Early Warning Services
Reviews and Complaints

Needed this app to pay rent at my new place, but it has fought me every step of the way. First of all it, it wouldn’t send me a verification email to confirm my account, and refused to resend one no matter how many times I tried. I attempted to contact customer service to get it fixed, but they didn’t reply back until a week later. By then I had already created a whole new email to see if it would work for the app, and so far it has. After that I attempted to send $600 to my landlord for rent, but it refused to send saying that I was going over my “weekly transaction limit”. I only use this app to pay rent and this is my first transaction, so I guess my weekly amount is less than $600? I have to assume this because Zelle gave me no means to see what this limit actually was or how I could find more information about it. I ended up looking it up online and they say their weekly limit is $2,500, but it still gives me this error. I then figured that maybe it was the size of the transaction and tried breaking it up into 3 $200 payments instead. The 1st $200 went through fine (but not before the app froze once or twice) and the 2nd $200 got through after I had to reboot the app. This 3rd $200 won’t go through as it says I have gone over my weekly limit again. So I now know that my weekly limit is between $400-$600 and that I can’t pay my rent entirely with this app. My landlord did instantly get that first $400, so the app can work, but it is wholly unreliable if you have to make any transactions for rent, businesses, or general day to day purchases.

Update: I found their actual site, and their weekly send limit is $500 if they don’t like the bank you use, and according to them this limit is non-negotiable. I think I’m just going to use good old fashioned checks instead of this app :/

Here’s my timeline
Day 1: signed up because someone sent me money
Used suntrust
App broke
Called Zelle customer service
They can’t fix
Elevated to new level
They can’t fix they said IT would call m1 hour on phone

Day 2: IT called. Said it wasn’t a Zelle issue but a Suntrust issue. Said I had to call suntrust
Called Suntrust. They said issue would not be fixed for a month - possibly
Couldn’t call again because already spent an hour

Day3 I thought. Have them remove the suntrust account.
IT unlocked my account, so I figured I would remove the account
Tried to remove the account.
App crashes
Now I’m locked out
Called Zelle customer service
Kept asking me about suntrust. I didn’t care about suntrust. Unlock my account? Said they would have it call

Day 4
No call from Zelle
Called Zelle support
They said they would have someone call me.
They can’t unlock my account
I’m assuming another 24 hours to return a call.

Day 5
No call from Zelle
Same thing. They can’t do anything
They will have some one call me with Within 24 hours.
It’s now 3 Days and no call back

Day 6
4 Days and no return phone call
Didn’t feel like calling again and been on the phone for 40 minutes only to say they will have to call me back

Day 7
5 Days and no return phone call

Still not resolved.

Day 8
Sent an irate message because no one is returning calls

Day 9
Received a call from tech support. They said I had to change my phone number with the bank. Wt*. I called the bank and changed it to a family member number who has multiple phone numbers?

Day 14
The money was returned to everyone. Zelle app still doesn’t work
Tried Venmo. All money was transferred in a day

Day 16

Out of curiosity I double checked to see if it works. It doesn’t. Still error messages

So, it’s an app that takes money. That’s it. Waste of time for everyone.

Make sure you read the terms of this app. If you have boomer parents that do not understand technology DO NOT LET THEM ANYWHERE NEAR THIS PLATFORM. THEY WILL HAVE THEIR MONEY STOLEN.

Zelle should be required to have massive warnings on all steps of the transfer process on how sending money works on this platform. There needs to be more security measures on verification and limits on funds. When it comes to fraud the user take on all risks involved. Your personal bank account is pushing this risk on to YOU!

This platform is a scammers dream. Zelle and your bank will do nothing but help the scammer as this avoid the large amount of daily fraud that Big banks currently put up with.

These banks want to get rid of their risk of fraud by putting it on the user. So they are basically now giving you a free wire service through these apps. Works great till your parents or grandparents get scammed on a ticket sale or fraudulent energy company call.

Doesn’t even restrict tracfones. The apps only security is to check your devices location and hardware. THERE IS NO ID VERIFICATION ON EITHER END OF THE TRANSFER. We should be at a point now we’re any transfer request from a USA bank account to an end user out of India should easily be marked with fraud. Big Banks do not want to deal with this problem anymore so they’re passing it on to you. Do not support this by using this platform!
Do not let these platforms thrive when these same institutions are trying to restrict BLOCKCHAIN USAGE from expanding which would prevent all this fraud, but likely would end Big Banks!

Do yourself a favor and delete this app. Request any bank that has this service tied to a Banking check or saving account to be restricted or threaten to transfer out. You need to get your parents or elderly aware of this platform and make sure it’s disabled on their account!

My mom didn’t have Venmo but she wanted to send me some money for my birthday. So she went to her bank and asked what her options were. They told her to use this app…. I think banks somehow decided to try and team up against Venmo for some reason. Instead of just going with a much better app, they want to over complicate your life and tell a bunch of old people to not join the 21st century, but to download a completely different app and force their family to attempt to join just some we can send money back and forth.

So anyway, I download the app and sign up, she sends me the money and… nothing. Never comes. I call up customer service and they say to let 3 days go by, they see the transaction, they even tell me the amount, but as I am a new customer I have to wait… we do this, no money. So I call up customer service again…. Literally no answer. I go through every option of their automated phone system and not a single path leads me to a person. I have never actually experienced that before… I try even the options that don’t apply to me, all lead to the same message and then the system would hang up. So at this point it had been at least a month. My mom asked me every day if it’s come, no it hasn’t. It was quite a large sum as well… so finally she goes into the bank again, and basically they have no idea where the money is, it says it’s gone through. It has not gone through on my side. So my mom had to force the bank to refund her the money. Which they eventually did, because it’s basically their fault for pushing this app on her. The banker even told her that he hates Zelle, but the bank makes him try to get people to use it, and that he uses Venmo…

To sum it up, Zelle lost or stole close to $1000 from my mom, and the bank had to refund her, the money has still never come through. It has been over two years.

How many stars do you give an app that steals money from you?

USE VENMO.

