Complaints

This profile includes complaints for Early Warning's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Early Warning

  5801 N Pima Rd Scottsdale, AZ 85250-2635

  
• 

  Early Warning

  8745 W Higgins Rd Ste 240 Chicago, IL 60631-4020

• 

  Early Warning

  275 Sacramento St San Francisco, CA 94111-3810

• 

  Early Warning

  447 Battery St Ste 200 San Francisco, CA 94111-3235

• 

  Early Warning

  16552 N 90th St Scottsdale, AZ 85260-1619

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:05/30/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I completed a money transfer using Zelle system on5/29/24 for $800.00 from ************* to a Zelle subscriber at ********** I received a confirmation number VBA1Y2UGD and a transaction number ID for the transfer DFS0VBA1Y2UG. The received at Chase did not received the funds. I called my bank and was told the funds transfer over and I had to call Zelle. I called Zelle and they say they do not handle transaction and I need to reach out to the institution for resolution. Well I was provided confirmation number and transaction number and Zelle say they only electronically send the money through., I have in the past seen when transaction were pending with Zelle and my bank was able to reverse the charges. Once Zelle accepts the transaction the bank cannot reverse the charges I was told only Zelle. I have provided the number and the company should be able to confirm if the funds actually reach the ************ As of today funds did not go to the Zelle recipients. The transaction was Zelle using ************. Zelle should be able to confirm this is a Zelle subscriber. I just would like Zelle to return the funds to the sender. If ***** have not received the funds then it is hanging in Zelle system.

• Initial Complaint

  Date:03/10/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Today I was framed by your company out 0f **** dollars. I was approached online with someone attempting to purchase an item I was selling on Facebook. The person sent me 25 dollars that was pending and I then received an email from *************************** explaining how I get the Money released. I was then asked to send multiple amounts to different accounts and numbers and then finally asked to purchase a *** dollar apple gift cards. I cannot believe you have this rating with all the scamming you do. I contacted the real ZELLE and they informed me that this company and email is impersonating them. I also contacted the FBI to report this fraudulent behavior.

  

  Business Response

  Date: 03/14/2024

  Thank you for contacting Zelle® about your recent experience. This letter is in response to your BBB
  complaint, received on March 11, 2024.   
    
  We apologize this occurred and understand that the situation must be very frustrating. Zelle® takes
  reports of this type of activity seriously. We work with our participating banks and credit unions to
  investigate reports of improper use of Zelle®. Please note a thorough review was completed and
  appropriate action has been taken within the Zelle Network®. To further assist with this matter, we have
  forwarded your complaint to your bank/credit union for review.   
  We called you on March 12, 2024, to gain additional information regarding this matter but we were
  unable to reach you. Based on the attachment(s) you provided with your complaint, we can confirm the
  email(s) did not come from Zelle®.
  Once you authorize a payment, a refund is not guaranteed, which is why we always advise people to
  treat Zelle® like cash and only send money to people they know and trust. Zelle® proactively warns users
  that they should be sure the payment recipient information is accurate before they authorize sending
  money, especially when sending money to someone for the first time.
    
  We understand that you would like Zelle® to issue a refund of the money that was sent, however, you
  authorized the payment and it does not qualify for reimbursement.

  Customer Answer

  Date: 03/18/2024

  I was scammed using Zelle. You can't get ahold of anyone to report the fraud, as soon as you call and mention that you were scammed you are immediately transferred to your bank. I've already reported the Fraud to my bank and have to wait 45 days to get my money back. These people not only scammed me through ZELLE but also hacked into my ***** account transferring themselves hundreds of dollars. This is all for an item that I never even received. The business has not refunded my money, nor has it made any effort to do anything beyond call. I work 9-5, so responding to a call is difficult. I just want the business to return my money and do something about their business being used to scam people out of their money. 

