Earnin

Earnings has been a life line for me! Their reps, like Gay Ann, are very helpful and quick with solutions! I would recommend them to anyone!!

Worst app and customer service
I have reached out to this company multiple times regarding incorrect balance info. Also, if you dont too them, your app won't work correctly. I've asked repeatedly for help during covid19 pandemic and they basically told me it wasnt their problem and I need to figure it out

They have recently charged my account over 250, per their term and agreement they notify of missed payment I would recieve a notification. I didn't.
The account was charged in the amount of 250 when contacted the service they said it was for a transaction in January. I asked for contact back from a manger haven't recieved it. Logged into their chat to request another manger call 340 something other clients. I checked my banking record and verified they had already processed the repayment of the funds cashed out

If I could give a zero stars I would. This company was good until Covid-19 came into play and they began so show their true colors. They double debited my account for transactions from January. Kept asking me for screen shots of transactions I would provide them then they would ask for another screen shot of something else. Over and over in avoidance of admitting they were messing me over. Finally I got sick of sending screen shots. Then after debiting my account again they decided to lower my max cashout to $50. At a time like this. They call this a "community" but honestly they don't care about people at all. They are scammer and all of the reviews on here about their fraudulent transactions are most likely true. Steer clear people.

I was debited *** dollars on 5/8/20 and I had not withdrew money from Earnin app. I was fraudulently charged.
I was charged on 5/8/20 for the amount of 100$ I had not use the service this payperiod so I should not have been charged. My bank account shows a 100$ charge. I was also charged 5/8 which is not a pay period day!!!

The company Earnin made a mistake in January and without more than a days notice they withdrew the amount from my account without contacting me.
The company Earnin, which gives cash advances forgot to debit my account in January for the amount of 200$. I was never notified about this mistake and I didn't realize this had ever happened. Now in the middle of this pandemic, when people are strapped for cash and jobless they decide to email me the day before letting me know they plan to debit my account, without asking permission, without trying to work out a possible solution. They withdrew the money the next day and it left me over drafted and without money to provide food for my family. If I had provided sufficient information in the correct timely manner I'd have prepared for this, or we could've worked out a payment plan. I was given one day to have 200$ in my account for a mistake I just found out about the day you're emailing me that you'll debit my account. This kind of practice should be fround upon, and you guys should be ashamed of trying to reconcile your mistakes in the middle of a pandemic when people are already struggling to food on the tables for their families. I'm super dissapointed in this comapnies ability to communicate about their mistakes and give a reasonable notification of a planned debit for a large amount... This is now how you retain loyal customers.

Money removed before payday and charged $175 bank fees. Told no they don't do refunds to call my bank. Fool me once.........

Earnin took $105 from my bank for money I never received. I have been contacting customer service for the last week and keep getting a run around.
On 4/24 I cashed out $100 with a tip of $5 and did a repeat cash out of 100 with a tip of 5 the next day 4/25. The money on 4/25 never came and I emailed customer service with screen shots. They escalated it to the specialist and they told me that it was sent at standard speed and should arrive by 4/30 I then emailed back an told them 4/30 is the day they are going to deduct $210 From my bank and I only received $100. On 4/30 the $100 never came and they took 210 from me and now I'm no longer receiving a response from customer service. Attached below is my screen shot of my bank statement as you can see on 4/24 I received 100 from earnin which I left a $5 dollar tip on. On 4/30 you can see that they took $105 from me twice.

I revoked my ACH authorization per their rules and they are continuing to try to take money.
I tried to revoke my ACH authorization through their live chat option per their instructions and was told I can't revoke ach authorization. I then sent an email on April 27th and have received no response.

Debt account reflecting an incorrect amount,Contacted earing issue was not resolved and reps terminate chat when I request supervisor
I have been an Earning user for over a year and a half , I had not had any issues until recently when I noticed my cash ot balances for current pay period were incorrect. Normally a user can cash out and a debt is accumulated and taken from your bank account on the consumers next pay period. 03/30 earning collected a debt of 950 and refresh the cash out amount for the 04-04/15 pay period back to "zero" when I went to cash out the the daily max for the day I noticed that my debt has change from zero to $200 I contacted support and issue was corrected On 4/15 earning once again collected debt and refresh pay period back to zero I cashed out once again daily max of $100 on 04/16 my bank had not posted earning deb transaction and my account was placed on hold out of curosity I went to app to check my current pay period debt and the amount was once again $200
a toal of $100 dollars more than the actual amount I cashed out I resolved issues with bank and debt was paid to earning I contacted support to have current pay period debt correct and customer service agent *** proceeded to tell me account was correct and nothing could be done and disconnected chat . as I mentioned to *** debt was incorrect and that there was no way amount owed for current pay period was $200 since earning disabled cash out option due to bank not paying current debt and that I was only able to cash out once. ultimately ther was nothing earning did and my bank got drafted a total of $100 extra and as a result max out was changed from $850 to ONLY $100. on 04/30 a total debt of $200 was collected and once again the system refreshed the pay period to zero. this time I was not able to cash out but the debt for current pa period was already 100/100 which was impossible since earning didnt even give me the option to cash out, I contacted earning and concepcion assited this time agent once again ignored the fact that my pay period deb was incorrect, agent request proof of previous debt transaction which I submitted but agent said debt was for 04/15 and 04/16 which was the debt that had currently been taken out of my account the agent just gave me the run around and when I requested a supervisor agent denied me a sup and advsd if I wanted sup they will contact me and disconnected the chat. I attempted to close my account but earning app say I cannot close due to "activity" . My concern at this point is that earning is a scam and who know how long they have been overcharging debts to customers

Earnin changed my payroll from biweekly to weekly and want their money early. My payroll hasn't changed and I did not ask them to do this.
Earnin changed my payroll date and my pay period from biweekly to weekly. They did not ask to do this and my employer hasn't changed my payroll. This will result in them taking money from my account a week early.

