Earnin

Earnin

331 Reviews · Last reviewed on 08 July 2020

What is Earnin?

At Earnin, we’re making money work in a way that’s fair’s good for everyone. Together with our community, we’re creating a future based on what’s possible rather than the way it’s always been done. That’s why we let people get paid when they want.

The pay cycle was built for a time when everything was done manually. Now, we can move money at the touch of a button. So, why wait? If we stand together, we can transform how money works. If we help each other, we’ll all succeed.

Serchen Index

90.79
260
Employees
1,890
Subscribers
5,231
Followers
66K
Likes

What is Earnin?


Earnin Support & Customer Service

For assistance, you can contact our support team either in-app or by emailing [email protected] Support is available 24/7 and will typically get back to your message within a day.


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Earnin Reviews

2.4

Good!

331 Reviews

Last reviewed on
08 July 2020

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Thursday, July 9, 2020

They took $30 out of my debit card. I am so mad right now, and give me back my $30 now!!!!!

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Tuesday, July 7, 2020

This company has the most disrespectful, unprofessional and disgusting employees. DO NOT UTILIZE THIS APP, the customer service isHORRIBLE!

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Thursday, July 2, 2020

Do not get. Customer service is the worst I have ever experienced. I can’t believe a business is allowed to run with that kind of education and professionalism. For the sake of your money I am telling you do not use. The ignorance of it all is astonishing. Again customer service is the worst I’ve ever experience on my years on earth.

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Thursday, June 25, 2020

was working fine but now it keeps telling me I need to send copies of my paystub. I do and its never enough. I've had the same job since using this, why am I having this problem now? Please fix this.

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Tuesday, June 23, 2020

If I could give zero stars thats what I would give. Worst app ever since the begining of the year with scripted excuses each time. Earnings are not updated accurately as well as when you chat with them about it they have no clue as to what they are doing. Since the begining of 2020 I have had nothing but issue after issue with this app. Won't recommend to my worst enemy and surely won't use again.

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1 of 1 people found this review helpful.
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Wednesday, June 17, 2020

This app is absolutely infuriating. It worked okay for a while, but as soon as COVID happened there were glitches left and right. I was employed and using the app for 3 months. All of a sudden my account switched to unemployed. I couldn't access money. They never explained to me what the issue was with my account or how long to expect it would be before it's resolved. I've received no information on what is actually going on, what the problem is, how it happened, and how and when it will be fixed. There's no information or clarity and I'm having to reach out via chat about this issue daily and have the same exact conversation with a different support person. 6 days in a row. Not kidding. It's incredibly frustrating. I've been using this app for 3 months now and submitted my work information in March. I have been submitting pay stubs and biweekly deposits and debits every other week since I started. They had all the info they needed. I've been a customer for a long time (previously for a year with a different company) and I've never had an issue like this but it is terribly frustrating. The lack of specifics and outreach is difficult to understand. Please let me know when I can expect this to be fixed. The customer service was atrocious. Absolutely the worst customer service I've ever experienced. I honestly thought they had been hacked or taken over by scam artists, that's how bad it was. I would never recommend this app and will never use this app again. It has been a truly horrible experience. DO NOT USE this app if you can avoid it.

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2 of 2 people found this review helpful.
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Monday, June 8, 2020

I am sure any hard working and reputable attorney would find various consumer protection violations made by Earnin. It does not take long to see this is a very questionable company. This company is NOT clear how they operate. In my opinion, this company serves like a Money Laundry for cartels. Looking into Earnin's business practices and how they operate would be an excellent project for a good law firm.

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1 of 2 people found this review helpful.
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Tuesday, May 26, 2020

Just scam that gets you quickly into more debt....just learn to budget yourself and stop unecessary spending. I was done with this app until the pandemic hit and they made the process extra hard I went to form 1k on earnings to just being able to get 50. Even after sharing my recent paystubs they refused to make any changes. Just learn to budget y’all be more proud of yourself

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3 of 5 people found this review helpful.
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Thursday, May 21, 2020

This is a way to enslave you to their app. They give you a max of up to $500. Then you find you're dependent on getting that money back, costing you what ever you tip them. When the pandemic happened, and we had to work from home, they only allowed people to pull $200. I was in the process of "weaning" off these guys by cashing out $50 less each week. Next week, I'm down to $50, then never again. It's a waste of money and there's other options. But you don't want to be dependent on a technology company for a payday type loan. Learning to budget isn't a bad thing.

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3 of 6 people found this review helpful.
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Friday, May 1, 2020

Beware teachers! I am teacher and am on salary and get paid 12 months out of the year. I had my first issue last summer when I needed to cash out and could not get get earnings added because I was not driving to campus. When I contacted Earnin they basically said sorry they could not do anything for me. Then a few months ago my cash out max dropped for no reason. They never had an issue debiting money and my account t was always in good standing but cut my cash out max in half. Then now that the entire country’s
education system has transferred to school from home and I no longer drive to campus I am back where I was last summer. Teachers are under contract and get paid every month of the year and I am direct deposit so once our job is verified our earnings should go in regardless of wether we go to campus or not. Teachers don’t bother because Earnin will not be helpful when they need you and is definitely not there to help the public during the Virus quarantine! I will never use again!

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3 of 5 people found this review helpful.
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Monday, April 27, 2020

Peoples! Look elsewhere! Exhaust all options before payday loans (what earnin calls "activations"). Work for the government? Have a state employees credit union? Know a family member that does? Bank with a credit union, pull out a "Salary Advance Loan (aka SALO) when money is tight. Way cheaper and what you pull out is reimbursed back to YOU and placed in a SALO savings account to earn INTEREST for YOU!!!! Works just like earnin but with benefits for YOU!!! The interest rate (first 6 mo) is 14% or less. Earnin is 100 times that!!! Tsk Tsk earnin. Fool me once shame on you! Fool me twice, shame on me!

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2 of 5 people found this review helpful.
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Monday, April 27, 2020

Verified Review

The wait time for response has gotten completely out of hand. They don't have understanding people making the policies and procedures. They worried about protecting their business when their business was supposed to be helping the community. Now here it is the WORLD is facing some of the most devastating times ever and they decide to change the policy on March 26, 2020. I would not ever recommend nor do business with this company ever again. I will also continue to voice my concern, disgust and disappoint regarding this companies antics during this time. I am just appalled!

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4 of 5 people found this review helpful.
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Monday, April 20, 2020

They are a lying company who agrees to debit on one date , then takes the payment two weeks early ! They will also not fix their mistake giving scripted apologies despite being shown proof of the arrangement. Do not ever use this company .

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8 of 9 people found this review helpful.
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Thursday, April 16, 2020

Disgusted with this app. Been transitioned to work from home, making the same money but no work from home documentation. No option to cash out anymore even though they previously kept on raising my max. Always tipped. Documented timesheets and still am unable to use app. Says I have no earnings. You are going to lose majority of your subscribers. Smooth move Earnin

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8 of 10 people found this review helpful.
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Wednesday, April 15, 2020

I agree with many of the other reviews when it comes to the way this company is handling COVID 19. My account has always been in good standing, and I always tip very generously. I'm blessed enough to be working from home. Earnin needs to understand that every worker cant present a time card, because some of us are salaried. Most companies in my field, will not send out memos stating that were working from home. Its the essential workers and people that work from home that are keeping this app running. So I guess Earnin's solution is to drive away people who keeping the cash flowing? Earnin has handled this situation poorly and I will be closing my account. I don't blame the people in customer service because they dont make the rules. It's the people above them who make very thoughtless decisions.

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5 of 7 people found this review helpful.
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Monday, April 13, 2020

I’ve been a customer for a year and never had issues up until now with the COVID19 pandemic and working from home. My account with Earnin has always been in good standing and still is.

During this pandemic, we are all working from home. I am also a salaried employee! I’ve provided proper documentation showing evidence of my work from home order along with My paystub that shows the pay period AND the timesheet of the pay period! Nothing on my account was updated as far as my daily earnings which I am now unable to cash out because I’ve contacted Earnin at least 4 times about my daily earnings to try to get this resolved, and each time it was the same stupid copy and paste answers!

Word of advice to Earnin, train your reps to be more competent! I will be closing my account after this pay period!

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9 of 10 people found this review helpful.
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Monday, April 13, 2020

The system is easy to use but they let you borrow money, require you tip tip them and then drop your earning max use 150 in a pay period for no reason when you pay on time. Customer service is a scam and their workers lack skills to assist. I recommend you use BRANCH instead. DON'T USE EARNIN

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4 of 4 people found this review helpful.
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Monday, April 6, 2020

Was having issues that were resolved before the pandemic. Now it's a whole mess. No transparency, no honestly.customer service makes it up as they go. Now even with the shield and a good paycheck they have created an overdraft.
Wait times are astronomical.
Looking for legal advice against them.

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4 of 4 people found this review helpful.
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Monday, April 6, 2020

I’ve been a customer for almost a year. I gave generous tips to pay it forward if that even really works. Now they said my deposit can’t be accepted because it’s a benefit. Seriously!! It’s been like this and I’ve paid all my money back on TIME!! They don’t support disabled vets or elderly. Piss poor! I will go somewhere else

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5 of 5 people found this review helpful.
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Monday, April 6, 2020

This company is AWFUL!!! WORST THAN TERRIBLE!! I had it for a few months and just closed it due to their incompentence, injustice and complete lack of support.
I am a salaried employee who is currently working at home due the pandemic. My job is not currently providing timesheets because they just don’t.
Besides, everyone is working from the house and there is no need to provide a timesheet. As a matter of fact we never had timesheets.
What is even worst is that Earnin penalized my earnings because of my inability to provide a timesheet during these difficult times. Very saddening and truly dissappointing!!
In times of need instead of supporting they penalize you!! Why can’t I get my regular earnings just because I am not driving to work?? I am so upset!! Is not fair!! I hate this company and I don’t recommend it to anyone! I hope they go bankrupt with this crisis!!

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6 of 6 people found this review helpful.
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Friday, April 3, 2020

Earnin's demise is here, during this world Corona Virus crisis. They do not know how to stay afloat during all of this. My account was debited from my last withdrawal from them, but the money is not available to me. I am out $450, hundreds of dollars that I NEED. Your dumb AF new "rules" do not apply to me for you to try to verify. I work from home now, like majority of the rest of the world, if you able to keep your job. My Government job will not write a letter to verify employment, to no one. I also work salary, but I have been waiting days to see if any money will be available for me to withdraw. I have used this app for about 2 years. I get paid every 15th and 31st of each month, it never deviates. You guys do not know how to work around this crisis and will not be here after this is over. I am so glad I went ahead and ate this $450 lost, deleted the app and will not have to deal with you ever again!!!

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8 of 8 people found this review helpful.
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Thursday, April 2, 2020

Earnin is terrible, they are screwing people over during a pandemic and changing their company guidelines to how they see fit. Don’t use them do somewhere else!!

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7 of 7 people found this review helpful.
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Tuesday, March 31, 2020

The app works well. Been a customer for a year or more , just ran into a problem due to work issues during the coronavirus. Chat session was rude, disrespectful without resolving the issue. There will be plenty of issues during the worse time we've seen in the world and earnin could be more helpful and understanding during this time
I have no choice but to see what happens

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1 of 1 people found this review helpful.
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Tuesday, March 24, 2020

Very Disappointed!!!!

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1 of 2 people found this review helpful.
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Tuesday, March 24, 2020

It truly disappoints me to write such a Negative review. I've used this app for many many months and I've never had a problem and when I did all I needed to do was send a screenshot of my deposit and things balance to the company. But, when I need them the most during this pandemic they cannot be honest with me. I have spoken to several almost five different associate to a fed me the same line I do not appreciate this and it makes me sad that when I needed you the most you weren't there. I will be informing my friends and family that this is a horrible company when you really need them but apparently really good when they need you watch out nothing is free free remember that.

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7 of 7 people found this review helpful.
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Monday, March 9, 2020

I used this app for awhile and it was fine at first, but they decrease your max without warning. I did everything right. My bank account was always positive, I tipped regularly, and I had the balance shield turned on, but none of that mattered. They decreased it anyway. Customer service is a joke. You can never get a straight answer from these people, and the GPS tracking for work was never accurate. Some days it would say I didn't work when I was clearly at work so I would upload a timesheet for them to verify and it would never get verified. It's good for in a pinch, but never for long term use. I don't trust it and I never liked the idea of them having so much of my personal info and bank info. Seems shady. I'm glad my account is closed and I will never use them again. Good riddance!

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4 of 4 people found this review helpful.
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Thursday, February 13, 2020

Earning was a breeze to use at the first but the constant decreases in the max without notifying you is insane. One representative told me that your max decreases if your bank is overdrawn which I have never been overdrawn. Another rep. said if you don’t tip that’ll decrease your max. Another rep said if your payday fluctuates that’ll decrease your max. The customer service representatives give false information. They urge you to tip but if you don’t tip they decrease your max without your knowledge.

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5 of 5 people found this review helpful.
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Thursday, February 13, 2020

I have waiting more than a week for a connection issue. Customer service does not know anything. Their IT must be on vacation and they keep saying it is my bank which I confirmed with them it is not. About to delete and move on.

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6 of 6 people found this review helpful.
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Wednesday, February 5, 2020

I liked Earnin at first! But now I am very dissatisfied. They keep decreasing my max every single pay period for no reason!! They always get the money back that they loan me every pay period so I don't get the issue. I'm definitely closing my account.

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9 of 9 people found this review helpful.
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Wednesday, January 29, 2020

DO NOT USE THIS APP!! I have had nothing but problems & issues since July. Earnins is not helpful. They representatives are not helpful & make excuses as to why you can not access funds. They have no problems or issues taking the money back you barrowed. Your max allowed to barrow decreases with every pay check leaving you in a bad situation. I am deleting this app DO NOT RECOMMEND THIS APP. It is better to just go to payday loan ace. At least you know you can get back what you barrowed on a constant bases

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5 of 6 people found this review helpful.
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Sunday, January 19, 2020

This company is unprofessional! They take money out when your pay day changed after you already spoke with somebody about changing your pay day. They give false information such as telling you that they will refund the money but never do. Take money out and leaves your account negatives after you told them your paid day changed. The customer service is no help. This company sucks! Worst experience ever! I give them NO STARS!

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5 of 6 people found this review helpful.
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Thursday, January 16, 2020

HORRIBLE! About 2 days before my pay date they send a message that they are decreasing my withdrawal limit. This has been happening for months. Never been overdrawn, they always receive there money on payday. NEVER anything bad on my part. So I tested the waters to see if they would do it again. Mind you I have money in the bank and my accounts are not overdrawn. THEY DID IT AGAIN!! This concept is a sham. I guess they punish people like me who do whats right and pay on time to cover for the idiots who don't. THANK GOD I will never has to use this service again. BEWARE they are sneaky and deceptive..the account is NOW closed.

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11 of 11 people found this review helpful.
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Tuesday, January 14, 2020

So poor access!!! A direct deposit into your savings doesnt count for them,even when connected to your checking. They want every penny you receive accessible to them in your checking. Seems very suspicious for a company that claims to charge nothing.

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7 of 7 people found this review helpful.
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Monday, January 6, 2020

Dont do it. They find every slick way they can to keep your money. So I cant cash out because it's not showing I was at work . Well it was a holiday. I still got paid . So what's the issue. Just shady

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7 of 9 people found this review helpful.
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Thursday, January 2, 2020

I am canceling because the 3rd time I tried to get money it wanted me to have a friend vouch for me and my friends do not need to know my business. If the time was worked that should be good enough. Also I did not want to give them any stars and it would not let me submit my review without giving them at least one star.

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10 of 12 people found this review helpful.
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Thursday, January 2, 2020

DO NOT GET!!! They put my bank account in jeopardy taking out money before before it was due causing me to be in negatives for hundreds of dollars and penniless on New Year’s Eve, go get the dave app

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7 of 7 people found this review helpful.
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Thursday, January 2, 2020

I would never recommend getting the Earnin app. Customer service is hard to contact. They can’t resolve issues. They don’t mind gathering all of your personal information. Then you can’t get your earning or cash out after the first time. A waste of time and it’s expensive. Don’t waste your time.

