Reviews

Review Details

• Review fromDiamond M

  Date: 10/20/2023

  1 star

  Diamond M

  Date: 10/20/2023

  I had an issue with them switching my pay dates to days that I dont even get paid on. They going to tell my the app set your pay days to the 4th and 20th of every month. How can they just switch your information. So now my account is overdrawn because they took money out on a day that the money was not there because it was my pay day. They told me there was no way for me to get my money back. Hopefully my bank will listen to my dispute!
  

  EarnIn

  Date: 11/20/2023

  Thank you for bringing your concerns to our attention, and we sincerely apologize for the inconvenience you've faced. We understand the frustration caused by the unexpected adjustment to your pay schedule, and we appreciate your patience as we address this issue. Upon reviewing your case, it appears that our ******************* have made the necessary adjustments to prevent a recurrence of this situation. We acknowledge that the app sent a debit request on 10/20/23 based on the previous pay schedule from your old employer, and we understand that you changed your employer during this period.
  
  We would like to clarify that, unfortunately, we do not have direct contact with your new employer to automatically update your pay setup. We encourage our community members to inform us of such changes through chat so that we can manually update your account accordingly, ensuring a smooth transition to the new pay schedule.
  
  Moreover, our request to debit your account on the specified date has been reversed due to insufficient funds which is why no refund will be made for the failed debit transaction. Nonetheless, the overdraft charge was refunded as it was caused by our debit transaction. This should be visible in your account on 10/25/23. 
  
  Your feedback is valuable to us, and we appreciate your understanding during this process. We've noticed that your account has been closed, but if you decide to create a new account and need assistance, please don't hesitate to reach out to our chat support team. We are here to help you in any way we can.
  
  Once again, we apologize for any inconvenience you've experienced, and we thank you for your patience and understanding.
  
  

• Review fromMarcella J

  Date: 10/20/2023

  1 star

  Marcella J

  Date: 10/20/2023

  I should have read these reviews before signing up. They prey on the vulnerable who are going through hard **************** They want you to repay the money on the exact day your check comes in every month. Ok thats perfectly fine. But what they dont tell you is if it lands on a *aturday, they will take it out a day early, knowing full well you dont have any money in that account yet! Is that how yall make your money!? Knowing full well that taking it out a day early and knowing they wont have the funds yet?! How shady and scammy. Thank god my bank doesnt charge overdraft fees! But guess what!? *ince you paid late, you dont get your usual amount as always. They lower it significantly. Chat is a joke. They always give me wrong information. Whoever Ashly * is, is rude as heck. And gave me wrong information. The other guy I spoke to gave me a wrong total amount to pay. (Was way higher than it should) Its just a nightmare now!!
  

  EarnIn

  Date: 11/16/2023

  We appreciate you taking the time to share your experience, and we apologize for any difficulties you may have experienced with our service. Your feedback is valuable to us, and we want to assure you that we take it seriously. We understand the importance of transparent communication and accurate information, and its clear that we fell short in this instance.
  
  We would also like to apologize for any inconvenience caused by this discrepancy in the withdrawal date, and we understand how this situation can be particularly stressful when dealing with tight finances. We are reviewing our procedures to ensure that such issues are addressed promptly and that our community members are not inconvenienced.
  
  Regarding the interaction with our community advocate, I apologize for any frustration it may have caused. We are investigating the specific instances you mentioned, especially the conduct of that particular specialist, and will take appropriate action to address the situation and prevent similar occurrences in the future.
  
  With that being said, we thoroughly reviewed your case, and we observed that you've already engaged with our specialized team. They have provided clarification on the issue you faced and promptly implemented the necessary adjustments to prevent a recurrence. Additionally, we've restored your pay period maximum to its original state.
  
  Should you ever need assistance with your account in the future, please feel free to reach out to our chat support team. Your time and understanding are greatly appreciated.
  
  Wishing you a wonderful day ahead!
  
  

• Review fromKelsey L

  Date: 10/09/2023

  1 star

  Kelsey L

  Date: 10/09/2023

  I keep having issues with this app and now they are having connection issues with my back and not giving a timeline or estimate telling me to open a new bank account. I hate it that I cant access my MONEY. I hope this does take as long a month to fix as that rocked me seeing that on reddit.
  

  EarnIn

  Date: 10/19/2023

  Thank you for bringing this matter to our attention, ******. We apologize for any inconvenience this may have caused you. After reviewing your case, we found that the financial institution you linked with our app had a known issue at that time. We were informed that there was no exact timeframe for resolving the issue. However, our engineers were quick to find a solution and the next day, your bank connection was restored. 
  
  We are glad that you were able to enjoy our app service again. If you need any further assistance in the future, please feel free to reach out to us through our live chat support. Thank you for choosing our app and we hope you have a wonderful day!
  