Earnin is not complying w6my request for a refund after being furnished w/ docs that show they were already paid they still debited my account.
I last used earnin on 12/13/2019. They debited my account on 12/13/2019 for a repayment of $100 from 12/5/2019. I was allowed to cash out again on that same day for another $100 in which a few hours later they went back into my account and debited the money for that transaction. After to speaking with customer service via chat they advised that they had no record of the transaction and that I would have to wait until more earnings are reflecting before I could cash out again. From that day I never used this app again and I never will. However, on 4/25/2020 they went into my account and debited $100 claiming I owe from 12/13/2019 & claims that when they attempted to debit my account on 12/13/2019 it was returned for insufficient funds which is a lie. I bank with a credit union which provides overdraft protection so any merchant can get paid and I would then owe my bank...after speaking with my bank they confirmed that there were no returned payments and that they did in fact get their money on 12/13/2019 twice. After providing this same proof to an earnin rep it was advised to contact my bank to reverse the transaction in which my bank requires and auth code in which learning refused to provide after I complied with providing them with the documents they claim they needed to confirm that my claim is valid..this company is trash and a bunch of crooks and I want my money. These people are using covid-19 as bait to solicit business knowing that for some funds are limited. I literally went back n forth on a chat for over an hour and then once I got my bank on the line as suggested the agent had me hold for 15 minutes all to not furnish me with the authorization code but yet ask me to provide a screenshot of my bank balance which wasn't necessary seeing as though this company has access to this information.

Earnin debited my account on 04/24/2020 and my debit and paydate is not until 05/01/2020. I contacted them on said Day and the agent told me that my bank will reverse the transaction and they will waive the overdraft fee when it post today 04/27/2010. I contacted them today and spoke to *** Marie for over 2 hours who said all they can do is waive the fee but the cannot reverse the debit since my bank process it. After the fee was waived my account is still overdrawn by $132. I asked if they can allow me to cash out and clear the negative balance or reverse the debit since it was not due until 05/01/2020. She said she could not and later her supervisor Melin joined the chat. I asked him how we can resolve the issue and he does not know why my account was debited 1 week early and off schedule but there was nothing they can do. At this time my account is still overdrawn and I have no money to apply to the account and I will accumulate additional fees because of mistake Earnin made and refuse to help me resolve.

I researched to see what the protocol was just stop drafts coming from your account I was told they will be drafting be tomorrow causing me a hardship
I emailed earnin and told them not to draft any more payments for my account that I withdrew consent over a week ago nobody got back to me I've been trying to get ahold of them ever since and tonight I got hold of a representative to chat who told me they will be drafting my account tomorrow but if I send them screenshots then they'll research it and they can't do that there is a pandemic going on and they're going to cause me a hardship.

Pulling money early and refusing to refund overdrafts they caused
I get paid on the 20th and they were supposed to pull the money out on the 20th and pulled her out last night at midnight so that is the 17th and cause multiple overdraft fees and are refusing to return my money and are also refusing to respond to the overdraft fees. He keeps eating that a supervisor will call me and literally no one ever has, ever. They just say that taking you off the phone.

Agent John *** was supposed to fix my issue but instead she had me refresh the app .she told me that she was not going to end the chat so that when I get back in the app we can fix the problem with it. But when I left the app she sent a message saying that because of the inactivity she's going to close my chat and then when I tried to answer it she closed it. How are you customer service but you're hanging up on customers. That's extremely unprofessional and unacceptable. The app is *** anyway. It only works once in a blue moon for me and when it doesn't work and I go to customer service I get nothing and now I get disrespected by this company.

I asked them in advance to stop drafting my account we are in a pandemic and I can't have this money taken. I followed protocol listed online and they said they are going to draft it anyway.

If this company ttys to lie I have screenshots to prove it . Your agents are no help and your app only works good when it's taking money. That's it

You violated our payment arrangement of which I have written proof . Your customer service then refused to refund me
I had a payment arrangement set up for 05/01 set up my your representative ***. My payment was taken out today 04/17, two weeks early. Your customer service *** refused to refund the payment you took early.

I have received misinformation and such slow service that solutions were not able to be reached.
In March I experience a closure at my work and spoke to report about the issue I was going to have with repayment. At the time I was told I could reschedule the payment even though I was unsure when I would return to work and change the date if things changed. When the closure was extended due to Covid-19 I contacted them again and waited several hours to speak to someone. They told me that rescheduling was actually not possible even though that was not what I was told before. It was only after a bit of back and forth that they extended the payment just another week regardless of me saying I did not think that date would work. I also asked to be contacted by a supervisor due to the issue and that response never came which I also complained about.

I later contacted support again to try and work out a more manageable plan. They told me the same as before and that only if their debit declined would they be willing to reschedule. At that time I tried to file a formal complaint about my experience and received a blank message with the ticket showing as solved. It wasn't until contacting again after once more not hearing from a supervisor until after it was too late to attempt a resolution was I sent a passive *** email instructing me to tell my bank to just reverse and overdraft fees I might incur because of Covid-19.