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10 of 12 people found this review helpful.
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Thursday, January 2, 2020

Customer service is quick to respond yet they were unable to resolve any of my issues. They kept asking me to resend my bank information multiple times along with sending multiple screen shots of my account details such as test deposits and direct deposits. This went on for a few days before I gave up and closed out the account. Never got past the account set up part.

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7 of 7 people found this review helpful.
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Sunday, December 22, 2019

Not happy with the Earnin app have yet been able to get an advance from them. It’s useless and just a waste of time.

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9 of 12 people found this review helpful.
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Wednesday, December 18, 2019

This app started out great,, but then I started to notice I would request a advance and it would not post to my account,, then you send a message and they don’t respond back,,, don’t use this app it’s a total waste!!!

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10 of 11 people found this review helpful.
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Wednesday, December 18, 2019

Best APP! highly recommended

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6 of 13 people found this review helpful.
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Monday, December 16, 2019

They debited my account on the wrong date, even though I uploaded my pay check. This caused me over $145 in fees. I had to speak to over 5 agents just to update my paydays. One of the agents told me that they will credit my account because the system picked up the wrong deposit date.

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7 of 7 people found this review helpful.
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Monday, December 16, 2019

I had to take a seven day medical leave and instead of being able to count on Earnin to help me through they are bailing on me. Very disappointing. They are only there in the good times.

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4 of 5 people found this review helpful.
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Thursday, December 12, 2019

Used a few times when I was in a tight spot financially, and preferred it to a payday lender. The tip model allowed me to pay less interest, and I could take only the money I needed. Since my situation has improved I have not used the app. Nothing in my financial situation has changed - I earn the same amount, am not over drafting, etc, and yet I receive emails every couple of weeks telling me my maximum has been decreased and reccommending I "keep going to work" and "avoid overdrafts". Since I do and do, it's obviously something else. Though these emails aren't a real issue, they're annoying, and point to a lack of company transparency into what really drives their maxes. Bottom line, if you're in a financial jam, Earnin can help you bridge the gap and can be cheaper than overdraft fees. But it doesn't appear to be an honest company, and I would not relay on it if I had any other choice.

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16 of 16 people found this review helpful.
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Wednesday, December 11, 2019

Says i got money at work $200 in two weeks but i didnt get anything? This was in july.

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3 of 4 people found this review helpful.
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Friday, December 6, 2019

I have been trying to reconnect to my bank account for a couple months now but unfortunately I have not been successful. I use to use this with no issues and now I can't log back in. Please help, thank you.

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10 of 12 people found this review helpful.
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Friday, November 29, 2019

If you have no major issues there are no problems. However, my account was drafted early which caused me to incur a $29 OD fee. I noticed Tuesday a pending draft ( mind you my draft date is Thursday) so I contacted them.via chat and was assured the draft would not be taken however it was still taken on Weds. Yes Earnin acknowledged this error and I was informed in the chat that someone would get back to me about the fee and the incorrect draft date. Not only has the "specialist" not gotten back to me they have decreased my max limit and customer service is not helpful at all. I am just pretty upset that they have disregarded my draft date which means that they can and will debit my account as will. Unfortunately I am unsure who else to complain to which is another issue in itself.

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14 of 15 people found this review helpful.
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Friday, November 29, 2019

The company takes out money prior to contractual obligations which can cause your account to go negative. Someone should really look into a class action law suit against them.

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12 of 13 people found this review helpful.
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Wednesday, November 20, 2019

This app sucks if you miss one payment they automatically cut your allowed to half. So from 100 to 50. Thats bullshit.

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4 of 11 people found this review helpful.
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Friday, November 15, 2019

This would be great except in my situation I travel for my work so I don’t go to the address of the corporate building I don’t interact with anyone from the offices so I don’t have access to my timesheets and even though I get a pay check every week Earnin can give me a cash out because my situation doesn’t fit within their criteria so I can’t use this at all so for anyone in my same situation don’t bother it won’t work for you

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7 of 7 people found this review helpful.
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Wednesday, November 13, 2019

If i could give zero stars I would. For some dumb reason now i can’t log into this stupid account. It won’t let me enter a email address to log in and now my password is not working even tho it’s SAVED SO ITS THE CORRECT PASSWORD. Please hurry the he’ll up and open my account so i can’t delete my service wit y’all dumb ass

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11 of 14 people found this review helpful.
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Tuesday, November 5, 2019

Erin app is for the idiots out there that think everyone owes them something. Get out and earn your money. If u can't live on what you make maybe you are living too high. Go to eating sandwiches or ramen noodles instead of going to McDonald's every meal.

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13 of 103 people found this review helpful.
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Tuesday, November 5, 2019

Verified Review

Earnin started out fine but now I can’t even ever use it because it takes them like a week to update my bank account balance. They even just make up numbers that were never the balance in my account ever. Customer service is terrible. They give you the typical pre-typed answer of “Well it’s your bank’s fault.” Yet all of my other apps sync to my bank account just fine. Hmmm ??

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17 of 19 people found this review helpful.
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Monday, November 4, 2019

This company is a joke. Don't try using it if you need money right away. It takes DAYS for them to keep up with your direct deposits and bank balance. They're a waste of time

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13 of 15 people found this review helpful.
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Thursday, October 31, 2019

Earnin started out AWESOME. They were definitely handy in a pinch. I have never had an overdraft fee while using them and I always pay on time, yet my pay period Max is still decreasing. It doesn’t make sense for it decrease just because you can’t exactly save like they want you to. If I could, I wouldn’t need to use it in the first place. Overdraft fees? Sure, decrease away. Don’t pay on time? Definitely? Oh, your account doesn’t have as much money as we’d like for you to have in it, let’s decrease that Max for you even though you do everything else the way you’re supposed to! What a joke.

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37 of 38 people found this review helpful.
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Monday, October 28, 2019

The last two of my derogatory accounts have been removed from all 3 credit reports, loans and maxed out credit cards paid off thanks to CREDITSMARTSPY @ GMAIL DOT COM. The methods and almost daily coaching work! Now I will be moving forward with obtaining business credit to get started with real estate investing. Thanks again for your help CREDITSMARTSPY 1(305)-912-6941

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0 of 28 people found this review helpful.
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Thursday, October 17, 2019

I really enjoy the app. I have never had an issue getting money deposited to my account. I have seen my limit increase as I've paid on time/ regularly used. No problems at all especially last six months or so using it. My only recommendation is once you have attained 500 limit, do not take someone back to a lower limit solely because they didn't use the service. Sometimes money is needed in a week and sometimes not. Other than that I really enjoy it and it have helped me tons especially using to finance other debt I've had and get ahead.

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13 of 15 people found this review helpful.
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Monday, October 14, 2019

All was good til last week. They sent the money lightening speed...but the next day it was gone. I ended up getting it sent back. But then 3 days later another 100 was deposited that wasnt suppose to be. We closed the account needless to say. It could have bounced the account. The rep was rude said they wanted as well our account shut down! Way to go stacey, what a professional rep u are!

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10 of 11 people found this review helpful.
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Thursday, October 10, 2019

It worked great for a year then they seem to be arbitrarily decreasing and increasing. Nothing has changed: I always pay, i have had the same steady income, my bank account is positive. Yet every week they play with my emotions. I have asked but only get the canned text response

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21 of 21 people found this review helpful.
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Tuesday, October 8, 2019

I was able to cash out once after that can't even open app anymore all I get is a white screen I've tried customer service and they haven't been able to do anything so I can't even close my account not happy

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6 of 8 people found this review helpful.
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Wednesday, October 2, 2019

Earnin should add fort hood national bank

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2 of 5 people found this review helpful.
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Wednesday, October 2, 2019

Horrible customer service keeps getting disconnected my bank won’t connect been two days

10 of 11 people found this review helpful.
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Monday, September 30, 2019

Like others there are constant error syncing to my bank. They use plaid to sync bank info, which many other apps use. I have had all the other apps completely up to date but Earnin will blame the sync service and refuse to investigate. Garbage!

25 of 26 people found this review helpful.
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Monday, September 30, 2019

Just started using app. No issues so far. Chat feature customer service was pretty helpful with set up. It's saved my butt a couple times when Im low in funds.

7 of 10 people found this review helpful.
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Thursday, September 26, 2019

It was good for the interim but I would suggest not using the app. It does not work as they say it will and they do decrease your max limit for no reason. It is likely a scam or they are in deep right now financially possibly due to people not repaying. It sounds like the app is in trouble. Caution !

24 of 27 people found this review helpful.
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Wednesday, September 25, 2019

the worse app ever customer service trash asf they cant provideno help it's been two weeks since i can't log in

9 of 10 people found this review helpful.
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Wednesday, September 25, 2019

Do not use this app. Charged my bank account, overdrafted my bank account, charged a $40 fee from my bank on top of that. No customer service, website says to hit the question mark on the top right hand for iOS users to chat with someone. There is no question mark to hit. Waste of time, money and energy. Don’t bother, it’s just a glorified scam.

8 of 17 people found this review helpful.
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Wednesday, September 25, 2019

Company has ripped me off for 100 dollars

6 of 10 people found this review helpful.
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Tuesday, September 24, 2019

I'm not happy with them ... I did get advances a couple months ago... They keep telling me they don't have a copy of my pay I sent th 6 in 2 ways time...

7 of 8 people found this review helpful.
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Monday, September 23, 2019

would not let me sign in. customer service? no help

5 of 5 people found this review helpful.
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Friday, September 13, 2019

I tried to get an advance and they said i owed them money from February..I went back thru my bank statement and screenshot it and sent it to them..they took it out on the 8th of February and said i have not paid it back...Dont use these people they are rip offs, I would give them no stars this company is a joke..Stay away!!!

17 of 19 people found this review helpful.
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Friday, September 13, 2019

Its a great app when it works. recently a lot of people are experiencing issues with their banks connecting myself included. When I can't can't with someone they say they will pass it on but that never happens. Come payday they have no problem connecting to withdraw what i owe.

28 of 31 people found this review helpful.
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Tuesday, September 10, 2019

I had connection issues with my bank but earnin customer support fixed it and helped me get connected and cashed out within a day! I highly recommend Earnin. I always tip because I'm beyond grateful for their services. So hopefully my amount will increase with my next paycheck. If not I don't mind I still love it. Thanks again earnin!!

12 of 17 people found this review helpful.
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Friday, September 6, 2019

I have had nothing but problems with this company. I rarely use it but when I have its been issue after issue. I have provided my info for my personal bank account. I have sent multiple screen shots of my pay stubs. I have sent multiple screen shots of my bank account after all that. I give the app permission to track my location at all times. THEN every time I was opening the app it was asking for more screen shots. I found out that my app needed to be deleted and reinstalled. I did that, I was able to cash out, hadnt used it in 6 months or so? Then what happens...they take the money back the day before I got paid, fortunately my husbands paycheck was in there to cover it. I chat with support, they ask me to send MORE screen shots to which I replied you have ENOUGH. I just told Marnelli, the agent I chatted with, who was VERY VERY UNHELPFUL to delete my account, I am so over it. I also asked for my "tip" back because their service wasnt performed correctly. Marnelli then deleted all the previous support messages, (I have screen shots). This company is a JOKE.

25 of 26 people found this review helpful.
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Friday, September 6, 2019

Will not connect to my bank I have emailed them over and over again and they will not fix it so I'm done with it I give it a rating of one and I went to another app called Dave's and it's been great

8 of 12 people found this review helpful.
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Thursday, September 5, 2019

Earning app honest review: Where to start? Earnin seems great but if you happen to cash out and then lose your job or are unable to pay the debits back they will aggressively charge your accounts like they did mine which added up to over 300 dollars in overdraft fees. When I tried to use the help chat the woman was rude and I had to wait a long time in between messages. Overall I DO NOT recommend this app.

16 of 20 people found this review helpful.
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Thursday, September 5, 2019

I have not had any issues with Earnin been using for about 2 months now, the only thing is I try not to get past $200 because of there daily max being only $100 which they should raise if you ask me but other then that I would rather do it this way then a payday advance.

11 of 11 people found this review helpful.
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Thursday, August 29, 2019

Verified Review

It was good for a year. However recently it started to decrease my maximum limit for apparently no reason

37 of 37 people found this review helpful.
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Monday, August 26, 2019

This app is ass! It's a trap and no help is ever offered!

19 of 23 people found this review helpful.
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Sunday, August 25, 2019

Verified Review

Earnin's app is great if you can afford to pay the tip each week. The max amount they allow changes from what they claim is a advanced formula and can't be overwritten...my max was $1,000 for months and I was paying 5% on top every pay period, as soon as I decided I wanted to start to lower it incrementally each pay period Earnin' was not happy. I tip 5% on each loan, over two weeks that is an excellent APR, almost usury. I had to ask for my max to be lowered to 950, then 900, then 850 then 800 as I would expect from the criteria that is given...so I am spending less in tips each pay period but the incremental change to my budget is only $50, affordable...then they decide my max should be $500...$300 lower in one pay period...how am I supposed to afford that with a tight budget constraint of $50? They say it can't be increased, like some magic AI robot controls everything, what a joke of customer service. The plus side, I will reach my $0 Earnin' app usage quicker since they lowered it so much, very excited to never rely on the app again!

13 of 14 people found this review helpful.
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Friday, August 23, 2019

Verified Review

I will never use this again, i got charged an overdraft fee, y'all was supposed to charge my debit card 8/23/19 not the 22nd, i need y'all to do y'all job the right way, now that's a breach is it not! Now i can't cash out until september 6, fix this now, so i can be able to cash out, or i would use a net spin card.

18 of 19 people found this review helpful.
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Monday, August 19, 2019

Earning pulled money out of my acct twice in one day and too early at that. I was charged a NSF fee twice so the money that was supposed to pay them had to go towards fees. Now the day before payday they pull from my account and it’s back to back NSF fees. It’s so annoying because I can’t change the dates of payment.

16 of 16 people found this review helpful.
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Thursday, August 15, 2019

I initially had issued connecting my bank which I was able to resolved but it took a day to do. Then I waited as they verified my account and then everything was hooked up. I read the reviews listed here and I can give them 5 stars based on the customer service alone. All my emails were responded to promptly, the questions answered and everything explained. I actually filled out a survey for the rep helping me because she literally took the time to explain everything and help with the account hook up. I haven't actually used the service because by the time everything was ready to go, my payday was the next day. I'd say from download to activation it took 2-3 days. You can email them screenshot of the deposits and debits for faster turn around.

6 of 10 people found this review helpful.
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Tuesday, August 6, 2019

Is not what advertised. And Made my account go negative making me have to pay a fee. deafeting the point

21 of 23 people found this review helpful.
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Tuesday, August 6, 2019

I like the concept of Earnin, and I've used it successfully a few times....BUT...it seems like every time I go to use it, there's some sort of complication and I have to contact customer service. They reply to me only about once a day, even when I respond to them immediately - so it's taken me a week so far to request money. Pretty soon I'm going to have either an overdraw or my payday will be here, so it's not helpful. Something like this happens ALL the time. You have to reconnect your bank (which isn't hard, but it takes time), then they have to verify your account, which takes longer, and this time I can't get in at all. Currently working with customer service.

16 of 17 people found this review helpful.
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Monday, August 5, 2019

So many problems with connecting to my bank. Keeps saying not correct password or id. Have changed password so many times I dont even know which one is right. I want to start over and get this right but dont think it is done this way because it keeps reverting back to my original info.

9 of 15 people found this review helpful.
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Sunday, August 4, 2019

Verified Review

Well I've been using earnin for over a year now and I've had nothing but good luck with them.
there's been some issues with my bank because my bank put in extra security but the earnin team was able to get around it so I was able to keep connecting with my bank.
they have consistently been helpful with any questions I've had their very responsive 24/7.
my only issue is this last pay. I was decreased $50 and I don't know why I've always paid everything seems to be okay
Overall I think it's been great it's relatively an inexpensive loan

12 of 16 people found this review helpful.
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Sunday, August 4, 2019

My account for earnin will not work becuz I can't link my bank account

9 of 10 people found this review helpful.
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Wednesday, July 31, 2019

I am pretty shocked with all the bad reviews. I never really had many issues working with earnin until now. My max is 500 and they always took the right amount backbone the correct day. Only recently have I had to reconnect my bank account which was just inconvenient. Now the app has been down for over a week. Not sure what is going on

14 of 18 people found this review helpful.
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Tuesday, July 30, 2019

I cannot get a Google account rep on the phone no matter how hard I try. Everything is automated and there is no option (as there is in Apple) to get to a live rep. I am so damned mad I could spit. I've wasted tons of time on this and I am giving up.

