my bank account to confirm my deposit, I did that and said here it is please debit my account for what I owe. they've since sent two emails back saying please show where we debited your account, both times I replied saying no i'm telling you to debit it because you have not. Their customer service is absolutely terrible or they have people handling it who do not understand English in order to properly do their job. It's a nightmare and needs addressed so others do not have to go through this nonsense.

Desired Outcome

I want my payment pulled from my account and I want my account closed with them. Someone should review their records if possible to see how many others are going through similar situations and just not reporting it.

Earnin Response • Aug 28, 2018

After viewing ***'s support ticket, we do see where the agent made some mistakes, and we're actively ensuring this agent has more training to avoid any other issues. While we're unable to set a time on when our debits process, we set the date based on payroll history. So, ***'s account was successfully debited on 8/22/18 and he can now close his account if he desires. We do want to improve the experience moving forward however, so we're happy to help 24/7 and can be reached either in-app or by emailing ***@earnin.com.

Customer Response • Aug 29, 2018

(The consumer indicated he/she ACCEPTED the response from the business.)

I eDespite my numerous emails they still took money from my account early and caused overdraft fees I don't have
I have sent you numerous emails explaining at my paycheck was not going to be direct deposit but that I was going to receive it in the mail due to an unfortunate Mistake by a co-worker they assured me that they would not debit my account if the funds are not available however they did and now I am stuck with an overdraft fee that I cannot afford and every day I do not pay it they charge another one no one has responded back to me emails and screenshots the email that assured me this would not happen I would like someone to respond to me and refund the amount they promised would botbe taken out my account until funds were available. I understand that this was my fault and that in order to cash out you have to have direct deposit set up however I explained the situation and they assured me that this would not happen I honestly wouldn't be so upset if they hadn't said that

Desired Outcome

I would kike a refund for the money tgey debit my account as well as the overdraft fees.

Earnin Response • Aug 28, 2018

We appreciate ***'s updated case description. As she stated, there was an error on her employers end where she ended up receiving a paper check instead of direct deposit, which automatically places her account on hold, and leaves us with the inability to debit her account at the regular date/time. However, our support team has worked with her on the resolution to this, and she can reach support in-app 24/7 if any further assistance is needed.

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Address: 200 Portage Ave, Palo Alto, California, United States, 94306

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