While I loved the Zelle app when it worked, my account was disabled without warning. After panicking only to learn they no longer support my bank because it is not part of their network (San Francisco Police Credit Union at the time), they suggested I open an account with one of their network banks. I already have 2 banks, I don’t need a 3rd. Almost a year later, I tried downloading the app and got an error code. I emailed customer support and received a reply stating I could now sign up with them if my bank is not in the network using my debit card just call customer support to have my email and phone number removed to restart. Called them and was transferred to 2nd level support which was no help at all. She asked me for the security number on the back of the debit card that was linked to the account and I told her that I didn’t know it anymore because that card expired. After taking a couple guesses, she then said something like because I did not know the security number or the last four digits of the card she could not do anything. I told her I knew the last four digits of the card, I just didn’t know the security code numbers. She then said well I asked you and you said you didn’t know. I told her I did not hear her ask me that. The card number never changed, only the security number on the back of the card. Their favorite statement is telling people there is “nothing we can do.” She said if I had my number and email deleted I would never be able to sign up with them again. When I told her that is not what the email said, she kept reiterating to what she saw in her system and she had no knowledge of what was sent to me. She did not even give me the opportunity to read it to her. She also told me that I can sign up with other money apps (which I already have). I feel like Zelle sends out canned email messages without accountability. There must be a reason why a lot of banks are not networked with them.I feel like I would’ve gotten better service from a robot.

So I had been a Zelle user for over a year, and had the audacity of trying to update the email address associated with my account, and now I am no longer eligible to use this app. No, I am not exaggerating, and, no, you did not read that wrong. I tried to change the email address on my Zelle profile, which set off a series of ridiculous errors, locking up of my account, and then subsequent HOURS on the phone with various tech support people, none of whom gave me consistent information or bothered to read the logs of the previous phone calls/trouble shooting efforts. Now it’s been determined that because of my cell phone carrier (huh?!), my actual cell phone (say what!?), and my now conflicting log in information (because of in app glitches!), I have been flagged by this app as ineligible for an account FOREVER. Even though less than 24 hours ago, I in fact had an account and used it without any issue whatsoever, because I dared to change email addresses, I have completely disrupted the powers that be and have been banished from use of the Zelle app indefinitely. And the very polite technician told me that she can do absolutely nothing about it. The app has spoken! Seriously?! If this were 2002, I would be looking around for a camera because surely I’m being punk’d. I cannot believe that a customer support group is completely powerless in updating or completely removing an account that is experiencing an abundance of issues admittedly due to quirks in their own application software! And for a company to say that they would rather lose business then be able to fix the issues with their own technology? Even more unfathomable! So, when it was working it was really a great application, and I found it very easy to use. But if you do choose to Zelle, don’t even think about changing where you live (or heaven forbid your email address!) or make any adjustments whatsoever to your profile, or you too may be booted from the Zelle app island forever. I can’t even believe how ridiculous this is!

I do NOT recommend this service at all. Neither the app itself or with the bank. Its just sad that banks use and support this service. I have created and used zelle Only with my bank. “Zelle with bank” give you the option to create the account either with your phone number OR email. I obviously chosen email as you would think that would be saver considering people change phone numbers all the time. This what happened... Couple people send me money ( about $50) by my phone number and I wasn’t getting the money because apparently the number is registered to someone else claiming to be the owner of my number. Zelle confirmed that MY phone number is registered to someone who has the app. So how in hell I am the owner to that number but someone else can register my number and get my money? Zelle basically telling me there’s nothing they can do since I do not have the service through them (app) but my bank and so I have to file a dispute with the bank. Went in my bank (wells) store and had a rep contact the fraud department but still no resolution. They sending me back to Zelle. Zelle sent me to them and they sending me back to Zelle. Nobody wants to stand the responsibility of a service that they are providing and claimed to be secured. When I spoke to the Zelle rep I informed them I can prove that I am the owner of the number ( I even called them from my phone), I have screen shots from the senders showing the money was meant for me yet it wasn’t enough and they cannot do anything because I am not an app user. You would think they would take a deeper look into the situation considering someone is claiming to be owner of a number and getting other people’s money. They obviously don’t care their system is inadequate and that they don’t even have solutions in place for misapp on their end. It’s frustrating that they give you an option, email or phone # yet the other one of the 2 can be claimed by thieves and Zelle let it happen. So I can’t claim my number back and someone making money off me. smh

Be careful! Zelle will zap you! My mother is 83 years old. She set up so we could send her $ occasionally. Her 17 year old dog passed away & she needed funds to have her cremated. When she tried to log into the app, she received a message that her account was restricted. We call customer service. And the extremely unhelpful CSR and her equally unhelpful supervisor confirmed that her account was restricted and SHE CAN NEVER USE ZELLE AGAIN. Neither of these CSRs could tell us what she did to cause this to happen. They did advise us that we would find the reason(s) in the user agreement parts 3 and/or 21. Part 3 states Zelle is for personal use only. It also has a list of scenarios that the funds you receive cannot be used for like
Pharmaceuticals and other controlled substances;
Illegal drugs;
Drug paraphernalia;
Firearms, ammunition or other weapons;
Sexually oriented activities or materials;
Pornography;
Obscene or offensive activities or materials;
Materials or activities that promote intolerance, violence or hate;
Ponzi or pyramid schemes;
Illegal gambling, gaming, lotteries or sweepstakes;
Court-ordered alimony or child support payments;
Traveler’s checks, money orders, equities, annuities, or currencies, including digital currencies, such as bitcoins;
Counterfeit materials;
Infringement on the copyright, patent, trademark, trade secret or other intellectual property rights of zelle®, a Network Financial Institution, another User or any other third party;
Terrorist funding;
Fraud;
Scams;
Money laundering; or
Any other illegal activity or unlawful purpose.
——or——
Zelle can restrict your account just because!
See #21 of the user service agreement:
Subject to applicable law, zelle® may terminate or suspend this Service Agreement and your use of the zelle®mobile app and Service, in whole or in part, at any time for any reason without cause and without prior notice.

I can only conclude that my mother is involved in some nefarious transactions or Zelle has so much business that they can randomly restrict accounts.
Thanks Zelle!

Do not, I repeat, do NOT download this app or become affiliated with this shady company FOR ANY REASON! This has been the biggest nightmare from start to finish. I received a surprise email today, stating that a very generous family member had unexpectedly sent me money via Zelle. "Oh, wow, that's great. How thoughtful," I say to myself. So, I proceed to click the link attached to the email, only to find out that I now need to download the app. Ok, no biggie; in this day-in-app-obsessed-age, this is pretty common practice for most companies. So I download the app and register my information (including my bank card information). Well, fast forward a few minutes, and I begin to realize that it didn't indicate how, nor when, I'd receive my money; unfortunately, however, at this point, I had already closed the app. As I go to log back into my new, just established Zelle account, it won't work, WHATSOEVER, and I continuously receive some stupid "error" response. After numerous attempts of trying to access my account--through the app; through Safari, on my phone; and on my desktop computer--I then call customer service, and boy was that a JOKE! While I was not on hold as long as I have now come to learn other reviewers have been, I still wasn't able to get any answers from Abby, the representative to whom I spoke. So, now, several, SEVERAL hours later, I am no closer to an answer or solution than I was when this whole fiasco first started. Not only that, but, as if to add insult to injury, I now get to wrestle with the fact that some incompetent, unreliable, failure of company has possession of a fairly decent amount of money that is not theirs, and I have no clue as to what I should do next.