11 of 18 people found this review helpful.
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Monday, July 29, 2019

For all those who have been ripped off by earnin, or any other scam, file a complaint on the following website.
:https://www.ic3.gov/default.aspx. They may even be able to recover monies lost for you.

19 of 22 people found this review helpful.
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Saturday, July 27, 2019

Be aware of that Earnin calculates your hours using satellite gps. Most the time it doesn’t work ( maybe in certain areas) if you’re depending on maximum borrowing from them you might be disappointed because they sometimes don’t track your hours correctly. Out of 40 hours of work this week Earnin tracked 10. My opinion is that Brigit and Dave app is better because they solely go off of your bank statement

22 of 25 people found this review helpful.
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Monday, July 22, 2019

Canceled before verification process finished. Took WAY too long and after reading reviews decided it is not worth it. Customer Service thru chat was pleasant but 100% ineffectual and wasted my time. Biggest complaint in reviews is money being pulled early which is a HUGE red flag for those in need. User beware.
I changed my debit card, put a stop thru my bank and canceled because of reviews. Ugh.

17 of 17 people found this review helpful.
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Tuesday, July 16, 2019

I wanna use your app but u guys do not work with my bank account = CHIME plz fix this issue so i can use earnin

18 of 23 people found this review helpful.
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Monday, July 15, 2019

At first it seams convenient to be able to get money before your payday, but Earnin has consistently submitted for their payment from by bank before my payday causing my checking account to be overdrawn. Most recently they submitted for payment on a Saturday, overdrawing my account and leaving me with no money for even basics over the weekend when my payday is Monday. I canceled my account and feel what they have done is unethical. Their customer service was highly trained to talk in circles. What a disappointment!

40 of 41 people found this review helpful.
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Monday, July 15, 2019

The are horrible they never register your earnings right and never give you more then 100 bucks for the month you can get more going to the corner store pay day loan shop they have robots that handle customer service and repeat the same responses over and over there’s no customer service I would never ever use this or recommend it it’s horrible

17 of 19 people found this review helpful.
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Friday, July 5, 2019

My acct is overdrawn because they withdrew the borrowed amount a day early (today) instead of tomorrow. And like the other borrows that this happened to, they said it was the banks fault. I wonder if it has anything to do with the issues that they said they resolved this week.

27 of 27 people found this review helpful.
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Thursday, July 4, 2019

This has been the worst experience that I have ever had with a company. The CEO must be living in a dream if he thinks what he's advertising is good business. Your agents are clueless. Your engineers are slow. Your site is always breaking down and as a result we the consumer have to be inconvenienced. You really should have have gotten your house inorder before you started letting people in. This is obviously the result of cutting corners. This is what happens when you're no longer involved and the people who work for you have it all and now your consumers are left standing here, but we're going to need you to say something Boss man! If I could give Earnin a negative 5 stars I would.

30 of 33 people found this review helpful.
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Thursday, July 4, 2019

I have been using this app for sometime now and having no issues at all until today I wake up to a neg balance because they pulled the money out early claiming its a holiday. Friday is when I get paid and that is not a holiday. they will not say its their fault it's my banks fault. I have been talking to them for over an hour and nothing is being done so I'm looking over everyones reviews and seeing if this is happening to them. I was to get the money pulled out of my account on friday July 5. but they pulled the money out July 4 and telling me that my bank did this. which I know is bull shit. The app screwed up and will not admit it. So how many more people did they screw?

36 of 36 people found this review helpful.
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Thursday, July 4, 2019

DO NOT USE EARNIN! The registration process was fast and easy, and in no time, I was able to borrow. After about a month or so, I received a notification from my banking institution (Navy Federal), and apparently some CROOK signed into my online account and applied for five personal loans. NF flagged my account and changed my account number. I also learned that NF is not affiliated with Earnin! EARNIN IS A SCAM and their employees are robbers! Stay broke until payday!

30 of 33 people found this review helpful.
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Thursday, July 4, 2019

This app set u up for failure they take your money but can’t connect with your account and increase u soo fast till the pointe u get suck given them all your money ppl stay way from this app not worth it at all!!!

22 of 25 people found this review helpful.
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Thursday, July 4, 2019

They overdrafts took what I had now I am without gas I'm done with loans

15 of 15 people found this review helpful.
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Monday, July 1, 2019

I have uploaded my timesheet 2 times and still nothing. I don't know what happened but earnin is not letting me cash out anymore.

16 of 18 people found this review helpful.
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Monday, July 1, 2019

Absolutely terrible couldn’t even finish setting up my account because they claim my company is based on paper stubs and r not paperless which is completely false didn’t even ask for my bank info at all and just based it off my paystub I screenshot To them don’t waste your time

9 of 11 people found this review helpful.
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Monday, July 1, 2019

Wanted to sign up cause I wanted the help; however;Why would you need my sign in credentials to my account when all you need is routing and account number bank info? Uncomfortable. Saw this. Changed my mind

30 of 33 people found this review helpful.
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Thursday, June 27, 2019

DO NOT under any circumstances download this app or try and use this service! I did 2 days ago and since then have had my checking account compromised and someone make hundreds of dollars in fraudulent charges and transactions

36 of 39 people found this review helpful.
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Thursday, June 27, 2019

If could I would give them a -5. They pull money out of your account when they are not supposed. They suck the end. Need I say more

16 of 17 people found this review helpful.
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Tuesday, June 25, 2019

Everything was great until about two weeks ago.. my earnings don’t show, and when they do they are calculating about a 1/4 of what they were , my work address mysteriously changed, they keep lowering the amount of money I can borrow and I am lied to by the support team. It was a great idea but clearly something is going on. I’ve had perfect payment history and no issues.

25 of 26 people found this review helpful.
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Tuesday, June 25, 2019

At first I thought this was a great company to do business with, however they seem to dictate if they want to increase or decrease your amount allowed. Makes no sense if they receive payment faithfully. They are crooks

22 of 23 people found this review helpful.
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Monday, June 24, 2019

I see a lot of us are having the same issue recently. It won’t update the balance on my account. I spoke with customer service, whom explained they use a third party to connect with my bank account to get updates. I’ve provided endless screenshots, which in the past has helped with having things updated. I’m not sure if they’re having issues and choosing not to advise customers... because I spoke with my bank and they advised that updates have been sent. I think Earnin is having issues and instead of advising customers, they’re blaming the third party and customers banks for not sending and update. Which is completely untrue. In the months I’ve used this app I’ve never had this issue until now. As someone that has recommended the app to others, I must say I’m very disappointed.

32 of 33 people found this review helpful.
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Saturday, June 22, 2019

Was satisfied until today. 100 has not posted my app has not updated in 2 days. Every time I reach out to customer service I get a different response This let's me know they're not being truthful. Why cant people just be HONEST. ????

13 of 15 people found this review helpful.
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Saturday, June 22, 2019

You guys say anyone can use this, lol what a joke i change sites a lot being a carpenter for a company and they dont do time slips either

5 of 10 people found this review helpful.
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Saturday, June 22, 2019

It want let me connect my online banking no more and I chat with y’all why I was at bank my bank said nothing wrong with my online banking it work it the app and chat team told me to give it 24 hours and log back in it still not working

7 of 8 people found this review helpful.
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Thursday, June 20, 2019

Never had a problem until now. My bank balance is not updating so i can take a loan. I've sent screen shots. Nothing. Spoke with customer service several times and they were no help. Thinking about closing my account with them.

17 of 18 people found this review helpful.
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Thursday, June 20, 2019

So I'm having the Same Issues as the 1 Star Folks ...The Asking me to Reconnect TO My Bank , all Is Well with My Bank . I m a Little nervous you all are going through some difficulties ,and would Like some transparency please?

9 of 10 people found this review helpful.
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Wednesday, June 19, 2019

Do not use this app !!! I just set it up . It said takes 3 days to verify .. I check it today I have never used the app yet . They have done 5 transactions off my account! And over drafted me ?? Why are they taking money I’ve never even used it !!! I tried talking to customer service .. he was no help at all I took screen shots . He told me to just go ahead an end the chat cause he want a specialist and can’t tell me what’s going on !!! I said to then connect me to someone who can ! Sense you clearly cannot tell me why there is activity on my account .. his reply word for word..
“Because you registered on the app that’s why !! :)” and ended the chat ...
that was it . So they took money . I never cashed no out even once . This is a scam DO NOT give them your information!!!!!

25 of 26 people found this review helpful.
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Wednesday, June 12, 2019

It worked fine for a few months until I switched jobs. I tried sending a screenshot for a cashout from my last job's paycheck, and they kept telling me the screenshot was denied because I had been paid a day earlier since I was leaving the job. I tried to explain this to customer service, and they were no help. They had already taken 150 dollars out of my paycheck. I put in my new work info the next week, and I still had not received the 150 dollars back from my last paycheck. They said they couldn't send it to me until they had a pay stub from my new employer because apparently my account was automatically inactive without my new pay stubs. The cash out process was always a hit or miss because it constantly couldn't connect to my bank, and I would sometimes have to wait days, even though they said it would be immediate. Don't waste your time. Customer service is unhelpful. All they do is take your money, and make it hard to get it back when you need it. I deleted my account, and have no plans on going back.

23 of 23 people found this review helpful.
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Thursday, June 6, 2019

I have not even had any problems as I been in good with them2 months now I’m very satisfied so far with there services

12 of 24 people found this review helpful.
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Monday, June 3, 2019

Great Service, really comes in handy for those tough weeks.

11 of 18 people found this review helpful.
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Wednesday, May 29, 2019

This app was working just fine then they did an update and made changes and now it won't connect to my bank. My bank has told me SEVERAL times that there is nothing wrong and I should be able to connect just fine. Just another example of people always trying to fix what isn't broken.

25 of 27 people found this review helpful.
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Sunday, May 26, 2019

TERRIBLE! Before I could even get a chance to borrow money, they would ncorrectly submitted a preauthorization. Which resulted in 36 returned item fee and 36 overdraft fee. Been chatting all day with no results. Wouldn’t even give this app 1 star if possible. SCAM !!!

30 of 33 people found this review helpful.
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Wednesday, May 22, 2019

Put my information in maybe two days ago . It told me I needed to send my check stubs in . I never got a chance to even finish all the steps to even borrow any money. Now my account is overdrafted for 31 dollars.

21 of 24 people found this review helpful.
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Tuesday, May 21, 2019

The app was golden and on May 5th I received 8 emails advising me they're unable to connect to my bank. This has been a continuous issue. For a month before that every time I wanted to use the application I had to send screenshots.

16 of 17 people found this review helpful.
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Monday, May 20, 2019

Started out ok.
But the last 3 weeks keep getting an error code and never let's my bank connect.
I'm convinced they have no more money, but support keeps trying to tell me it's my account.
THESE PPL ARE A JOKE!!!
DON'T WASTE YOUR TIME

22 of 26 people found this review helpful.
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Monday, May 20, 2019

I’ve never been able to use the bank because they claim they can’t use the bank I use. They said they have issues depositing and withdrawing the money from Bancorp. But I used another app Dave and they never had a problem taking the money out. So I just find it to be funny they have issues with chime. I don’t think you should stop all banks under on bank just because one card gave you issues. That’s just my opinion.

16 of 19 people found this review helpful.
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Monday, May 20, 2019

Great app love it

6 of 16 people found this review helpful.
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Monday, May 20, 2019

Was using the app just fine for a few months no issues. Then it said I had to reconnect to my bank, did that nothing. Customer support fixed the issue, couple days later same issue. It's been about 3 weeks and they keep saying they are looking into it and will get back to me. Very disappointing.

16 of 18 people found this review helpful.
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Thursday, May 16, 2019

Horrible horrible. I’ve dealt with the same issue for over three weeks and they tell me the same thing that it’s foxed and never is. Customer service does not care what the real problem is they just tell you it’ll be fixed but never do. Clearly there are other negative reviews claiming the same thing. All they ask for is more info, more screen shots then blame you that it’s something you forgot. Never o. Their end. DO NOT USE THIS APP!!! I am also going on google, yelp and any other one I can think of to deter people from using this app.

29 of 34 people found this review helpful.
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Wednesday, May 15, 2019

Earning is great and a better alternative to payday loans. You payback what you borrow and tip what you think is fair. For example this week I plan to borrow $250.00. On my next payday they will deduct the $250 plus what ever I decided to tip. I usually go with their suggestion. I love the Earning app. Once they verified everything (usually takes 2 days) you can start. I have never had any issues.

10 of 24 people found this review helpful.
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Tuesday, May 7, 2019

How did I previously receive an advance from this app without ever using a timesheet? Only my bank info verification....but yet have paid it back and having trouble with getting a new one??

10 of 13 people found this review helpful.
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Thursday, May 2, 2019

Terrible

13 of 19 people found this review helpful.
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Thursday, April 25, 2019

Do not use !!!!! If your company does not use a certain time sheet they claim that they can measure your time at work through location services via phone but that in reality does not work. Customer support is unhelpful and clueless on how to resolve all they did was send the exact instructions on how to get started. Do not use this app!!!!

24 of 30 people found this review helpful.
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Thursday, April 25, 2019

I use to like this app, but the last two times they have decreased my pay period max for no reason. I pay it always on time, I make 5 times that amount everytwo weeks and all they tell me is the system figures it out. Yeah right goodbye Earnin Scam.

19 of 21 people found this review helpful.
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Wednesday, April 24, 2019

They wanted all my banking info and it was clear they did in fact connect to my account as they referenced specific info but aside from gaining access for themselves they claimed an error prevented me from using their services because they couldn't access my banking account...then made reference to specific info in my banking account. So now I've had to change all my info. I wouldn't bother- they seem to have issues and gaining access to accounts but pretending they haven't is always a shady idea.

22 of 25 people found this review helpful.
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Tuesday, April 16, 2019

Earnin has taken money from my account a day early on 3 separate occasions. It has resulted in a total of $96 in overdraft fees. I reached out to customer support, and was told that my concern was being forwarded to a supervisor and that I would receive an email. This was after I was basically told I was lying about when I'm paid, and had to submit numerous documents that they should already have on file. I was never contacted by any supervisor, but I let it go. I contacted earnin a second time when I saw that my next payment was scheduled to come out early again. The person I spoke to said they resolved the issue and it would come out on the correct date this time. The money came out early AGAIN, and was taken out in two separate payments, so I received 2 more overdraft fees.
When I contacted them, I was again told that they couldn't help me, and that it was being "forwarded." Someone finally contacted me today, and they had no idea what my issue even was, but they closed my ticket because it was "resolved" Overall, I'd be careful using this app. I downloaded it because I thought it would be helpful for this particular month, but I've found that I would have been better off with a payday loan.

30 of 33 people found this review helpful.
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Tuesday, April 16, 2019

The first time I used Earnin was a horrible experience. They did not follow the pay dates I gave them and took their money out on the wrong day causing the transactions to get me overdraft fees not only for their withdrawal but two other transactions. When I contacted support they have been little help . They said they escalated to their overdraft department for their mistake but I have not received an email or resolution in 3 days . They are fast to take our money but not fix a mistake they made in a timely manner . All they can say is they fixed the account going forward to pull on the right day . Why would I use the service again if this is the support we receive when they mess up .

23 of 23 people found this review helpful.
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Monday, April 15, 2019

I wish there were negative stars. RUN RUN RUN ?? away from this company. They are fraudulent. Will take money from your account when they're not supposed to. DO NOT GIVE THEM ACCESS TO YOUR INFORMATION. YOU WILL REGRET IT.

28 of 30 people found this review helpful.
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Monday, April 15, 2019

Overall app does not work and concept of company does not work

10 of 12 people found this review helpful.
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Monday, April 15, 2019

DO NOT EVER USE! They took money out of my account 3 days early. Left me with a HUGE negative balance and overdraft fees.

