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Earnin complaints

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200 Portage Avenue
Palo Alto, CA 94306 | Get Directions

(888) 851-0111

http://www.earnin.com

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Total Amount in Dispute:
$2,338.00

Total Amount Settled:
$0.00

Complaint Experience

33%

Complaint Resolution Index (CRI)

Complaint Resolution Index (CRI) Explained The Complaint Resolution Index (CRI) is an indicator on how responsive a company is in addressing and resolving customer complaints brought to their attention by BCA. If they are considering doing business with the company, consumers can use this indicator to forecast the likelihood of having their issues addressed if a problem arises. CRI measures the company's customer satisfaction abilities through BCA’s complaint mediation process.

A variety of factors are considered when calculating CRI. This includes how quickly a company responds to complaints, the number of complaints against a company, whether the company addressed complaint allegations, and the outcome of the complaints. CRI is just a subset of the overall rating for the company. Consumers are encouraged to take into consideration the company's CRI, their overall BCA letter rating and other relevant information about the company so they can make a well-informed purchasing decision.

BCA's Summary and Analysis:

Our complaint history for this company shows the company gave proper consideration to some complaints presented to them.

Although in some cases the company failed to respond to complaints.

Complaint Closing Statistics

6 complaints against Earnin closed in last 3 years.

Complaints	Type of response
0	Making a full refund, as the consumer requested
0	Making a partial refund
1	Agreed to make an adjustment
0	Refusing to make an adjustment
1	Refuse to adjust, relying on terms of agreement
4	Unanswered

6 complaints against Earnin

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4/28/2024

RESPONSE: Refuse to adjust, relying on terms of agreement Amount in Dispute: $122.00 Amount Settled: $0.00

Customer Complaint

4/2/2024

I received 2 separate loans same day each 50 dollars then a hour later they took 122 dollars out my account as a repayment and tip I wasn't given any time for payback then I noticed they never posted the payment to the account so when I asked they disappeared from the conversation 3 different times they are trying to scam me into paying repayment twice instead of once which was already paid weeks ago and they won't acknowledge it Resolution Sought Post the payment you received weeks ago and stop trying to take that payment again.

Company Response

4/15/2024

We received your correspondence through the Business Consumer Alliance portal on April 02, 2024, in which you mentioned that EarnIn had double-debited your account on 03/29/24 for transfer outs that were already repaid on 03/15/24. On 03/15/24, your bank account was debited a total of $122.98 as a repayment for the two transfers: $60.99 on 2/29/24 and $61.99 on 03/13/24. On 03/29/24, your bank account was scheduled to debit a total of $123.98 ($61.99 +$61.99) for the two transfers, both for $61.99 and both performed on 03/15/24. Based on the information provided, we don't notice any discrepancy between the repayment history and upcoming debits. Should you have additional questions related to the matter, please respond to the email communication sent to you on 04/11/24 or contact our customer support team at care@earnin.com to ensure we adequately address your inquiry. We appreciate your understanding and cooperation. Our team is committed to providing excellent customer service and looks forward to assisting you in resolving this issue.

12/5/2022

RESPONSE: Agreed to make an adjustment Amount in Dispute: $80.00 Amount Settled: $0.00

Customer Complaint

11/4/2022

They have set my payroll deduction date for November 10th because November 11th is bank holiday. I advised them my employer still deposits on November 11th. They asked me to share my employer information and the app that they use will not allow me to share anything although I've reset the permission several times. They are intentionally causing me an overdraft fee. When they have advised them several times the money will not be there. They then advise they cannot withdraw on a bank holiday so I asked them to change the withdrawal date to November 14th they declined. This app is supposed to allow you to borrow money until your next payday and they are actually going to cause me to overdraft my account and I've reached out to them several times and they give me the same response every time and it's not even helpful. Tell them if I was trying to defraud them would I be asking them to move the payday one day? Would I be asking several times? Would I try to reach out to them through several means they do not care to resolve the dispute. Resolution Sought I would like them to change their payroll direct deduction to November 14th to avoid an overdraft fee.

Company Response

11/23/2022

Thank you for contacting us. After receiving your complaint we were able to reschedule your debit from 11/11/22 to 11/14/22, and the funds were debited on the 14th. We sent you an email on 11/08/22 to confirm the rescheduling but did not hear back from you. Please note that our records show that you received your direct deposit on 11/10/22, as expected. Keep in mind that although your employer may not observe all holidays, direct deposits post based on the federal reserve bank holidays: https://www.federalreserve.gov/aboutthefed/k8.htm. The rescheduled debit is considered a one-time-courtesy reschedule, which our policies allow once every 180 days. Thank you for being a member of our community and please contact us if you have any further questions.

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