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:07/18/2024

  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.

  On Friday July 5th, Earning charged me two separate times for $104.00. This was unprompted as I have not used their services recently. They neglected to refund me which prompted me to file a dispute. My wife has already attempted to unsubscribe from their services however, they still charged me as though nothing was done. This is unethical and bordering on criminal avtivity.

  

  Business Response

  Date: 07/25/2024

  Thanks for bringing this matter to our attention, *****. We understand that your account has been charged when you have not recently accessed our services. Weve reviewed your case and found out that the bank account you are trying to link is already associated with another community members account. The recent charges that were posted in your bank are repayments for the Transfer Outs created under that other community members account. Furthermore, we have escalated your concern to the relevant team and a team member has contacted you directly via email to assist in resolving your concerns.

• Initial Complaint

  Date:07/17/2024

  Type:Order 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.

  ar **************************** am writing to express my deep dissatisfaction regarding the current situation with my account. Despite having paid off the alleged $100 debt, I am inexplicably being denied access to your service. To clarify, I never actually used the $100 in question.Furthermore, I am no longer associated with ************ and can not provide documentation proving that I have repaid any owed amounts. It is highly frustrating and unfair that your company is preventing me from using the app due to an apparent oversight on your part.I kindly request an immediate resolution to this matter, as it is impacting my ability to fully utilize the service that I am entitled to access.

  

  Business Response

  Date: 07/25/2024

  Thanks for bringing this matter to our attention, ********. And we sincerely apologize for any inconvenience this experience has caused. Weve carefully reviewed your account and our investigation has confirmed that your repayment for the previous Transfer Out did not post successfully since it was returned by your bank. Considering youve recalled paying it, well need a copy of your bank statement from April to June 2021 to look into this further. Since your bank account is already closed, you can reach out to your bank for further assistance on getting a copy of your bank statement. Once the document is obtained, please feel free to reach out to us through our live chat support so we can assist you further on this and make adjustments in your account if necessary.

  Customer Answer

  Date: 07/26/2024

   
  Complaint: 22001965
  
  I am rejecting this response because:  am writing to express my frustration and dissatisfaction with the ongoing issues I have encountered. It is absolutely unacceptable that I am being instructed to contact a bank I haven't used since 2021 for documents, especially when it is clear that your company's processes are flawed.
  I have made multiple attempts to pay the $100 fee with my current bank, but your companys payment system is failing to process these transactions. The lack of proper support and communication has made this situation even worse, as it feels like I am paying double due to your inadequate customer service and malfunctioning systems.
  Additionally, the fact that no one at your company seems to speak English proficiently is adding to my frustration. This has only exacerbated the problem, making it nearly impossible to resolve this issue effectively.
  I urge you to address these concerns immediately and provide a resolution. I expect prompt and efficient assistance to correct this situation and ensure that I am not unfairly penalized due to your company's shortcomings.
  
  Sincerely,
  
  *****************************

  

  Business Response

  Date: 08/02/2024

  Thanks for your prompt response, ********. We completely understand your frustration. After thorough review, it appears that the transfer was sent to your previous checking account linked. Since we need to clarify everything through direct communication, we have escalated your concern to the relevant team and a team member has contacted you directly via email to assist in resolving your concerns. 
  

• Initial Complaint

  Date:07/15/2024

  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.

  I repayed my loan early with earnin on the 10th so my account wouldn't be charged again. The they say there charging my bank another 208 dollars. Because of it being payed early which makes no sense. There over charging me and it's way more then they should be

  

  Business Response

  Date: 07/23/2024

  Thanks for bringing this matter to our attention, *******. We're very sorry to hear about your experience and the inconvenience it has caused you. After thorough review, there are a total of 5 debits that were scheduled on 07/12/2024 but you have opted for early payment for only 3 debits leaving the 2 debits to retain and be debited on 07/12/2024. We strongly believe that we have debited your account correctly. Should you need further assistance, please do not hesitate to reach back to our chat support team.

• Initial Complaint

  Date:07/15/2024

  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.

  EarnIn has been playing with my funds for at least two weeks now and its causing my bank all types of problems. I borrowed $50 from the EarnIn app I paid EarnIn back on the 27th of June and they have been taking $50 repeatedly from my account and then returning and then taking another $50 to where I cant keep up if they have taken more than what they are owed. On top of that I have removed my bank account from their app yet they still have access this is outrageous

  

  Business Response

  Date: 07/23/2024

  Thanks for bringing this matter to our attention, *****. We sincerely apologize for any inconvenience this has caused. We understand that you were having issues with the debits that were taken out from your account. After careful review and thorough investigation, we have concluded that we have debited your account correctly. The debit in your account on 6/27 was returned by your bank. Repayment was scheduled on 7/3 and it was posted successfully. On 07/08, you were able to transfer out again and it was scheduled to be paid back on 7/11.

  Should you need further assistance, please do not hesitate to reach back to our chat support team.
  

  
  

• Initial Complaint

  Date:07/08/2024

  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.

  The company lends out money based on income and they are supposed to come to an agreement with me when the money would be paid back. I was scheduled to pay 07/08/2024 but for the second time now they have taken funds our of my account multiple days prior to the agreed date. They took the money on 07/05/2024. I have been talking to their support team for 10 plus hours and gotten absolutely no where with them and they refusing to honor the agreement

  

  Business Response

  Date: 07/16/2024

  Thanks for bringing this matter to our attention, *****. We're very sorry to hear about your experience and the inconvenience it has caused you. We have made a careful review and it appears that the app had the debit scheduled for 07/01/2024 and 07/08/204 since it's your next payday. With the initial debit date, the app doesn't alter the debit date from what we have your payroll setup as. We actually have seen this issue occur with some banks. In your case, the debit date was 07/08/2024 on our end but since that day happens to be after the weekend, we sent the debit request before the weekend so they'll have time to process it. However, some banks process the transactions on the day we sent the debit request and not on the date we requested the debit to be transacted.
  
