Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/26/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  For the last several months every single time I need to ask a question or get clarification on something the chat (which is the only way to get ahold of anyone on the app) is nonresponsive. It either takes over an hour to get someone or you get someone but they will not answer for almost just as long and they do not read your chat. I am having an issue that I can see many people are having this issue where because of a couple of holidays back to back now they want to change my payday to Wednesday which is not when I get paid but since it is a holiday I got paid early. Now they want to permanently change my payday to this day. I don't care if you have a automated system that is calculating peoples paydays, you are messing with peoples money that you know very well a main reason people use this app is because they are struggling. This needs to be fixed and I want my payday to reflect the correct day. I have already been thinking about removing a deleting my account with you but now this has solidified my feelings towards doing so after the next payday. This company is unable to handle what it takes to have this big of influx of customers and these are peoples money you are playing with during a difficult time for most people financially. I want someone to get my account fixed ASAP and then after payday I will no longer be using your services.

  

  Business Response

  Date: 07/01/2025

  Thank you for taking the time to share your concerns. We're truly sorry for the frustration you've experienced, especially during a time when dependable support is so important. We understand how critical it is to have timely and accurate information about your pay schedule, and we appreciate the opportunity to clarify.
  We can confirm that your concern was recently addressed by a supervisor through our in-app live chat, and we hope that the information provided helped clear things up. To reiterate, your upcoming debits are scheduled based on the payroll information currently set up in the app. While early deposits can sometimes appear on different days due to holidays, your regular payday has not been permanently changed and is not set to post on Wednesday moving forward.
  We understand how delays or confusion—especially around pay timing—can be stressful, and we sincerely apologize for any inconvenience caused. Please know that we’re continuously working to improve both our support experience and how the app adapts to unique pay schedules, particularly during holiday periods.
  We understand that you've expressed interest in closing your EarnIn account, and while we’re truly sorry to hear that you’re considering this, we sincerely hope you’ll reconsider. Your experience matters deeply to us, and we remain committed to supporting you in any way we can. If there’s anything we can do to improve your experience or if you decide to give EarnIn another try in the future, we’d be more than happy to welcome you back and assist you every step of the way.
  If there are any additional concerns, please don’t hesitate to reach out. We value your feedback and truly hope to restore your confidence in our service.
  
  

  Customer Answer

  Date: 07/01/2025

   
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 23524070, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  Beatriz Salor

• Initial Complaint

  Date:06/24/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I used the EarnIn app to access early wages and made multiple repayments using my **************** account ending in *0515. On June 13, 2024, two scheduled repayments of $155.99 each ($311.98 total) were attempted but did not post successfully. I then placed a stop payment with my bank as I no longer wished to continue using EarnIn due to concerns about overcharging and lack of transparency.Despite this, on June 17, EarnIn issued two additional unauthorized repayment attempts of $150 each and applied a $350 earnings adjustment to my account, which now locks me out of future use of their services. The app lists my account on hold and requests I pay again just to restore access. I have reached out to their support team and only received generic responses instead of a proper ************* concern is this:Why was I charged again if the previous repayment failed and was already addressed with my bank?Why was a $350 deduction listed as an earnings adjustment with no clear explanation?Why is there no escalation or resolution path after EarnIn withdraws large amounts and leaves users locked out?I am requesting a full reversal or review of the $350 earnings adjustment and removal of the duplicate charges and account lock. The apps actions feel deceptive and are damaging to users financially, especially when communication is minimal and support unhelpful.

  

  Business Response

  Date: 06/27/2025

  Thank you for reaching out and sharing your experience with us we truly understand how upsetting and frustrating this situation must be, and were very sorry for the confusion and inconvenience it has caused. Your concerns are absolutely valid, and we appreciate the opportunity to clarify and help.
  We want to acknowledge your early repayment made on June 11 and clarify why additional debits occurred. Using the early repayment feature does not automatically cancel or override scheduled debits that fall within our processing window. The app follows a cutoff time to process upcoming debits, and since your transfers were made prior to that cutoff, your account was still debited on June 13 per your official pay schedule Pays every other week on Friday. Weekends pay before. Holidays and Black Friday pay before. This is part of our standard processing to ensure we debit on time and avoid delays, even when an early payment is made.
  Regarding the $350 earnings adjustment and subsequent account hold when payments are returned or stopped by your bank, the app may apply an internal earnings adjustment to match the pending debit. We understand that this process may feel unclear, and we sincerely apologize for the lack of transparency and the frustration caused.
  
