Earnin Reviews (%countItem)
Earnin Rating
Address: 200 Portage Ave, Palo Alto, California, United States, 94306
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Beware. They promise you a certain amount then lower it later on. They told me because I don't tip what is fair. Every single month I have to contact them because of errors I receive. So why would I give them a good tip? So I do what is fair and then they punish me by lowering the allowed amount. I get a 200 a month raise and they lower the amount. I am already tired of spending a couple hours every month talking to them. And now this. Just stay away. They're are better companies out there. You don't need these people.
We totally hear your concern. Maxes have many factors considered when increasing or decreasing. Some of which include: your bank balance, your spending habits, if your employer works directly with us, and if you overdraft. We pay to cover the costs of sending money out and keeping the service up, and tips from everyone help us cover that cost to make sure that we're still available for you in the future. For more info, please check out this article from our Help Center: https://help.earnin.com/hc/en-us/articles/XXXXXXXXX-Why-did-my-Max-decrease-. Thank you for your understanding.
The person I talked to said it was because of the tip amount. This is my spend account. For personal reasons, I must have 2 accounts and my payroll is split into 2. Earnin is attached to my spend account. All of my bills are paid from this account. So it looks like I am spending more than I make because my husband gives me his money and then we pay from this account and you do not have access to our other accounts. I have told people that. But then I was told no, that is not the problem. It is because of the tip amount. You decrease my amount because of tips that are deserved. If I had a month that I did not have to contact you and spend multiple hours every month fixing something, then I would tip better. But then you lower the amount and then I can not able to get back what I just paid. So this is why California wants to pass law to control apps like this. I understand why now. You are suppose to help stop overdrafts, yet you don't give the same amount every time. If someone cannot afford to pay you back that pay-period, then they have to borrow it right back until they can afford to not need the money. But if you lower the amount, then they are stuck.
Hidden tricks, purposefully make you overdraft because you are not even aware the are directly debiting your account
We're sorry if she feels that way! Here at Earnin, we want to protect our customers from overdrafts and we want to ensure that our community is financially healthy. Plus our customers will still have money in their account on payday when we take back money cashed out. Check out more info about our terms and conditions, please see the link: https://www.earnin.com/privacyandterms. Addition to that, she can always reach our support team thru live-chat 24/7 via the app if there's any further concerns or inquiries.
I was so happy with this app. It helped me stay on time with bills, and it meant a lot to help other people as well. I've been using the app for some time now. Earnin is not a scam, Earnin helps people help others and themselves.
Over the weekend, they changed the banking data provider, something that I had absolutely no notice for or control over. In doing this, now they are unable to connect to my bank, resulting in a complete stop to the support I had become so reliant on. When I reached out to chat for support nobody tried to find a way to help me outside the typical troubleshooting that they put me through. Everyone I talked to took an "It is what it is" approach in the conversation, and told me they have no timeframe to share with me about when I would have access to this app again. They were apologetic, but in an I-read-this-in-the-handbook-that-this-is-how-I-am-supposed-to-respond-to-this kind of way. "We want to help, but we can't connect to your bank". Well up until a couple days ago, you could. You have all my banking information, I need to understand in lehman's terms, why the use of this app is now restricted to me.
This isn't how you operate a business. You don't blindside your loyal customers with change. More importantly, you don't blindside your customers with change that you don't even make an attept to notify them about or let them prepare for, as it is about to change way they live and operate their lives. That is not how you treat loyal customers.
You had a fan. I raved about you and brought new customers to our, (well, not mine anymore, I can't reap the benefits of the app) YOUR community. I believe I deserved better, and your attempts at trying to rectify, repair, and recover this fell way short of my expectations. This was a completely unacceptable course of action to take without warning your customers, and I hope you can find a way to make amends with your loyal customers who were affected by this soon, I loved being a part of the community.
We're sorry to hear about the troubles you experienced. However, we regret to report that BMO Harris Bank will no longer work with Earnin. We understand that this can be frustrating. If you'd like to continue using Earnin, be sure to set up a bank account with one of our supported banks. We work with 9,000 other banks and they've been used by Earnin customers for years. Here are just a few: Chase Bank, Wells Fargo, Bank of America. Once you've received at least one direct deposit in your new bank account, we'll get your Earnin account set up again. To speed it up, you can send a picture of your next pay stub that shows your new bank account via chat.