In a nutshell, run...RUN AS FAR AWAY FROM THIS SCAM OF A COMPANY AS YOU POSSIBLY CAN!

P.S. And no, Zelle, I do NOT want your useless, wast of time, automated, "contact our troubleshooting department" reply to my review. As far as I'm concerned, your entire setup and business practice needs to be "troubleshot," so don't further waste my time with some empty, patronizing response.

I currently have been using the Square Cash app for a couple of years or so, and it has been and still is great. However when I heard about the future introduction of Zelle, I was very excited. Even though my Cash app transfers money directly to the recipient's bank account within one business day, Zelle was supposed to do it in minutes. It still uses ACH to process the transactions, so the money must be memo posting, but nevertheless, you still have access to the money so that is great. Another great aspect is the security that only banks can provide---not perfect, but better than anyone else. That's where it ends though. I have been trying to enroll my card for over 5 days now. It kept giving me error messages. After holding for almost an hour for customer support, I was told to erase the debit card number after entering it and then re-enter it. Sounded kind of fishy, but guess what---it worked---kind of. When I entered the security code that was sent to me, I received another error message. Customer Support gave me a case number and said someone would call me in one to two days. Five days later, I called them. As I was on hold for 45 minutes, I started reading the reviews. This is terrible and should be very embarrassing for every member bank. I can understand a bug here and there, but it seems that the bugs are when it works. When customer support finally came on the phone, they said that my bank's debit card was not compatible. That's a lie. But it doesn't really matter now, because I would never use an app that could cause a lot of problems for the people that I'm sending money to when I already have an app that has never given me or my recipient's a problem.
Update 10/10:. Developer response confirmed that my US bank's consumer debit card should work contrary to the info that was provided to me by their customer service. The funny part of their response though was to suggest that I call their customer service to fix the issue. Did they not read my review? I've called several times with very long wait times. No help at all! I'm not sure which is worse: the product, customer service or the people (developers) responding to these reviews. Ugh!

When someone asked to send me payments via Zelle, I loaded the app, registered, and linked my bank account. Two payments went through. Then no more payments would go through. I received text messages that a Zelle payment was waiting but I had to register with Zelle! Somehow I had cancelled Zelle access? Okay ... but the link provided in the message was not operational; it did not take me to the page for authorizing Zelle payments. I tried over and over.
Annoying and surprising.

Then I went to my bank’s website and explored thoroughly, and after several unsuccessful attempts, I found a way to allow Zelle connection to my bank and authorize receiving payments through the phone app — again. The process took hours. I registered for both phone payments and email payments. So ... two payments went thru without problem.

Then a week later I got ANOTHER text message saying there’s a Zelle payment waiting for you and please register for Zelle! WHAT?! And then I was told my Zelle registration had “expired.”

Are you kidding me? This time, I know for sure that I had not canceled anything or denied access. So ... again I work to re-register.

Barriers encountered: messages stating that the system is partly down. There was a step that allowed me ONLY to set up recipients I want to pay, with NO option to set up my phone number and bank to *receivepayments! So I kept trying different pathways. Re-trying. And finally the system let me through and I registered. And My bank notified me that the Zelle payment had been received. However, an hour *aftermy bank confirmed that payment was received, I got text messages from Zelle informing me that it had begun processing the payment. Seriously?

I thought, this app is for BANKING — it should be reliable! But this app is a mess - bad design and filled with bugs. If the problems happen again, I’ll just refuse to receive further payments through Zelle. Having to re-register and re-link my bank to Zelle THREE times in less than two months is ridiculous. The app is clunky, time-consuming, poorly designed, and bug-ridden. Systems like this are supposed to offer convenience and reliability, right? But I have never used a fussier, buggier app. Ever.

I have been using Zelle for years now and have enjoyed the convenience of being able to pay the babysitter and friends. I have been having issues with people receiving money from me, people who I have sent money back and forth numerous times in the past. Due to these issues and no help from support decided that I will NEVER be using Zelle again.
On 09/06 I attempted to send $30, and normally I get the notification that the money was sent, this time it showed as pending. I gave it more than a few days to process, but now we are at 09/23 and receiver has not seen the deposit, and I have not seen my money returned to my bank. Beyond that, the transaction completely disappeared from the transaction history I see in the app.
I called support and was informed that the transaction was canceled. First of all, what? Zelle hid the transaction from me and never notified me that there was a failure. If this is happening to me, can you imagine how many other people this is happening to and how much money Zelle has STOLEN from its users?
Beyond that, the rep stated to me that there was nothing they could do because they have nothing to do with the transaction. I was told that I need to contact my bank, because they are the ones that have my money. Excuse me? Zelle is the middle man. I have money in my bank, it is given over to Zelle, and Zelle sends it the receiver.
If I purchased something off of Amazon, and never received it, I would not contact my bank for a refund. I would contact Amazon. I understand that Zelle is not a merchant, so there may be some different happenings that I’m not aware of, but I can tell you one thing: I have money taken out of my account and it shows that it was given to Zelle, and now Zelle doesn’t want to have any part of it.
This has happened once before, (with a much larger sum, $500) and took weeks to sort out. I don’t know if I want to go through the same process because it is a smaller amount, but I believe this is what the company is hoping for, to take a little bit here and there so they can turn a better profit.
I should have learned the first time, but rest assured I have learned my lesson now. DO NOT USE THIS SERVICE - THEY WILL STEAL YOUR MONEY

I requested another person to send me money using the Zelle app. The Zelle app said the transaction was complete and the other person’s bank account was debited on the day of the request. I did not check my bank account as it was an insignificant amount, my fault. Ten days later I get a text from Zelle saying that my request for money was about to expire. I opened the Zelle app and it showed that the transfer failed. I called the other person and inquired if their account had been debited and it had, however I did not get a credit to my account. I called Zelle tech support and they said the transaction failed and I should call my bank to find out why. Well, as you would expect, my bank couldn’t comment on a transaction they had never seen. Strangely, my Zelle app changed to showing an outstanding request for money from previously showing a failed transfer. Next, I made a conference call with the other person, myself and Zelle. We got a different tech support person who said the transaction had occurred and again to call our banks if there was a problem. I momentarily lost my mind with Zelle tech support and used some harsh language (sorry). Again check my Zelle app and it’s changed Again, I check my bank account and as if by magic the money appeared in my account, albeit ten days late. As a caution to everyone who uses a debit card to receive money with Zelle, you will be charged an ATM fee for the transfer. In summary:
-the money was somewhere for 10 days.
-this took 3 hours of my life I’ll never get back
-the tech support is in the Philippines. Yes, they speak proper English, but appear to be completely untrained except to tell you to call your bank because Zelle was not the reason why things were screwed up

To Zelle, your app for iPhone is not stable or reliable and your tech support personnel working at 9pm CDT are untrained. Even though they said there was nothing they could do, magically the app display changed three times and the money arrived in my account, albeit 10 days late. The last app display showed a new request from me to the other person for the original amount that I did not generate. Zelle tech support removed that spurious request. Myself and the other person were watching both our bank account and Zelle displays in real-time while we were on the conference call with Zelle so we saw what actually happened. Glad this was not a big money transfer.

