Earnin

No response from company after notifying them my bank changed debited old account causing overdraft of 30 dollars
I notified earnin on 8/13 that my bank would be updating I didn't get a reaponse until 8/14. The person that I spoke with notified me that I can move my scheduled debit to my next pay period which I agreed to. After agreeing with the change the rep informed that she couldn't move the debit due to not notifying the company within 48 hours which I did on the 13th. I explained that I sent my email on the 13th and recieved no response. Earnin processed to debit my old account causing an over draft fee of 30 dollars. My new bank account still has not been added. I've reached out 4 times and still no response and now I can't even use the app. This is poor customer service I really enjoyed the app as an emergency turn to and now I can't use it.

Advertises as a payroll service but masquerades as a micro financial manager
Earnin thinks it knows what's best for you financially and attempts to micromanage it by setting arbitrary payment max limits and they'll start you off high, but will treat you as if you're incompetent if you don't have a certain balance in your account and thus, lower it each pay period til you'll only can draw out $50 even though your paychecks are in the thousands. They don't consider if your balance is where it's cause of bills, rent, etc. This unspoken, unknown balance limit on your account is utter ***. They also don't properly calculate your earnings by your hourly rate, but based on whether you're full time or not, so the rate they say you worked for the day, is actually lower than you are paid. They are not even transparent about how they do all this. Been using this service on and off for about three years now and never been late on payments or overdrawn. I'm done with this service as any attempts to talk sense to the customer service just leads to scripted responses. Their tagline says it's your money, but in reality, it's not. I do not recommend this to anyone. Unless you like being treated as an *** who don't know how to manage their money on their own.

No customer support and overdraft fees.
Signed up for earnin, and set everything to withdraw money. When my payday came which is thursdays at 4:10pm est, at 7:30am est my account was hit for the amount owed and and INSUFFICIENT FUNDS from them. Yet they got there money.. now they took an additional $30 due to insufficient funds having my bank info and being able to see when it gets deposited. Then I got hit with $10 from my bank due to it. So a total of $40 on top of the $100 owed was pulled from my account. I emailed customer support reguarding this telling them if they couldn't change the day to Friday then I would submit here because they stated "when you paycheck gets deposited then we will debit your account" after my email to them I noticed there "help" center changed. There help center now includes that issue and a "resolution". But I have yet to hear back from them reguarding it and it's been 4 days, when they say within a day they will get back to me. I have checked everyday to make sure they have or haven't gotten back to me so it's not like I haven't made an effort. Now that's $40 plus another $40 from This paycheck that has been added on top of the $200 total now. $280 paid for 200.. this company is a lie, a joke, and most importantly they steal from customers to continue to operate.

Earnin will not contact me or refund me for the NSF fee it charged and took from the wrong account, an account it was not authorized to debit from.
Earnin was authorized to debit from my checking account associated with my direct deposit. It did not and pulled from an alternate checking account resulting in a NSF fee for which I was charged twice for resulting in a $60 negative balance. Me wanting to be in good standing with my bank I sent the money over so that I would not have a negative balance. I have contacted them about the issue for which I received automated system emails about a debit to be rescheduled. Since then Earnin has taken the correct debit from the correct account for which it was authorized. But I have had no one contact me about the refund I initially inquired about. It has been over 24 hours (email states someone will contact me by then).
Earnin has access to my online banking, but them incorrectly debiting from a newly opened checking account is not good practice. And even worse when no one contacts the customer to let them know ANYTHING. I did nothing wrong, yet I am penalized for a mistake that was made on the Earnin Application's side. I can provide screen shots as needed of correspondence (including screenshots of my banking information) and of emails that were sent to me regarding this matter.