17 of 17 people found this review helpful.
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Monday, April 15, 2019

Do not, do not, do not use this app. Earnin is supposed to withdraw the money after you get your paycheck, but often, they will not wait, causing your account to become overdraft. This is what happened to me. After contacting Earnin, they tried to tell me it was my fault and refused to reimburse me. Terrible customer service.

16 of 17 people found this review helpful.
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Monday, April 8, 2019

This is so good amzing I can't believe it, its working

9 of 26 people found this review helpful.
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Monday, April 8, 2019

Was great for about a month. I borrowed sometime always tipped no worries now it's saying waiting for my bank to update info. I can no longer use the app. I will give the one more week then I am deleting my account there are other things out there just like earning and you don't have to tip......your loss earnin

19 of 19 people found this review helpful.
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Saturday, April 6, 2019

This app is all fun and games until you realize it OVERDRAFTS YOUR ACCOUNT!! I do NOT recommend this app. DO NOT GET IT!!!

18 of 22 people found this review helpful.
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Monday, April 1, 2019

This concept is GREAT!! And when I first started using the app I had no issues. Then as soon as 2019 started I began having all sorts of problems. EARNIN HAS STOLE MONEY FROM ME. DO NOT UES THIS APP!! First let me state I've never borrowed more than 100 dollars from Earnin at one time. For the past month earnin has withdrawn 100 dollars every other week from my account without me asking to lend or even using the overdraft protection. When I contacted an earnin rep about this issue the first time I kept getting disconnected. And after you get disconnected you have to speak to a whole different person when you get connected again so I had to explain my situation multiple times. They all asked from screen shots from my bank account which I provided. NOBODY was able to tell me why this was happening and NOBODY was able to put me in touch with a supervisor no matter how many times I asked. All they would say is that "they understand my frustration and they are working on a solution". This app and its representatives are a joke. This company is actually stealing money from me and the representatives have no idea what to do. They have no knowledge of how earnin works therefore they cannot answer any serious questions and refuse to pass anything up any higher. So far I'm out 200 dollars with no end in sight. I'm still trying to work with their representatives to handle this because I would like to continue using the app if this can be fixed however if this persists I will not only take legal action but I will do everything in my power to ruin the reputation of this company.

65 of 69 people found this review helpful.
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Friday, March 29, 2019

For awhile I have been using Daemon and things were going great then there were problems here and there that were eventually fixed but I couldn't write reviews anymore and now all of a sudden my device isn't compatible anymore for my security?? Ok then. ??

12 of 15 people found this review helpful.
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Monday, March 25, 2019

This was one of my favorite apps. A couple of days ago my phone had some serious issues. I had to erase everything on my phone. I recovered almost all of my apps. When I tried to download the earning app. It said my phone was not compatible with your app. I have tried everything and nothing works. Any suggestions.

5 of 8 people found this review helpful.
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Monday, March 25, 2019

If I could give 0 stars, I would. Worked great in the beginning and I have been an avid user for around 5 months. All of the sudden they take $400 back that I owed, but did not take $100 add. That I owed. I believe the app did this on purpose so they could put my account on hold, take $400 out of my account and not allow me to borrow anymore. Spoke with multiple customer service and asked why add. $100 was not taken out and that it could be taken out. Everyone beat around the bush and would not answer my question, just kept stating the obvious that as soon as they took it, my account would no longer be on hold. Total scam. Go get a reliable pay day loan if you really need to before you use this crap app.

22 of 25 people found this review helpful.
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Thursday, March 21, 2019

Still won't connect to my bank. It told me my passcode was incorrect and to re enter it. I entered the same thing and then it said it was correct but there are no available accounts. But... There are...? The app also told me i was a loser and needed to learn how to budget on my own and not rely on some scammy app with "too good to be true" written all over it. Just kidding. But seriously, just like i need to budget, y'all need to fix this issue. If i need my $40 on a Tuesday so i can buy a cat tower, i want my $40 on Tuesday so my cat can play on her cat tower. Sorry, i thought this was America... Can we please go back to embracing laziness again? Some say its ruining hard work in our country. I can't disagree, but i could definitely get my cat that cat tower with an extra $40. I'll let you (Earnin) decide whether my cat gets her cat tower or not. This CANNOT wait till Friday. She needs to climb and scratch and i need to watch. Thank you in advance.

26 of 34 people found this review helpful.
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Monday, March 18, 2019

I was geeked when I first got the app and was approved. My first payout was $80 and I tipped 10%. They waited two days after I got paid to take their money out which was awesome because they took it into consideration to make sure my account had the funds. Now, I check it constantly to see if o can cash out any money until my neat check and I get paid every Tuesday and work constantly but it never shows my hours worked like I’m not working when I’m clearly working... how do they keep up with how much money is in my bank account and cannot see where the money is coming from. I told a lot of people to download and use this app but now I have to tell them it’s pointless as it is false advertisement.

14 of 15 people found this review helpful.
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Monday, March 18, 2019

5 months of zero issues then suddenly the app zeros out your earnings. had Earnings saved up to help with any bills that come up and now i cant even use the earnings i had been saving for months.

10 of 13 people found this review helpful.
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Friday, March 15, 2019

This app was great at first. Then all of a sudden my account was on hold and the same checking accouth that this app jad been using all along has shown up as pepaid or a savings account. Earnin could not resolve the issue after multiple frustrating attempts. Also customer support is awful

11 of 11 people found this review helpful.
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Friday, March 15, 2019

I used to like this app a lot... back when they were known as "active hours." I would rave it about to friends. It was super easy. You have to tip on each advance but it was cheaper than paying interest on a credit card. I really did like it... However, after a year or so it all went downhill horribly.
1. The app and my bank continuously disconnect from each other. That's actually been happening from the beginning, but it's now more difficult to get it fixed again. It takes longer and quite a few attempts. I already didn't feel comfortable giving my banking info. Having to re-enter it every few weeks didn't make me feel any better about it.
2. Poor service: You could always email them, but the people who use this app are usually in too much of a pinch to hurry up and wait for an email to be returned with troubleshooting instructions.
They did recently come out with a chat feature, but the reps appear clueless, and use mostly auto responses assuming your problem is just like everyone else.
3. Location services: For example, they have this new feature where they track your location to track your work hours. The idea behind it is that they will know when you're working by watching you come and go from work. The rep assumed that I must have entered my work address wrong. She asked me for my home address, and my work address, and then home address again. They obviously didn't consider folks such as myself who work remotely. My work and my home are the same place, and I told her that from the beginning. She asked me at least 3 times until I think it finally registered that they are one in the same. Her instruction was to just shut the location services off after 11 hours every day. For an app I use maybe 1-2 x a month if any... that's a bit much. It used to be that you could just take a picture of your time sheet and you had an advance in your account within an hour. Now they want to watch where you're going?
4. Invasive: In order to use their "lightning speed" feature where money is in your account nearly instant, you must now give them your debit card number on top of the fact that they already have your routing and account #. Why in the world would that be necessary? That would mean that they have my workplace info, my debit card, my bank account info and my location at all times. That's just scary and wholly unnecessary. It makes me lose all trust in an app I've been using for a long time now.
So today I opened the app for the last time. It said it can't connect to my bank and wants me to enter my banking info again, and reminded me to give them my debit card # too. That's enough for me. I'd rather use my credit cards.

18 of 20 people found this review helpful.
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Wednesday, March 13, 2019

Same issue with bank connection app was just fine at first but now I’m worried. probably will never use this app again.

10 of 11 people found this review helpful.
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Monday, March 11, 2019

Works great until it doesn't. Unfortunately, huge problems arise when it finally doesn't do what it's supposed to do. They'll try to put the blame on the customer. Like, the representative tried to blame me for not having my gps on to track my work hours. Except, my gps has remained on for the entire time. When that didn't work, they said that earnin "only works if the user does NOT leave the building where their work address is housed." Except, I have traveled all over Los Angeles daily for the last three years and the earnin app tracked my hours just fine. I used earnin a lot because of a recent medical issue. I tipped $9.00 each and every time I used it. The amounts and frequency with which I borrowed adds up to a nice chunk of change for these people. And now, suddenly, with no warning, they "can't track my work hours because I'm not glued to my desk every day." I had the ridiculous chat sent to my email, so I can show you if you'd like! (It's extremely long and repetitive which is why I don't just post it now.)

8 of 9 people found this review helpful.
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Monday, March 11, 2019

Same complaint as alot of other people on here. Worked great for awhile now the last couple days it won’t connect to my account. Gives me 3 options sign on thru my bank app which work, sign on thru earnin which does not work and change bank which does not work. I don’t have capital one but have the same problem. Customer service is really no help says log on my bank with a laptop or desktop and clear alerts and pop ups which there is none. Been a couple days and still nothin. I’ll gladly raise my stars if fixed but for now I guess no earnin.

9 of 10 people found this review helpful.
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Tuesday, March 5, 2019

Signing up with Earnin has been nothing but a huge hassle and inconvenience in my life. It’s messed with my bank account so much and it’s actually locked me out of my actual bank account permanently and was forced to open a new one because this one was so screwed. I hate earnin so much and I’m so upset with myself for giving into this SCAM!!!

11 of 12 people found this review helpful.
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Tuesday, March 5, 2019

The idea of Earnin is great. But when they withdraw funds from your bank account almost two weeks BEFORE your payday, they are not so great. Customer Service is a joke! Only available through the chat option on the app, and nobody knows what's going on. I believe the chat reps are overseas, and just paste and copy formatted responses. At least they finally reimbursed me the overdraft fees they caused, but that took a fight.

7 of 8 people found this review helpful.
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Tuesday, March 5, 2019

Been using this app for some months now with no issues but suddenly won’t connect to my bank *Capital one* frustrating cause I really like the App ... please Fix this earnin!

6 of 6 people found this review helpful.
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Tuesday, March 5, 2019

Capital one connection has been down for a week and they said they were still working on it. A WEEK??? You took money out of my account but miraculously couldn't connect so I could cash out at all. This is ridiculous and needs to be resolved before earnin loses all of their capital one customers.

8 of 8 people found this review helpful.
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Tuesday, March 5, 2019

I haven't had this app for about a month. I was able to cash out a couple of times with no issue. Well now I too am getting the can't connect with your bank issue. I emailed Earnin and get an overall explanation of "well it's a third party connection issue, we should have it up and running/fixed shortly" well it is going on 2 weeks later and still the same "thanks for your patience we are still dealing" talk. No explanation of we will or won't be using Cap One again. Give your customers something besides the run around and I will gladly give 5 stars because when it works it is GREAT!

6 of 7 people found this review helpful.
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Monday, March 4, 2019

In the beginning, worked flawlessly. But after they get you lured in, they instantly can’t connect to your bank so you can not cash out. Yet, they can withdraw funds from you account. So frustrated.

12 of 12 people found this review helpful.
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Monday, March 4, 2019

Was anybody issues resolved I’m having the same issue this happened before and I waited the day and it fixed itself but this time it’s been a day and this is making it really inconvenient after they do resolve the issue if they due I advise everybody who uses this app to use it only for emergencies if it is needed but besides that I will never use this app again

4 of 4 people found this review helpful.
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Monday, March 4, 2019

I've been using Earnin for a couple months now it would come in great when certain bills was due no fee's only tip amount which helps out other users. GREAT!
BUT
Recently the app hasn't been able to connect to ANY Capital one sites, I reached out to help/support and was told it wasn't my issue and that they was working to fix the problem we should hear from someone shortly when the problem is fixed...well its going on week 2 and still no resolve.
This is App is now obsolete, waste of time, and still that stupid message is on the main screen once I sign in.

7 of 7 people found this review helpful.
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Monday, March 4, 2019

I love this service and it's a lifesaver sometimes. However, I am having the same issue with them not being able to connect to my bank for days and upon inquiry, being told that it's an issue with communication with capital one and they are working on it. There seems to be no resolution and not even a real response. Other than this, it has been seamless.

3 of 6 people found this review helpful.
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Friday, March 1, 2019

Was GREAT until they started having an issue with Connecting to the Bank, when it was fine before. It’s been 2 days now and no resolve.

11 of 11 people found this review helpful.
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Friday, March 1, 2019

Earning worked better when they were going by “Active Hours”. Now it’s gone to Shit, with Soooo Many Issues not connecting to bank, when NOTHING CHANGED. It’s BEST not to get involved At All!

13 of 13 people found this review helpful.
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Friday, March 1, 2019

4 days and still no connection to capital one or capital one 360. No real explanation except they’re fixing it.

12 of 12 people found this review helpful.
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Friday, March 1, 2019

Do not trust this app, few weeks in and they will take what you owe but will cancel your bank account with them after a few paychecks. for the last 5 paychecks I had to email them to cashout and now the 6th week they tell me they cant get into my account to access ...after they ust withdraw from it the same day smh...huge scam after a few cahsouts, take your deposit and don't go with this app at all.

5 of 5 people found this review helpful.
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Friday, March 1, 2019

The site is asking me to update bank info but my bank info is the same. It's been like this for almost a week now. But that didn't stop then from taking the money out my account.

8 of 10 people found this review helpful.
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Thursday, February 28, 2019

Basically the same as all the other 1 star reviews, started out awesome and then resulted in problems. I was able to cash out perfectly fine for months, until one point it randomly asked me to update my bank info (mind you this made me late to work since I regularly take Uber/Lyft and I wasn’t able to cash out to get a ride to work). It updated at some point during my shift (they say it takes around an hour) and I was able to cash out for a ride home. A week and a half later, and it asks to update my bank info again, only now it’s been well over 24 hours with no fix. Nothing has changed with my bank or account at all. Just uninstall this app and budget your money out instead, because it’s not worth it. That’s what I plan to do. All this app sets you up for is failure.

7 of 7 people found this review helpful.
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Sunday, February 17, 2019

Be aware of this site it is just a wack loan in all reality and customer service is absolute shat I will never recommend anyone to use this app

9 of 10 people found this review helpful.
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Sunday, February 17, 2019

I have been using this site for quiet some time and never ever had an issue. NOW! i woke up this morning to the app saying it cannot connect to my bank. which is weird since nothing with my bank login has changed. so there is 3 options go to bank site, connect to bank and change bank. I went to the banking site connected succesfully! then when trying to connect through the app it said incorrect username or password! how so? i just logged on through the site on my online banking with the same information! Well I spoke with a lady on the online chat she was super nice but not able to help at all said she will send it to a team of specialist . Well, how long is that going to take? And on top of it ... Im sure when payday comes they will be able to credit my account so howcome i wont be able to cash out if they are able to credit my account. that makes no sense. as of right now im going to give them 3 stars and if this problem is fixed in a timely manner i will give them 5 stars because other than this unfortunate problem they've been pretty good to me. I'm just keeping my fingers crossed. This has been good for me being a single mother making 10 an hr!

15 of 15 people found this review helpful.
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Sunday, February 17, 2019

Wow. Call the wambulance. I’ve used this a couple times over the last 6 months with no issues. Tip system is great.

But seriously, and although I think it’s a great service, don’t rely on a $100-$500 loan week to week. So many reviews here seem to be out of desperation. It’s not a crutch, it’s a life boat.

9 of 18 people found this review helpful.
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Sunday, February 17, 2019

They draft your payments before your paydate even if they have it verified that you get paid on a specific date they still draft early. I get paid on the 15th and they had this as my paydate on their app they still drafted early. Getting a hold of them to fix an issue is a NIGHTMARE

3 of 4 people found this review helpful.
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Monday, February 11, 2019

I told Earnin I get paid on Friday and they insisted my company pays the previous day. Sure enough they debited by account the day before pay day which of course there are NO funds. Earnin promised to pay the fees they caused me but they aren't and they are not answering my emails or messages.

9 of 13 people found this review helpful.
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Monday, February 11, 2019

HORRIBLE HORRIBLE HORRIBLE app. Kind of makes me think of that one documentary on Netflix for the Frye Festival. This app is a joke. The minute you get it finally connected, you get to cash out maybe 3xs before your whole account fails. You won’t be able to connect your bank what’s so ever. I’ve contacted support countless of times and they send me a scripted message back that will not solve your issue. The second avenue they tell you to do it wait 3 hours before connecting your bank. To get the chat to end and move on never solving your issue. After the 3 hours, it won’t work and your stuck in the chat queue of 40 people again.

