Earnin

Earnin debited my account for $50.00 citing it was for a cash out on 1/28/2020... THIS IS THEFT
I received an email from Earnin stating that they was attempting to do a debit of 50.00 from a cash out date of 1/28/2020... I even have a bank statement that they already debited that out of my account... IT IS APRIL 2020, and I used them once after those alleged dates in March, with no problem and they debited my account... So how is it, I owed them for 1/28/2020 when I was able to cash out in March!!! THIS IS THEFT from my account, I haven't used Earnin since the first week in March and they pulled funds out of my account for a debt I already paid of!

Refund for the $404 dollars that I was charged using there service based on wrong information given by representatives and supervisor.
I was using the Earnin application on a regular basis before the virus spread came a long and I had to start working from home on March 13. I chatted in a few days before this to inform the company of this and they said to chat in everyday to get earnings added to the account. I started chatting in everyday, but starting having issues with representatives because adding hours was not the usual practice. I had one representative that completely changed my pay period and caused issues to my earnin account during this period. After we got this issue resolved I finally asked to speak to a manager named *** who had me jumping through hoops to get an official approval that I had already gone through with two representatives previously. Finally we came to a decision that I would need to continue chatting in to get my hours added to my account. I chatted in again to get my hours added, but representative transferred me to a specialist since I was having so many issues. The specialist said that they could only do so much, but earnings should not get low based on paycheck. Also informed me that I would not have to chat in everyday and earnings should be able to be added to the account with a paystub. The first paystub method hour earning went through great and they were able to get everything added with no issues. Representative told me to chat in once I get paid on April 15 and I should be able to get my hours added again. Chatted in to speak with a representative because my earnings hours had dropped from $854 to $199 and thought this was because my paystub information was not updated. *** the representative informed me that the Earnins had been updated for this account and that there was nothing she could do. I was confused because this meant that the company just got $204 out of me and I would not be able to cash this amount back out. *** and other representatives stepped on there toes multiple times one time saying that hours are added based on hours worked; but was noted on my account that I don't have a timesheet because I'm a salaried employee. Then *** and other representatives said that it's based on paystub for time period so which is correct. My main complaint is this company says they are trying to help people, but it feels like they are more taking money while reducing the Earnin amount so users are unable to cash out as much. This is a big issue for me because they are not holding up there end of the bargain. Was trying to add multiple pictures of the chats between each representative but it's only allowing me to add one picture at a time.

Horrible collection process
I switched bank accounts and I let earnin know. I gave them my new bank information and told them to debit my new account. This was in February/March. They didn't debit my account. They decided to debit my account during a nationwide pandemic. This is after I contacted them and let them know I lost my job and was trying for unemployment. So my account overdrew. They reversed the fee but refuse to give my overdraft back, after they told me they would. I have screenshots of everything. They then asked me when I was getting my unemployment. I have no idea! Millions are without jobs

At first this service seems like a great idea. The problem is, the app is designed for people who do not have enough in their accounts to cover certain bills. As a result if there is any discrepancy regarding paying the company back, the customer is most certainly going to be overdrawn and accrue overdraft charges. However, upon trying to remedy the situation, the company uses backtalk and verbal gymnastics to show what their policy actually is. They have never fixed one of my issues even if the problem did not originate with me. As a result I have accrued hundreds of dollars of overdrafts and they refuse to help me. They need to either admit their communication is lackluster and needs to change, or change their policies since currently they're very shady. I feel very uncomfortable with this company. And I can guarantee you they will respond to this with their typical jargon regarding the banks communication, the fact that they don't reverse charges once they're posted (even though they communicate the opposite) and that everything is out of their hands and "we hope you understand". I do not understand and they have no desire to provide even moderate customer service. I will be posting and telling as many people as I can how morally compromising I feel their company is. I genuinely feel dirty after my last conversation with one of their reps.

Earnin debited my account on 1/31. It was processed yet they waited until 4/09 to say it was rejected. There is a crisis, yet they waited until now.
My account was debited on 1/31 for 309 paid to earnin. I was informed today 04/09 that 103 was rejected by my bank yet I had no way of knowing this until today. They waited until a crisis occurred and I'm laid off work to claim a system glitch. I don't think it is fair nor good business practices since months have gone by and I'm just now being made aware of this glitch on 04/09. I do not mind paying my debt however the timing is a huge inconvenience.