We're incredibly sad that this partnership didn't work out and want you to know that we're doing our best to make sure you can always rely on us. We sincerely thank you for understanding and hope you continue to remain an Earnin community member.
False advertising at its finest, was told that I could report weekly earnings as a delivery driver but was later told that they don't accept DoorDash
I am an independent contract delivery driver for Favor, UberEats, DoorDash and Shipt. Was told by several other drivers that I could setup to get paid for those jobs quickly by reporting my earnings to Earnin for the week, first of all they use Plaid to verify checking accounts, I had the account setup through my credit union only to find out that my credit union doesn't work with Plaid regarding the extra layer of security to verify my account with them through Earnin, this made me use my Chase account instead, after about 2 weeks I still noticed my account saying it needed action in order to complete setup. I was told by several reps to screenshot my earnings from DoorDash and that once they see the first direct deposit from them that it would in turn activate the account to start paying me. I heard this from about 4 representatives online since they don't have a call center. This prompted me to call again yesterday and this rep informed me that they do not work with DoorDash, my question is why was I given the run around on something like this?? Earnin had me under the impression that I was going to be able to get help instead of having my pat delayed every week especially when I have operating costs on my gas as well as upkeep on my vehicle. This company is very unprofessional from a customer service standpoint and should be ashamed of themselves when it comes to integrity and telling potential customers the correct information
At least allow me to use the business without reporting my DoorDash earnings, they accept UberEats and Favor but don't accept DoorDash which is strange
Upon carefully reviewing what happened to the account, We've seen that we're having an issue connecting with the customer's bank and this is certainly not the type of experience we'd want anyone to have and we understand the customer's frustration. As a resolution, we routed his bank to a better connection the only thing he needs to do is to try re-entering the bank information in the app. After that, we suggest him to reach us back thru live-chat regarding this matter, and our support team will be more than happy to help get this resolved. We'll make sure that this gets fixed as soon as possible.
Attempted to clarify an issue/close account. A battle going on 2 weeks.
First of all they do not make it easy to get in touch with any form of support whtn there are issues with the app. There was an issue regarding connection to my bank account. I reached out (after a lot of looking) to the customer support with Earnin, and my own bank as well to figure out the concern. I ended up finding out from my bank they blocked all customers from using 3rd party services with their account for security issues. I saw some one else above has the same issue as I.
I emailed the gentleman from Earning I started talking with about the sitaution and told him it was a situation with my bank.
I was letting them know there was nothing I could do to fix the issue.
My payday rolls around and I'm still going back and forth with this guy. Because it was only the day before that I reached out.
I told him I'd like to close my account with Earnin' and told him I can not access my acocunt due to the bank issue. It locks you out of the app completely which is the only way to close your account. And the app itself is a security nightmare. That was why I chose to inquire about closing my account. He ignores what I say and copies and pastes the instructions to closing my account despite me telling him I can not get into the app to do it manually.
Okay so a couple of hours pass *** the next day.
The money that was to come out of my account still came out of my account which was fine. 325 dollars in total.
And *** emails me again and says asks me to send screen shots from my bank's page to confirm the cash out as well as my paycheck coming in.
Okay I did just that.
I also made a mention I screen caps the message from my bank, stating their issue because he is still insisting I log into the app and set all this up.
I thought it might have been an AI like how some companies use AI/chat bots and they respond to key words or phrases. Which is fine. But It wasn't.
He confirms he got the screen caps.
I then repeat again how I want to close my account and I still can not as the issue with my bank is still active.
He mentioned getting me to their PNC specialist. I repeat myself again about how "It is not me it is a bank wide thing" and I am clear about it.
And I ask to close my account again.
He copies and pastes the message instructing me how to do it AGAIN.
After I repeat myself that I can not access the information and would just like to know if it is possible for him or some one else over at hte company to close it for me.
Then a couple of days go by. I think I am not going to hear back. I get a message asking me for screen shots again. Of the exact same issue.
Asking me to confirm I was paid and that they are still waiting on the payment from my bank. The money is physically out of my account it's been almost a week.
I message them and am not happy.
This is fishy, I asked to close my account. And a few of the times I asked I was told 'well you are already this far in why don't you keep it?'
And I don't have the hard to tell them 'Because your security or lack of scares me.'
And instead of telling me yes or no, in regards to closing my account I am giving this run around.
I don't want money taken out of my account when I least expect it.
I do not trust their company. And this just makes it worse.
All payments were made directly out of my account.
I just want my account closed since I can not close it myself at this point.