  

  Business Response

  Date: 03/21/2024

  Thank you for your reply. This letter is in response to your BBB rebuttal, received on March 18, 2024.
  We take this type of activity seriously and investigate improper uses of the product. We can assure you
  that an investigation occurred, and appropriate action was taken.
  Zelle® does not hold or handle any money. Zelle® provides messaging between the sender’s bank or
  credit union and the recipient’s bank or credit union to facilitate the payment between the two bank
  accounts, but Zelle® does not initiate or process the payment directly.
  It is important to note that when enrolling with Zelle® you agree to the User Service Agreement. This
  agreement outlines, at the beginning and in further detail in Section 11 (Liability for Sending and
  Receiving Money), that Zelle® does not offer a protection program for all authorized payments made
  through the service. You may review the referenced section and the agreement in full at:
  ************************************************
  We understand that you would like Zelle® to issue a refund of the money that was sent, however, we
  respectfully decline the request as Zelle® does not offer a protection program for all authorized
  payments. The Zelle Network® offers reimbursement for only certain types of authorized transactions
  that result from scam, but your situation does not qualify

• Initial Complaint

  Date:03/10/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was involved in a scam through the Zelle App. After contacting the app I was told that they do not protect consumers from scams but per their website they state that they refund on a case by case basis. They identified the bank that the scammer was associated with but are still refusing to issue a refund.

  

  Business Response

  Date: 03/14/2024

  Thank you for contacting Zelle® about your recent experience. This letter is in response to your BBB
  complaint, received on March 10, 2024.
  
  We apologize this occurred and understand that the situation must be very frustrating. Zelle® takes
  reports of this type of activity seriously. We work with our participating banks and credit unions to
  investigate reports of improper use of Zelle®. Based on the information you provided with your
  complaint, we can confirm the email did not come from Zelle®. Please note a thorough review was
  completed and appropriate action has been taken within the Zelle Network®.
  
  Once you authorize a payment, a refund is not guaranteed, which is why we always advise people to
  treat Zelle® like cash and only send money to people they know and trust. Zelle® proactively warns users
  that they should be sure the payment recipient information is accurate before they authorize sending
  money, especially when sending money to someone for the first time.
  It is important to note that Zelle® does not request money from consumers in order to receive money.
  To receive a payment, the recipient needs only to enroll their mobile number or email address the
  payment is being sent to. Once the sender confirms the payment and recipient’s information, the
  payment is typically delivered to the recipient within minutes.
  
  We understand that you would like Zelle® to issue a refund of the $****** that was sent, however, you
  authorized the payment and it does not qualify for reimbursement.

  Customer Answer

  Date: 03/14/2024

  I do not accept this. Everything I have read including your own website indicates that you are refunding people who are victims of scams. Even in speaking with your own customer service support, I was told that the scammers bank had been identified and contacted. There should be no question that you are able to retrieve those funds and return them to me.   Right on this site it states certain scams are refunded. ********************************************

  Having identified the bank that the scammed funds were deposited into should qualify this case. 
  

  Here are more reports that you have and will refund in scam cases. *******************************************************************************************************************

  ********************************************************************************************************************************************************************

  Do the right thing and refund this money. 

  

  Business Response

  Date: 03/21/2024

  Thank you for your reply. This letter is in response to your BBB rebuttal, received on March 15, 2024.
  Zelle® takes this type of activity seriously and investigates improper uses of the product. While we
  cannot provide information regarding another user or their Zelle® status to you, we can assure you that
  an investigation occurred, and appropriate action was taken.
  Effective June 30, 2023, our bank and credit union participants are required to reimburse consumers for
  certain qualifying imposter scams. We do not release the specifics on what qualifies. It is important to
  report all scams to your partner bank/credit union so they can review and determine if you would
  qualify for a refund. To further assist with this matter, we have forwarded your complaint to your
  bank/credit union for review.
  Both Zelle® and its participating banks and credit unions look for opportunities to educate and remind
  consumers on how to use Zelle® safely. For example, we advise consumers within the Zelle® App, on our
  website, and in the Zelle Network® User Service Agreement that Zelle® is intended for sending money to
  friends, family, and others they trust. If a consumer doesn’t know the person or aren’t sure they will get
  what they paid for (for example, items bought from an on-line bidding or sales site), we recommend
  they do not use Zelle® for these types of transactions, which are potentially high risk.