Choose another avenue to help you in your troubled times. This app will not.

15 of 18 people found this review helpful.
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Monday, February 11, 2019

No stars.

Im still trying to get help with my account.

I am on day two with no assistance from Earnin.

They deducted money from my checking account on the wrong day. I was told by their customer representative that oops our system changed your payday from the 15th and last day of the month.

So now my bank account it's in the negative and I have been hit with a three $34 overdraft fee for each deduction so $102.00 in overdraft fees.

I have no money because of an Earnin.

13 of 13 people found this review helpful.
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Wednesday, February 6, 2019

I previously wrote a review giving one star. I would like to revise my review. The issue has been corrected and money was credited to my account. That was the only issue I had with earnin and it's been fixed. This is an amazing service. Has been so helpful. Does exactly what they say it does. Loans you cash between checks, no strings or hidden fees! Only asks for a tip..... That is more than fair. Thank you earnin! I will definitely be recommending to anyone who will listen!!????

5 of 16 people found this review helpful.
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Monday, January 28, 2019

Earnin has been great it allows you to access some of your paycheck before your pay day. Unfortunately my bank released a new app for online banking and earnin temporarily lost connection with my bank but while there working on it I decided to write a review they never take more money then you borrow plus the tip on witch you decide what is fair to tip them great app for when you need cash between paychecks

5 of 9 people found this review helpful.
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Monday, January 28, 2019

2 times great but on the 3rd time which is today didn't tip they got my money but I haven't got my 3rd request

6 of 8 people found this review helpful.
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Monday, January 28, 2019

I used earnin a few times but all the sudden within hours it I can’t connect to my bank account. I contacted customer service many times resolve the issue but they had to forward it to specialist which would take days or weeks to get a response! I can’t even do anything with the app. Except for to reconnect. I can’t even go my settings and edit my banking information.

9 of 10 people found this review helpful.
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Friday, January 25, 2019

I’ve tried their app over a month ago for some reason it keeps saying my routing number and bank are in use, I’ve deleted the app re-entered it deleted it and re-entered it over and over again every time I contact and they say OK will get back with you in a day when they get back with me that asked me what my email is L address is an a problem but they never fix it I tell him again the answer is they will get back with you in a day they don’t really care if he is there app or not I’m just really frustrated I think I’m gonna go somewhere else don’t use their app it’s not worth it

9 of 10 people found this review helpful.
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Wednesday, January 23, 2019

Do not do it! Protect yourself!!!! I was happy with this app until.....This app has access to your bank information. Someone hacked into this and got my information now am fighting a $1400 frivolous charge that was taken through my account/routing number.

37 of 37 people found this review helpful.
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Friday, January 18, 2019

Verified Review

Please close my account. Initially my experience was was pleasant but it has taken a turn for the worst. I have repeatedly for a week now tried to get in my account and can not. I have done what they me to do as far as trying to connect with my bank and on Earnin end there is a problem. No one will help me. I can't chat with anyone now either it is a mess. I needed your assistance but I can't make any requests. I would not recommend this service to anyone.

26 of 26 people found this review helpful.
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Thursday, January 17, 2019

Be careful. They take the funds out a day early and if the funds are not there they charge you $25.00 fee. And even if the bank covers it, they still charge the fee. I was on line with them from an hour trying to get my money back and they want my paystubs and screen shots of my account before they would consider refunding the charge. So be careful when using them and giving out your bank information.

24 of 24 people found this review helpful.
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Tuesday, January 15, 2019

I was using earnin for several months never had an issue then all of a sudden the app said it can’t connect to my bank it keeps saying that it’s having bank connectivity issues but come pay dat they are quick to take their money.... I tried to create a completely different account and still having issues connecting to my bank.
I recieved 1 email saying I had to change banks in the app I tried several times it’s really not worth the hassel.
The tipping system is a joke I barely tip anymore because if I’m getting money early from my own check what makes you think I can afford extra for a tip? I’m all set with the app don’t download it budget better and plan ahead!
I’m never downloading this app again it’s a waste of space as far as I’m concerned!

23 of 23 people found this review helpful.
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Tuesday, January 15, 2019

Wow!! I thought this was a great idea, until 2 weeks ago. I had requested 100.00 and tipped 3. That request was made about 11pm. They deposited the money , and 4 hours later redrew it. Their app stated that the money would be be withdrawn two weeks following, like usual. The problem is not that they withdrew the money two weeks before they should have. The problem is that they did not credit me for the withdrawal, and still showed I owed 103.00. I submitted screen shots of both my bank statement, and the information off their site as shown on my cell phone. I too had to wait for a response, only to ask for what I already provided. I had Julian as my rep, he thanked me for my patience. Told me there was a team of people assigned to make sure this was resolved. I knew that if it wasn't, I would NOT continue to allow access to my account. I received another email stating they considered the matter closed, and would communicate via chat from this point on, for my convenience. When I went to look for the chat, it was no where to be found. Please keep in mind that this went on for two solid weeks. By the time the Friday of monies being withdrawn came, I received another email asking, yet again, for the information I had already provided. I went to the bank. When they pulled my records, it showed that Earnin had accessed my account 4 times a day, every day. They also found several internal transfers. Meaning that the bank had been tricked into thinking I had another account and had been making inner bank transfers. That also meant I had no way of proving that I was over charged. My bank advised me to close the account down immediately, I requested an address or web site to pay back the true amount I owe. I was told that I had to link the bank account again. I have removed the app from my phone, closed my bank account down, and locked any internet/phone transactions down until further notice. I am not sure if this is a scam that eventually gets you, OR, if it's a program that has too many users. A small idea turned a bit bigger than they thought, and it became more than they could handle.?? No STARS, in fact -10000000!!! Very disappointed.

36 of 37 people found this review helpful.
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Wednesday, January 9, 2019

When I first started using this app it was great customer service was great. Then my bank updated it online banking link but the app uses the old version customer now suck they won’t respond are investigate the information I gave them you can’t call and they won’t respond that’s my experience

19 of 19 people found this review helpful.
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Wednesday, January 2, 2019

I TRIED TO VERIFY MY LINKEDIN but the system is not working here. I used Earnin and had $150 loan and paid back. I did this for one week. I thought it was absolutely odd to BEG people for a TIP. Anyway the girl Erica at Earnin told me that they could not advanced me back because her GPS showed me in different locations which was NEVER a problem for the PAST MONTH. I provided a paystub and this DUMB GIRL ERICA tells me that they do not use pay stubs or bank verification like that. This company relies on your GPS location at all times!!!! They stalk their customers!!!DO NOT USE them!!!

26 of 28 people found this review helpful.
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Wednesday, January 2, 2019

Nope. Like everyone else, it was dandy for a while. Suddenly, immediately after they took all the money I owed them from the previous loan, I can no longer reconnect my bank. They always got all their money back from me PLUS I tipped the full amount every time I borrowed. I find it strange that they could connect just fine when taking money, and I suddenly can't connect in order to borrow. Their loss. They advertise that the max is some low amount, but I borrowed $1,000 each time. They made a nice chunk from my full tips but that was then and this is now. The worst part is that I emailed them only to get a reply saying, "We're now only doing customer service through our in-app chat, so we're marking this issue as 'resolved.'" Mark it as "ignored," "undealt with," or "we don't give a shit about you." Anything but "resolved" because no one even bothered to look at it. It's very much unresolved.

38 of 38 people found this review helpful.
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Friday, December 28, 2018

This app was working and then suddenly they came up with this BS that my direct deposit is lower then allowed and I only make 4 an hr. I tried to contact them they kept saying there was a change. Then when I tried to close the account the link was broken and the service chat wont respond anymore.

24 of 24 people found this review helpful.
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Friday, December 21, 2018

It's great when it works. Unfortunately you can't depend on the app. Just went to cash out. Really need some extra cash tomorrow. App once again hasn't been picking up my work hours. Therefore no cash out option. Been to work everyday this week. It's always some issue. Either the app is not picking up work hours, or they claim they can't communicate with my bank after providing account info multiple times since downloading. Very frustrating when you need quick cash and think its covered only to log in and find out the app isn't working, and you can't cash out AGAIN!!!

30 of 30 people found this review helpful.
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Tuesday, December 18, 2018

Everything went well for the first month and then the same old crap everyone else seems to have happened. Bank connectivity issues. Emailed several times one response and it was bs. Tried many other times and no response. Over $400 taken out and now I really need another advance and no help. This app doesn't help, it just puts you in worse situations when you need them the most. A civil lawsuit needs to happen for false info on their website. Just a scam. Please do not download this app

41 of 43 people found this review helpful.
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Friday, December 14, 2018

I started this app on Monday 12/10 I cashed out a 100 dollars. Been going to work all week and my earnings went up to 310 by Thursday. Check an 100 later on Thursday and my earnings dropped to 0. My next cash out day was the 14th and they switched it to the 28??????? Trying to figure out why. I dm message them and even got tickets no one responded and my tickets was deleted. When they get there money out this Friday the 14th I will be deleting the app. Every time I opened the app to try to contact customer service it says failed to reload comments this is sad sad ????????????????

29 of 30 people found this review helpful.
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Friday, December 14, 2018

I’m so glad I read all of the reviews before creating an account and downloading the app. THANK you! It sounds like a big mess of headache and unnecessary fees ;(. I hope all of you get your funds back!

42 of 46 people found this review helpful.
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Monday, December 10, 2018

Now a third person writes and said that they need proof that when they took the money out before my pay date that this was the reason why I overdraft. Obviously they don’t understand that they said they would take a payment on my pay date and then took it two out two days prior to my pay date. Will turn them in to BBB

29 of 29 people found this review helpful.
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Monday, December 10, 2018

It's been a week i have this issue going on and i get no serious help about connecting my bank issue the agent say the specialize agent will have to look up on my account what is goin on will get back to me with no time fram that can be given out to me...that is stupid...i keep trying to connect my bank for freakimg several times and deleted the app and reinstall it and still the same thing happen i just had to give up with this app use to love it but now seems it do not help at all after having this issue and all the agent is not trying their best to be a huge help out....i guess 2 star is good enough for them to get....i hope they can work better with the customer service....

23 of 23 people found this review helpful.
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Monday, December 10, 2018

Verified Review

Been 1.5 weeks and still Earnin has yet to refund my account the overdraft fee that the bank charged me do to the fact that Earnin took the payment back before my pay day. They received everything they needed said they would get back with and still nothing. Now they won’t even address my instants message. I will keep posting until the issue is resolved

23 of 23 people found this review helpful.
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Friday, December 7, 2018

Verified Review

Update from my previous day entry. They sent me another email saying it will be another 24 to notify me. This has been going on over a week now. Gave them all the documents they needed. Would have been easier doing an advance payday loan.
Don’t use them.

21 of 22 people found this review helpful.
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Wednesday, December 5, 2018

Earnin took the money for my loan out of my account on 11/23, but their system somehow shows that it was returned. It was not. It has completely cleared my credit union, and I have provided proof of this multiple times. Earnin has only responded with canned responses that don't actually apply to my situation. Either they have absolutely horrible customer service, or they're thieves - one or the other.

18 of 18 people found this review helpful.
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Wednesday, December 5, 2018

I am unsettled by the lack of response. I’m sending snap shots of everything they need to get my account rolling again. And it’s been 5 days since anyone responded. Via email, chat or even Facebook.

19 of 20 people found this review helpful.
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Wednesday, December 5, 2018

I use to LOVE EARNIN!!! They dropped my max 50.00 for NO REASON.. I’ve been emailing them for FIVE DAYS WITH ABSOLUTELY ZERO RESPONSE!!! But they say they’re there 24/7!!!

16 of 16 people found this review helpful.
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Wednesday, December 5, 2018

Verified Review

Never using this site again. I borrowed the money and told them my pay date is the last day of the month which fell on a Friday, however they took it out on Wed and caused me to have 2 over drafts.. The only way you can contact them is through email or instant message (which is a joke because they don’t text back for a day or two) and email is the same way.
When I wrote what happened by im and email their reply was to send them a snapshot of my account. I did the first time and they said I didn’t show my deposits. I then sent 4 more of my snapshot with the day of deposit. I did this for 5 days all. All I get is thank you and you can withdraw money out Agghhh. I don’t want the money I want the overdraft fees paid back. The next stop is the attorney general in our state to see what they suggest.

In my dealings they are a scam

17 of 19 people found this review helpful.
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Monday, December 3, 2018

Verified Review

I hate borrowing money from ppl so I thought this would be a great app to use.. WRONG!! I had never had issues with my account being compromised until I used this app.. Thank God for fraud alert.. They TRIED to debit $91 and $80 out of my account and when they couldn’t settled for $17.23 worth of Waffle House.. Nof even sure how they did it but it happened.. I’m removing my bank and debit card info bcuz they lighting speed feature is a LIE.. You still have to wait.. It’s too many flaws with this app.. I will never use it again nor will I suggest it to anyone else..

28 of 29 people found this review helpful.
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Monday, December 3, 2018

This app has helped me so much, I can’t thank the creator enough! It’s also nice that I get to tip, giving tips is showing appreciation! I try my best to give the accurate tip to help others!

8 of 29 people found this review helpful.
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Monday, December 3, 2018

I had been using Earnin for a few months and loved it! Then Thanksgiving came and they drafted my payback too early(due to the holiday) causing $89 dollars in overdraft fees. I have sent several messages that included the overdraft fees and they informed me that was not enough proof that their deduction caused my account to have insufficient funds. They refuse to pay me for the overdraft fees that they caused due to their error. I will not be using this app ever again and suggest you don't either!

21 of 23 people found this review helpful.
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Thursday, November 29, 2018

I used to love this app, until recently. I clearly state that I get paid on Wednesday’s, but the money has been coming out Tuesday nights with have led to overdraft fees. I am now having a “bank connectivity issue” stating my password is incorrect, which this is not the case and I am unable to access my funds. The best part is the company had no issues accessing your bank account 24 hours early to take their money, but when It comes to giving you access to your money on payday, it is constantly delayed, and now inaccessible all together.

22 of 22 people found this review helpful.
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Wednesday, November 28, 2018

I used the app for 2 months and had no issues. It was great . Then about a month ago I was having this "bank connection" issue, all of a sudden. Now it won’t let me cash out after multiple screen shots sent and several attempts to chat with customer service. I just want the problem fixed. I have proved income and have used the service serval times in previous months with no issues. In theory, great idea..but their so called specialists have done absolutely nothing in the past month to resolve the issue. Nor has anyone followed up with me. Frankly, one star is generous.

38 of 39 people found this review helpful.
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Monday, November 26, 2018

I’ve messaged customer support multiple times through email, Facebook messenger, and the Earnin app, and no reply. It’s been over 24 hours, I don’t understand how I can’t get any assistance when your customer service is available 24 hours. I’m absolutely pissed about this. I keep messaging and it’s like the customer service team is ignoring me and not taking me seriously.

27 of 28 people found this review helpful.
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Saturday, November 24, 2018

I withdraw $100 and it took out a couple days earlier than pay day which caused me to go into the negative balance. I try contacting customer service and it takes two days for a response. Meanwhile, I paid the $100 back and they say my pay date changed, which was actually on a Friday instead of Thursday due to thanksgiving. Not sure what the deal is.

11 of 11 people found this review helpful.
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Thursday, November 22, 2018

This app sounds like a total joke. I didnt even have to use the app to figure that out. Read the reviews.. they're terrible. If that's not enough for you.. watch the commercials. My 5 year old daughter could make a better commercial with her kids tablet than that dude did with his camera phone. Whaaaat??? That's crazy!!

16 of 29 people found this review helpful.
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Tuesday, November 20, 2018

Verified Review

Don't do it! I tried to get this loan and was told it was approved and that $100 would be added to my bank account by 6:00 sunday night. Now the app shows that they cannot connect to my bank. I cannot get this fixed no matter what I do. I was informed by their customer service people that they will still be debiting my checking account on Wednesday even though I have not received a deposit. I am getting a lawyer and if they really debit my account I will move forward with a lawsuit. Total scam - DO NOT DO IT.