Upon reviewing the customer's email correspondence, we see that our support tried explaining further that he'll be unable to update the customer's account due to the ongoing issue connecting to her bank. We sincerely apologize for the experience the customer had. We always pride ourselves on maintaining the highest quality standards for our community members, and rest assured that it'll be better moving forward. We can also confirm that the account was already closed, and if she has any other questions or concerns, she can always reach us via live-chat, our support team is available 24/7.
(The consumer indicated he/she ACCEPTED the response from the business.)
Their employee did not explain anything. He kept giving me the run around. I was not given a yes or s no. I was given the instructions on how to close my account 3 times in yhr back and forth copied abd lasted. He could have given me a 'no' and I would have accepted it. Not simply giving me a copy paste after I explained the instructions literally would not do me any good at that point in time.
The situation was resolved, but that was after it escalated. A simple yes or no was all that was required. but I'm afraid that was too hard?
I am only picking yes for satisfaction on this because I want to be done with them and this.
Bank connection issues
I have no access to my earnin app account not even to use the chat option because of this banking connection issue. I've been a customer for a long time and ive always had issues with them connecting to my bank I use to have to send them screenshots of my checks being deposited and screenshots of them taking the money out of my account before they would manually update it for me to be able to cash out but now I cant even get into my app because of these connection issues ive tried to resign into my pnc account which is impossible from the earnin app. Ive eamiled them cause that is the only option I have to reach them which can take days for a response but I told them about my issues and they said to go into a web browser and try loging into my bank to be sure im using the right info which I did and its right so I told them about it being right and they said they will have a specialist reach out to me who knows when or if that will even happen. My whole problem though is if they cannot connect to my bank to let me into the app or cash out how can they take the money out of my account. Ive read other reviews where this was solved quite easily but I feel like they dont want to help fix it or care. Also since ive always had these connection issues that has impacted my max which is no fault of mine but I'm punished for mistakes their app makes? This is just so frustrating my girlfriend is injured right now so she hasnt been to work for awhile and were relying on just my paycheck this app could be incredibly helpful right now but the support team just doesnt seem to want to be bothered with it.
For the connection issue to be fixed and for my max to increase
Upon reviewing the customer's previous chat session and account, it appears that the bank connection issue was resolved the same day, May 23rd. The customer was also able to cash out the next day, May 24th. The connection issue happened was due to PNC bank updating it's security features, limiting third-party vendor's access. Additionally, connection issues don't affect how Max is evaluated. Maxes have many factors considered when increasing or decreasing. Some of which include: bank balance, spending habits, if the employer works directly with us, and if there are overdrafts. We pay to cover the costs of sending money out and keeping the service up, and tips from everyone help us cover that cost to make sure that we're still available for customers in the future. She can always reach us back anytime thru live-chat via the app if there's any further concerns or inquiries.
After taking my payment from the wrong account I incurred several overdraft fees that I was told would be refunded. I have contacted co. several times
I had a payment due March 9th and I had changed bank accts. so I updated the info. on the app several days prior. When I saw that they were still going to take payments from my old acct. I went on the chat and was told that it was in fact sent to the wrong bank but being that now it was the day prior it couldn't be reversed but I would be reimbursed for any overdraft fees that I would incur. I contacted them again after I received several fees and was told that it needed to be sent to a specialist who would then contact me by email. I've sent them screenshots of the overdraft and have spoken to 3 reps through chat that assured me it would be taken care of and it has not. They did debit my new account for the $525 on May 17th but they have not returned my fees. Now I've incurred more fees since then.
I would like them to pay all of my overdraft fees
Upon reviewing the customer's previous conversation and account, it appears that one of our specialists already took care of the issue, and requested for the customer's preference on which bank account the refund will be sent. The e-mail correspondence already closed, and we have yet to hear back from the customer. We sincerely apologize for what happened and rest assured that this issue won't happen again in the future. He can always reach us back thru live-chat regarding this matter, and our support team will be more than happy to help get this resolved.