Issue with hold on my account
I'm very upset with the customer service and the turn around time to be contacted with my ongoing issue I have had for the past 3 weeks now. I have been a customer for maybe 8 months now. My current issue is I had to change my checking account due to my previous account being compromised. When that happened I received a new debit card and checking account. I advised Earnin of the new information and They advised me that my account was not valid when they attempted to process a test transaction on July 16. I spoke with my bank and they advised me that they had no clue of the test transaction on July 16 at all and there was nothing they could do because the trace # given was not in their system. After numerous attempts and constant back and forth emails Earnin finally manually entered my checking account and routing number in their system. I was advised that they were able to add and they were going to do another test transaction to see if it post. I sent them a screen shot of the test transaction and they said issues would be resolved. However, I'm now getting pushback from the representatives and they are advising my account is still not correct! I currently have my account on hold because I owe them 100.00 and because of that hold I'm not able to borrow money until the issue is resolved. It's very frustrating I've been told all the issues would be resolved once the test transaction would be posted to my account. Now I'm once again back at square one with false information. I need this resolved immediately. I need their system to be able to allow me to get funds and the hold to be removed from my account. They have multiple emails from me and I have from them as well. I should not have to continue to go through this without a proper resolution and I demand a resolution asap!

Thanks

Earnin ignored my emails for 3 days after charging me on the wrong day & causing overdraft fees
When I first used the Earnin service, I noticed that they were charging me before my actual payday, which is when they are supposed to charge. I informed them several times that I was being charged on the wrong date. I was told not to worry about it at first, then I was told to provide proof, which I did. Then I was asked to provide proof again, which I did. They basically stated that my proof (a screenshot from my account showing that my paychecks do not clear until the 15th or 30th of the month) was not good enough. I continued to email them and say that I was concerned about being charged on the wrong day and incurring overdraft charges, and I was told to notify them in the event that it happened. When it did happen on the 27th of July, I notified them immediately and got no response. I sent several emails, which up until today they have yet to respond to. They have not even sent a confirmation that they are looking into the issue. I want the money back for those overdraft charges because this was completely avoidable, and I notified them well in advance of the issue.

The company wouldn't even set up my account saying that the balance is zero when it's not. Not sure if they just didnt want my business or not. They keep asking me to send screenshots of my bank account, when thats not possible. I asked how positive does the account have to be to get set up and no one wll answer that question. I think $20-30 should be positive enough as to not over draft on a $.10 test. I'm not quite sure what they want to be in the account as I wouldnt need the loan if there were hundreds of dollars in there.

Customer Service Does Not Respond
I have been using the service for a year and a half now and have always worked at the same place. All of a sudden, a week and a half ago they stopped updating my wages (earnings) in their system. I emailed customer support on 7/20/18 and they wrote me back the next day saying that the GPS was showing that I was staying at work for over 13 hours a day and their system could not auto update my earnings for that many hours. I immediately wrote them back stating that what they're showing in their system is not possible because I get to work every day at approx. 8am and leave every day between XXX - XXX which is only a 9 hour work day. Since I sent that email five days ago, no one has responded back to me and my earnings are still not correct in the system (today is 7/25/18). I have since emailed them four more times, even requesting a manager or supervisor contact me, and no one has responded to any of the emails. Their site gives no phone numbers to contact them so we are stuck with only dealing with these issues through email. I now will become able to draw off of my wages tomorrow evening but I will not be able to because they have not updated my earnings in their system. This will cause a hardship for me.

My information was stolen within 24 hours of signing up, have been asking company to close my account for a week with no results and now no response
I decided to try Earnin for the first time on 6/16/18. In order to use their services you have to link your bank account. To receive a cash out faster, they ask you to link your debit card. I did so and proceeded with a cash out. The money was instantly transferred to my account. Within 24 hours of linking my debit card I received a fraud alert from my bank. Someone had stolen my debit card info and attempted 2 different purchases in 3 different states, one of which was successful. I immediately contacted Earnin after my bank via email to let them know what had happened and asked for my account to be deleted. The response I received was they couldn't close my account until my cash out was paid back. I said fine, but please close as soon as it is paid back oh and by the way, thanks for your concern about my info being stolen. They then responded asking me to send screenshots of my bank account to them so they could see the transactions, and said they're system is safe and secure and basically that there is no way that my info was stolen from them. I refused to send them my bank info, said my bank was investigating the charges, and asked again to have my Earnin account deleted. They debited my account for the cash out on 07/20 and it showed as cleared 07/23. I have sent them numerous emails to close my account with no response.