Earnin has a GLITCH in their app! They had me on automatic cash outs which I stopped and then turned off balance shield to stop automatic cash outs from happening again. Then they sent me a cash out again anyway! I contacted support to tell them that Earnin is still sending me cash outs when I haven't enabled it and the representative essentially called me a liar. The rep then refused to give me their employee ID number so I could report them. (Watch out for a rep named Adelfa! Very rude!)
That is fraudulent because they are allowing the app to re enable balance shield and recurring cash outs so that they will always have a steady stream of cash from your paycheck! They're thieves!

Seeking refund for overdrafts and unauthorized debit form my account
After having my account overdrafted 4 times on my payday I requested a refund of my NSF fees which they refused even though their website FAQ says that when a withdrawal is made a test withdrawal is done to make sure there isnt an overdraft. This did not happen and I was charged 140$ in overdraft charges. After that, I spoke with a customer service rep who told my my next witchdrawel would be on April 18th, as noted in the file of the conversation above. My account was debited for that today leaving me with very little money to survive for the second week in a row during this pandemic.

This company has no compassion *** humanity when it comes to anything. They are so quick to ask or beg you to donate a couple of dollars but when this whole Corona virus outbreak happened they said we are not going to honor that I have an email from the President, HR and relevant upper management folks for the company and work with and for god sakes my state is under a lockdown but in so many words they told me too bad we cannot do anything for you. I have nothing for a company this heartless and it is evident you'll only care about the $2 that you'll make from each person. You can be rest assured I will never ever use you and I do hope someone thinking about using you reads your reviews

The developer promised that during the pandemic we could still cashout while at home as long as we were paid but that is not true
I attempted to withdraw after my money was deducted but was told that I could not because I was working from home. I reached out to the developer before my pay date to make sure because my rent is due and they assured me along with people on their reviews that we would be able to. I sent my paystub twice and it was rejected. I was 434 in line to speak to someone on their chat service and the person apparently only had a list of things they can do and the actual company does not allow them to help us. The only response I got from the company was to contact the chat line which again will not help us. I've paid my money to them plus 10% tip and they refuse to help us out. My HR department does not have someone who can write and sign a letter alerting Earnin that there is a global pandemic and we are being paid until the middle of April but it's pretty obvious when all you have to do is turn on the news. I do not appreciate being lied to. I do not appreciate having to pay a late fee or court fee for my rent. Be more honest about not having the ability to help people. If I had known that I wouldn't have withdrawn in the first place.

I have normally had good experiences with this app, but this time around I have not. There has been similar mistakes, I see on this page. a cash out and tipped big to get me through until my next paycheck was coming (been out for the last few weeks until WFH transition). Earnin has said they had sent me 50 and it would arrive within 24 hours. It has not. I did the messaging, which had 778 people ahead of me in line. I waited about 6 hours until the chat answered - and the person assured me it was there. I called my bank three times and they said there was no deposit and they had no idea what a "control" number is. I sent them screen shots of my bank account (which they managed to withdraw from but not deposit to). The people on the other end just kept saying they couldnt do anything or fix anything and that the money was going to come out on the 10th of April. But I never received anything to begin with. I want to close this account now, but I am stuck. 50 dollars would mean a lot to my family at this point, otherwise I wouldn't even argue about it. Especially if I get charged on Friday then it will be 107 (50 never deposited and 57 I agreed to pay for it.

This company, while helpful to begin with, has become nothing but trouble during this time of crisis. Due to the spread of COVID-19, my job has determined it is best for me to work from home. When presented with proof that I am in fact still working and receiving direct deposits, this company still refuses to work with me. I have never missed a repayment, and am now more than ever needing a safety net now that my fiancee is out of work, only to be met with some of the most unprofessional customer service I have ever received. ***. Was my agent, and instead of providing me with a resolution, chose to end our chat after I waited over 2 hours in queue waiting to speak to someone. The manager that followed up was of no more assistance. I will never use this service again, and would urge others not to.

The earnings in my account were hovering around *** and are a rolling total at Earnin. Today, my earnings went to zero and must be corrected.
I have been using Earnin for some time, and I have had a rolling total of earnings in their system which I drew advances against.