They have not addressed their bank connection issues with PNC yet after several complaints. I have zero access to my account. cannot cash out
Earnin is apparently having issues with connecting to PNC bank accounts and the app is telling me I need to reconnect my bank information. I've chatted 3 seperate times with their chat support and I've told me to make sure I can log in to my online PNC account which I did, let them know I had access to my account and nothing was resolved. Then they told me they were waiting on updates regarding the connection issue and there was so estimated turn around time and that I just need to wait to hear back from them. I asked how they would reach me and they said email. The whole experience made me very suspicious of the app having my personal information so today (5/21/19) I went back into a chat and asked to have my account closed out. They asked me to send a screenshot of the debits they took from my account, which I did and then they gave me instructions to close out my account. I reminded them for the 3rd time I have zero access to my account, not even to delete the account. All I have access to is the chat/support/FAQ feature of the app. I asked them to just close the account and they said if the app was not back up within 2-3 days to get back to them. This last interaction made me even more suspicious of Earnin and I just want out of the app completely but they aren't allowing me too. I want my account closed out and my bank information completely out of their system.
I want them to completely close my account and take all my personal information/bank information taken out of their records
So I have been using this app for some time and for the most part am happy with it until recently. I get paid semi monthly the 5th and 20th of the month. When my pay date falls on a Sunday the direct deposit is scheduled for the following business day. IT's always been like this. So on Friday May 3rd. Earnin tried to do my payback. As I hadn't gotten paid yet this caused an overdraft on my account. I immediately (same day alerted the company). I have been getting nothing but a run around from them. I have sent in all the requested screen shots, updated pay stub showing that a Sunday pay date is set to deposit on Monday, and they got their Money back. I was assured that not only would I get my NSF refunded but that my pay period max that their system dropped (THROUGH NO FAULT OF MY OWN) would be adjusted back. Well Guess what. I still don't have my NSF fee refunded and they have not corrected my pay period max back to where it was. I feel like I am being punished because they haven't programmed their system right. ALSO their support is for the birds being asked by 3 and 4 different people to send in the same verification. I'm still waiting for their supposed escalations team to fix this. I WANT MY MONEY NOW. I'm tired of waiting. I have all the proof. It's as simple as giving me back my money and fixing my limits where they should be.
Upon review, it appears that our support team issued a credit for $35.00 to cover the overdraft fee that our debits caused. We bumped up your max to $100.00 to ensure that you will still be able to cash out the same amount like the way it was before. Addition to that, we've fixed your pay schedule saved as Pays on the 5th and 20th. holidays pay after, Saturdays pay before, Sundays pay after. We sincerely apologize for what happened and rest assured that this issue won't happen again in the future. We're available 24/7 via live chat where you can always reach us anytime if there's any other issues or inquiries that you may have.
Gave company new account information weeks prior told that all had been updated and they still have issues
When I contacted the company to inform that I had recently experienced a breach with my account. I spoke to 3 reps and gave them my new account info and was told that all had been updated. The next week they deducted the debit from my new account but when it was time for me to request funds they deposited them in the old account which should not have even still been on file. The rep said they had taken the old account off and all was fixed. Had the same issue the next transaction. Finally on 5/3 I had another transaction deducted from the new account but was still unable to use the service because it was still attached to the old account including the old debit card. I reached out to the company to inform them that the old account was still attached and causing issues, basically they were taking money out the new account but when it was time for me to receive funds it was going into the old account and it shouldn't have. They continued to say it was my banks problem but I had previously been told that the issue was resolved. So they continue to deduct money from my account that I am not receiving.
I would like them to either credit the account with the proper funds or discontinue debit from my account.
We'd like to apologize for the confusion happened and we're sorry that he had to go through this. For us to send his cash out to the new account, he needs to un-enroll the old card and then add the new debit card sometimes it may take about a day to verify the card. Please note that if the card expires or is replaced by the bank in the future, he'll still need to update the card info in the app to continue cashing out on Lightning Speed. Upon review, his old debit card is still active when he cashed out, then the new card got verified on a later time. Rest assured all his future cash out will go directly to the new account. If he has further questions or issues he can always reach our support team in-app 24/7.
I have been trying to get earn in to honor their agreement that on May 16th, 2019. That I can Cash out. I have been getting the run around from them.
I have been trying to get earn in to honor their agreement that on May 16th, 2019. That I can Cash out. I have been getting the run around from them. They are telling me I already cashed out for May 15th. Today is May 16th and they are stating I already cashed out. They are no honoring the agreement that is stated on their app. I have screenshot and emails from my conversations with earnin. My max pay out is $400 which they have debited and now they are not honoring the $400 max out period.
I would like for them to honor the $400 max payout.
