How do I dispute a transaction made on my EarnIn Card?
If you believe a transaction on your EarnIn Card is incorrect or unauthorized, please contact our 24/7 community advocates within the app.
Customers must notify the card issuer of a billing error within 60 days from when the statement containing the error was sent.
Reasons you may need to file a dispute:
- Unauthorized Transactions: You notice charges you did not authorize on your card.
- Billing Errors: You identified errors in the amount charged, duplicate charges, or other inaccuracies on your statement.
- Goods or Services Not Received: You paid for goods or services that were never delivered or provided.
- Defective or Substandard Products/Services: You received a product or service significantly different from what was promised or was defective.
- Canceled or Returned Transactions: You canceled a service or returned a product, but the merchant fails to credit your account appropriately.
- Misrepresentation: A merchant misrepresented the product or service, and it needed to meet the specifications or quality claimed.
- Duplicate Charges: You were charged more than once for the same transaction.
- Subscription Cancellation Issues: You canceled a subscription but have been continuously billed.
- Failure to Receive Refund: You were promised a refund, but it has yet to be issued.
What is Hummingbird?
EarnIn uses Hummingbird software to manage disputes related to EarnIn Card. If you see an email from Hummingbird regarding your claim, please follow the requested actions.
How long does it take to investigate my EarnIn Card dispute?
If you have any dispute-related transactions made on your EarnIn Card, you should know that the investigation process can take up to two billing cycles to resolve. During this period, we may contact you to request additional information to support our investigation. Please note that you are not required to pay the charges while a dispute is in progress.
If we identify an error in the transaction, we may initiate a chargeback on your behalf to the merchant. Merchants will have the opportunity to provide information to validate the transaction. This process may take up to 90 days to resolve from the date the dispute claim was filed.
While we investigate your dispute, EarnIn will exclude the disputed transactions from any reports we share with credit bureaus.
EarnIn is a financial technology company, not a bank. Banking Services are provided by Evolve Bank & Trust, Member FDIC. Earnin Card and Secured Account is issued by Evolve Bank & Trust, Member FDIC pursuant to a license from Visa USA Inc.