46 of 47 people found this review helpful.
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Monday, November 19, 2018

Earinin took money out of my account before my scheduled pay date making my account have 60.00 in over draft fees. I contacted them and they have given me the run around for the past 4 days about giving them information that they do t need because they have already taken the money out of my account. Everything they have asked me to do I have done and they still refuse to refund me for their computers fuck up. Don't use them ask a friend to borrow the money.

21 of 22 people found this review helpful.
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Wednesday, November 14, 2018

I cant even give one star at this point. Customer service is good when they actually answer with some substance!! That's the problem they never respond!!! It takes forever for them to get back to you. I am having this "bank connection" issue, all of a sudden. So now they wont let me cash out after multiple screen shots sent and all. I just want the problem fixed. I have proved income and deposits multiple times and still nothing!! In theory, this a great service. They REALLY NEED WORK ON THE SUPPORT!!!!!! HORRIBLE!!! They get one star only cause I was forced to out something there!!

28 of 32 people found this review helpful.
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Wednesday, November 14, 2018

It was very helpful at first however ended up a bad thing when they increase your daily amount you guys don't know what you're doing for people is horrible especially people that live paycheck-to-paycheck you should not you have to turn around and keep borrowing from them and get stuck in a loop my power almost got cut off because of thisu thanks a lot earnin

12 of 31 people found this review helpful.
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Monday, November 12, 2018

Excellent customer service. They always answer my questions with as much detail as possible regardless of how many I send. Had a max of $250 but forgot to update my new banking information and missed a $50 payback and got dropped back to $100. Completely my fault. Would like to see a higher max but other than that, 5 stars!

7 of 23 people found this review helpful.
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Monday, November 12, 2018

This company was great until I started having issues with the app not communicating with my bank. I've sent my bank info 6 times and I keep getting error messages that it's incorrect. I uninstalled the app from my phone and won't use their services. They take forever to get back to you. I was trying to use this app to avoid taking payday loans but the customer service is very slow. It's a good app, but would be better if they responded more quickly and fixed all the issues.

19 of 22 people found this review helpful.
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Tuesday, November 6, 2018

Don't even get a loan ,they continue to try and gain access to the bank account.my telephone and mobile application we're frozen by my bank for faulty attempts to access my account. Since didn't borrow,no reason to be trying to get in account.i changed password twice now. Corporate has no explanation

31 of 31 people found this review helpful.
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Monday, November 5, 2018

Never had a problem with Earnin until yesterday...they wont update my hours I've worked which means I cant cash out and my account is not negative! I've sent 6 or 7 emails since yesterday and has yet to get a response...I'm very unhappy

32 of 32 people found this review helpful.
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Monday, November 5, 2018

I used This app to avoid loans. I now see that I cashed out 400 and the payout is 505. I only did 4 in tips so it should be 404 payout. DO NOT use this app. I questioned my payout a few pay periods ago and let it go but now I clearly see that i have been getting screwed on payouts. If you have to use this please check your bank accounts. And like everyone else, I have to wait for an email response. I recommended this app to others smh. It’s weird that it actually shows me the error and there’s no one to speak with to fix it asap

23 of 23 people found this review helpful.
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Thursday, November 1, 2018

I just started using the app a week ago. It seemed like a godsend. I even started recommending it to friends.

As of last night I had 7 dollars in my account, enough to get gas this morning as I don't get paid until this afternoon. When I went to get gas, my card was denied. A quick check of my bank account shows that Earnin debited 30 dollars BEFORE my paycheck hit my account. Not only this, my debt was for 50 plus 5 dollar tip, so WHY did this app take 30 out and OVER DRAFT my account BEFORE my check was in the account???? I have been in contact with customer service, sent them the screenshot they asked for, and NOTHING. I will be reporting this to the BBB. This app should be shut down if this is how they do business.

35 of 39 people found this review helpful.
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Tuesday, October 30, 2018

Verified Review

HORRIBLE CUSTOMER SERVICE! Literally they will email you two days prior to your payday to let you know that they are DECREASING your pay period max. They just screwed me out of $50 that in my eyes is owed to me. I've never gone negative with this app I've paid everything back including the tips. Dont waste your money on shit like this. Get a traditional loan in the long run it will be better. I tried to email them but of course emails won't go through. They clearly don't want to know how poorly they are doing as a company but I can see how much of a negative impact they are based on all these horrible 1 star reviews. THEY SUCK

26 of 26 people found this review helpful.
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Saturday, October 27, 2018

First of all customer service is horrible. If this is the only form of communication they have they should be prompt to reply back to concerns . I’ve been emailing them for 5 days because the app is telling me they cannot connect to my bank. I can log into my bank account by other means , but this app keep saying my log in is wrong. No one has yet to get the n touch with me to resolve this issue.

42 of 42 people found this review helpful.
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Saturday, October 27, 2018

Everything was great at first. I was able to cash out and my bank account was debited for the correct amount on my payday. Right after that I kept getting notices to reconnect my bank. I have been trying and spoke with customer service. Nothing has been fixed and now the app says that my bank is not supported. I'm not really sure what the problem is and no one has responded to the help ticket I submitted....

26 of 27 people found this review helpful.
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Monday, October 22, 2018

I was using the app on a regular basis while the last payroll they were paid but then it said they had to verify everything all over again. I sent in screenshots of everything and they still didn't get back to me. Very disappointed

25 of 26 people found this review helpful.
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Monday, October 22, 2018

I would NEVER recommend this app. Wasn’t told that it takes 3 business days for them to take the money back. It has no option to send the money you borrowed yourself. Customer service is a joke. No, number to call to speak with a live person. I “spoke” with two reps and neither could tell me why is say the money would be debited out 10/19 and now the rep tells me 11/2! The is a fraud!

21 of 21 people found this review helpful.
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Monday, October 15, 2018

I loved the app it's been going well until this last pay period. It hasn't been ponging me keeping track of my work hours and my location stays on. They received their money back from the last borrow I did but now I'm unable to borrow because they haven't been entering my hours. I sent my pay stub for the pay period that shows how many hours I worked, I provides screenshots of my account balance and that they've been paid for the last borrow and still no response to my stub or screenshots. This has gotten to be ridiculous. All because customer support isn't actively responding my actual rating is 2.5 we should have a customer service phone number to call.

26 of 27 people found this review helpful.
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Monday, October 15, 2018

Issues:

1. They sometimes withdraw too early from your bank account. This has resulted in an overdraft charge from my bank. Today, they withdrew from my bank account and it's only the 13th. I get paid on the 15th. 2 days early!! Luckily I have money in there now.

2. I make over $50K a year, have paid back on time everytime, and I am still limited to $100 max cash out.

3. I've come to the conclusion that you need to tip more in order to get a higher max, which is kind of stupid because I'm using Earnin to avoid using loans. If I'm paying Earnin more then doesn't that defeat the purpose of trying to save on interest payments to a loan company?

4. IMO, Earnin is a company that promotes themselves as a caring company, but they actually only care about their profits.

41 of 43 people found this review helpful.
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Tuesday, October 9, 2018

I love this app. The fact that you can borrow money and determine how much of a tip you want to pay is the best. When money is tight and I can only afford a few dollars it's ok and when I have a little more cash to give I try to help others. You get your money at lightening speed!!!!

15 of 26 people found this review helpful.
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Monday, October 8, 2018

Love this app! It has helped me get through some rough times between pay periods. Customer service and cashing out has always been great for me! Thanks Earnin!

13 of 22 people found this review helpful.
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Wednesday, October 3, 2018

Based on my income I was given a $400 max limit. Used it once and now my earnings stay at 0 and I can’t use it anymore. I took out $100 and tipped $10 one time and haven’t been able to use it again as it states I haven’t been to work yet I have been at work everyday. Not sure what the issue is and trying to get a hold of customer service is a joke. Good concept, poor management!!!!!

42 of 45 people found this review helpful.
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Wednesday, October 3, 2018

DO NOT DOWNLOAD THIS APP ITS NOT WORTH IT. I have been using the
earnin app for about 5 months now, and it has been working perfectly up until
recently. I started the earnin app with a $50 dollar limit, as time went on my
payout amount would increase every pay period. I am on salary pay and my checks
are always the same every month. Irecently started a part time job, with my paycheck going to the same account. Here is where things went left. Im guessing that the earnin app started to receive the information from my part-time work and decreased my limit from $400 to $100 with no warning or explanation. I went online looking for a contact number for them to explain my problem, turns out there is no number you can call to get in contact with them everything is done via the app. So I went into the app and sent numerous amounts of help requests and emails and have yet to hear a reply. This is just a warning for people who are thinking about using the app. Just
know if you have a problem with the app more than likely they will not reply to
your messages unless it’s something to benefit them. Maybe when they see this
someone will make contact with me to discuss this issue, this is not how you
handle business especially when it comes to money. Thank you all for reading, I hope it helps.

60 of 60 people found this review helpful.
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Tuesday, October 2, 2018

i just signed up with earnin,, when it showed my bank account info...it wasnt my bank info...guess this is a sign not to try this! sucks

31 of 33 people found this review helpful.
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Tuesday, October 2, 2018

Customer service is a JOKE!!! You cant speak to anyone on real time. They write back at their convenience and close out the ticket with a resolution. I havent been able to log in for a week now. Waiting for a "specialist" to get back to me "asap". Pretty sure the customer service is based over seas!!! Be careful!!!!

32 of 33 people found this review helpful.
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Monday, October 1, 2018

Well, I started with this company maybe 4 months ago. I mean everything was great, until I started tipping less and less. I mean my max hit $450, but i could only get $100 per day. So, I guess I would tip $2 to $3, so that was $515 a week. However, I guess to Earnin it wasn’t good enough, so they started to decrease my income each week, so right now I’m at $100. They claim it is because of my spending habits, but if I’m paying you on time and leaving a $1 or $2 tip what is the problem. I mean the app isn’t bad, but be ware if you are not tiping $9-$10 person cash out, then don’t be surprised when your cash decrease.

42 of 42 people found this review helpful.
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Thursday, September 27, 2018

I find it awful that Earnin does not respond to low scoring reviews, yet has the time to reply to good reviews. It seems obvious that this enterprise is solely based off of scamming hard working individuals out of their hard earned money. I can speak from experience as I have been using this app for about 8 months and even got my pay period max all the way up to $450. I understand that this is actually close to their Maximum cash out of $500, so I thought that I was being a loyal user of this app. I was wrong, this past month my pay period max decreased twice on back to back checks. I went from $450 to $250 in the course of one month. So now I am unable to recuperate that $100 that was taken from my bank account on both occasions totaling a loss of $200 with no explanation other than "you don't tip enough" which is unreasonable as I tipped about $10 each time. The representative I emailed back and forth with said that you must "pay what you think is fair" but how are we supposed to know what is considered fair? This evaluation seems completely at the discretion of those working at Earnin which seems to me like more and more shady individuals working behind a computer screen. I would like answers as to how they plan on managing this situation as I have used this APP happily for 7 months however this past month has been nothing but frustration as there currently is no phone line to reach them and every representative I have spoken with concerning this issue just dodges the question or blames the customer. If you ask me this company needs to be looked at in-depth and I earnestly WARN any new users that if they want to keep their money, stay far far far away from this company.

49 of 49 people found this review helpful.
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Friday, September 21, 2018

The same thing happened to me. I’ve had the app for about three weeks, I cashed my first pay out, and everything was fine. Here’s the issue, I got paid yesterday they took their debts today, and the app is claiming I’m still maxed out for a pay period they’ve already receive money for; and the best part is it’s now saying I can’t cash out until Oct 4th my NEXT pay day, (because I’m maxed) when I’ve borrowed nothing.

33 of 35 people found this review helpful.
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Friday, September 21, 2018

I thought that this app would be good until you see that the only thing that is happening is that your borrowing back, and fourth from yourself.So technically its not helping you to do anything but stay in dept. My max to cash out goes down each time I cash out. So say Im allowed to borrow $150.00 the next time I can only borrow $100.00. Which mean I loose $50.00 to this app.Its honestly A waste of time it was useful the very first time i used it thats all.

27 of 27 people found this review helpful.
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Friday, September 21, 2018

Love it

3 of 18 people found this review helpful.
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Monday, September 17, 2018

Verified Review

This has been a great way for me to get the occasional advance when I fall short during the month. I’m a mom with two kids and dealing with two chronic illnesses which requires many co-pays for appointments and medications. While I try to budget for these things, it doesn’t always work out perfectly, especially when an unexpected expense comes up. It’s nice that I have a bit of a cushion that I can use instead of having to dip into my emergency savings.

Response from Earnin:
20 September 2018 at 07:12

Monica,

We know how expensive appointments and medications can be, and how they can especially be unexpected at times. It warms our hearts here at Earnin that our app is able to help you and your family out in such a beneficial way. Our brand team would love to hear more about you, you can send them an email to [email protected] to chat with them. Thanks so much for taking time to leave us a wonderful review, and we wish you all the best!

Thanks,
Earnin

6 of 22 people found this review helpful.
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Monday, September 10, 2018

If I could give it 0 stars I would. I really wish I would have read the reviews before getting burned by them. I’m guessing my emails to them will be answered whenever... I’ve been using the app for about 3 weeks now and thought it was great. However, this week the let me know that I could advance up to $250. Yesterday, the app only let me take $50. I figured I would be able to take more today. This morning, I checked my bank account and the $50 deposit is no longer showing. When I checked my Earnin account, it says that I have already advanced $250 this pay period, which is completely false. At this point, I haven’t borrowed even a penny from them this week. After reading these reviews, I am beginning to freak out. Looks like some of you have been charged for money that was never deposited.

Response from Earnin:
20 September 2018 at 07:06

Leesa,

We will never charge you for any money you didn't receive. Once we send it to your bank and you see it post, it's actually only your bank that has the ability to reverse it. However, we want to take a deeper look into this, and make sure you successfully receive all money you cashed out. Please send an email to [email protected] so our specialists can fix this ASAP.

Thanks,
Earnin

34 of 36 people found this review helpful.
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Monday, September 3, 2018

I was using the app and then it couldn't connect again. Customer Service couldn't even figure it out.

Response from Earnin:
20 September 2018 at 07:04

Jeannette,

We sincerely apologize for the hassle setup was for you, and we want to make things right. Please send an email to [email protected] so our specialists can help ASAP.

Thanks,
Earnin

15 of 17 people found this review helpful.
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Tuesday, July 3, 2018

Im so excited to finally be set up!!

Response from Earnin:
20 September 2018 at 07:08

We're excited to have you join our community! Thanks, Line Lewis!

5 of 18 people found this review helpful.
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Monday, July 2, 2018

Claire provided fast results while emphatically walking me through the steps that , while alone, would have be misguided leading me on a journey to Grief Street. Thanks for the,, CLAIREfication!!!!

Response from Earnin:
20 September 2018 at 07:08

Wooh! So happy to hear! Thanks for your review, Demetrius! ??

2 of 12 people found this review helpful.
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Monday, July 2, 2018

I love the fact that it I need a little cash before payday for unexpected expenses like medication or something like that.

3 of 13 people found this review helpful.
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Sunday, July 1, 2018

Love this app, very helpful when needed

2 of 10 people found this review helpful.
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Sunday, July 1, 2018

I was suspicious when I first heard about this company because it sounded too good to be true. You need a little extra cash before your check for an emergency and you can get it at a reasonable cost? Yep. It's true and this company is great and I've had NO problems. I don't need their services every single week but the times that I have used them it has been perfect and I have no concerns. They're great!

16 of 20 people found this review helpful.
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Sunday, July 1, 2018

I love this app! I was able to pay it forward with my tip and received such loving thanks. It feels good to help my fellow people. XOXOXO

7 of 13 people found this review helpful.
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Sunday, July 1, 2018

Renzi was able to assist me quickly and resolve my issue. She is excellent! I love Earnin! It has helped me when I have been in a tight spot. This app is a god send!! :)

4 of 7 people found this review helpful.
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Sunday, July 1, 2018

This app has really helped me in time of need. The only down fall is that they limit you for $100 but that’s really understandable. They want to make sure they have enough for everyone that uses it. And the tips you add are helpful too. Thank you Earnin!