Upon reviewing the customer's account and previous chat sessions, it appears that the reason why the customer was unable to cash out again, is due to his Pay Period Max being lowered to $100 last 05/02 due to bounced debits. When this happens, the system automatically reschedules those debits on a different date once the system detects a positive balance. The debits posted last 5/15, which allowed the customer to cash out again the same day. Though his next official payday is on 5/16, he's unable to cash out until the 30th. Depending on the time a cash out is made, customers may be debited on the payday occurring the next day. If a cash out is made before 07:00 AM PT and the money is received the same day, that cash out will be debited back the next day. However, if a cash out is made after 07:00 AM PT, the money will be debited back on the next payday occurring in 2 weeks, which is on the 30th. He can always reach us back in-app via live-chat if there's further questions or concerns.
(The consumer indicated he/she DID NOT accept the response from the business.)
Earnin has not addressed the issue. I have sent in my notes that show a wrong date for when I could get my pay out. They are leaving that part out. I would like for them to honor what the date stated and not the one they changed to 5/30. If this was a four of law they would also see that the date was wrong and I have a valid case due to their mistake of a wrong date. If they were on the opposite side they would want the same action to be taken.
We totally understand how important it is for the customer to cash out, and sincerely apologize for the confusion. The stated cash out date on the previous correspondence means that the customer was unable to cash on his first pay date, which is on the 16th of May, due to the time the cash out was requested on the 15th. This is the reason why the debit was set on his next upcoming pay date, which is on the 30th. Additionally, we now see that the customer was able to cash out, and he can always reach us anytime via live-chat in-app if there is any further questions or concerns.
(The consumer indicated he/she DID NOT accept the response from the business.)
I understand their system messed up, but they should honor what the date said and I should have been able to cash out on that date. It is not my fault their system messed up. Earnin is just trying not to honor the payout date. I would like to know what happened to honoring their customers. Is their customers not correct when they see a mistake. Earnin needs to honor that payout date. You can take people's money, then change what you want to do just because of your mistakes. How many customers have they done this to. Always changing things to fit what they want. They can take 400 dollars then, not allow you to get it back. Is that even legal. I don't thin it is in the state of Washington. I will be contacting my attorney general's office to find out about earnin's practices.
Unauthorized charges
After reviewing my bank statements and matching up when they gave me and money and when I paid it back, there are 3 additional $100 charges taken from my account that I do not owe.
I would like this money credited back to my account without going through the bank to file to get the money back. My account is over drafted because of this and I am being charged over draft fees until it is resolved.
We completely understand what happened, and we definitely want to help her get this resolved right away. We sent out an e-mail to the customer requesting for additional information about the fees she's pertaining to last May 25th. Once we receive all the necessary information, we'll then be able to review further and determine the options we have. We're available 24/7 via live chat where she can always reach us anytime if there's any other issues or inquiries that she may have.
PONZI SCHEME, BEWARE! This app was great a few months ago upon initial signup, I qualified for lightening speed, which is a feature advertised to guarantee funds immediately. Earnin continued to deliver and I paid the money back and tipped generously for the first couple of months. Then came the stall tactics. they claimed they couldnt connect to the bank. there were major delays and customer service was helpful at first, yet the care rapidly declined. I provided a screenshot of my bank and timecard which verified all info, yet they refused to use that as verification even though they were able to do so the week prior. False advertising and stall tactics are used to maintain their pyramid scheme. there should be an investigation and a class action lawsuit.
We apologize for the inconvenience and we truly do understand the concern. Upon reviewing the account and support tickets we're waiting for the screenshot of the test transactions to be sent. It should include the following: 05/16/2019 $0.01 Debit - Lightning speed, 05/16/2019 $0.05 Credit - Bank verification.
Since we don't have a live connection with the customer's bank, we don't receive updates instantly. So, although our debits/credits have posted successfully, we need to wait until the bank sends us the update. This is why we allow our customers to send us a screenshot to support the info we needed and so we can manually update the account allowing her to cash out again. Our company is not a scam, we're a group of people coming together to change the way people get their paychecks. She can always reach us back anytime thru live-chat via the app if there's any further concerns or inquiries.
They did have a live connection with my bank until they upgraded their system and lost the connection. I sent five screenshots of the bank verification upon their request and I have screenshots of proof. After each and every screenshot I sent, a different representative would reply with the same scripted line. they were sorry about the inconvenience but if I would send a screenshot, they would update my account. I did this five times. They ALWAYS took the money from my account on the date it was ordered, however, the delays upon which they would debit my account grew longer and longer. It was now taking 5 days for them to debit my account This is a very typical PONZI scheme where they do not actually have enough money to lend people so they use stall tactics. Mark my words, they will be subject to a class action suit very soon! buyer beware! this is nothing more than a scam.