  We hear you, and we want to make this right. For a more detailed review and further assistance with your case, please contact us at ****************************** so our dedicated team can work with you directly to resolve this. Thank you again for your patience and for bringing this to our attention were here to help.
  
  

• Initial Complaint

  Date:06/23/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They took their payment 2 different times and continued to say that they never got them and it never posted when it did DAYS prior. No matter how much proof I sent they refused to fix it. So now I just want my full refund, they're a scam, they don't care if you don't pay attention they will rob you blind.

  

  Business Response

  Date: 06/27/2025

  Thank you for bringing this to our attention. We sincerely apologize for any inconvenience this may have caused.
  
  While we’ve noted that you’ve changed banks multiple times, we were unable to locate a posted debit of $54.99 in our records. To ensure you receive the support you need, we’ve requested that a specialist reach out to you directly for further assistance.
  
  We truly appreciate your time and patience, and we’re committed to resolving this matter for you as quickly as possible.
  
  

  Customer Answer

  Date: 06/27/2025

   
  
  Complaint: 23495800
  
  
  
  I am rejecting this response because:
  
  
  
  Sincerely,
  
  
  
  Sarah Aungst

• Initial Complaint

  Date:06/23/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My scheduled payment for the 20th went out the night before leaving me with a negative $231 balance. I gave them screenshots and spoke to a *** who basically stated it was my banks fault. My bank is closed today due the holiday so I can't speak with anyone.

  

  Business Response

  Date: 06/24/2025

  Hi, Joy.
  
  We’re truly sorry for the trouble you’re experiencing with the debits—we completely understand how frustrating it can be when funds are held early and impact your balance.
  
  
  To give a bit of context, we initiate debit requests a few days ahead of payday to give your bank a heads-up about the upcoming deduction. While we schedule these debits to align with your expected deposit date, some banks—based on their own policies—may process them earlier than intended, especially around weekends or holidays.
  We understand how frustrating this can be, especially if it results in unexpected fees. It may be helpful to reach out to your bank directly to ask if they can prevent early processing in the future or possibly reimburse any fees incurred.
  If you are charged any overdraft fees due to our debits, please don’t hesitate to reach out. We’d be more than happy to investigate and see what we can do to make things right.
  
  

• Initial Complaint

  Date:06/23/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I switched my employer direct deposit to EarnIn. The first paycheck they held, but eventually released after I contacted them. Now I get paid today, and they are holding the ******** again saying there's a refusal to accept it, even though my employer has already sent them the money. Now they won't release the funds and I continue to get a canned response about how theyre escalating the issue and are awaiting a response. Thing is, I can't afford to wait. I live paycheck to paycheck and have bills lined up that need paying. Give me my money back!

  

  Business Response

  Date: 06/25/2025

  We sincerely apologize for the inconvenience and understand how stressful and frustrating this situation must be for you, Alexander. We know how important it is to access your paycheck on time, especially when you’re managing bills and living paycheck to paycheck.
  Upon further review, we confirmed that the direct deposit was returned to your employer due to a discrepancy in processing. Specifically, the paycheck was issued under your spouse’s name, which you confirmed in our previous conversation. For security reasons, EarnIn can only accept direct deposits made out to the account holder, and we’re unable to accept third-party deposits.
  To prevent this from happening again, please ensure that only your direct deposits are routed to your EarnIn Deposit Account.
  In this case, the returned funds typically take 3–5 business days to reach your employer. We recommend reaching out to them to confirm receipt and discuss how they will reissue the funds to you.
  We understand how difficult this must be, and we’re here to support you through the process.
  
  

• Initial Complaint

  Date:06/23/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They took borrowed money out of my account a day before I got paid and now my account is negative $171. I tried the customer service phone number to no avail all you can do is leave a voicemail. Chat customer support left me on read forever saying they were transferring me and never responded. I'm a single mother and now I have no money.

  

  Business Response

  Date: 06/24/2025

  Thank you for reaching out and sharing your concerns, Sarah. We're truly sorry for the trouble you’ve experienced and the delay while waiting for a response from our supervisor. We completely understand how upsetting it must have been to see your debits taken on a day you weren’t expecting—especially when it affects your hard-earned money and leads to overdraft fees.
  As checked, our team has successfully updated your pay schedule to Pays every other week on Friday. Weekends pay before. Holidays pay before so you'll be correctly debited moving forward. If you were charged any fees because of these early debits, please send us screenshots of those charges to [email protected]. We’ll be more than happy to look into it further and assist with reimbursement. 
  We’re committed to making this right and truly appreciate your patience as we work through this. Please don’t hesitate to reply with any additional questions—we’re here to help.
  