BE PREPARED FOR PROBLEMS WITH THIS APP ON iphone X.

Good luck to all of you who someday wish to take your Zelle “privileges” to another bank that is off the “known banks list” using your debit card and same phone number. This company uses a trash security system that quizzes you on randomly generated and illogical/false information pertaining to your identity, probably from some third party company. If you have any issues with the app and want some help from “support” you may get redirected to a higher department (fraud team) where they will give you the “security quiz” to “prove” your identity. Good luck passing a test you are completely unprepared for every single time you take it (I know because I have failed my own test multiple times! Smh). The trash test will ask you colors of your car and then present answers that the dealer didn’t even sell it to you as. For example: Champagne Silver is not Silver, nor will I or anyone with color vision call my car Silver, and yet this “seems” to be the correct answer generated. They will also provide me more logical answers like Tan or Gold, but do you see the issue here?! Now once you fail the test they will then PERMANENTLY LOCK YOUR ACCOUNT, for a duration of what their “support” said and I quote, “could take weeks”. So now in my case, I desperately need to send someone money, i have been on the phone with “support” for an approximate total of 2+ hours of my time over the course of 2 days, and I am no longer eligible to use a reputable bank’s (TCF Bank’s) debit card on my account which I had previously had set up and was working with this account before. Before this, I simply deactivated the same debit card on the app, because I only have one phone number with data plan, and I wanted to use the same number with a different bank, but now plans changed and I wanted to use this card again. Instead they treat me like some “stranger danger”, because of some bogus quiz and PERMANENTLY LOCK ME OUT OF ZELLE MOBILE APP! I turn to these jerks for help, but before they can provide some, I have to take some broken, illogical, random quiz with answers that the “support” cannot even pronounce to me, and I have to guess every answer right out of 5 or more questions in order to get “help”! What a joke! How pathetic?! I am so angry right now over a faulty product/service. Let me go waste my time now working to free up my other Zelle accounts with 2 other banks (Linked to the same person, ME) that are on the list, in order to use this goofy app through the banking web. What an inconvenience?! 0 stars really..

Zelle is an awesome app what I love about it the most is it does not ask you for sensitive personal information such as Drivers License or Social Security Numbers and it’s security is the best at protecting your personal information and not to forget to mention it’s free! Zelle is the best for sending or receiving...once you download the app it may take up to two days for both banks to make connection (know each other/the sender & receivers banks) especially if you download app on weekend late Friday through Sunday non business hours...but once banks have connected the second time you two both send or receive money it’s within seconds! I love Zelle so much that I’m writing a review and usually I don’t do reviews and lastly which is why it’s excellent you are the only one who sees your bank link information (card/account you linked to Zelle) it only shows you not anyone else it shows you which card/account it’s about to take funds from and only shows you the last four numbers it’s that secure...the other nice accommodations it does use your contacts/phone numbers you want to send or receive funds and most important it always shows you for security a prompt asking are you sure you are sending to the correct person and shows you the persons contact information phone number & name of person who you will be exchanging funds with one more last time to confirm before Zelle sends funds which none of the other apps I tried out confirmed that last time! Zelle also does send a phone Tex confirmation to person receiving funds to accept funds...and when you go into your online banking page/Mobile banking app it shows all activities...
I believe everyone should use Zelle’s app they do not change what’s required to send or receive funds each time you want to send or receive money like all the other crazy cash apps or like Walmart having to put you Drivers License information each time you go to them not to mention the fees the sender has to pay according to the state location you are sending funds and the same long lines you have to wait on with the people with Walmart returns! Zelle is linked to various banks as well as some Credit Unions they are linking up working with more Credit Unions to come on board...Zelle’s so secure I believe that’s why lots of Banks use Zelle and if Banks use them I’m on board forevermore! Zelle is an awesome app & user friendly you cannot ask for anything more of an app...just one thing Zelle...Please Do Not Change the way to send or receive fund your set up is excellent & Perfect!

I will save you a read and say first: do NOT trust Zelle with your money.

In mid-December, my friend sent me $200 through Zelle. After some confusion/frustration in the beginning I did receive the 200 5-6 days after he sent it and it was in my bank account. Cool, everything is fine, whatever.

After not opening/touching/even thinking about Zelle for over a month, $200 is subtracted from my bank account at the end of January. The deposit and withdrawal is in my bank statement, both labeled Zelle Visa money transfer. I had less than $200 in my account so it became negative. Since I was clearly not expecting Zelle to randomly take back the 200, for a few days I didn't know my account was negative. So I rack up about $100 in overdraft fees.
I discover it, physically go into my bank to confirm it was from Zelle, my bank tells me yes, that's very strange you need to talk to them about it.
I call Zelle, the person pulls up my account and sees the 200 deposited in December and no other transactions. He tells me Zelle isn't capable of taking money out of my account randomly, I must be mistaken, it was not from Zelle. He tells me it's out of their hands, this is an issue with your bank.

I check with my friend, he does not have the 200 back in his account.

I physically go back into my bank and update them. They decide to begin a dispute because clearly something is wrong. Then they realize, they can't dispute it because Zelle deposited the 200 originally as a "credit voucher" and not just a deposit of money. My bank says it's now out of their hands because in a way there never really was the 200 in the first place, I need to call Zelle. They print me out statements for proof that Zelle put in then took out the now Ghost $200.

A weekend passed between bank visits and I have a few automatic payments attached to my bank account. There is now $270 of overdraft fees on my account.

I call Zelle again, they explain to me they do not hold any money, and are only responsible for sending and receiving information between banks. Makes sense.

The 200 is not in my friend, the sender's, account. We call the senders bank. They see the 200 sent to me in December. It is now not in his account, it is not pending or on its way back to his account. They see the 200 leave his account in December like normal and everything looks fine, nothing else from Zelle. It's out of their hands.

I don't believe Zelle is purposely stealing $200, but where in the world did this $200 magically disappear to.