Karen,
We are committed to our customers.
We recently revisited this issue to see what mistakes were made and how we can improve.
After researching the issue further, we found that in March we started to have issues crediting your account using the debit card you had on file with us.
When these lightning speed transactions failed, we defaulted to using ACH files to make deposits into your account.
ACH transactions are usually delayed transactions and not immediately available in your account.
This is why you started to experience delays in your credits.
When you contacted support, you were continuously given the wrong support advice by our agents.
They were trying to assist you with your lightning speed, but they overlooked the possibility that your card needed to be updated.
Our mistake was not identifying this for you, and bringing this to your attention.
We apologize for the incorrect information that you received, and the frustrations this has caused you.
I am shocked and appalled that it took over two months for someone in your company to figure this out even after I explained the exact same thing to several of your representatives. If your employees are unable to troubleshoot an easy problem, I certainly do not trust them with my banking information. The vision of Earnin is fantastic, however, you might consider investing in extensive employee training. I suspect that your employees are trained to stall the payout process while making sure to collect funds in a timely manner. Still smells like a Ponzi scheme to me.
Earnin took money out of my account before my payday causing overdraft charges and max decreases
My employers pay date changed and I changed bank accounts. I had to resubmit my pay stub and they scheduled for the money to come out on Tuesdays. I informed them that my payday is Thursday but they would not change the pay back date. This caused several overdraft fees. After contacting Earnin via chat (the only option) I was told they had to look into it. It took them a week to contact me back and this caused several other automatic payments to bounce because of me not being able to "cash back out". After a month getting that all squared away they then decreased my max from $300 to $100 saying it was because of the delay in them getting their money back even though it was their mistake that caused all the initial issues. Now I am in a situation again because of this max decrease which they say that cannot adjust because it is their "system" that automatically makes adjustments. This has been nothing but a huge problem that has now cost me over $300 because of their mistakes. Unacceptable.
I am asking that they adjust my max back to the $300 it was before as I have never had any issues paying back borrowed money before their mistake including having a max of $700 before.
We sincerely apologize for the issues *** experienced and have a closer look at what happened. Upon review, Our support team issued a credit for $148.00 to cover the overdraft fee that our debits caused. Also, we updated his pay schedule as Pays every other week on Thursday. Holidays always pay the day before. Then we bumped up the max to $300.00 to ensure that he will still be able to cash out the same amount like the way it was before. For reference, if he wanna more about how he can increase his max, please see the link below: https://***. If he has any further questions or needs help, feel free to contact our support team via chat or email.
So even after contacting Revdex.com originally and having Earnin reply. I reached out to support to have my max adjusted and they told me they would have a specialist get back to me. It has been two weeks and I haven't got any type of reply. I have reached back out to support via chat multiple times and I am told repeatedly that it has been escalated and a specialist will get back to me. This has now caused more overdraft fees which will not be reimbursed by Earnin. The phone number listed on here for Earnin's contact is not the right number. The number notated is ***.
We do apologize for the inconvenience this matter has caused for ***. The max dropped due to multiple failed restores on the account. We will increase the max back to $300.00. Please keep in mind it may drop on the next pay period. Max increase and decrease depend on many different factors. Please have the customer refer back to the link for the max increase.
This app allows for you to borrow money from it, and it will be debited from my bank account on Friday's that I get paid.
This app attempted to take money on a day that I did not get paid. I told them I didn't get paid on this date, but they still attempted to take out funds from my account, over drafting my bank account and leaving me with a largely negative balance. I spoke with an Earnin representative and he refunded me the amount I was over-drafted. Today I woke up with 50$ taken from my account from Earnin, today is Thursday which is a day I do NOT get paid, I did not consent to have money debited from my account but they did this anyway. After speaking with a representative named ***, as well as a supervisor ***, they told me that they will be taking another 50$ from my account tomorrow May 10th, totaling to an amount of 100$ when I only owed them 50$.
