Earnin

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Earnin

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About 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.

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.

Earnin Reviews

2.7

Out of 5 stars
(222 Reviews)

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from None

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.

3 of 3 people found this review helpful.

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from Nixon Peabody Llp

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. ????

3 of 3 people found this review helpful.

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from USHKO

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

1 of 1 people found this review helpful.

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from 1972

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.

7 of 7 people found this review helpful.

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from City Blossoms

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?

1 of 1 people found this review helpful.

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from Mountain land

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!!!!!

9 of 9 people found this review helpful.

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from N/A

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.

17 of 17 people found this review helpful.

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from 1986

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.

19 of 20 people found this review helpful.

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from Concentrix

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 !!!

22 of 24 people found this review helpful.

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from Work

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.

15 of 18 people found this review helpful.

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from PMUC

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.

12 of 13 people found this review helpful.

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from PARKING

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

16 of 19 people found this review helpful.

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from Progressive

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.

12 of 13 people found this review helpful.

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from State

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.

12 of 13 people found this review helpful.

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from N/A

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.

23 of 26 people found this review helpful.

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from Mrs

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??

8 of 10 people found this review helpful.

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from Jones

Thursday, May 2, 2019

Terrible

11 of 16 people found this review helpful.

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from Star Wars

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!!!!

22 of 28 people found this review helpful.

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from Autoclub

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.

16 of 17 people found this review helpful.

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from lowes

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.

19 of 22 people found this review helpful.

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from N/A

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.

23 of 26 people found this review helpful.

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from Meus

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 .

19 of 19 people found this review helpful.

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from Blue Cross

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.

20 of 21 people found this review helpful.

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from RA

Monday, April 15, 2019

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

9 of 11 people found this review helpful.

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from Doesn't matter

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.

15 of 15 people found this review helpful.

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from none

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.

13 of 14 people found this review helpful.

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from GA

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

15 of 15 people found this review helpful.

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from none

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!!!

16 of 18 people found this review helpful.

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from UHS

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.

61 of 65 people found this review helpful.

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from K

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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from Earnin

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.

20 of 23 people found this review helpful.

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from Buzzi Unicem

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.

25 of 33 people found this review helpful.

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from Avalon Care

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.

12 of 13 people found this review helpful.

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from Army

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.

9 of 12 people found this review helpful.

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from N/A

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

10 of 10 people found this review helpful.

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from independant

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.

14 of 16 people found this review helpful.

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from N/A

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.

8 of 9 people found this review helpful.

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from Joshua's place of business

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.)

6 of 7 people found this review helpful.

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from N/A

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.

7 of 8 people found this review helpful.

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from United shore

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!!!

8 of 9 people found this review helpful.

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from n/a

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.

5 of 6 people found this review helpful.

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from Solomon org

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.

5 of 5 people found this review helpful.

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from Earnin

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!

3 of 4 people found this review helpful.

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from None

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.

8 of 8 people found this review helpful.

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from School

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.

4 of 4 people found this review helpful.

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from Fraud Alert

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!

11 of 11 people found this review helpful.

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from Eplus tech

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.

2 of 2 people found this review helpful.

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from K

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.

7 of 9 people found this review helpful.

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from N/A

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.

5 of 5 people found this review helpful.

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from Deez farms

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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from Self

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

2 of 3 people found this review helpful.

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from PandaABC

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.

7 of 11 people found this review helpful.

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from N/A

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.

11 of 14 people found this review helpful.

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from None

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.

10 of 10 people found this review helpful.

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from Who knows

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

5 of 7 people found this review helpful.

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from Xyz

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

7 of 8 people found this review helpful.

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from n/a

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.

35 of 35 people found this review helpful.

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from Home Depot Exteriors (HDE)

Friday, January 18, 2019

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.

23 of 23 people found this review helpful.

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from Self

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!

20 of 20 people found this review helpful.

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from SHC

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.

34 of 35 people found this review helpful.

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from McDermott Will and Emery Law Firm

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

17 of 17 people found this review helpful.

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from Amazon

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!!!

25 of 27 people found this review helpful.

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from Joshua's place of business

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.

37 of 37 people found this review helpful.

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from na

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.

23 of 23 people found this review helpful.

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from Self.inc

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

40 of 42 people found this review helpful.

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from Novant health Presbyterian

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 ????????????????

28 of 28 people found this review helpful.

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from CVS

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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from Ford

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

28 of 28 people found this review helpful.

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from Ford

Monday, December 10, 2018

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

22 of 22 people found this review helpful.

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from Ford

Friday, December 7, 2018

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.

20 of 21 people found this review helpful.

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from None

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.

17 of 17 people found this review helpful.

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from Usps

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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from Georgia

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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from Ford

Wednesday, December 5, 2018

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

15 of 17 people found this review helpful.

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from ADTRAV Travel Management

Monday, December 3, 2018

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..

27 of 28 people found this review helpful.

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from WFH

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!

20 of 22 people found this review helpful.

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from 1984

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.

21 of 21 people found this review helpful.

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from N/A

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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from Unknown

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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from 2 guys on the Move

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!!

15 of 28 people found this review helpful.

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from Dynamic Systems, Inc.

Tuesday, November 20, 2018

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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from Abf inc

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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from X

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!!

27 of 31 people found this review helpful.

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from Florida boy

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

30 of 30 people found this review helpful.

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from HR

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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from FedEx

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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from Novum Pharmaceutical Research Services

Tuesday, October 30, 2018

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

25 of 25 people found this review helpful.

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from Pgc

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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from Baycove

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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from Robertson

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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from Honest Feedback

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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from None

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!!!!!

41 of 44 people found this review helpful.

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from Brooks Ent.

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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from baptist

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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from My company

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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from T

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.

41 of 41 people found this review helpful.

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from Bimeda Inc.

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.

48 of 48 people found this review helpful.

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from Nordstrom

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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from Network

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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from UO

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

33 of 35 people found this review helpful.

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from Jeannette Thompkins

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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from Wild elfs

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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from The eye

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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from My business.

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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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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from Self employed

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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from Atlas

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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from Menards

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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from Instacart

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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from FFC

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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from UPMC

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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from Customer

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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from TaskEasy

Monday, June 26, 2017

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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This page was last updated 22 June 2019 11:51