• Initial Complaint

  Date:11/29/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On Monday,November 20th,2023,I had received an e-mail from the ****** ********** Computer company stating that they were going to charge me ****** for their product that I NEVER authorized,& if I had a problem with the transaction, to phone an 1-800 number to try & recover the money. I phone the number, then was sent another e-mail telling me that in order to recover the money,I had to open my bank page,which I unfortunately,did,the next thing I know,these two people,****** ***** & ***** ****** ******,had taken $******& $******, respectfully from my account,& the transaction was done through ***** Service,similiar to ******,at no time did I give out my account information,but I guess the fact that I had opened the bank page,they thought they had the right to take that. I then shut down my computer & notified my bank of the errant transaction & they immediately froze the account,& advised me to contact their Fraud Department & forward any & all e-mails I had received from these hackers,which I did.I was then advised to have my computer cleaned out,& remit the receipt for the service rendered,which I did. I am very upset over this & would appreciate any & all information you can provide in this matter. Thank you, **** ******

  

  Business Response

  Date: 12/08/2023

  Dear **** *******
  Thank you for contacting Zelle® about your recent experience. This letter is in response to your BBB
  complaint, received on December 4, 2023.
  We are sorry to hear of this situation and understand that it must be very upsetting. Zelle® takes reports
  of this type of activity seriously. We work with our participating banks and credit unions to investigate
  these matters.  
  We called you on December 6, 2023, to gather additional information on the payments mentioned in
  your complaint. To further assist with this matter, we forwarded the information to your bank or credit
  union for review.  
  All payment records regarding your profile and payments made using Zelle® within your mobile banking
  application are maintained by your bank or credit union. It is up to the bank or credit union and their
  terms and conditions with their users regarding reimbursement of any payments made.  
  We recommend continuing to work with your bank or credit union regarding a resolution to this matter.
  Should they reach out to us, we will do our best to assist them.
  Sincerely,  
  Zelle® Support

  Customer Answer

  Date: 12/08/2023

  Hello,

         I have read the letter that you enclosed to me on December 8,2023,& while I appreciate the updates in notificatons,I am still hoping for a positive resolution:namely,recovering my money that was duped from me.

          A representative from Zelle,******,contacted me the other day requesting more information, to which I gave her both of the names of the persons involved in this horrendous dupe.

             ****** also gave me her cell number,which I am passing on to you folks;it is ************.

               Thank you for your continued action in this matter,& I hope to have it resolved quickly.

                                                  Very truly yours,

                                                                        **** ******

                                                                                 

  

  Business Response

  Date: 12/14/2023

  Dear **** ******,
  Thank you for your reply. This letter is in response to your BBB rebuttal, received on December 8, 2023.
  It is important to note that all payment records regarding your profile and payments made using Zelle®
  within your mobile banking application are maintained by your bank or credit union. However, to assist
  with this matter we have forwarded your rebuttal to your bank/credit union for review.
  It is up to the bank or credit union and their terms and conditions with their users regarding
  reimbursement of any payments made. We recommend continuing to work with your bank or credit
  union regarding this matter. We also recommend reviewing the Terms of Use for Zelle® with your
  participating bank or credit union regarding any payment disputes.
  Sincerely,
  Zelle® Support 