Today, my earnings were zero. This is not normal, as my earnings have always been a rolling total that I am able to draw against, as long as I have not hit a max.

I contacted Earnin via chat support to resolve this, however the agent, *** refused to help me, and kept telling me there was nothing she could do, despite previous agents successfully helping me correct my earnings via submitting a timecard. I was simply given repetitive talk-offs in a dismissive manner, and was told I could not be helped.

I am very frustrated and upset that I have not recieved proper resolution, as I have earnings that I am eligible to draw funds against, and I should be allowed to do so.

I have asked multiple times to delete my account, yet I get many emails a day trying to get me to use their service. They have continued to ignore me.
Earnin is refusing to delete my account after I have asked them to for weeks, and instead they have increased the number of marketing emails they are sending me.

Earnin is not allowing employees who are working from home during Coronavirus to get credit for those hours. I can't cash out but they can still debit
I have been trying to contact them about this all day but their "24/7 Support Chat" is offline and they are not responding to emails.

Transactions of debits and credits are not matching up. They are trying to charge me an extra $100.
On 3/20 my vacation pay was not deposited correctly. Only $100 was taken from Earnin Bc that's all they could take at the time. I notified them the day prior that there would be a mistake and that on the 23rd the rest could be taken.
On 3/22 my max out info changed to $250, and Bc I needed the money I took the extra $50. On 3/23 they took $200. When they should have only taken $100.

They are stating that my max out info changed to $300 without me knowing and that I maxed out $300 on the 6th, 7th and 18th but my max out info was only $200.

I received the cash outs, but not I should have a balance available to take from even after other cash outs after.

They have NO phone services to speak to someone so I spent 4 hours in total on the phone with the bank and "talking" through a live chat where it was disconnected. Even though I told the manager to please hold on while I'm on the phone with the bank.

I had to reach out to them via messenger on FB, and still nothing was resolved. I'm tired of texting, messaging and the nonsense.

I want to speak to a live agent and not through email either. I am a parent Of 5 and husband, an employee, a son... I do not have 5 hours of my day to sit on my phone and wait for responses.

The whole situation gives us a disgusting taste in our mouths. And it's completely inappropriate now.

I want this handled properly, and I want my account closed. All I am suppose to be owing them is $150 not $250.

I needed to reschedule a payback that I had already rescheduled once. They said it is impossible. First the debit has to be bounced back to them.
I had borrowed *** dollars against my paycheck. I was not able to pay it back due to the fact that I was furlough from my job without pay due to the Corona virus. They let me reschedule the payment till April 3 now I still will not be able to pay back the money on April 3 so I had a live chat with them this morning 3/29. They told me that they can not help me the payment would have to bounce back to them first so that means once my little money from unemployment I will be receiving will go to them and I will have nothing no food no rent no car payment no money. The way they work is as soon as your pay goes in your account they take their money right out. I do understand their policies but in a time that so many people are suffering they are taking advantage by not having policies in place to help people in need and also when I brought this up the woman ended the chat.

I've had nothing but good experiences with this app! The customer service I've received through their chat has been great and I've reached out multiple times. I've been using it for over a year and have no complaints!

Great application - real people to speak with and assist you with all of your needs. They are flexible and have helped me out quite a few times when I needed it most. No gimmicks or hidden agendas or fees. I would recommend this App to any and everyone who may need to borrow money from their paycheck in advance !!!! Life happens fast and Earnin does a pretty good job of showing up and keeping up.

This company has saved me numerous times and has outstanding Customer service!

The app picked my tip amount without my permission
Today, I did my regular cash out of *** when I went to the next screen, there was supposed to be a tip wheel that allows you to tip what you want. But there wasn't a tip wheel. Instead, there was a blacked out screen with a message that said *** will help 6 people". Of course, I'm not tipping them *** for only *** so I hit the back button and nothing happens, so I exit out of the app. I sign back in and the app is saying I am going to be tipping them $10 . I immediately contact support and the unhelpful person says tips are voluntary and they do not refund. I told the people I did not volunteer this amount the app did this and to change my tip to the correct amount.
They are basically taking advantage of people, 2 of my coworkers said the app did this to them as well. They are refusing to fix or adjust the pending tip and think it's okay. Not only am I going to block them on my bank account but I will never use them again.