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Review fromCindia D
Date: 10/27/2022
1 starCindia D
Date: 10/27/2022
I will be canceling my account with **********************. As they like to take out the money 3-4 days before you get paid. Causing you to have a negative balance with your bank. That's not right!
EarnIn
Date: 11/02/2022
Thank you for your review, Cindia. All feedback is important to us and we're sorry to hear about your experience. We've checked your account and the setup was based on when your direct deposit post to your account. The current setup is "Pays 2 days before the 15th and 31st. Holidays pay before" which excludes weekends. That's why your account was debited last 10/27/22 and seeing here that your direct deposit did post on the said date.
Kindly let us know if our debits were posted ahead of your direct deposit so we can check and make the necessary adjustment. To do this, please reach out to our chat support anytime and provide a screenshot of your bank statement showing that information. We'll be more than happy to assist you.Review fromAmber M
Date: 10/23/2022
1 starAmber M
Date: 10/23/2022
This is the worst app ever!!! They have a bunch of options if you're self employed. Then they refuse give money to self employed. They claimed I needed a bunch of ********* said I have ALL of that. they still said no we don't support youEarnIn
Date: 10/27/2022
Thank you for your review, Chris. We deeply apologize for the confusion.
Allow us to inform you that we currently don't support self-employed community members as they don't meet all of the requirements in order to use the service. Here are the things you need in order for you to use the app:
1. You are an employee paid by direct deposit into a Checking account.
2. You have a regular pay schedule (weekly, biweekly, semi-monthly, monthly)
3. You do use an online/electronic timekeeping system, or you have a fixed work location
If you would like to learn more about how we collect and use this information, check out our Privacy Policy: https://www.earnin.com/privacyandterms
We hope this clears up any confusion. If you have other concerns or inquiries, we're live 24/7 so you can always chat with us when you get a chance. Have a nice day.Amber M
Date: 10/28/2022
As stated in original review i have EVERYTHING you need from me. Yet you rejected anyways. You have the options for self employed in the selection. If you don't accept self employed then you might want to take ALL the self employed options off.
Your comment even says what I need & I HAVE EVERYTHING. Your 24/7 live chat couldn't do anything no matter how much PROOF I sent to them of EVERYTHING that you requiredReview fromSteffanie G
Date: 10/22/2022
1 starSteffanie G
Date: 10/22/2022
The App started off good until they tool out my payment early and overdrafts my bank account. **************** then wanted me to take a screen shot of my bank account as proof that they took it out since it wasn't scheduled to come out until the 24th. After some back and forth I showed them the proof they had asked for. The picture had shown the transaction and the overdraft from the transaction. The customer service representative then implied my account must have been negative already. Then wanted more proof. An official letter from my bank! Knowing that will take time.. They refused to help.EarnIn
Date: 10/27/2022
Thank you for your review, Steffanie. All feedback is important to us and we'd like to sincerely apologize for the inconvenience you experienced. We see that you were able to communicate with one of our Community Advocates a few days after this review and were able to resolve your concern.
Also, we're able to see that you've reached your pay period Max. If 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 have a good day.Review fromRachel D
Date: 10/07/2022
1 starRachel D
Date: 10/07/2022
The Earnin app starred out really well, I had absolutely no issues until I decided to try their Earnin express debit card. It has been nothing but a headache! Today I had my second ever direct deposit with them. After paying for my cash outs they proceeded to take the majority of my check! I only received $50 from my direct deposit! I will be canceling earnin express immediately! I would not recommend that anyone use their Earnin express debit card! It almost feels like a scam! If you're considering using their debit card, please think l twice!EarnIn
Date: 10/12/2022
Thank you for your review, Rachel. All feedback is important to us and we're sorry to hear about your experience. We see here that you were able to communicate with our Community Advocates last 10/07/22. They were able to explain what really happened to your account, and why it only shows $50.25.
Another thing, allow us to remind you that Earnin Card is a partially secured charge card that works like a credit card. Here is how it works, every time you purchase or take cash advances we extend an amount of credit to settle the transaction then we will secure the same amount from any available funds in your Secured Account. The secured funds will stay in your Secured Account until you manually make a payment from your Secured Account. In the same manner, secured funds will not be available for any transactions and this also means that your available credit in your Secured Account decreases. If you spend more than your available credit from the secured account, on your payday, we secure the same amount until it equals your card balance which is why you are only seeing a part of your paycheck reflected in your Secured account.
