Contact EarnIn Support

I’ve been using this app for about two years and for the last two months it’s been nothing but problems. It started when my bank made enhancements to their online and mobile banking app.( which is not uncommon most financial institutions do that all the time). I work for the same employer, it’s the same bank account and pay schedule. Every time I actually am able to cash out it’s fine I receive the funds at lightening speed. The funds come and for the next two weeks the app is fine. As soon as Earnin takes their money. They can’t access my bank, it’s connection issues, EVERY screenshot I upload “there’s a hiccup”. I chat with the customer service reps constantly to be told to update my bank login( it doesn’t let me do that, says bank is confirmed and attached), they say it’s my bank and pretty much they’re working to resolve the issue. It’s very annoying and I feel as if there’s a glitch somewhere but they don’t care enough to fix it. Update: there’s still a constant connection issue with my bank which is FedEx credit union. I’m not sure if the relationship is not available between the bank and Earnin but after they took their debit this week I was told pretty much connect a new bank or I can’t use the app due to the issue with my bank. I tried connected my second bank account first horizon and of course they have a connection issue with them as well. At this point I’m giving up on Earnin and plaid with the connection issues.

I started using Earnin a year ago. My linked checking account was a Suntrust account. In October 2021, Suntrust merged with BB&T and became Truist. While I did experience inconvenience every time I used the app after the migration, I was able to contact support to chat with a supervisor and have my repayments manually verified. Each and every time, it was verified that my repayments went through successfully and on time. And each time, a supervisor manually reinstated my pay period max. This was inconvenient but it worked. Each time, they would tell me that they were aware of the bank migration issue and their technicians were working on getting a “better connection” with Truist. This latest payday, I am following the routine by contacting support. To my surprise, I was told that my bank account was unverified and asked to wait 48 hours while they sent small transactions to my checking account to make sure they had the correct routing and account numbers. I waited until I saw a 0.01 transaction on my banking app and reached out to support again. 4 hours in chat and they verified everything was correct on my end but my bank still couldn’t be verified. How???? You obviously sent the penny, right? “Yes, but your bank still is not linked “. Please make it make sense Earnin! So now, I am unable to use Earnin as they cannot manually review for reinstatement. How??? You’ve been doing it manually for 3 months. I really don’t understand the logic here.

I’ve been using Earnin for about a year now. It started off great & ran smoothly there were no issues with my bank or cashing out. I recommended it to all my friends and now I regret doing so. I went from getting my questions answered within an hr to having to wait an entire day IF they respond instead of just closing my tickets. The worst part is for the last 3 pay cycles they’ve been debiting my account days ahead causing overdrafts. I’ve been going in circles trying to get the support team to correct this to no avail! They just keep asking me to send screenshots that no one is clearly taking the time to go over. Nothing has changed for me to have continuous issues all of a sudden after months of using the app successfully. My account is now in the negative & I’m receiving emails saying my bank has bounced part of their drafts so my account is on hold. You can’t draft my account 4 days early and blame it on my bank when my pay schedule is in your system and I’ve sent countless pay stub after pay stub reflecting my deposits! To make matters worse as a result of their screw ups my pay period max has been reduced from 600 back to 100 after I worked to build it and never had an issue paying back until they started debiting early. Customer service has really declined and the app really seems to be going downhill 2 of my friends with different banks have also been experiencing the incorrect debits dates . I’m really disappointed!