Bank · complaint record
Earm complaints
Filed under Earm LLC
Consumers have filed 59 complaints about Earm since 2014, 1 of them in the last 12 months. It answered 0% on time and closed 0% with relief for the customer. The most common problem is problem caused by your funds being low.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 59
- Last 12 months
- 1
- Answered on time
- 0%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #164 of 188
Since September 2014
new vs the year before
Industry: 99.3%
Typical bank: 19%
Newest: Dec 23, 2025
Most complained-about banks & credit unions
Earm complaints by month
The busiest month was September 2021 (5 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Earm answered all time
- Closed with explanation46.8%
- Untimely response5593.2%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Earm complaints are about
Top Earm problems
Inside "Took or threatened to take negative or legal action"
- Threatened to sue you for very old debt 9
- Threatened to arrest you or take you to jail if you do not pay 4
- Threatened or suggested your credit would be damaged 2
Where Earm complaints come from
Most complaints: Texas (13), Pennsylvania (5), California (4), Florida (4), Illinois (3).
Earm compared with other banks & credit unions
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | BancfirstBank accounts | 49 | 28 | D |
| 2 | BannerBank accounts | 51 | 28 | C |
| 3 | Customers BancorpBank accounts | 57 | 28 | C |
| 4 | RBC BankBank accounts | 59 | 26 | C |
| 5 | TruebillBank accounts | 95 | 26 | A |
| 6 | City National BankBank accounts | 91 | 25 | A |
| 7 | FirstbankBank accounts | 69 | 25 | B |
| 8 | EarmBank accounts | - | 1 | - |
Compare side by side: Earm vs Bancfirst · Earm vs Banner · Earm vs Customers Bancorp · Earm vs RBC Bank
What people say about Earm
All experiencesNo experiences with Earm yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Earm complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Dec 23, 2025 | Bank accounts | Problem caused by your funds being lowOverdrafts and overdraft fees | No timely reply |
| Mar 30, 2023 | Debt collection | Communication tacticsFrequent or repeated calls | No timely reply |
| Feb 23, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Jan 31, 2023 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | No timely reply |
| Jan 24, 2023 | Payday & personal loans | Can't contact lender or servicer | No timely reply |
| Jan 19, 2023 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Dec 27, 2022 | Debt collection | Took or threatened to take negative or legal actionThreatened to arrest you or take you to jail if you do not pay | No timely reply |
| Dec 26, 2022 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | No timely reply |
| Dec 6, 2022 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | No timely reply |
| May 5, 2022 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | No timely reply |
| Mar 1, 2022 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | No timely reply |
| Feb 18, 2022 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | No timely reply |
Questions about Earm
How many complaints does Earm have?
Earm has 59 complaints on record since September 2014, including 1 in the last 12 months and 0 in the last 30 days. That makes it number 3,042 of every company by complaints this year.
Does Earm respond to complaints?
Yes. Earm answered 0% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Earm?
The most common problems are problem caused by your funds being low (1), took or threatened to take negative or legal action (15), communication tactics (13).
Is Earm legit?
Earm is a real company with a public complaint record: consumers have complained about it 59 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Earm legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Earm?
Complain to Earm in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Earm complaints come from?
Most come from Texas (13), Pennsylvania (5), California (4). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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