  We still give your bank the set date and they're supposed to stick to that date. For whatever reason, we have seen where certain banks will begin processing our debits before the set date we give them. I believe it's definitely worth reaching out to your bank to see if they can prevent this from happening again in the future, or reimburse you for any fees received.

  Should you require further assistance, please do not hesitate to reach out back to our chat support team.
  

  
  

• Initial Complaint

  Date:07/05/2024

  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.

  Earnin pulled my $93.99 payment a day early (7/4) when it was due on 7/5. This payment cause an overdraft in my account since I get paid on Fridays and I do not get paid early even if its a holiday. I sent an e-mail to support expressing my frustration as they just overdraft my account. I sent them 2 screenshots. One of the amount my account is overdraft and the other showing that they pulled the payment. They have continued to tell me that they are investigating this matter. I would like for EarnIn to pay the $98 my account is overdraft as they have neglected to inform me that they were going to pull the payment before the due date. Their customer support team has been less than helpful at this point. After this incident, I will no longer be using the earnin app.

  

  Business Response

  Date: 07/15/2024

  Thanks for bringing this matter to our attention, ****. We sincerely apologize for the inconvenience this has caused. The app schedules our debits on your payday based on your payroll setup. We send the debit transactions to your bank before the actual debit date for processing, but we also give them the set date, which they're supposed to follow. We can see that the previous debit in your account was seen pending on 7/4 but was not scheduled to post until 7/5. To avoid this from happening again in the future, weve made an adjustment with your pay schedule for holiday behavior. If you received fees from your bank due to our debit, please reach out back to our chat support team for further assistance.

• Initial Complaint

  Date:07/02/2024

  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.

  Taking money and not repaying on time with auto pay and want me to pay late fees also no help with customer care

  

  Business Response

  Date: 07/11/2024

  Thanks for bringing this matter to our attention, *******. We understand that you were having issues with setting up your Deposit Account. After careful review and thorough investigation, we have confirmed that your Deposit Account was not fully activated at the time you first reached out to us.  As per our guidelines, we require you to route your paycheck to the Deposit Account and it will take 2-3 pay periods to process and fully activate the Deposit Account. 
  
  You may review these links for out Deposit Account guidelines in case youd like to proceed in the future:

  ***************************************************************************************************************
  *********************************************************************************************************************
  
  Should you need further assistance, please do not hesitate to reach back to our chat support team.
  

  
  

• Initial Complaint

  Date:07/01/2024

  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.

  Dark patterns and refusing to close my account after a data breach and the fact that I'm not able to use their service. I went to the website to close my account but the website said I had to install the app. I installed the app to close my account and the app said I had to reach out to customer service. I reached out to customer service and they told me to use the app. When I told them I tried they flat out ignored me and spammed me with disclaimers about the data breach. I requested six times to a rep to close my account and he just ignored me and stopped responding.

  

  Business Response

  Date: 07/09/2024

  Thanks for bringing this to our attention, ******. We sincerely apologize for the inconvenience you've experienced. This is absolutely not the kind of service we want you to encounter when using our service. EarnIn is aware of a cybersecurity incident that breached the systems of our banking partner, *********** & Trust and exposed their records. Some of your personal information may have been exposed. For ongoing updates on the situation please visit *********** & Trusts website: getevolved.com/about/news/cybersecurity-incident. 
  

  There was no breach of EarnIns systems and your EarnIn account credentials were not leaked. Passwords, and, if you hold an EarnIn Card, card numbers were not compromised. Protecting the security and privacy of our customers' data is of top priority. As always, we continue to closely monitor account activity.

  Weve reviewed your account and confirmed that it has been successfully closed as requested. Should you require further assistance, please do not hesitate to reach out back to our chat support team. 
  

  
  

  Customer Answer

  Date: 07/09/2024

   
  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:06/26/2024

  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.

  I was charged on the May 17th for three different amounts. When I logged in to the earnin app to see why I was charged they had stated that my balances were never paid but I spoke to chase bank and the representative verified that they were paid to them. I got verification from my bank that it was paid to them. I contacted them through chat because that is the only way you can speak to them and all the representative kept telling me was that it was not paid and theyre gonna charge me again for those amounts and I advised them that. That is not right because then they would be charging be double for a service I never received. But they proceeded to tell me that they were going to charge me that amount.

  

  Business Response

  Date: 07/04/2024

  Thanks for bringing this matter to our attention, *******. This is definitely not the kind of experience we want you to have with the app. We understand that youre having issues with the debits that were taken out of your account. After careful review, it appears that there was a failed debit on 05/17/2024. When this happens, the app automatically reschedules the debits, usually on a future payday. Furthermore, weve escalated this concern to the relevant team, and a team member has contacted you directly via email to assist you further.

• Initial Complaint

  Date:06/24/2024

  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.

  These are the dates that i started the process of getting Bitcoin from Earninvesty. 05/10/204-05/22/2024. I have been given the run around every day just to receive the return that i invested with these people. And the wonderful broker that help me was, *************************. And he has lied every day doing this process. Its new fees everyday, i know nothing is free, but when i finish paying these fees it will equal out to what i invested. This is crazy. Just wanted to know all the rules up front. This is B.S.

  

  Business Response

  Date: 06/26/2024

  Thank you for sharing your experience. EarnIn is not affiliated with Earninvesty as they are a different entity. EarnIn is an application designed to provide you with timely access to the pay youve earned, allowing you to receive compensation for the hours worked without the need to wait for payday. Your case has been inadvertently directed to EarnIn and should be appropriately rerouted to Earninvesty for a resolution.