  

• Initial Complaint

  Date:06/16/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  6/12 my pay period max went from $700 to $100! $700 was deducted from my pay and then i was given a pay period max of only $100 putting me into a very harsh financial situation when half of my pay check was taken. I have been a long time customer and this is very drastic and shocking! Per their website the max should only ever decrease by $50 to $100 not $600! How am I going to feed my kids?! I have been in a vicious cycle of borrowing and paying back earnin each pay period but this is not ok you can not take half someones pay check and not allow them to borrow again when they have used the service for a long time and always pay the balance! My reported earnings are also way off! Earnin shows I earned only $100 I am with the same employer I have always had and by bi-weekly pay is over $1800! I reached out to customer service chat with screen shots of my direct deposit and the multiple debits from earnin i was told to hold on well my chat was looked into and after 4 hours no one has ever returned! This is very unprofessional and in the mean time as a loyal customer i am saddend to be treated so poorly and now very concerned how i will keep my lights on and feed my kids as i was essentially tricked by the company!

  

  Business Response

  Date: 06/23/2025

  Thank you for taking the time to share your experience with us Steph, and we’re truly sorry for the delayed response. We understand how frustrating and stressful this situation must have been—especially when it impacts your ability to support your family. Please know that your concerns have been taken seriously.
  We’ve just confirmed that your Pay Period Max has already been reinstated to $750 by one of our managers on June 15, 2025, and your account is now all set. To provide further clarity, when a debit fails, the Pay Period Max does not decrease by $50 or $100 from your previous limit. Instead, the app may automatically adjust your total Pay Period Max down to $100 or even $50 in some cases. Please note that your Pay Period Max is evaluated each pay period and may increase, decrease, or remain the same based on several factors. While a failed debit can impact your Max, other reasons—such as having a negative bank balance—can also significantly affect the amount you're eligible to access. We understand this may feel sudden, particularly for long-time members, but it is part of the app’s built-in safety measures to help reduce the risk of future failed transactions. 
  Additionally, we acknowledge your concern regarding the reported earnings. If the earnings reflected in the app appear inaccurate, it’s likely that the app is still in the process of accumulating your earnings for the current pay period. Please be assured that you’ll be able to access your available earnings up to your Pay Period Max once fully processed. We appreciate you taking the time to provide screenshots of your direct deposit, and we sincerely apologize for the delay in reviewing them.
  We appreciate your continued support as a long-time EarnIn member and are here to make sure you receive the help and respect you deserve. Please don’t hesitate to reach out again if you need further assistance.
  
  

• Initial Complaint

  Date:06/11/2025

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had been using the app EarnIn for about a year to get by because I am living paycheck to paycheck. I found out yesterday that they changed my pay schedule to a day early and as a result, I had a negative balance from the overdraft as well as $95 in overdraft fees. I attempted to work with support to get it resolved and the only thing they would offer me is the $667 in credit that they drafted that they said, I would still have to pay back at my next payday. Not only did that money not enter into my account, but that also means that I was charged $95 in overdraft fees of my own money. They are unwilling to refund me that money and have been largely unhelpful. I am hoping that this organization can help.

  

  Business Response

  Date: 06/12/2025

  Thank you for reaching out and sharing your experience, *****. Were truly sorry for the stress and frustration this situation has caused. We understand how challenging it can be to live paycheck to paycheck, and we sincerely apologize that our debits posted ahead of your payday, resulting in a negative balance and overdraft fees.
  To clarify, the credit provided by our supervisor matched the total amount of the debits that posted early, and those debits have been rescheduled to align with your next payday. Additionally, at the time you initially contacted us, your bank had not yet applied any overdraft fees, which limited the support we could offer in that moment.
  If overdraft fees have since been charged, please dont hesitate to reach out to us againwed be more than happy to take a closer look and work toward a resolution.
  We understand how frustrating this has been, and we truly appreciate your patience and understanding.
  