We can also see here that you continue enjoying cashing out. If any issue occurs in the future with your account, please don't hesitate to reach out to us through our live chat support. Thank you.Review fromTeri M
Date: 10/06/2022
1 starTeri M
Date: 10/06/2022
Right after I received my money someone tried to change my information to get into my bank account. I will pay them back but not by giving them my information again. They can email another way to pay them back. Will be canceling this account. Should have gone with my first instinct which was don't do it!!!EarnIn
Date: 10/11/2022
Thank you for your review, Teri. All feedback is important to us and we're sorry to hear about your experience. We see that you're able to communicate with one of our Community Advocates, however, you haven't given any information for us to trace your account and be able to give you advice/updates about your account. We also appreciate your proactiveness in paying us. If additional assistance is needed in the future, we always recommend reaching out to us through our live chat support so we can help you in a timely manner. Have a nice day!Review fromKimberly V
Date: 09/01/2022
1 starKimberly V
Date: 09/01/2022
I have used this app for years and actually had no problems until recently. I requested 50 lightening speed last wednesday (didn't get it), i thought i did something wrong so I did it again (another 50)...still NOTHING!!! they told me to wait and i wouldn't be charged the "lightening fee" if it wasn't received on time... Needless to say...i NEVER got my money and come payday...THEY TOOK THE MONEY I NEVER RECEIVED! It is now a week later and i have messaged them EVERY DAY demanding managers / phone number. They have NO phone number apparently and have asked me evry day to "wait another day" A "manager" finally said they credited it back to me and NOPE, NOTHING!!! Then they told me to "wait another day"...i spent over an hour texting with them this morning and now they're asking me to "WAIT ANOTHER DAY". THIS IS UNREAL. DO NOT USE THIS APP!!!!!! YOU WILL GET ROBBEDEarnIn
Date: 09/14/2022
Thank you for being part of the Earnin community. We really appreciate your feedback. We really don't want the kind of experience you are having in using the app and we assure you that the issue regarding your Lightning Speed Cash Outs that were not visible in your account gets resolved as soon as possible. We see that the Lightning Speed Cash Outs you made did not hit to your account and those (plus tip amount and the Lightning Speed fees) were debited on 8/26/2022 to your checking account which you linked to the app. Since we confirmed that you really didn't receive those Cash Outs, we credited the debits(that includes the tip and the Lightning Speed fees) back to your account on 9/6/2022. We are confident that we've resolved the issue. Thank you for your patience and please reach out to us if anything else comes up. Have a good day.Review fromAnthony A
Date: 08/18/2022
1 starAnthony A
Date: 08/18/2022
Essentially Somebody made account with my stolen information and earnin decided to give me the run around instead refunding me their costumer service is horrible no help at all they give you the run around I think they are a scam they don't even have a phone number for you to callEarnIn
Date: 09/14/2022
Thank you for being part of the Earnin community. We really appreciate your feedback. We really don't want the kind of experience you are having with the app and we assure you that the issue regarding the account that you never signed up for and has your information gets resolved as soon as possible. We checked the account, and we see that it has Cash Outs, and the information stored in that account like the email address and the phone number are also the information you used in contacting us. In line with our investigation, please send a PDF Bank Statement of your Navy Federal Credit Union **29 showing your transactions from the month of May to August. This will help us further investigate the issue and so that we can come up with a resolution. Please respond to the email we sent you. Have a good day.Review fromEva W
Date: 08/17/2022
1 starEva W
Date: 08/17/2022
I agree with most of the reviews on this board. They added a debit card and everything has been total confusion. They tried debiting my checking account before my scheduled pay date allegedly because they "forgot" to debit it the pay period prior. Then when my paycheck is posted they still do not debit the amounts that are due and continue to try and debit my account that they overdrew with debits posted on the incorrect day. In the beginning this app was a Godsend but now I will be moving away from using them altogether. Too much confusion and no actual help through costume service.EarnIn
Date: 09/14/2022
Thank you for being part of the Earnin community. We really appreciate your feedback. We really don't want the kind of experience you are having in using the app and we assure you that the issues regarding the debits that were taken out from your account on a wrong date gets resolved as soon as possible. I reviewed your conversation chat with one of our Account Specialists. I am glad that the issues have been resolved. Moving forward we will debit your account basing on the correct date. Your pay period Max was reinstated to $500 as well. Now, the pay period Max is increased to $600.00. We are confident that we've resolved the issue. Thank you for your patience and please reach out to us if anything else comes up. Have a good day.Review fromBrooke J
Date: 08/17/2022
1 starBrooke J
Date: 08/17/2022
I've requested to revoke bank authorization and to delete my acct, I was told by a rep that a specialist would reach out to me in business day via email; they never did. I reached out again demanding bank authorization to be revoked first and then to delete acct and was told the aforementioned. This company is so duplicitous, telling you someone would reach out to you to resolve your issue with no intention on doing so!EarnIn
Date: 09/14/2022
Thank you for being part of the Earnin community. We really appreciate your feedback. We really don't want the kind of experience you are having in using the app and we assure you that your concern regarding revoking bank authorization and closing your account gets resolved as soon as possible. I see that your account was tagged as Revoked Authorization. As for closing your account, it's sad to know that you are planning to close your account.††I have checked on your records here and I can actually see that your account is in a good state. Are you having trouble with app? Perhaps I can help you out with that. Or do you need assistance in updating anything? I can walk you through it by giving you some steps. Or by any chance, I might be able to update your account here manually. Looking forward to your response to the email we sent you. Thank you.Review fromSantiago R
Date: 08/12/2022
1 starSantiago R
Date: 08/12/2022
ABSOULTE DISRESPECT. The untrained copy and pasters you call "Support" do not know how to do as I say and SPEAK WITH A SUPERVISOR. If you do not know, keep your "We understand" BS. You obviously do not understand. Treated like a child and told "I dont know" with a bunch of fluff words and sorry's. Technical my ***. You cannot fix a connection issue after 3 weeks. Earnin started making money and forgot who MADE YOU!EarnIn
Date: 09/22/2022
We heard you, Santiago, and we appreciate your review. We are truly apologetic with the inconvenience you've experienced and this is absolutely not the kind of service we'd like you to encounter when using our service.
We did check you case and it was reported to our third-party bank provider. It was out of our control as we are relaying for them to give us updates as they're the ones who has direct connection with your bank system. With that being said, there was an integration issue with the linked financial institution that caused connections and item updates to fail. They need to be synced, in order for the data to match and this is why there's a delay in refreshing the information in your account.
We are also glad to see that it's back and running smoothly as you're enjoying cashing out. If any issue occurs in the future with your account, please don't hesitate to reach out to us through our live chat support. Thank you.
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