I am fine with paying the 50$ that was taken from my account today, but they are NOT to take another 50$
Upon reviewing the customer's account and previous sessions, it appears that our specialist thoroughly explained what happened with the debits. The debit in question was from a previous cash out that the customer requested to be rescheduled to a different date. However, the debit didn't go through successfully. The system then reschedules the debit again, and normally it retries the payment when the system detected enough balance to cover it. It was successfully posted last 5/9. Additionally, the other $50 was from her cash out last 5/3, that was taken on its scheduled payday, 5/10. She can always reach us anytime via live-chat in-app if there are any further questions or concerns.
borrowed money to prevent overdraft fee, app took too early causing more overdraft fees. blamed it on the banks
I borrowed $100 to cover daily expense until I got paid, the day before my paycheck I had $56 in my account 3 pending transactions totaling $20.01. when I woke up the next morning I had found that earnin took and cleared at 1AM resulting in a negative balance of 48.39, the an overdraft fee of $25 leaving my account balance at -73.39 the other three charges cleared around 3AM (again I had enough to cover these) leaving resulting in another 3 $25 overdraft fees (now $100 is overdraft fees) leaving my account balance at -$168.40 before I even got paid at 4AM. I chatted through the app and was told they would reverse the one from right after there charge but were not liable for the others and I should contact my bank because the "usually" will credit these. they advertise that there software will determine when I get paid and they will charge back AFTER my check is deposited. so in short I borrowed money to cover expenses and prevent overdraft fees, they charge back earning resulting in more overdraft fees then refuse to take responsibility.
they have already refunded one of the fees, i would like the other three fees refunded as well. it is not the banks or other vendors fault that you charged before my check is deposited.
We totally understand where the frustration is coming from, and after a thorough review of the previous chat sessions and account, we can confirm that the other overdraft fees mentioned we're incurred due to debits from a different merchant. We see that it was explained further by one of our specialists, who did provide the $25 refund for the early debit we caused. Additionally, we see that the pay schedule was also adjusted to make sure this issue won't happen again in the future. Rest assured that he can always reach us via live chat in-app if there are any further questions or concerns.
Funds debited a week early.
My withdrawal date is bi-weekly and has been since December 2018. My last pay date was May 3rd of 2019. Today May 10th a week later the money was withdrawn from my account without my knowledge. I have bills scheduled for today and now can't cover them. My next debit should have been May 17th. I contacted the chat (because apparently that is the only way you can talk to them) they apologized, accepted responsibility and changed my pay date but will not refund the funds they took today and reschedule the payments to withdrawal on the correct date. I was not notified of this change or that these funds were going to withdrawal. They stated that I can begin getting my 100 a day again today so they can take them out again next week. I can't wait 7 days to recoup the money that they shouldn't have taken. The bills that I have scheduled are now going to bounce. The reasoning behind the issue is they are saying well we show that you get paid weekly, that is not the case. My husband gets paid opposite weeks of me but this service was setup with my payroll information only and his payroll should not factor into the withdrawals at all. Nor should they just change debit dates automatically without even notifying customers. They were completely unhelpful and not even concerned at the fact that my mortgage payment will not clear now due to their error. They informed me that they can only refund if I have an overdraft, well now my bills will bounce I will accrue fees from my mortgage company and cell phone company not to mention overdraft charges for the bounced payments. I feel that this does have an adverse affect on me and my family. This should not happen.
I want the entire funds refunded now and rescheduled for the correct date.
We sincerely apologize for what happened, and we definitely want to make things better for our community. After carefully reviewing the customer's previous correspondence and account, it appears that the system automatically adjusted the pay schedule in error. The debits last 5/10 was already processed and we see that our support was able to identify this and already made the necessary correction to the pay schedule to make sure that this won't happen again in the future. She can always reach us via live chat in-app if there are any further questions or concerns.
THEY MADE AN ERROR ON 5/3 AND DRAFTED MY ACCOUNT FOR $300 WHICH WAS NOT SUPPOSED TO HAPPEN UNTIL 5/10. I PUT IN A DISPUTE WITH MY BANK AS WELL.
EARNIN MADE AN ERROR DRAFTING MY BANK ACCOUNT A WEEK EARLIER THAN THEY WERE SUPPOSED TO. THEY HAD COPY OF MY PAYSTUB WHICH VERIFIED LAST PAYDATE WAS 4/26. THEN THEY ASKED ME TO SEND SCREENSHOT OF CHARGES WHICH I DID. THEN THEY ASKED FOR SCREENSHOT FOR OVERDRAFT FEES. THEN THE NEXT DAY THEY WANTED DETAILS OF OVERDRAFT FEES. NOW MY CLAIM HAS BEEN IN VARIOUS DEPTS FOR PAST 4 DAYS. I AM SICK OF THE LIES AND NONSENSE AS I PROVED EXACTLY WHAT HAPPENED. THEY NEED TO BE REPORT PUBLICLY THAT THEY SCAM PEOPLE OUT OF THEIR MONEY AND DON'T RETURN IT.