6 of 8 people found this review helpful.
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Sunday, July 1, 2018

Omg where do I start they are above amazing you guys are life savers

5 of 11 people found this review helpful.
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Sunday, July 1, 2018

This app really helps when I'm in a bind

8 of 13 people found this review helpful.
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Sunday, July 1, 2018

Being indepedent in Chicago is hard but Earnin made my life stress free. Im so glad I saw their ad in Facebook last December (2017) and immediately joined. Thanks guys! Cheers!

1 of 4 people found this review helpful.
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Sunday, July 1, 2018

Their customer service is quick, positive, and very helpful.

0 of 3 people found this review helpful.
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Sunday, July 1, 2018

0 of 3 people found this review helpful.
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Sunday, July 1, 2018

LOVE Earnin!!!!

1 of 6 people found this review helpful.
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Sunday, July 1, 2018

HIGHLY recommend this service. Prompt response from customer service with ANY questions or concerns you may have. I've had an issue from this company with regard to receiving earned funds prior to my scheduled Payday. Ten star service ??

1 of 3 people found this review helpful.
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Sunday, July 1, 2018

I have been an Earnin member for a few years. This service in invaluable and has helped me get through many instances where I needed my pay before payday. Further, their customer service is fantastic. They reply in a timely manner; even on the weekends. Yes, I have had issues with cashing out, but most of those are due to my bank and not Earnin. For those who are considering this service; they are a legitimate service with exceptional customer service!!

2 of 4 people found this review helpful.
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Sunday, July 1, 2018

Great company ! They are always there when I need them and customer service is excellent.

2 of 4 people found this review helpful.
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Sunday, July 1, 2018

Great app and the customer service is right on point all the time. Thanks!!

0 of 2 people found this review helpful.
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Saturday, June 30, 2018

An aweaawe app and really helpful customer service .

0 of 6 people found this review helpful.
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Saturday, June 30, 2018

Great App and is very reasonable with helping you use money that you will eventually have. Quick deposits and a customer service support center with great people. I love using my earnin app. Saves my life sometimes.

0 of 2 people found this review helpful.
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Saturday, June 30, 2018

Earnin constantly saves my life. They’re amazing and such a brilliant idea as well as good thing they’re doing. Keep it up!:)

0 of 4 people found this review helpful.
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Saturday, June 30, 2018

I can’t wait how much payday loans try to charge an interest for let’s say $100 those companies and it up charging $150-$175 thanks to Earnin, I pay with Spare and is a fraction of the racquet I once had to resort to get help Between paydays

1 of 4 people found this review helpful.
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Saturday, June 30, 2018

I love this company!! They help me get thru day to day life emergency financial situations!!

0 of 3 people found this review helpful.
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Saturday, June 30, 2018

I love this app. Keep up the great job??.

0 of 3 people found this review helpful.
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Friday, June 29, 2018

Easy to set up and very helpful app, keeps ur mind at ease knowing that if your household needs something midweek and you have earned income you can borrow against your pay without losing money paying fees to borrow up to $100. Great idea thanks Earnin

0 of 3 people found this review helpful.
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Friday, June 29, 2018

Hands down most hospitable experiences out of any type of industry. Dianne and Renz were beyond helpful!

0 of 3 people found this review helpful.
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Friday, June 29, 2018

Helped me with a Super Power called Balance Shield. ??

0 of 3 people found this review helpful.
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Thursday, June 28, 2018

Very cool and useful App !

0 of 3 people found this review helpful.
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Thursday, June 28, 2018

Great service. Love the effort. This has helped me with my finances so much. Sometimes paycheck just doesn't come around fast enough to pay fixed date bills.

0 of 2 people found this review helpful.
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Thursday, June 28, 2018

The app is amazing and comes in handy so much ??

0 of 2 people found this review helpful.
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Thursday, June 28, 2018

wonderful app very helpful in your time of need

0 of 2 people found this review helpful.
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Thursday, June 28, 2018

Awesome really helps out in a bind

0 of 2 people found this review helpful.
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Thursday, June 28, 2018

We all find ourselves in a financial pinch at some point(s) in our lives. The ability to essentially borrow from our own earnings, without 300-400% interest for a traditional payday loan, is something that I do not take for granted. Earnin is doing every one of its customers a huge solid.

1 of 3 people found this review helpful.
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Thursday, June 28, 2018

Really loving the Earnin app it’s wonderful especially when u may need that extra bit of help..

0 of 3 people found this review helpful.
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Thursday, June 28, 2018

great app

0 of 3 people found this review helpful.
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Wednesday, June 27, 2018

Very helpful and responsive

0 of 2 people found this review helpful.
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Wednesday, June 27, 2018

Great help in everything. I recommend it.

0 of 2 people found this review helpful.
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Wednesday, June 27, 2018

They really are out there to help the working man. There really are no surprise fees. Please support them by tipping for good service.. Let's revolutionize the world. The customer service may take days when there's an issue so that is something to be awAre of, but they can be a total lifesaver and keep you out of payday loans.

2 of 5 people found this review helpful.
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Wednesday, June 27, 2018

So far loving this app.

0 of 2 people found this review helpful.
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Wednesday, June 27, 2018

Very helpful in time of trouble

0 of 2 people found this review helpful.
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Wednesday, June 27, 2018

Earnin comes in handy

0 of 2 people found this review helpful.
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Wednesday, June 27, 2018

Fast response.

0 of 1 people found this review helpful.
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Wednesday, June 27, 2018

Very helpful and polite

0 of 1 people found this review helpful.
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Wednesday, June 27, 2018

Every time I've had to contact them I've gotten fast and friendly service and my issue has always been resolved. The app is so easy to use as well. Very happy I found this company.

0 of 1 people found this review helpful.
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Wednesday, June 27, 2018

Helps out if you're in a pinch or if you just want a couple extra bucks. Tech support is helpful and pleasant.

0 of 2 people found this review helpful.
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Tuesday, June 26, 2018

When your in hard place and don't have the cash Earnin will help you and have excellent customer service if rhere every a problrm.

1 of 2 people found this review helpful.
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Tuesday, June 26, 2018

Thanks Jenny for your quick response and for resolving the problem i was experiencing with the app.Thanks Earnin for all you do.

1 of 2 people found this review helpful.
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Tuesday, June 26, 2018

Helpful everytime

1 of 2 people found this review helpful.
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Tuesday, June 26, 2018

These guys are on top of their game. Super helpful when I needed them.

1 of 2 people found this review helpful.
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Tuesday, June 26, 2018

I love Earnin’! This is a lifesaver when you need some quick cash from your next check!

0 of 2 people found this review helpful.
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Monday, June 25, 2018

The future of lending is here! Join today! You will regret waiting!

0 of 3 people found this review helpful.
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Monday, June 25, 2018

This app is sooo convenient! I love it!

1 of 2 people found this review helpful.
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Monday, June 25, 2018

Had some issue and the rep who helped me was amazing! Thanks guys for the amazing service!

1 of 2 people found this review helpful.
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Monday, June 25, 2018

Quick response and helped me to get back on track with my earnings.

Thanks

1 of 2 people found this review helpful.
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Monday, June 25, 2018

This app does what it says, with it I am able to manage my money better and it has an awesome way of ensuring i never borrow more than
i need. in the rare occurrence there is a delay, the customer service staff are nice, prompt and diligent at solving problems.

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Monday, June 25, 2018

Love the app, the support is excellent.

1 of 1 people found this review helpful.
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Monday, June 25, 2018

Earnin is a lifesaver!!! Because of this app I am able to avoid overdraft fees, buy groceries or gas in between paychecks, and help me when those unforeseen situations come up that I wasn't planning on. You tip what you feel is fair and it automatically comes out of your checking account on payday. Say goodbye to those expensive cash advances!!!

1 of 1 people found this review helpful.
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Monday, June 25, 2018

It's your money. Get it when you want it.

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Monday, June 25, 2018

I signed my daughter up for this app and it has been a huge help! We have received great customer service whenever we had questions or concerns!

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Monday, June 25, 2018

The app works well for me! Any problems that I have had they resolve.

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Monday, February 5, 2018

I started using this crappy App 4-5 months ago; I got to a point where I had the highest Max Period possible; however since last month they started decreasing the amount I could take out, then every single time I log in my bank info needs to be verified; no ones answers your emails quickly and they dont even have a phone number where you can reach costumer service. It's a crappy app ... what a waste of time!

Response from Earnin:
02 July 2018 at 12:28

Lucille, we're sorry for the troubles you've had with the app. We've rolled out many improvements since you posted this, but if you are still having any troubles we're here for you, and want to make things right. You can reach us with any questions you may have by emailing [email protected] Thanks.

9 of 12 people found this review helpful.
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Monday, January 22, 2018

This company is a scam! They lower the amount of money you can take out but they wait until you have your bills already made and then they tell you your limit has been cut! You can never get ahold of the company and emails take forever to get replied too! When you need to log in you have constant problems verifying your bank information and then you can not get ahold of anyone to talk to if you’re having a problem so you need to sit tight and wait for someone to return an email to you. Save yourself the trouble and headaches

Response from Earnin:
02 July 2018 at 12:26

Hello Lilly. We have Maxes to ensure that we don't overdraft your bank account when we take money out on payday. New users start at a $100 max. This can decrease to $50 or increase up to $500 based on multiple factors, some of which include: your use of the app, your spending, your bank, and if your employer works with us directly. For more info, you can press ‘Max Info’ on your home screen, or contact support 24/7 for assistance.

11 of 14 people found this review helpful.
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Thursday, December 28, 2017

My son uses the app and showed me how to use it. I had trouble verifying my bank at first but eventually it verified and I am a very happy customer. Their support team answers me within an hour and Its not some automatic message because of the questions I ask. I love this app and I recommend it to anyone that is in a small bind and need help until payday. The negative reviews on here are a bit much and im not sure why you guys had a bad experience. Its been good to me so far

Response from Earnin:
02 July 2018 at 11:36

Hey there, Tenesha! With being a newer start-up company, there were a few bumps in the road at first, but over time we've completely overhauled the app, and deployed some major improvements to make sure we could offer everyone a great experience. We love hearing your positive feedback, and we're happy to know you've enjoyed the app for quite some time now. Feel free to reach out anytime if you need help or have any suggestions on how we can improve. You can reach us by emailing [email protected] Wishing you the best!

8 of 12 people found this review helpful.
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Wednesday, December 20, 2017

I’m sitting here reading these reviews and it’s blowing me away. I’ve been with Active Hours for months and while yes, I’ve had a few issues, they’ve resolved them quickly and correctly. Someone said nobody ever gets to a $500 cashout limit? I have. Their customer service has fixed any and every problem I’ve encountered and they’ve done it without any issues. The app works as advertised and the team really is top notch! Don’t let the negative reviews deter you, it really is a life saver!

Response from Earnin:
02 July 2018 at 11:30

With community members like you, we're bound to do great things together! We truly appreciate your support, Cory!

8 of 14 people found this review helpful.
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Thursday, December 7, 2017

I absolutely love the app, I think I saw it on Facebook...I must admit I was skeptical at first, but I haven't had any issues and I can max out up to $500. I was verified the very next day once I downloaded the app, it really came in handy when I need it and it was at "lightning speed." I have had nothing but a great experience with them!

Response from Earnin:
02 July 2018 at 11:29

That's music to our ears! Thanks for the support and review, Felicia!

6 of 9 people found this review helpful.
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Monday, December 4, 2017

This app is a complete joke. I've tried several times to upload a pic of my pay stub to verify my employer and the amount I've made but Everytime they have some excuse for why it didn't take. I tried to contact support which ended up being now help whatsoever. I think this app is a scam.

Response from Earnin:
02 July 2018 at 11:27

Amanda, we're legit and we want to help. If you're still experiencing any issues, please let us know. You can reach us by emailing [email protected] Thanks.

6 of 15 people found this review helpful.
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Friday, October 27, 2017

I was so afraid after seeing reviews to try this app. Glad I tried it I have had no trouble. Customer service responds fast and are friendly. This apps comes in handy when you need it ! Verification took 3 days for me.

Response from Earnin:
02 July 2018 at 11:26

Hey Melissa! We are glad to hear that you have found the app helpful! :) Thank you for leaving us your excellent rating and review!

7 of 10 people found this review helpful.
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Friday, October 27, 2017

I have been using this app for a couple of months and have no problems. On the app it seems to only update my bank info once every 2 days but I always get my money when I request it and it always takes it when it's due so I don't really see a problem with that. I am the type of person that if something is going to go wrong it is going to happen to me. And actually this is going really good. I was sceptical but with a sick child and no one else would give me money I was desperate. Turned out it was a good decision. I have recommended this to all my co workers. I opted out of the balance shield to try and avoid any wrong that might come. So far so good. Will keep using this app until they won't let me!!

Response from Earnin:
02 July 2018 at 11:25

Good afternoon, Deanna! We hope your child is doing better now, it warms our hearts we could be there for you and your family in your time of need. Regarding the bank info updates - since we don't have a live connection with your bank, we actually have to wait for them to send updates which can take a couple hours to 24+. We know this can be inconvenient for people who are needing to cash out again right away, so we're able to manually update your account with screenshots as an alternative. You can have your account updated from support 24/7 by either contacting them in-app, or by emailing [email protected] We wish you the best, and thank you for your support! :)

8 of 10 people found this review helpful.
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Monday, October 23, 2017

Great app, I just have an issue with reconnecting to my bank every other day. Then there is another 1 to 2 day period for bank verification. I've had it a week and my bank has been verified at least 4 different times. Would love a fix for that.

Response from Earnin:
02 July 2018 at 11:18

Hello Shaun! We've deployed quite a few fixes since you posted this review, so you should be set now. However, if you do still seem to be having any troubles, please let us know. You can reach us by emailing [email protected] Thanks!

8 of 8 people found this review helpful.
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Thursday, October 19, 2017

I have never had one issue with this app. People keep complaining about they are cashing out when they arent asking to, im sure its because they have selected thw option to cash out once their bank balance gets to a certain point. I dont believe for one second this company is stealing. And in regards to active hours taking money before payday, thats because your bank posted your paycheck early and they want to get their money before you spend it. Obviously if you are using this app then you are spending more than you make or arent good at handling your money. Which i admit to fall in that category. So if course they are going to take their money when your paycheck is deposited. Dont believe for a second that they took money before your check was deposited. I do believe they take money before your official payday but many banks post direct deposits as soon as they receive them. If youre not getting overdrafts then dont act like you are. Thats why its taking customer service so long cause im sure you arent able to verify that they caused your account to overdraft. I 100 percent support this company. They are taking a huge risk by lending people money for free.

Response from Earnin:
02 July 2018 at 11:16

Hey Lindsay! Creating positive experiences is very important to us! Thank you so much for taking the time to give us feedback on your review! :)

10 of 14 people found this review helpful.
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Thursday, October 12, 2017

Wow. I was just about to try it out, but naw....Im good. I'd rather be without than have additional headaches! Geesh! Let me know when this company gets serious.

Response from Earnin:
02 July 2018 at 11:14

Hey Just Tee! We've always been serious, but as a start-up company, we still had to work on smoothing out the edges when we first took off. We've made some major improvements to the app and overall experience and would love for you to give us a shot. If you have any questions or need assistance, our support team is available in-app 24/7, or you can visit our Help Center for more info: https://help.earnin.com/hc/en-us. We want to hear about your experience if/when you try us out! You can either update it here, or send us an email to [email protected] so we can hear from you. Thanks!

10 of 39 people found this review helpful.
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Thursday, October 12, 2017

I've had zero issues. It does what it says. You can only cash out up to 100$ a day and you tip what you think is fair. I have lightning speed so when I need it, it's put in my account immediately. As the sign up dictates, what you borrow it takes on the day you get paid... it's a payday loan without the crazy interest, just a tip if you choose to do one. I imagine most who use this consistently may not be good with budgeting anyway so maybe that is where all the poor reviews come from. Get prism if you need budget help. Active hours... thank you! Always reccomend!

Response from Earnin:
02 July 2018 at 11:10

Hey Jessica! Great advice about Prism for folks that may need help budgeting - we're all about helping people become financially healthy! We're thrilled to hear you enjoy the app, and we sincerely appreciate your support! Feel free to reach out anytime if you have questions or need help. Thanks!