Do NOT trust Zelle with your money, this has been an incredible inconvenience and hassle from the beginning.

I tried for 45 minutes to get this ridiculous excuse for a "money managing tool" to work and accept my bank(s) (that's right two different financial institutions that I am in good standing with and are internationally recognized). It's all a waste of time first thing you've got to be very attentive and make sure that the information you've painstakingly entered hasn't mysteriously disappeared when you go to another "field" to enter more info. Like they ask for you debt card info, it's all in one page/form so the first "field" is the card #, you put that in then it's on to your first name then the last name, next is the expiration date and then of course the security code, so by this time you have moved far enough down the form that the card # field is no longer visible but (spoiler alert) it wouldn't matter if you could see it because it's magically vanished into binary code written with disappearing ink pphffftt... gone And it'll only take three or four attempts to figure this one out! Well after 20 min. Or so of feeling like you may need to go check the mirror to make sure there isn't any crayon stuck in your teeth, eureka you've cracked the code and get to move to the next level! So upon arriving at king bowsers castle you'll notice it looks very familiar and may have to shake away a case of the déjà vu's and just focus on entering your billing address attached to your debt card. Fortunately they don't like new tricks over at zelle so you catch on fairly quick to the game, so you put your street address in first and then I suppose in an attempt at streamlining the process so they can get to their "gotcha you [censored]" moment that I assume is the true underlying purpose of this app, they skip straight to the postal code so enter your postal code, go for it you nincompoop, it'll let ya and even populate the very next field for you (boy your on a streamlined rocket ship headed for planet imbecile now!) with your postal code and some random letters (mine were cza followed by my postal code) that have no correlation to the city you actually live in, so go ahead and delete that info I dare ya! If ya do, you go straight back to GO and don't even think about collecting your $200 you mental midget. Or better yet go ahead with the info the way they put it in on your behalf that way you get to stare at your phone screen for the next 15 minutes while zelle (which I assume is short for gazelle, which is the equivalent of giving your morbidly obese class mate the nickname "tiny") "verifies your info is correct" but they already know it's not because they make every attempt to ensure that it's impossible to enter correctly, I'm pretty sure this process is directly linked to and possibly even the official cause of death of the late great Stephen Hawking. I suggest someone send and invite to this app to our pretender in chief ASAP, let's go Brandon! I would rather let Sam Bankman Fried handle every Penny I have and maga ask my attests then to trust these buffoons to be accountable to pass gas let alone my money, get a life zelle, and y'all I implore you use the pony express, or send a money order down at the local Walmart keep there fools on the outside of your wallet (assuming you ever crack the code to rescue the princess and gain access to the app!

I work freelance and a client tried to pay me with Zelle. I got a text notification stating that I’d received a payment with a link to create an account. I followed the link and created the account but there was no sign of any payment. I called Zelle support and was regrettably informed that payments sent to people without accounts are *notthen forwarded to the account they create, but remain stuck in some kind of limbo (“out there”) until canceled or expired in 14 days. I thought this had to be some kind of misunderstanding, but was assured by support that this was a known issue that they dealt with commonly.

I can’t underscore this enough: Zelle *knowsthat payments sent to new users must be canceled and resent once they create their account.

Further, the sender has *noindication that their payment is (knowingly!) destined for failure.

The recipient, once finally calling support, is then advised to contact the sender and request that they cancel the payment and initiate a new one.

Forcing this kind of legwork on the recipient is unthinkable as a business practice. I’m not even being hyperbolic: trying to explain this to my client was nearly impossible. As far as they were concerned the money was gone from their account. If they have any sense at all they must assume I made an error and didn’t know what I was doing.

Just *thinkabout the level of willful incompetence it takes to ship and market a service like this with an issue like that at its core. For an enterprise solution in 2019 this qualifies as fraudulence.

Not wanting to risk another failure I asked my client to use Venmo instead. They informed me that Bank of America’s small business payroll service outsources paperless payments through Zelle. So unless I wanted them to mail me a check, it would have to be through Zelle. Annoyed as I was, resending the payment was still a better option. Or so I thought!

My client agreed to cancel the payment and sent a new one. Again, it sent without any sign of failure on their end. 15 minutes went by without notification, so I called Zelle support. It took nearly an hour this time to determine that Zelle no longer accepts payments from business accounts (as of May if I remember correctly), and because this was sent from a business account it was “lost” again (“out there,” in limbo) and there was nothing to be done but cancel the payment or let it expire in 14 days. Again, note that neither the client nor I received any notification of any of this.

Morbidly curious I asked if this might have been what caused the first failure, but was again assured (I still can’t believe it) that these were separate issues, the first one being exceedingly common and dealt with all the time.

6 days later I got my check, 8 days later it cleared.

I have no idea if BOA still uses Zelle for its small business accounts. I would think they’re a large enough client to be informed of these policy changes.

I suspect the only reason why a major financial institution would use Zelle is to inculpably add another layer of delay before releasing your money.

And according to wikipedia, Zelle is owned by “Early Warning Services, a private financial services company owned by the banks Bank of America, BB&T, Capital One, JPMorgan Chase, PNC Bank, US Bank, Citibank and Wells Fargo.”

So there you have it.

My heart goes out to Zelle support. Hard working, wage-earning people having to shoulder such an absurd degree of controlled and intentional negligence.

There was an issue with my bank, a debit of $500 via Zelle. I called immediately to dispute, and was told that it was a valid charge, since it was through Zelle. If it is through Zelle, I obviously authorized it, right? Nope. I created an account January , but never activated it. I called customer service, and was told there were no transactions on my account. Duh. I need that in writing for my bank. I was told to email customer support, because they can’t do that over the phone. So, I sent an email ticket explaining the above. The response I received was that they wanted to help, but I had to call their 1-800 number. So, I did, again, and was told, again, that the rep could not help me, but that it was another department. She gave them my info and said to give it 1-2 business days. I did, and never received anything, so I sent another email to follow up. I still never received anything. So, I called again for the 3rd time, and the rep kept screwing up what I was saying. She “confirmed” that I was requesting $500, then she said my card on file was invalid and that I needed to update it. Completely irrelevant. She put me on hold a few times, and each time she came back, my concerns were twisted way out of context. I made her put me through to a supervisor. This person told me he could not help me, but that I had to email customer service. I told him I had already done so 3 times. He promised this would be the last time, but to make sure to be as detailed as possible, and to let them know I spoke to a supervisor. I did. I included all of that, and never received a response. I am blasting this here, and all over social media. I racked up over $200 in overdraft fees because of this, and need proof for my bank. This is a simple request, not rocket science. DO NOT EVER USE THIS SERVICE! I have never had issues with PayPal or Square. Use them. Unless you like to be jerked around, and have money to lose. In that case, by all means, use Zelle.