  

• Review fromAlaina B

  Date: 10/05/2023

  1 star

  Alaina B

  Date: 10/05/2023

  **************** is a joke. Every other week there seems to be an issue with my playdates. Ive told them MULTIPLE times I get paid every other Friday. Every single time Im asked to provide my paystub for verification. Why do I need to keep providing different paystub when you have multiple ALL WITH FRIDAY DATES. I even told them my bank has **up to 2 days early pay but that is NOT GUARANTEED** and its not, as I went 2 months without getting my direct pay a day early. Its like theyre hoping the funds arent there on Thursday so they can charge overdraft fees. It takes more than 5 minutes to get a response per message via chat so yeah their chat takes well over an hour for something that should take less than 10 minutes. Or lets speak about the fact that customer service doesnt even answer questions. They talk in circles until you start acting like a b***h. I was told today, 10/05/23 by a chat associate (will give names once they reach out) that they EarnIn changed it back to Thursdays?????? Why does someone have control over changing my account because they felt like it? They didnt authorize it by me so that shows they will make account changes on their own whims to meet their needs. Why is this an issue every other week. Why does no one care to resolve and why is this company lacking in common sense ??????? well I will be posting negative reviews everywhere until someone fixes this issue!
  

  EarnIn

  Date: 10/23/2023

  Thank you, ******, for bringing this matter to our attention. We apologize for any inconvenience this may have caused you. We have conducted a thorough check on your account and found that your direct deposits were posted every other week on Thursdays. We understand that our debits may cause uncertainty, especially if they are posted before your direct deposit. To prevent further confusion, we have updated your pay schedule to "Pays every other week on Friday. Holidays always pay the day before." We assure you that this new schedule will be followed diligently going forward. 
  
  We have also added a note to your account to alert our specialists not to update the setup. However, if our debits cause any inconvenience or post ahead of your paycheck in the future, please don't hesitate to take a screenshot and contact our support team. We will be glad to assist you further. Thank you for your patience and understanding in this matter. We hope you have a wonderful day.
  
  

• Review fromDena H

  Date: 10/05/2023

  1 star

  Dena H

  Date: 10/05/2023

  Their customer support is a bunch of frauds!! They will take money from your account 7 days before its due and than do NOTHING to fix it!! You basically get a to bad, so sad response and they do not take accountability when THEY s**** up!!!! Stay away!!
  

  EarnIn

  Date: 10/19/2023

  Thank you for bringing this matter to our attention. We apologize for any inconvenience caused to you. Upon reviewing your case, we found that one of our specialists has already contacted you to explain the situation. It appears that you clicked on the "Pay Early" button on the app without realizing it, resulting in an early deduction from your checking account. However, we immediately provided a resolution by crediting the amount deducted from your account and scheduling a manual debit for 10/12/23. We hope this clears up any confusion and please let us know if you have any further concerns.

• Review fromMarnell C

  Date: 10/04/2023

  1 star

  Marnell C

  Date: 10/04/2023

  This is the worst app I have been at this issue since the 10th of September they have all ready got my repayment back and now I can't get an advance again they been giving me the run around I have talk to 30 agents and everybody is saying the same thing they say my email needs to be varied but at the bottom of the page it says it's verified thin they say. The *** I reset did the permission all that 10 times and have been back and forth to my job since the 19th the adresss hasn't changed this is ridicules like thin they say time sheets I can't do time sheets because the way my job set up I can't bring phones on floor so I can't get my time sheet off my work computer told them that as well thin had another agent say I was good to go but apparently not if I'm at this dame thing for a month u can take my money out my account quick but give me f***** he'll ti ****** back come on now
  

  EarnIn

  Date: 10/24/2023

  Thank you for bringing this matter to our attention, *******. We apologize for any inconvenience this has caused you. We have reviewed your case, and we found that your account was one of the affected accounts that were supposed to have earnings. At that time, we escalated the issue to our engineering team, and they were working to resolve the problem. Our specialists provided you with another option to add earnings, but unfortunately, it was not possible on your end. However, your work email address was verified, and you were able to request a transfer out.
  
  If you need further assistance, please feel free to contact our chat support at any time. Have a great day!
  
  