8 of 11 people found this review helpful.
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Wednesday, September 27, 2017

This app is great, I've only had couple problems with updating the bank account after a withdraw, but the support service is on top of it right away.

Response from Earnin:
02 July 2018 at 11:05

Hey Jant! Yeah, since we don't have a live connection with your bank, we have to wait for your bank to send us updates. We know waiting can be inconvenient, so we're actually able to manually speed this process up with screenshots! For more info, you can contact support in-app or by emailing [email protected] Thanks for your support!

4 of 9 people found this review helpful.
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Monday, September 25, 2017

I read all these reviews and the case with me is completely different. Everything they have to offer is legit. My only problem was setting up my account took about a week i had some bank verifcation problems but other then that the app is pretty cool. It starts you off with a small 100 dollar daily max but claim it will go up after time.

Response from Earnin:
02 July 2018 at 11:03

Thanks for the positive feedback, Arthur! We're glad to hear you've been enjoying the app! As you already may know, we've done a total overhaul on the app, and customer experience. If you have any questions or suggestions on how we can improve, we're all ears! You can reach us by emailing [email protected] :)

3 of 4 people found this review helpful.
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Tuesday, September 19, 2017

After reviewing all the negative reviews both pn the website and social media..I'll stick with my IN PERSON payday loans.

Response from Earnin:
02 July 2018 at 11:01

Hey Rccaldero! We've made some major improvements to the app and customer experience since you posted this review. We'd like to invite you to try us out! We aren't a payday loan - we don't charge fees or interest, we just ask you to tip what you think is fair. And $0 is always an option no matter how much you cash out. If you have any questions you can contact support in-app, or visit our Help Center here: https://help.earnin.com/hc/en-us. Thanks!

7 of 35 people found this review helpful.
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Monday, September 18, 2017

This app completely ripped me off!!! I'm fighting trying to get my money back. I feel like an idiot! I'm not done with them though they will pay back every penny! Do not fall for this scam people!

Response from Earnin:
02 July 2018 at 10:58

Erica, we can assure you we're not a scam - we currently have an A+ rating with the BBB. We're not sure what you mean when you say you were ripped off. We only debit the amount you choose to cash out in the app, and we don't charge any fees or interest. We'd be glad to chat with you and improve your experience moving forward. You can reach us by sending an email to [email protected] Thanks.

20 of 43 people found this review helpful.
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Monday, September 11, 2017

Way to go for a company!!!one less "future customer"I'm sorry but after reading all these reviews,I've further change my mind!!!sounds too much!hopefully these guys pay back every penny they have took from these people l.....if it wasn't for these reviews I would of been one of them! !!glad I read reviews before choosing!!

Response from Earnin:
02 July 2018 at 10:55

Desmichelle, as a newer start-up company we didn't have all the kinks worked out as soon as we launched. However, since the time you posted this review, we've created some major changes and updates to improve the experience overall. We'd love for you to try us out! If you have any questions, you can visit our Help Center here: https://help.earnin.com/hc/en-us or contact support 24/7. Feel free to reach out anytime and our teams would be happy to assist you. Thanks!

26 of 48 people found this review helpful.
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Monday, September 11, 2017

I will be contacting BBB about you guys as well as my uncle who works with FOX 26 news in Houston Isiah Carey about your company it's so many issues that us consumers need to know before accessing your app and a lot of misleading things as well. Every week it's something new and continuous glitches, crashes, and we entrust you with our banking info and with our funds and you all make so many excuses everyone says different all these unprofessional screenshots for proof, no phone number and communication through social media. No responses for hours, or days. You all have messed over me for the last time and I have been with y'all for almost 3 years giving you business generous tips and all when I have a coworker that I referred who won't even give you guys over a dollar for a tip and I give way over that amount. The nerve of you all to make me suffer the consequences on your mistake how do I close and discontinue my account cause if I'm unable to cash my 300 that is owed to me according to you all I'm done deactivate and close my account. You all have so nerve seriously

Response from Earnin:
02 July 2018 at 10:52

Hello Sharen, thank you for reaching out about the issues you've experienced. We see that support was able to help fix things for you, and we hope to have improved your experience since you posted this. If you have any questions, or need assistance we're here for you. You can either contact support in-app, or reach us by emailing [email protected] Thank you.

35 of 48 people found this review helpful.
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Monday, September 4, 2017

I've read the horror story reviews and I'm thinking wow...I've never had any issues with them. The only issue I have is that I would love to increase my daily limit and they haven't increased it after I have been with them for months. They always send me the generic response about how to get an increase...which I'm doing but haven't gotten one. Other than the generic response to that question, their customer service has been fantastic. Fast responses and addressed specific concerns. People have to realize that that this is a free service and it costs a company money to do phone support. Anyway. I have a free feature called "lightning speed" enabled and I get my money IMMEDIATELY. Once you upload your timesheet the available funds are usually reflected within an hour for me. The thing with the bank not automatically updating in the app happens to me too. But I figure it's on my bank's end. So I usually just get into the routine of emailing a screenshot of my direct deposit. That verification does take a few hours typically .... But always within the same day. I've never had any issues with feeling like I've been robbed or cheated by this company. They have been solid. I have referred at least 6 Co workers who all use it now too and no one has had the issues I'm seeing here on the reviews. This service does have the potential to be so much better and even more beneficial for people who need it. Traditional payday loans are absolutely ridiculous.

Response from Earnin:
02 July 2018 at 10:50

Hey Gav! Thanks for leaving such a thoughtful review, we appreciate your support! As for Maxes, we have more info around how they work since you posted this review. You can check out the "Max Info" button from the homescreen in-app, or visit our Help Center here for more info: https://help.earnin.com/hc/en-us/sections/205419567-Maxes.

21 of 25 people found this review helpful.
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Monday, August 28, 2017

So a few weeks ago, I downloaded the app, thinking it was a good idea at the time. Uploaded all my info, etc, and went to work. The next day, the app said that I could cash out $87, so I did. But lo and behold, that money was never added to my account. And now, after two weeks when I get my paycheck, the app decided to take out $87 IT NEVER DEPOSITED IN THE FITST PLACE. I need to pay off my student loan and this app just took a good chunk of the money. Terrible app, liars and scumbags.

Response from Earnin:
02 July 2018 at 10:47

Mon, sometimes banks will place a temporary hold on credits if it's the first credit you've received from any company for security purposes. However, you should have received the money within a few business days, unless there was possibly a typo when you entered your routing/account numbers. We want to make sure you've received the money successfully. Please send us an email to [email protected] so we can get this sorted out. Thank you.

45 of 54 people found this review helpful.
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Friday, August 25, 2017

I told this company to close my account since it was taking a week I no longer am going to wait for this. I deleted this icon and I never got any money from them, so this morning five days after telling them to close this account they are trying to go into my account and want me to log into their site with my user name and password. They keep this info so they can take out what ever and when ever they want. they didn't give me any money why try to take money from me. SCAMMING SCUMBAGS that's what Activehours is. BEWARE.

Response from Earnin:
02 July 2018 at 10:43

Eva, we can assure you that we don't store your info nor are we a scam. When deleting the app, that doesn't close your account. Here's a link from our Help Center on how to close your account: https://help.earnin.com/hc/en-us/articles/225951047-How-do-I-close-my-account-. We never debit your account for anything more than you choose to cash out. We'd be happy to help answer any questions you may have about us, you can reach us by emailing [email protected] Thank you.

24 of 33 people found this review helpful.
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Sunday, July 23, 2017

Just plain doesn't work and when you call them you get a message that says "we've paused our phone support" aka we don't take calls because we know our platform is garbage and we're tired of being told as much. This company isn't gonna be around long.

Response from Earnin:
02 July 2018 at 10:40

Hello, we don't take calls for a few different reasons, and you can learn more about that here: https://help.earnin.com/hc/en-us/articles/222364067-Why-doesn-t-Earnin-provide-phone-support-.

Our team is available 7 days a week, you can reach us on FB/Twitter, submitting a ticket in the app, or by emailing [email protected] and we'll help you as quick as possible.

25 of 34 people found this review helpful.
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Sunday, July 23, 2017

THE WORST APP EVER DO NOT DOWNLOAD! I am currently dealing with a situation that I am rarely ever in. I found this app and thought it was just great up until last night. Now mind you before I begin this review I have not used my active hours since july 7th because they cut my max pay out which is very annoying. Now we all know how active hours works you upload your time card or it automatically does it for you whatever the case. and when you cash out that money you took is taken ON THE DAY YOU GET PAID! (Pay attention to that sentence there) I cashed out a total of 100 dollars this pay period with Activehours and expected to be taken out of my account on the 24th of this month whch is the day I receive my paycheck. Not only did they charge me 3 day earlier but they over charged me by 15 dollars. My bank account is looking at a negative balance of 108.27. I spotted the mistake right away and contacted them through email. Moving off topic for a bit I have never in my lifeknown a company not to provide their consumers with an active customer service hot line like really? Any way after waiting hours for them to get back to me I am asked to show proof of them charging me early I send in the proof show the overdraft statement. I am then sent an lousy apology and customer service person and shoved to the next idiot to get back to me "Asap as they put it. I have been dealing with this since 3:00am this morning and have had it up to here with their b.s. I am beyond livid and might not be able to make it to an event I had hopes on going to tonight because this sham of a company has the pace of a snail when correcting their mistakes. The flaws in what they told me are a bunch of b.s they know when my payday is and how much I have aken out. Please save yourself the trouble and stay away from this horrid company! You have been warned

Response from Earnin:
02 July 2018 at 10:37

We're so sorry to hear you had such a bad experience, Audrey. We've made many improvements since you posted this review, and we'd like to make things right. Please send us an email to [email protected] so we can chat. Thank you.

56 of 61 people found this review helpful.
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Monday, July 17, 2017

They keep depositing money into my account that I am not requesting and when I get paid they take the money out of my account.

Response from Earnin:
28 June 2018 at 14:31

Hello, Meshia. It sounds like you're enrolled in Balance Shield - which automatically cashes out for you if our system detects your account balance fall under $100. This is in effort to help you avoid any potential overdraft fees. You can turn this off if you'd like, here's a link from our Help Center with info on how to do so: https://help.earnin.com/hc/en-us/articles/219013717-How-do-I-turn-off-Balance-Shield-or-change-my-payment-amount-. Please contact support in-app or by emailing [email protected] for assistance. Thank you.

37 of 41 people found this review helpful.
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Wednesday, July 5, 2017

Why isint there a number to call on the website .. just an email address!! If this is so legit, they should be easily to get ahold of! I got a lot of questions about this company.

Response from Earnin:
28 June 2018 at 14:29

Hey Aj! At Earnin, we’re all about using technology to make things faster and better. Here are a couple reasons why we do all of our support online:

- Often, fixing issues requires sending screenshots or photos. This is easiest when you’re already online.
- Online support keeps all your records in one place. This ensures nothing gets lost in translation if we need to escalate or revisit an old issue.
- Speed speed speed. We promise. We can handle way more support questions online.

In place of phones, we currently offer support through the chat icon in the app, or by email at [email protected] You can check out more info about us by visiting our Help Center here: https://help.earnin.com/hc/en-us. Thanks!

29 of 34 people found this review helpful.
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Monday, July 3, 2017

Can someone please let AH know that their customer service sucks and so does their app, are you getting same generic responses over and over and over, "sorry for the inconvenience DM us so they can resolve the issue" but doesn't get a response. Or them claiming that your gps on your phone is basically not on or not working but you know damn well there's nothing wrong with your gps or phone. Here's what I'm noticing with AH, no one gets to a $500 payout, not that I would need that much, but I'm noticing once you do a payout they stop adding hours or they don't count or add hours for weekends. I'M STARTING TO REALIZE THIS COMPANY IS LIKE THEIR CUSTOMER SERVICE....BS. I WOULD BE BETTER OFF GETTING A LOAN. LESS WORK.

Response from Earnin:
28 June 2018 at 14:22

Sammi, we hear you and want to help. There are various reasons you had issues with Automagic Earnings, and we've made some major updates since you posted this. If you'd like assistance, we're here for you. You can reach us by emailing [email protected] and we'll have a specialist look into this for you. Thanks for your patience and understanding.

30 of 34 people found this review helpful.
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Monday, June 26, 2017

Verified Review

Worst app EVER they can never sync with my bank but sure as hell have the right account to take back the funds! I have been trying to resolve an issue for 2 weeks and still getting no where!!!!! Customer Service is horrendous and you never talk to the same people. I have had to repeat myself at least 10 and still no resolution! This app and the people running it are absurd

Response from Earnin:
28 June 2018 at 14:17

Danielle, we sincerely apologize for the troubles you experienced, and we want to help. Please send us an email to [email protected] so we can take care of this and improve your experience moving forward. Thank you.

35 of 37 people found this review helpful.
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Saturday, January 14, 2017

BEWARE. DO NOT USE ACTIVE HOURS. I WOULD HAVE BEEN BETTER OFF GOING TO A REGULAR PAYDAY LOAN PLACE. ACTIVEHOURS HAS COST ME OVER $250 ON A $46 LOAN THEY SENT THAT I NEVER REQUESTED.
They claim they are a better alternative. But payday loan places charge u $17 on a $100 advance. They automatically sent me $46 but didn't complete confirmation on it causing over $250 in overdraft fees.
On December 30th I woke up to activehours telling me it was payday even tho their system had my correct payday as Jan 12th. I got this resolved but that night they sent $46 to my account automatically Bc I had the account shield on which transfers funds when you bank account falls below $100. 5 days later I see my bank account as $167 in the negative Bc of three $36 overdraft fees. I call my bank and they say the $46 that was sent never came out of pending Bc it is waiting for confirmation from the merchant. Active hours denies they ever sent it and says the bank must have funded that money in their name which is not only incorrect but impossible as it was after hours being 10:30 at night on a holiday and on the weekend. My bank wasn't even open. What happened was when I got the payday mishap fixed the system must have assumed it was a new pay period and automatically sent me something, allowing it to sent funds that exceeded my pay period max. I had already requested my $100 pay day loan which is the max it would allow. But they sent more automatically that I didn't request. I assumed my payday max increased Bc earlier it said it may go up depending on what I was paid. My pay increases so I thought my max increased. Turns out it was a system error on their part and they are unwilling to accept responsibility and have said they are waiting on my bank to reach out to them. This is a problem they caused and I don't think my bank is allowed to contact them regarding my personal account. Bc they caused this they need to contact the bank to fix it. They say on their website they will cover overdraft fees if they cause them but they are not. So after 7 days I got another extended overdraft fee of $36 causing my bank to be $203 negative. The 12th active hours tried to pull $46, $46, and $8 that I recieve, back from my bank account causing three more overdraft fees totaling $250 in overdraft fees plus the $46 that I used they sent me that was never approved this leaving my account $311 in the negative. I image they are not going to stop trying to pull money from my account and cause more fees.

Response from Earnin:
28 June 2018 at 13:46

Goodness, we're terribly sorry to hear this Kirsti. It sounds like there were some mix-ups with support in offering you the refunds that were due to you from our error. We'd like to take a closer look into what happened, and make sure we get this straightened out. Please send us an email to [email protected] so we can help ASAP. Thank you.

74 of 81 people found this review helpful.
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Tuesday, November 22, 2016

I’ve used this app for two months now, and while it does do what it advertises it does there are still some bumps they need to fix. The first time I used it the money was in my account within a few hours, but then when it came to take it back out (a few weeks later) they said the card was invalid… even though they had no problem depositing the money with the same card. Eventually they got it to go through but it took a few weeks. THEN when I tried to use it again it says the account isn’t verified… IT’S THE SAME ACCOUNT THAT WAS USED THE FIRST TIME. So my account is on “hold” while they re-verify my bank account info. If they are going to do this every month it’s not worth the time and aggregation.

Response from Earnin:
28 June 2018 at 13:42

Hello Tricia! We're very sorry to hear about the negative experience you had. We've made some major improvements since you posted this review, and we'd like to invite you to try us out again if you haven't used us recently. We'd love to get your updated feedback and provide assistance. You can reach us by emailing [email protected] so we can chat and help. Thank you!

69 of 83 people found this review helpful.
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This page was last updated 08 July 2020 10:14