My final email from a week ago:

There was a charge of $500 from Zelle for Tyquell Mackins to my bank September 24. I called my bank immediately to dispute the charge. I was told the charge would be placed on hold, but it was not. It was allowed to go through and accrue over $200 in overdraft fees. I filed a formal dispute. The dispute through my bank came back as a valid charge, since it was through Zelle, and you are a secure website. My bank states that I obviously authorized the charge because it was through Zelle, and that if I had further questions, to contact the merchant. I called Zelle customer support on October 2. The customer service representative verified that there was no transaction, and told me he could give me nothing in writing, but that I had to contact you via email support, so I did on October 2. I relayed the information to my bank that there was no transaction, but they said they needed proof from Zelle in writing that there were no transactions. The following is my email to you on October 2:
“There was a $500 charge to my bank account for Tyquell Maskins. I don’t know who this is, nor did I authorize the charge. I filed a dispute with my bank, but they said it was a legit charge since I have authorized it through Zelle. I don’t recall ever creating an account. Please look into this and provide me something in writing so that I can prove this fraud to my bank.”
On October 4, I received a response from you stating that you want to help, but that I had to call your 1-800 number. So, I did. AGAIN. And, I was told by the new rep that she could not give me this information, that it was through a different department. She reached out to them and told me to give them 1-2 business days. So, I did. By the end of the week, I had received nothing. So, I sent another email communication to follow up. I have received nothing. So, I called AGAIN (3rd time) today, October 13 to follow up. I spent over 20 minutes repeating myself to the representative. She wanted to get my new card information. Then she said I requested $500. Then, she needed the last 3 numbers on the back of my card. She put me on hold, only to come back with the information all wrong again. I had her put me through to a supervisor, and told him to listen to my phone call. I want you to listen, as well. It is ridiculous that I had to repeat myself so many times and she still could not get it straight. Your customer service is terrible. The supervisor told me to email one last time, and give you all the information. So, I am. For the THIRD time. I am reaching out, telling you that I need something IN WRITING from you that there have been no transactions on my account. Or, even, a transaction history. I need SOMETHING stating the $500 charge never occurred. There is now over $700 at stake, and my stress and frustration levels are through the roof. My bank is Woodforest National Bank. I will give 2 more business days. If this is not resolved, I will blast this incident all over FaceBook, YouTube, Twitter, Instagram, and any other social media I can get my hands on. Enough is enough. This is not a difficult request.

6pm. I get an email that I’ve been sent some money for my birthday. My bank isn’t listed so I begin the process of entering my personal information to sign up along with my bank card number. I am then at the screen that says enter authorization code. I have waited 12 minutes,then 15 minutes I press the resend code thinking OK it didn’t get to me, 18 min, pressed it again thinking something is wrong, 22 minutes I got it I put the code in and then get a notice that I have been logged out due to no activity. OK so I log back in and I have to start over again so I put everything back in and I tried to put the last coat back in but no it wouldn’t let me do that so I’m waiting again this was done four times. So I didn’t call the 800 number. I get a young lady whose name is Kate and she has a very thick French accent and I’m wondering is this a French company that did this app so I explain to her what when I own that it was taking over 20 minutes for me to get each authorization code and when I would try and put the codes in it would not let me continue on because there had been no activity on my account for too long so I would have to log back in. I explain to her I had to do this one too many times well she started telling me that I needed to enter and I could not understand what she was saying and kept trying to get her to tell me and still could not understand her so I finally said how about this let me go through the process again to try and get this code so you can see what is happening and she said OK and I told her that I had already done this four times. So I even spoke to her each thing that I was doing and that I had gotten to the screen that said enter your offer authorization code. She said OK will wait here and see. I asked her during this time where was she located and she told me in the Philippines, great and I just left two companies not wanting to do that much business with them anymore because they source their work out to the Philippines instead of two Americans. Finally she says it’s been to long and she timed it and it was 23 minutes and she said it had been too long, (this code actually did not even come in until 8:40 PM). So then she started trying to tell me once again and I finally understood what she was saying to type in unstop and I explained to her I could not type in a word in this area that it would only allow me to put in numbers. That there was only a keypad for numbers and this was for me to put in the code and she said yes put in the code un stop. And I am once again said Kate that was her name I can’t because this is the screen where it was waiting for me to put the code in that we still have not gotten and it’s only numbers no letters. I said do you want me to type the number that corresponds with each letter and she said no type in the word un stop. I kept thinking maybe she’s not understanding me so I tried to explain it another way well I’ll be damned if her sweet cheeks didn’t hang up on me. So I called back and Yep I got the Philippines his name was James I could understand him fairly well and he seemed very understanding of the situation and said I’m going to give you a case number and I’m going to transfer you to someone that is above me but I will also give you that phone number in case we get disconnected. So I was eventually transferred to a gentleman in Arizona by the name of Mark who spoke perfect English ye, and I began to tell him the whole story. Well after I explained my story to Mark he asked me was I using Wi-Fi and I said yes I’m at home I’m in a very sketchy area that does not always receive enough bars for cell phone use but my Wi-Fi is very good I’m looking at everything right now and it’s fine and I’ve yet to receive this fifth authorization code which by now this is around seven something I’m guessing. Well he says that this app sometimes does not work very well with Wi-Fi and I said well it should because I know I can’t be the only person that lives in an area that has very sketchy cell service and there are those of us who do use prepaid phones like a lot of people that are on Social Security like me who need to save their pennies. And he said well I’m afraid you’re probably going to have to drive to where you got some good bars so that you can try and do this then and turn your phone off and then try and do the process over. I said well that’s just not right I said I may have to drive anywhere from 3 to 5 miles just to get one bar let alone the little bit of gas that I’ve got to use when I’m having to watch my pennies on that. This is something that your company needs to look at, not everyone is on unlimited data, not everyone lives where they have good cell service. He also informed me that I might have trouble signing in for the fifth time because it does freeze out those that have put in too many times and they are permanently frozen out. But he said that my daughter will be able to get her money back and I said well this will be up to my daughter but really do you have an iron too many points with me and I will be making a complaint and letting people know that if you have to use Wapa then you might not want to use this company and I am an AARP person so I might even have to complain with them so as to warn all of the other 50 and over people. People that try and watch their money. So I hope that you pass all of these suggestions I on about Wi-Fi and that not everyone uses unlimited data cell phones and that you need to forewarn people Don’t do this too many times or you might freeze yourself out and if you have an issue with dealing with outsourced Philippines employees don’t call our 800-number after hours. And I told him I said y’all should suggest In his stead of outsourcing give people on unemployment I job and work from home save an office desk a large power bill and hire Americans. But thank you Mark you have been very helpful

sound credit union file a early warning services against me ,, a angry employee who constantly harassed me by phone and is still harassing me and stalking me, i have not written any checks for at least 12 years. I havent filed for credit either for at least 12 years ,,I never file for credit i just never do,, but sound credit union but my name in early warning services

So I was sent some money with this stupid app. It sounded like a simple and good app. Ohh boy was I wrong. First off it locked up my bank account and I am having to go through their fraud service to get my account unlocked! So that right there should tell you not to use this app. I then called the customer service because I couldn’t even log back into the app after initially setting it up. Over an hour and 15 minutes of my life is gone thanks to their HORRIBLE non-US based customer service. Deleted the app and canceled my account with them and told the person to mail me a check.
STAY AWAY IF YOU ARE SMART!
I WOULD GIVE ZERO STARS IF I COULD!