• Initial Complaint

  Date:11/24/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I hope this message finds you well. I am writing to bring to your attention a matter of utmost importance concerning an incident of identity theft and fraudulent activity on a **** ** ******* account. It has recently come to my attention that an account has been opened in my name without my knowledge or consent, and unauthorized transactions constituting fraud have been committed. I am taking immediate action to rectify this situation by reporting the fraudulent activity to the relevant authorities and working closely with my bank to resolve the issue. As part of this process, I kindly request your assistance in removing my name from the Early Warning Service associated with this fraudulent account. I understand the critical role your service plays in preventing and detecting fraud, and I appreciate your commitment to maintaining the integrity of financial systems. Please find the relevant details of the fraudulent account attached to this email for your reference. I would be grateful if you could expedite the removal process to prevent any further negative impact on my financial standing. If there are any additional forms or information required, please do not hesitate to inform me, and I will promptly provide the necessary documentation. I appreciate your prompt attention to this matter and your cooperation in resolving this unfortunate situation. Thank you for your understanding and assistance. Sincerely, **** ***** *********

  

  Business Response

  Date: 11/30/2023

  Thank you for contacting Early Warning. We are committed to providing a convenient and positive
  experience throughout this process.
  This letter is in response to your BBB complaint, received on November 24, 2023.
  Based on the information you provided in your complaint, we are initiating the dispute process for you.
  Under the Fair Credit Reporting Act, Early Warning and **** ** ******* have up to thirty (30) days to
  complete the reinvestigation of your dispute. Early Warning will notify you in writing of the outcome of
  your dispute upon completion.
  Given your statement of being a victim of fraud or identity theft, we recommend you contact one of the
  nationwide credit reporting agencies and place a fraud alert on your credit report.
  ? ******* * ******** * **********
  For more information on fraud alerts, you can visit the Consumer Financial Protection Bureau's website
  *******************************************). Also see the Resources for Victims of Identity Theft
  section on our website **************************************************************. We also
  mailed you information regarding remedying the effects of identity theft for your reference, on
  November 27, 2023.
  It is important to advise that we cannot unilaterally remove the record. We must include the financial
  institution that reported the record to Early Warning in the dispute process. Early Warning does not
  maintain account documents. All documentation is maintained by the reporting financial institution, and
  Early Warning works with the financial institution throughout the reinvestigation process.
  It is important to advise that Early Warning is not a credit reporting bureau such as **********, *******,
  or ********. Early Warning is a specialty consumer reporting agency. Financial institutions provide
  information to us about checking and savings account history. To dispute records that are present on
  your credit bureau report, please reach out to one of the credit bureaus for information on how to
  dispute those records.
  If you have any additional questions or concerns, we encourage you to contact us by phone at
  ************** between the hours of 8am and 5pm MST, Monday through Friday, excluding federal
  holidays. Our consumer services representatives are available to assist you.
  Sincerely,
  Consumer Services

  Customer Answer

  Date: 11/30/2023

  I have been unable to open bank accounts due to this erroneous entry, despite being a victim of fraud and not having opened the account myself. I kindly ask for immediate assistance in rectifying this issue as it is causing significant inconvenience in managing my finances. Your prompt attention to this matter would be greatly appreciated.

  

  Business Response

  Date: 12/07/2023

  Thank you for contacting Early Warning. We are committed to providing a convenient and positive
  experience throughout this process.
  This letter is in response to your BBB rebuttal, received on December 1, 2023.
  In reviewing our records, you currently have a dispute in process regarding this record, received on
  November 28, 2023. Under the Fair Credit Reporting Act, Early Warning and **** ** ******* have up to
  thirty (30) days to complete the reinvestigation (from the date received). Early Warning will notify you in
  writing of the outcome of your dispute.
  If you have any additional questions or concerns, we encourage you to contact us by phone at
  ************** between the hours of 8am and 5pm MST, Monday through Friday, excluding federal
  holidays. Our consumer services representatives are available to assist you.
  Sincerely,
  Consumer Services

• Initial Complaint

  Date:11/22/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Zelle claims to be a service that transfers money. But, they let me register, let me SEND money, but are not allowing me to receive money owed to me, and seemingly wanting to keep it by default. The only info we get from our banks is that MY number isn't, or can't be, registered, that I'm registered by email only. WHY would anyone register with you with only the ability to send? **** ******* the recipient of my zelle transfer(s) is unable to send two different transfers through you, and that money, which is mine (he'll confirm that,) should be returned to me. If you do not, you are being fraudulent, and everyone I know will hear about it.