First they got my pay day wrong. Got multiple agents with different solutions and still didn't correct issue.
Originally they got my pay day wrong. When I requested that they change it I was informed it was too late to stop the debit and ended up with $70 in fees from my bank. Over a week later, after MULTIPLE agents asking for different forms of documentation, which I provided, they STILL have failed to correct anything on their end. Each time I provided proof to one agent, another would ask for yet ANOTHER form of proof. Often after I provided the documentation, I'd hear nothing back from that agent and have start all over with another one. They have a spectacular lack of follow through and accountability. Not only do they fail to correct issues that even a child could recognize, but they obviously fail to communicate not only with the clients but with each other. They market themselves as assistance till payday but so far all they have done is COST me $70 in fees with their lackadaisical approach to customer service. There is no number to contact anyone and so far my MULTIPLE requests that someone in management at least contact me have gone unanswered and ignored. It makes me VERY nervous seeing as they have access to my bank account and obviously no morals or sense of responsibility when it comes to other peoples money.

terrible customer service
I have been trying to reach a representative for the longest because earnin is trying to say that I have.n incoming debit of &103 though I only cashed out about $50/$60 this pay period. It makes no sense and now it's saying "I will see earnings within a day of work. Add a time sheet to speed it up" I CONSECUTIVELY UPLOADED TIMESHEETS AND IT WONT LET ME CASH OUT STILL. Honestly upsetting and making me debate getting ride of this *** app all together. I feel like I'm getting played somehow.

Removed funds from my account 1 day early causing an overdraft fee.
I have used Earnin for afew months. twice previously, without my consent, they have changed my paydays to Thursdays in their systems. I have reached out to them and they changed back to Fridays. The final time I spoke with someone they assured me it would not happen again.
This week they again changed my payroll date and went through with removing $101 from my account a day BEFORE my payday, which in turn caused a $31 overdraft fee.

They were very responsive at first to my multiple emails and *** (Earnin) let me know if I received an overdraft to send a screenshot to them. I submitted my screen shot to them on Thursday 7/19. After which they no longer would respond to me.

Tried to prevent an overdraft but it still happened!
On 07/16/18, I reported to the business that I won't be get paid until next Friday 07/29/18 to prevent any overdrafts from my bank. Just to make sure I once again emailed the company to find out what will happen if I can't pay the money owed in time. I tried to find out if I can make payments and they said as long as I have $100 in the account it will be fine. I responded to them that I will to have to wait until 07/29 to clear the balance. On 07/20, my account over drafted and I had proof stating that I was not going to be able to pay the money owed until 07/29. They stated that after careful reviewing, they cannot issue a refund because I did not clearly state that I wanted to postpone the payment. I stated on 07/16/18 at 8:39PM PDT, "I do not get paid until next Friday but can send another time sheet for this week showing that I have been working and will be until 08/03/18." On 07/17/18 12:34PM PDT, *** from Earnin stated," Thank you for contacting us today about your concern. Correct me if I'm wrong, but you are saying that you won't be receiving your pay this Friday but would like to continue being able to cash out with the app?" If you are, we will encounter some problems with that. First, because the only way that your max resets is when we are able to debit your account for the amount you cashed out on your scheduled pay day. Second, although we won't decline updating your account's earning, you won't have access to it until your max is reset. If I missed out on any information, do ask. I'll be waiting for your reply." On 07/17/18 1:08 PDT, I replied by stating, " No, I just wanted to make sure that I am not going to overdraft. Can I make payments to clear the balance?" On 07/17/18 at 1:39 PDT *** stated, "Oh, I see. Of course. You just need to make sure that your account has enough balance so that when we make our debit of $100.00 on July 20, 2018, it will go through without a problem. Or are you referring to multiple small payments?" And then I stated on 07/17/18 at 7:17 PM PDT, " OK I'll probably wait until next Friday for you guys to take the amount out. I just wanted to send the timesheet so that it does not look like I am not working. I just started last week therefore I hadn't worked for two weeks causing me to not be paid for 2 pay periods." I never received a response from *** and that was their error because I did state that I won't be able to pay it until 07/29/18. Yet *** from Earnin stated today that, " I've carefully reviewed the previous convo we had with you and it seems like we haven't received any advance notification that you want the scheduled payment to be postponed. Please note that we need at least 2 business days advance notice in rescheduling debits as it is also required by most banks. Our debit files are sent to your bank 2 days before the requested date. I'm afraid to say that we can no longer reimburse what the system has processed. Also, at this time we require consistent direct deposits in your bank account. We'll unfortunately need to wait until you receive your next direct deposit before we can reset your account. I apologize for any inconvenience this has caused." I turned in all of the required evidence to prove that I did email them 4 days in advance to prevent the over drafting from occurring and even tried to work with them to bring the balance down. Their communication is poor and I emailed about five different about my issue. It wasted my time and got me no where. Now I am left with -126.00 in my bank and my paycheck on 07/29 will be gone! Thanks Earnin!