Downloaded this app but it would not allow me to add my debit card. They provided me a customer service number to call. After waiting for thirty minutes, a rep told me they'd fix it within 24 hours. Nothing happened. I called back the next day and was left on hold for, basically, the whole day. I left messages; no return calls. Finally, got a call back and was told their service was not compatible with other debit cards. I asked them and I'll ask any user: Is that fact suggested/implied/admitted in any of their ads or promotions? They are just lying about their product, plain and simple, because they know how inferior a product it is to Venmo.

This app used the contact information from my phone to make spam calls to people I know. Obvious contacts, such as Grandma X or Grandpa Y got phone calls saying I was in an accident and needed money. This is the only app I have ever shared my contacts with and It happened in less than 24 hours of downloading. This app is compromised garbage and should be blocked from the store.

Edit: To be clear, I would hope that is not what Zelle would use my contacts information for. This was the only app that had access to my contacts. Either Zelle sells that information to 3rd parties or someone has ‘hacked’ this application. Don’t take the risk, stay away from this app!

First of all I would like to say that all these bad reviews are from dumb people who don’t have a clue how things work. Zelle is the best app to move money from bank to bank ever. It’s easy, clean and free. I send money/receive instantly. Zelle developers please keep up the good work and don’t let these bad reviews hold you down, you have made an awesome job. I love it!

EDIT: This is the worst company ever! I used to love it but suddenly It stopped working for me. I call customer service and they told me I was not compatible to use Zelle anymore and I asked them why and their answer was “We don’t know”. Stay away from this, they will eventually close down and steal all your money.

I’ve had money sent twice, but according to this app, my debit card (one of the most common in the entire US) is not eligible. Try getting the money returned to the sender, and that’s also next to impossible. So my question, where the heck does the money go when it’s sent, the receiver’s visa debit card is “ineligible”, and the money doesn’t come to me, and it doesn’t go back to the sender automatically or at least within reasonable efforts. Terrible. I guess Zelle can pocket some of the left overs and still yet...how is a Wells Fargo Visa debit card ineligible?

***Don’t use if you have Wells Fargo Visa Debit***

Just use venmo. I’ve never had a problem with them and I’ve tried Zelle twice now to no avail.

Someone used this to send me a payment. I had to download this app and neither of my banks were on the list. I had to take a photo of my debit cards and give the app all my information including the CVV. After at least 4 tries, I only got the same rejection notice--a stupid lame excuse like "can't process now try later." I didn't want the stupid app, I just want my payment! I am outraged that this thing took all my information. Because other reviewers advised that calling on the phone would result in being on hold for most of my remaining life, I chose to send a message to the developer using the link here in the App Store. No reply yet. If something goes wrong with my bank accounts I guess I know who to blame!

Very little thought went into development of this app. The only reason it got one star is because I can’t use zero star. I am told that zelle will be closing down the clearxchange site and they want users to sign up for zelle but they have provided no way in the app to transfer the existing accounts. Calling the support number is totally useless as you will stay on hold for a whole day listening to elevator music with no response. The app will not accept debit cards based on no logical reasoning and will lock you out automatically for days just for attempting to sign up. There is no way to go back in the app to change any information. Totally useless and a waste of time. This happens because they are trying to do this on the cheap.

This app only has the big banks which is kind of obvious because they're the majors. I can't imagine this app having every local bank on their list.

My concern is, I have a local bank and it's asking me to put in my debit card info. Okay, I guess that's fine. I have one. But what if I wanted to send a money transfer to someone that uses the same local bank or another little bank that's not on the big boy list? Will my money be in limbo? I don't want to risk that. I'm not rich.

I refuse to use other apps like this because their customer service is horrendous when there's a problem. I guess I'd feel better if there was something in the description to put my mind at ease. Something that reassures those that use local banks/credit unions. Until then, I won't use this app.

I really like the idea of this service. It works well when it's built in to apps like Chase. But this app does not work. I get a login error every time I type in my phone number.
This app could be better than Venmo, it just needs a lot of work.
Edit: I reinstalled the app and I can log in now. Still can't register my email. I'll keep trying because I really want this to work.
Edit: Stopped working again so I had to reinstall. But it asks you to verify your CVV when you install the app. I don't carry that with me, so it's very annoying.
Please just make this app better.
7/27: I keep wanting this app to work well. What I want is an app that shows all my Zelle transactions and settings that control which bank I use as a default. Maybe this is unrealistic, but without something like this I'll never use the app and probably stick to Venmo.

Once you create an account, there’s a 50% chance you will never be able to log back in again. Max transfer per day is $300. Have an email address you are trying to send money to copied to your clipboard? This app will not allow you to paste it. And if you type part of it then switch back to another app to remember the rest, it clears your previous entry upon switching back to Zelle. Customer support is a joke. They will “promise to have a qualified technician call you back the next day” and 3 days later they have not called. This app is crap. If you are coming from clearXchange, I’m sorry, but this is NO substitute for that service. clearXchange is an absolute dream compared to this steaming pile of crap.

PLEASE NOTE: almost every 5 star review has been paid for by Zelle and their parent company Early Warning Services. Just read a few. See how “real” they sound to you.

It took several tries to get my debit card linked. Once it did, my landlord sent a request for my rent and when I went to pay it, I got an error "An error has occurred (101)". I thought I needed to refresh the app, so I closed it. When I went back in, it said there was an error logging in. I tried again and I got "An error has occurred (101)". I couldn't log in. I sent an email to the developers and haven't heard anything.

Today I tried again for kicks and got a login screen. It doesn't let you paste your password and since this app has direct access to my bank account I used a password manager to create a significantly complex password. Another fail. I typed in the password and was logged in. I thought something was wrong the other days so I tried again.

