Reviews

Review Details

• Review fromTracy J

  Date: 07/01/2023

  1 star

  Tracy J

  Date: 07/01/2023

  These people asked for this asked for that. And still did not authorize my funds. I closed my account and moved on. They even asked for my work schedule. I dont have a regular work schedule. I set my own hours Im a independent driver. Then they wanted check stub I gave them that Then they asked for my banking info and opened my acct. that still wasnt enough. Earn in act like they giving away a million dollars the way they ask for personal info. SMH! This is horrible! Im done!
  

  EarnIn

  Date: 07/10/2023

  Thank you for your review, *****. All feedback is important to us, and we're sorry to hear about your experience. We would like to take this opportunity to inform you and  our future community members that when enrolling/using the app, the main requirements would be the following:
  
  They should be employed.
  A consistent pay schedule (i.e. a routine direct deposit going to your linked bank (checking) account)
  At least one of the following: a fixed work location, an employer-provided email address, or an electronic (or printed) timesheet system.
  
  We recommend checking out this article, Who Can Use EarnIn (***************************************************************************************************), which includes more details. If you've met these requirements in the future and wish to use the app service, we'd be more than glad to assist you in creating a new account. Feel free to reach out to our chat support at any time. We appreciate your time and have a wonderful day.
  
  

• Review fromCarla H

  Date: 06/21/2023

  1 star
  They have debited my account for 3 weeks the same, doubled, and changed amounts for what was owed and fully paid. I have to close my account so they don't keep debiting my account! I notified them and they said it was fixed and it's not!

• Review fromFelicia B

  Date: 06/16/2023

  1 star

  Felicia B

  Date: 06/16/2023

  This application is deceptive. It doesn't tell you upfront that they base your *** from your banking health. I started off at $200, increased to $250 and then each pay period after I paid my advance back they kept $50. I chatted with a human and was told to look at Pay ********************* in the application to understand the decrease. That's crazy. I am currently down at $100 now from $150 and once I pay them this amount, I will stop using them.
  

  EarnIn

  Date: 06/21/2023

  Thank you for your review, *******. Our sincere apologies for the confusion this has caused you. We checked your account and it appears that you've communicated with one of our Specialists who explained what happened to your Pay Period ***.
  
  We'd like to remind you that each pay period, your Pay Period *** is reevaluated, and youll see good financial habits impact your *** over time. 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 are looking to increase your Pay Period ***, please check out our *** ***** feature. ********* allows EarnIn community members to help each other out by granting each other a temporary pay period *** increase of $50. If you don't know anyone who's using this service, we recommend joining our ************** dedicated to community members who are looking to give and receive **********! The group is called Earnin ***** Official and you can join by following this link *********************************************** We hope to see you there!   
  
  If you need additional assistance with your account, feel free to reach out to our chat support at any time. Thank you and have a nice day!
  
  

• Review fromCaprina A

  Date: 06/15/2023

  5 stars

  Caprina A

  Date: 06/15/2023

  Can anyone in the EarnIn Community help me boost my **** ?? ***********************************************
  

  EarnIn

  Date: 06/20/2023

  We are so glad you are enjoying Earnins Boost feature, Caprina! Since you are looking for a Boost, we recommend joining our ************** dedicated to community members who are looking to give and receive **********! The group is called Earnin Boost Official and you can join by following this link *********************************************** We hope to see you there!   

• Review fromBreanna S

  Date: 06/12/2023

  1 star

  Breanna S

  Date: 06/12/2023

  I signed up for earnin and was able to cash out $100 to my ************ account. My repayment was due 6/9 although I didnt know that it would be that soon until after I cashed out due to being a new user. I reached out to support at LEAST a whole day before repayment as required, to push back my repayment date. Everytime I would get connected with a human and explain my request and them confirm my request, the chat would disconnect. This happened to me at least 4 times. So I would keep reaching out again and again stating that my previous chats were disconnecting but support new and acknowledged the request for repayment to be extended. I got told that wasnt an option because by the time I was able to stay connected with someone it was 24 hours before 8am the day of repayment. ** I changed my linked bank in earnin from my regions bank to first mid ************* It was approved and I got the notification for lightening cash. When my repayment date came on 6/9 I was OVERDRAFTED $103 to my regions bank. I reached out to support multiple times and then switched back to my regions bank. Of course then, someone stayed connected with me just to tell me I was lying because I just confirmed my account that day. I explained that it shows that because I just put that one back on there bc they overdrafted me.then proceeded to say its because I had insufficient funds. No no no. Your guidelines and policies clearly state that if Im over drawn because I changed banks and earnin failed to update it in the app, fees would be repaid to me. But I can not get ANY assistance. Ive been called a liar, been talked to like Im dumb.
  

  EarnIn

  Date: 06/29/2023

  We appreciate your time and patience, and we sincerely apologize for any confusion and inconvenience this may have caused you, *******. We did check your case and it shows that you've communicated with one of our specialists, who informed you that the old account ************** you first linked was debited on your pay date since that was the account that was linked when you requested a transfer out. 
  
  In order to switch banks at that time, the new account would need to go through the process of verification before it can be completely linked to the app and your direct deposits would need to be routed to the other account too so the app can update the account set up. Now that you've switched it back to the old one, this can be used to continue using the app service. However, we've received an update from your bank that our debit attempt was reversed. We recommend reaching out to our chat support so we can set a rescheduled date.
  
  Once this is paid, your account will be reactivated, and be able to enjoy the service again. Hope this clears any confusion and looking forward to hearing from you soon. Have a nice day!
  