• Review fromSarah R

  Date: 10/02/2023

  1 star

  Sarah R

  Date: 10/02/2023

  Earnin is the worst!! Do not waste your time with this app. I have had this app since 2018, and it used to work really well for me. I managed to get my pay period *** up to 650. Stopped using it for a bit then returned remembering how helpful it used to be. I get paid semimonthly, and I had to have multiple "conversations" with the "chat team" ( I use quotes because they are such a joke, I'm so reluctant to even use those terms), and they kept changing my payment dates, resulting in over draft fees. Took me a good while before they finally got it right. But, then my pay period *** got reduced significantly, and they tried to say it was because I needed to be making my payments on time, with sufficient funds. So, I was penalized even though it was not my fault and I tried to tell them multiple times that I get paid semi-monthly, so the days that they drafted my account, obviously there was insufficient funds because I was not paid on that day. So, penalty for their mistake. Even after they finally got it right, and I had borrowed and paid on time for the past couple of paychecks, my pay period *** has reduced 50 bucks every paycheck, for no apparent reason. I have all the screenshots of their unwillingness to help me, all the conflicting information I received from multiple agents. One agent told me they could not do anything about the pay period ***, that it was determined by the app. Then when I told them I had screenshots of all the multiple conversations I had with others to change my payday, and that the **** were not my fault since they could not do their job right, all of a sudden after seeing those screenshots, the agent was somehow miraculously able to increase my pay period ***, after she told me multiple times she couldn't. Support is just awful, they lie to you, give you misinformation, and this has been more of hassle to deal with than a help. Earnin is not what it used to be, they have gone really down hill, and don't give a c*** about their clients.
  

  EarnIn

  Date: 10/12/2023

  Thank you for bringing this to our attention, *****. We sincerely apologize for all the inconvenience this has caused you. Your current pay schedule is saved as "Pays twice a month on the 15th and the 30th. Holidays always pay the day before." This will be followed, going forward. We also added a note to your account to alert specialists not to update the setup. 
  
  Additionally, we adjusted your pay period *** back to $600 since it was decreased due to the previous change on your pay schedule. If our debits caused your account to incur an overdraft fee, we recommend sending us a screenshot of your bank transactions through our chat support so we can review and make adjustments if need be. Also, EarnIn re-evaluates your Pay Period *** every pay period based on a number of financial health factors. It can range from $50 to $750 and can fluctuate over time.
  
  If you have any further questions or concerns, feel free to contact our support team through chat. Have a great day.
  
  

• Review fromAngelica M

  Date: 09/20/2023

  1 star

  Angelica M

  Date: 09/20/2023

  I filed two separate CFPB complaints. They addressed one and ignored my second claiming that the were the same issue. They aren't. They failed two times and the only times I get some kind of contact is by leaving negative reviews and filing CFPB complaints. It is a literal joke at this point in time.
  

  EarnIn

  Date: 10/11/2023

  Thank you for sharing this with us, ********. We have checked those cases and both complaints were related to adjusting your pay schedule and overdraft fees. Our support team has worked with you to correct your pay schedule. It is now saved as "Pays every other week on Tuesday. Holidays always pay the day after." This will be followed, going forward. Also, we issued a $50 credit for the overdraft fees your linked checking account received. 
  
  If you have any further questions or concerns, feel free to contact our support team through chat. Have a great day.
  
  

• Review fromJessica M

  Date: 09/19/2023

  1 star

  Jessica M

  Date: 09/19/2023

  Earnin has become a complete Joke. You can't speak to a real person it feels as if you are speaking to robots. Everyone is giving you different information. How can I trust a company like this when they are not reliable for anything. This app needs to be investigated. I never had any issues as bad as now since they updated their policy. They want to charge you to withdraw and also want you to tip.. The serious is terrible...
  

  EarnIn

  Date: 10/10/2023

  Thank you for your review, *******. All feedback is important to us and we're sorry to hear about your experience. Please be informed that you will only be charged a Lightning Speed fee when you opt to receive the requested funds instantly. However, another option that you can choose from and it's free, though the funds will be received within the day or the next business day, would totally depend on when the request will be made, this is following the standard processing time. 
  
  Regarding leaving tips for the app service is optional and not a requirement. Additionally, the information given to you were troubleshooting steps that need to be followed to know why you only see a few earnings in your account and it looked like your case at that time was resolved by manually adding your hours worked. Upon checking your account now, you have reached your pay period *** and this will be debited on 10/13/23. Once again, thank you, and have a good day.
  
  

• Review fromDeborah K

  Date: 09/19/2023

  2 stars

  Deborah K

  Date: 09/19/2023

  Initially, they send you ******, and larger quantities but then it's small quantities if they don't get the tips they want. They still charge a **** fee to deposit $$ in your account and want **** to **** tip. If you don't comply you get 3**** a few times and they the **** You borrow. It's ridiculous really.
  

  EarnIn

  Date: 10/12/2023

  Thank you for your review, *******. We want to inform you that you can transfer out per day up to $100 and that's also dependent on the total earnings accrued from the *** data tracked on your device whenever you're at your registered work location. If you think that your earnings are incorrectly added, we recommend that you send us a screenshot of your timesheet, showing the dates, hours worked, and your name. Once we obtain that, we will review it and add earnings manually. 
  
  In addition, please keep in mind that leaving tips for the app service is entirely voluntary and not mandatory. If you decide to receive the transfer out amount right away, your checking account will be charged with a Lightning Speed fee on the debit day. However, you can also choose a free option and receive the funds within the day or the next business day, depending on the time and day of your request, following the standard processing time.
  
  If you have any further questions please feel free to reach out to our support team. Have a wonderful day.