"An error has occurred (101)".

I promptly deleted the app. However, now the developers have my debit card information!

Who has more than one cell phone?

I have a business account at Bank A, which uses Zelle. I have a personal account at Bank B, which (intelligently) doesn’t. I initiated a transfer from A to B. I got an email from Zelle, telling me to download the app to receive my funds. When I registered Bank B on the Zelle app, it told me that I had entered an invalid debit card and had to use one for a registered account.

I called and was told I couldn’t have two banks registered with the same phone number. She acted surprised that I would have two accounts.

Without having a cell phone for each bank account, Zelle can’t transfer funds between banks.

The representative told me to buy a second cell phone to use with Bank B so I could use Zelle. (WHAT?!?)

The representative couldn’t tell me how to get the funds back. She can’t refund the money. The funds have left Bank A, so they can’t cancel the transfer.

Is my money gone for good? She couldn’t tell me. Is this how Zelle makes money?

With the influx of people from Puerto Rico and family members trying to send money after hurricane Maria devastation, this is a huge fail. Zelle doesn't recognize PR mobile phone numbers and classifies them as "invalid". AT&T, T-Mobile, Boost, Sprint, Cricket to name a few all treat Puerto Rico just like any other US domestic phone.

Folks, Puerto Rico is part of the US banking system, all federal financial & banking laws are applicable in Puerto Rico, they are part of ACH/ETF Routing as with any US bank, deposits are FDIC insured, FannieMae and VA loan guidelines, Money Laundering laws, etc. But if you have a Puerto Rico mobile phone, EVEN if you live in Florida or New York, you can't use the Zelle App because it says numbers with 787 exchange are invalid. Incredibly short-sighted and mystifying. The mobile phone number should be irrelevant as 787 is part of the US as well.

To sum up, don't bother with Zelle if you live in Puerto Rico or have a PR phone number even living on the mainland (as I did for 5+ years).

I have never written a review for any app, but this one takes the cake as the worst app I’ve ever used. I have been waiting on a deposit into my bank account from a Chase bank user (I guess they have some kind of partnership with Zelle now). This app is the most confusing thing I’ve ever used, there are no clear directions on how to receive money, when you will receive it, etc. I’ve waited the past 4 business days to receive the deposit and NOTHING. I went back into the app this morning to figure out what’s going on... and i saw a little teeny tiny print at the bottom of the page that quietly said please turn on emails to receive payments... ARE YOU SERIOUS. This is just a horrible set up. I received my money ten minutes after turning that setting on. After four days of being under the impression the money would appear in my account automatically. I’m in shock right now with how horrible this app is. ZELLE IS THE WORST. Confusing, Sketchy, bad bad bad. If someone requests to send/receive money via Zelle say HELL NO. Stick with Venmo

I was forced to cancel ClearXchange and download Zelle to make my normal payment and couldn't even accomplish the goal. What was the point in changing to a service that doesn't have half the network and resources that ClearXchange had?

I can't use Zelle on a desktop computer. My Credit Union isn't in this network. There is a $300 limit when the bank isn't in the network.

Now, a note payment that I've been paying for 6 months with ClearXchange I'll have to send via snail mail because Zelle is an incompetent company with no benefit to using it unless you are a young adult lending money to friends. People with real business to do can't use this app. This app is for child's play.

Customer service is a joke. I waited 20 min on hold to be transferred to some guy (who sounded overseas) who didn't even know how the app works. He had to check resources for every question I had! I had to ask my question 5 different ways before he was able to tell me that since my bank is not in the network I can only send $300 to a recipient.

This app is worthless. A huge downgrade.

This app is horrible. At first it seemed good when I set it up and was able to receive money instantly. But when I needed to receive money again it wasn't working, than I tried to send $1 to who I was getting it from to test it and it wasn't working for me either. So at this point I contacted the support number for Zelle and I was on hold waiting for 40 mins just for someone to answer. The woman who assisted me was helping and said I needed to speak with a high up department and for me to have the person who was trying to send me money on the line too so they can fix it on both ends. I had my case number and everything should've been simple. But of course the guy who answers was very rude and was saying that one had to go to tech support and the other could be helped and that we both had to have case numbers and this full extensive process which was so unnecessary. The person who was trying to send me money ended up upset and stating she was just going to use western union cause it wasn't worth all this hassle just to fix a simple issue. Even though western union charges its worth it cause at least your not dealing with the crappy app. Not worth it don't download

This App is a complete waste of time. The customer service is actually piss poor. I’m surprised by all the negative comments that Apple allows this to still be on the App Store. After trying to start an account by downloading the App, I tried to add a debit card, after multiple attempts the app says account locked call customer support which is a joke, they literally just documents the case then pass it on to level 2. (That’s customer service for you) then I spoke to a level 2 who told that there was nothing wrong, and to try again. I asked her to wait while I tried while she was still on the phone. She said okay the 30 seconds later stated that if I have any more problems to call back. Mind you in took an hour to get to her. And of course same issue. I call back and same issue hour plus wait time, so this time the level 1 gives me another number to call in the morning, I suppose because they’re close to closing. Low and behold I get the same level 2 who has me explain yet again, then after I finish says I worked on this account yesterday, sorry nothing we can do contact your bank. I already have and then she I ask what is the issue, avoid using this app anyway, urge your bank to stop using them as well. Bad App and horrible customer service.

Wishing I had seen these reviews before using the service. They’ve backdoor’d with the banks...so I sent money a couple of times via my Capital One account not really realizing I was using a third party app...or checking out the service. Sending appeared to work although Zelle was incredibly slow in delivering the cash to the recipients accounts. The money was gone instantly on my end but recipients state that it took 3 to 4 days to hit their account. Now a friend has sent me money and being on the receiving end, I can validate that I am 4 days in and still no money. If the experience were to end there, not to terribly offensive...but it doesn’t. . I reached out to my bank, who stated the transaction should take 2 to 3 days...I should contact Zelle. I contacted Zelle via their site, completed a contact form and instantly receive an automated reply telling me I should contact my financial institution. With a pretty substantial amount of money floating around out there, I get a bunch of finger pointing? Not good. We are just waiting now for the funds to be returned to the originating account so my buddy can write me a check. I won’t be using this service again, nor can I refer it to friends.

A note to the developers in an effort to save you a little time...I see a lot of “I’m sorry’s” in response to these reviews. After nearly 300 reviews, with an average rating of 1.8, my belief is that if you were genuinely engaged, you would have fixed the issues. It’s clear that you’ve incentivized the major banks and that strategy is working for you. Rest assured that just because Capital One offers the service, in no way means I will use it.