  

  Breanna S

  Date: 08/09/2023

  It DID go through the process of verification. I had it on there for days and was confirmed. Also thats not what the customer support specialist said to me at all. Ive straightened it out because I will NOT be using earnin ever again, ****** learned. Do not put the information in the little black text of disclosures if you arent going to pursue the information in the little black text. I resolved my over draft issue with my bank and no longer have to put up with disrespect of earnin and its specialists

• Review fromAntonia D

  Date: 05/31/2023

  1 star
  I will start by saying that I have used the Earnin app for about a year and didn't have a problem. It was helpful when unexpected costs occurred.However, I started a new job last month and so I updated all of my information in the app. They just "decide" what day you get paid based on your banking information. There is no way to change it yourself. I didn't realize it was set for the day before I get paid so I was surprised when I went to check my bank account and it was over drafted by almost seven hundred dollars. The customer service first lied to me, saying I get paid on the 31st and my bank "makes a habit" of paying a day early. I said no they don't, I get paid on these dates. They asked for a copy of my paystub. Why, when you have access to my bank account? Can't you just see when I get paid? **************** said "Your account was already in the negative before we started taking money out." I said "No it was not" and provided a screenshot proving them wrong. After going round and round with the so-called "rep" I asked to speak to a specialist. They said I can't until I can prove they over drafted my account and what fees I incur. I had just gotten home from the hospital where my son was and went to the pharmacy to get his meds and my card was declined. Not only did they s**** me over, they screwed my sick son over. Once this is settled and I get my money back for the overdraft fees, I'm closing my account. I have never been more upset with a company in my life. You can't even call and talk to a real person. 1 star is too many.

• Review fromSean K

  Date: 05/04/2023

  1 star

  Sean K

  Date: 05/04/2023

  Horrible customer service, lies to get you to do certain things so they can charge more then one rep will tell you one thing then another will tell you another, there are horrible business practices and then they mess with your limits its just a constant stress box totally not worth using
  

  EarnIn

  Date: 05/10/2023

  Our sincere apologies for the trouble and confusion this has caused you, ****. We see that you wanted to request a transfer out at the time you reached out, however, it was only possible if you had a bank balance higher than -$100 or to fully avail of the Daily **** it should be above $0.  Also, you communicated with one of our ******************* a few days after this review and were able to resolve your concern. 
  
  We're glad that you continued to enjoy the app service seeing that you just requested a transfer today. Should you have other concerns or inquiries, we're live 24/7 so you can always chat with us when you get a chance. Thank you for your patience and understanding. Have a wonderful day.

• Review fromT. C.

  Date: 04/10/2023

  1 star

  T. C.

  Date: 04/10/2023

  To get the referral bonus, you and the person you refer both have to put in an undisclosed amount of money into a false savings account and then "they will give you $25" False advertising as this was never stated until after i talked to 7 other customer service representatives. Im probably filing a class action law suit against them.
  

  EarnIn

  Date: 04/13/2023

  Thank you for your review, ***. All feedback is important to us and we sincerely apologize for any inconvenience you've experienced. We've checked your account and the account of the one you referred, and it looks like the code was not successfully entered during their sign-up process. Also, at that time, the person you referred hadn't created a Tip Jar yet. This is why the referral bonus was not added to both accounts. Having said that, it looks like those referral bonuses will reflect in both of your Tip Jar accounts today (04/13/23) as one of our specialists was able to manually add the code to your account.
  
  Should you have questions or concerns, we recommend reaching out to our chat support so you will be promptly assisted. Thank you and have a nice day.

  T. C.

  Date: 04/14/2023

  Still haven't received bonus after they reviewed my account and said they would make an exception and give it to me.

• Review fromChristina R

  Date: 02/22/2023

  1 star

  Christina R

  Date: 02/22/2023

  After 7 customer service reps and no resolve I am forced to turn to the BBB to file a complaint and submit a review. They refuse to honor the date that my company deposits my check after a holiday. They have caused the repayment to be returned and will not resolve the issue. I have texts, screenshots, bank statements, and stubs to provide them with the proof but they refuse to correct the pay dates. Its a setup for failure- stay away.
  

  EarnIn

  Date: 03/01/2023

  We're sorry to hear about your experience and we appreciate your feedback, *********. We did check your case and noticed that you already closed your account. If you wish to use the service again, don't hesitate to reach out to our live 24/7 chat support so you'll be assisted accordingly. Another thing, regarding the returned transaction due to early debit, if your account incurred any fee due to EarnIn debit, we will refund it. Feel free to reach out to us at any time. Thank you for your patience and understanding. Have a nice day.

• Review fromAaron W.

  Date: 02/16/2023

  1 star

  Aaron W.

  Date: 02/16/2023

  The app is misleading and they failed to provide assistance in a timely manner! All they want is to obtain account information to take your money. Customer service is a joke and figured this out after reading several reviews. Had to change/open another account because I didn't get assistance for over a month. No resolution or apologies regarding the multiple errors so this appears fraudulent in my opinion! I can provide the back and forth emails in regards to show the extent of negligence.
  

  EarnIn

  Date: 02/28/2023

  We sincerely apologize for the inconvenience this may have caused you and we appreciate your time. We did check your case and it was reported to our third-party bank provider. It was out of our control as we are relying on them to give us updates as they're the ones who have a direct connection with your bank system. With that being said, one of our account specialists was able to reach out to you with the update, however, it looks like you've uninstalled the app.
  
  If you wish to try using the app service in the future, feel free to reach out to us at any time. Thank you for your time and have a nice day.