I WANT ALL MY MONEY BACK AND RETURN OF OVERDRAFT FEES AS MY ACCOUNT IS AT NEGATIVE $368 AS OF TODAY. THEY SUPPOSEDLY HAVE NO PHONE NUMBER CUSTOMERS CAN CALL FOR SITUATIONS LIKE THIS. YOU CAN ONLY CHAT THRU THE APP
We would like to sincerely apologize if your account was debited early and for the trouble experienced. Upon careful review, We've seen that we have *** payments listed as your employer on the app and your payroll schedule was still set using the old one. Since we don't communicate directly with your employer, we have no way of knowing if the date of your direct deposit will change. Because of this, we'll automatically send out debits on your normal payday, unless we have advance notice of the change. Unfortunately, you've contacted us the same day of our debit date and it's no longer possible to reverse the debits since this was already posted by the bank.
With regards to the overdraft fee, We've issued a refund of $93.00 on your account. This is for the three $31 fees that you were charged. In the future, please provide two days of notice if ever there will be a change from your employer so that we can adjust the date for you. If you have further questions or issues you can always reach our support team in-app 24/7.
(The consumer indicated he/she DID NOT accept the response from the business.)
They had asked me to send current paystub which had new employer information as well as last paydate. Obviously we send our personal documents and they are not review at all by this company.
Upon further reviewing the customer's account and previous conversations, it appears that the paystub was indeed sent last April 29th. However, it wasn't clearly stated that the customer's employer already changed. The system reverted to set up the pay schedule based on the customer's paycheck from her previous employer, which is *** It was then corrected after the actual debit date, which happened last May 3rd. The overdraft fees were also refunded back last May 8th and 19th which should also post the same days it was processed. We sincerely apologize for the experience and rest assured that this issue won't happen again moving forward. She can always reach us thru live-chat via the app, our support team is available 24/7 if she still has any further concerns or inquiries.
I'm not showing my earnings on my account even though I have all my GPS on
05/06/19 my account didn't show my money earned even when it was
I just want my earnings to go in the right way and not be blamed for something I'm not doing wrong
Upon reviewing the customer's chat session and account, it appears that our support provided an explanation of how the Automagic Earnings feature works. It shows that there are gaps, which gives inconsistencies on how the data location was tracked on the date mentioned. These gaps can either be due to the data/WiFi stability, or if the customer frequently moves in and out of the work location. However, we can confirm that the customer was able to cash out last 5/11, and still have available earnings at the moment. He can always reach us back anytime in-app if there is any further concerns or questions, rest assured that we're always here to assist.
So the App worked fine since when I first started a few months ago, and it tracked by daily pay correctly. Now all of a sudden it is saying I make $16 or $20 after an eight hour shift when it has always been over $165, and nothing has changed. My location is on so I can be tracked, and they can see I've been at the same location I always work all day. If the App can't accurately get information the way it used to when nothing has changed, how am I supposed to know they will debit the proper amount if I borrow it? This makes me very uncomfortable if the App can't function properly.
Thanks for the feedback. As we've reviewed the account, It shows here that our system was able to track his worked hours. However, the reason why the earnings are too low because we're seeing that the work location changes frequently or sometimes the GPS is scattered. Unfortunately, Our Automagic Earnings feature currently only works for customers with a single fixed work location. If the work location changes or if the customers work offsite from their employer's location, it won't be able to add earnings correctly. Also, Please note that our hourly rate is lower than the official rate because we calculate the rate after taxes and deductions. If he still has any further questions or issues he always reaches our support team in-app 24/7
Check out more info on this from our Help Center here: https://help.earnin.com/hc/en-us/sections/XXXXXXXXX-Adding-your-Earnings.
Neither of your explanations make any sense. First of all I have my GPS turned on so you can see I am at work. I only have one place of work and remain there 8 to 9 hours a day. I do not leave! The address is in the APP and has been approved, and DOES NOT change. It's the only address I work at. I sell insurance in a call center. The center, nor my desk, do not move. Understand the hourly rate is lower, but 15.50 multiplied by 8 or 9 hours does not equal $22.OO. Do you have any idea howbthe system works? I have followed all the guidelines, and I always get this response, which does not apply.