It's essentially a nice scam. I tried it for a couple of month's. Unfortunately, even after I emailed support, showed screenshots of transactions, I was charged a total of $116 in NSF fees. I made it clear with support of the time I would receive my direct deposit. (8am) Even asked them if it was OK to pay them back on the Saturday of the pay period. (According to their Q&A section of the app this is acceptable if you contact them to do so) This is really how the company makes it's money. They charge micro transactions to add up the NSF fees. This is fraud. This will shortly become a federal case. DO NOT USE. PERIOD!

This company is the absolute worst. I have bent over backwards to get $150 borrowed. They have dropped my pay period max to $100 putting a financial strain on me for $55 (tip included). My account has not gotten a overdraft fee and there was no reason for it to drop to $100 when I make $993 AFTER taxes and insurance. I have sent them 2 emails stating that this needs to be fixed and both times they told me that it is all computer generated and they can not manually change it. (2 of my friends that work for payday loan companies have to blame it on the computer, so that the customer doesn't know its really the company screwing with their money). Like stated in the previous emails to this company... This NEEDS to be fixed. I have done everything you ask for and I am an adult. I do not play with my bank account.

Issues with service for an entire week with only a few customer service personnel that are very helpful with a frustrated customer.
I have used this service for awhile and didn't have much problem until recently. I am beyond livid that I have to go through back and forth communication with customer service and only a few are willingly helpful. If I am able to connect myself to my online bank account it shouldn't be a problem connecting on their part. I am not the only one who is currently going through this and I am tired of no resolution for an entire week. I have been patient and gave them a chance to work on this and it only worked overnight and the next thing you know its the same issue again and now haven't heard from customer service. I or anyone shouldn't have to wait for an entire week for something to get resolved.

They debuted my account on the wrong day resulting in me being overdrafted. When I try to reach support nobody EVER answers me in a timely manner.
They were supposed to go off my pay stub and not my time sheet for my pay periods. They did not. I'm now over drawn. I want them to reissue the money and also pay my overdraft fee.

This company is very hard to get ahold of! I've had two different transactions try to come from my account and it charged me two overdraft fees.
It's hard to get in touch with someone that isn't an automated response. I've sent numerous emails to no avail trying to get my account back to where I can cash out again. But even after all debts are paid it still says I owe. No responses for 3 days except automatic ones.

Company debited my bank account a day before the agreed upon date causing an overdraft fee.
This is a payday loan app. I borrowed $100 on June 29th with the agreement that would be debited said amount on July 4th. They instead debited my bank account the day before, Tuesday the 3rd, causing my bank account to be overdrawn. I've tried to contact said company numerous times over the past 3 days in regards to the overdraft and how to go about getting a refund for my overdraft fee....as soon as I made them aware of the situation all communication stopped.

The company acts as an emergency paycheck advance service. The concept seems pretty innovative. The app-only platform has a nice clean aesthetic. Please dont be fooled, though. The company provides the worst level of customer service imaginable. The app stops working after a while. There is no telephone # to call. Emails and dms on Facebook go unanswered. And then you start to wonder if your personal banking and payroll information is safe, given that the app is always broken. Save your time and effort. Do not patronize this company. I've had issues for 2 weeks with no resolution.