  

  Customer Answer

  Date: 06/20/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** *****

• Initial Complaint

  Date:06/05/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The company is used to get payday loans. You tell them the hours you work and how much you get paid, and they lend you the money to pay back next check. However, they have calculated my earnings incorrectly. I make $25 an hour 40 hours a week. For the past 3 pay periods on payday once earnings are ***aid, I would request in their help chat to have my earnings updated to reflect correctly. Per their FAQs, we are able to request to have our allotted approval amount to be withdrawn at one time vs having to go in daily to withdrawal. This was done 2 pay periods where their customer *** updated my hours and I was able to withdrawal my earnings all at once vs daily. Not once in their conversations with me did they say it was a courtesy. Whenever you speak to an agent for assistance, they are consistently providing misinformation each time. I have provided screenshots to their ***s where they updated my hours however each time you get a different story or explanation from someone. This is very frustrating and misleading for their consumers. Not once did any of their ***s state this was a courtesy and I should not be penalized for their mistakes or lack of training. If your FAQ states you are able to withdraw your allotted earnings approval at once why is that not allowed. Why must we speak to so many customer service ***s with no assistance. I have tried numerous times to update my bank information manually and they refuse. I do not understand why multiople times different ***s updated my earnings with no mention as a courtesy and you get another *** and then its a differnet answer. This is hard for consumers to know how the program works when your non speaking english ***s do not know what they are doing. You are penalizing your consumers with the lack of information, knowledge and misleading information

  

  Business Response

  Date: 06/11/2025

  Thank you for taking the time to share your feedback. We're truly sorry for the confusion, frustration, and inconvenience this experience has caused. We value your trust and want to help clarify the situation while ensuring you feel fully supported.
  We understand your concerns about how your earnings were calculated and how previous support interactions may have led to confusion. Our team has reviewed your account to provide clarity and ensure a consistent experience moving forward.
  Based on our review, your earnings were automatically calculated using your recent pay periods. The app determines your available earnings by looking at the median of your last few pay periods, which is why the amount you're seeing was added automatically. In earlier instances, our team made manual adjustments that temporarily allowed for a higher transfer limit. We sincerely apologize if this caused any misunderstanding. Your feedback is valuable and will help us improve our support process.
  To help ensure your earnings are calculated accurately moving forward, please make sure the following are in place:
  Your work email is verified and active
  GPS earnings detection is enabled while at your workplace
  Once the app detects a recent direct deposit and/or GPS activity within your registered work address, it will automatically update your earnings.
  We know how important it is to have a reliable and transparent experience, and we're committed to doing better. If you have any questions or need help with verifying your GPS or work email, please dont hesitate to reach out. We're here to help and happy to guide you through it.
  
  

• Initial Complaint

  Date:06/04/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This place is constantly getting my paydate wrong resulting in overdraft fees on my account. Twice theyve never sent transfers to my account and they still owe me ******. Money was never sent to my account. There is no telephone number for contact, they make you wait in a chat for close to an hour which in my opinion is a deterrent so they dont have to help with anything. Theyve also sent me someone elses information. So while theyre telling me to hold on they are answering other customers. When they finally do get back to you, they tell you to re enter dumb information like debit card, bank account, etc. THEN tell me I need to wait another day and contact them back

  

  Business Response

  Date: 06/09/2025

  Thank you for reaching out and sharing your concerns. We're truly sorry for the trouble youve experiencedespecially with the incorrect pay dates, missing transfers, and long wait times. Thats definitely not the experience we want you to have, and we understand how frustrating and stressful this must be.
  At the moment, phone support is unavailable. This is because many issues require screenshots or documentation to resolve, and using email or chat helps us keep all communication and records in one place. That way, we can better track the issue if it needs to be escalated or revisited.
  Weve reviewed your case and currently have your pay schedule listed as: every other Friday, with pay sent a day earlier if it falls on a holiday. If this doesnt match your actual schedule, please let us know by emailing ****************************** so we can update it for you.
  Regarding the missing Transfers, we can confirm that both were successfully sent to your bank. We completely understand how important it is to receive your funds on time, and were very sorry that you havent received them yet.
  Here are the confirmation codes for the two Transfers:
  6ff142f1-03dc-4d74-acc2-32bdb3676d17
  E40c2280-9152-422e-8d32-54c6a048b5f8
  We strongly recommend contacting your bank with these codes, as they may be able to locate the transactions or offer more insight. Also, once the debits for the Lightning Speed fees post to your account, please let us know. Well be happy to review and address those charges accordingly.
  Were committed to making things right and are here to support you. If you have any questions or need help explaining things to your bank, just reply to this messagewell be with you every step of the way.