  

  Business Response

  Date: 12/08/2023

  Dear **** ******,
  Thank you for contacting Zelle® about your recent experience. This letter is in response to your BBB
  complaint, received on December 4, 2023.
  We are sorry to hear of this situation and understand that it must be very upsetting. It is important to
  note that all payment records regarding your profile and payments made using Zelle® within your
  mobile banking application are maintained by your bank or credit union.  
  To further assist with this matter, we have forwarded your complaint to *** Bank for review. We called
  you on December 7, 2023 to gain additional information regarding this matter, unfortunately we were
  unable to reach you.  
  We recommend contacting your bank or credit union where enrollment occurred to discuss available
  options to re-instate your access to Zelle®.     
  Sincerely,  
  Zelle® Support

  Customer Answer

  Date: 12/08/2023

  Zelle keeps repeating a corporate gotcha line.

  They stole $**

  They refuse to pay it back because they are untrustworthy to do the one service they offer with my bank. To me, it has a scam element regarding enrollment, with alternating dates, avenues of enrollment, etc. none of which is coordinated from the outset. Do not use zelle.

  

  Business Response

  Date: 12/14/2023

  Dear **** ******,
  Thank you for your reply. This letter is in response to your BBB rebuttal, received on December 9, 2023.
  When a transaction has failed, the funds are generally returned to the sender’s account within 14 days.
  Zelle® is not provided the cause of payment failures. It is up to the sender’s bank or credit union and
  their terms and conditions with their users regarding the reimbursement of any payments.
  It is important to note that Zelle® does not hold or handle any money. Zelle® provides messaging
  between the sender’s bank or credit union and the recipient’s bank or credit union to facilitate the
  payment between the two bank accounts, but Zelle® does not initiate or process the payment directly.
  Additionally, all aspects of your Zelle® profile and transactions are managed by the participating bank or
  credit union where you are enrolled.
  We recommend continuing to work with your bank or credit union regarding a resolution to this matter.
  Should they reach out to us, we will do our best to assist them.
  Sincerely,  
  Zelle® Support

• Initial Complaint

  Date:10/03/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My son ******* ***** who is 18 years old had unauthorized transactions to his ***** ***** accounts via Zelle. He never gave permission and woke up one morning with all of his money gone from his accounts. $**** total. in increments. Wells Fargo denies any wrongdoing and Zelle is non responsive and no option when you call in. My son worked all summer to have money in his account while he starts college. Its all the money he has. Please help!! Thank you 3transactions below. You sent money to ******. Here are the details: Date 09/21/2023 From account ********** Amount $****** Fee $**** Confirmation code ********** You sent money to ******. Here are the details: Date 09/21/2023 From account ********** Amount $******** Fee $0.00 Confirmation code ********** You sent money with Zelle® You sent money to ****. Here are the details: Date 09/21/2023 From account ********** Amount $******** Fee $**** Confirmation code **********

  

  Business Response

  Date: 10/05/2023

  Dear ******* ********,
  Thank you for contacting Zelle® about your recent experience. This letter is in response to your BBB
  complaint, received on October 3, 2023.
  We are sorry to hear of this situation and understand that it must be very upsetting. Zelle® takes reports
  of this type of activity seriously. We work with our participating banks and credit unions to investigate
  these matters.
  It is important to note that Zelle® is unable to access or view your profile, bank account, or payment
  transactions. All aspects of your Zelle® profile and transactions are managed by the participating bank or
  credit union where you are enrolled. However, to assist with this matter we reached out to ***** *****.
  On October 4th, 2023, we were advised by your financial institution that their investigation has
  concluded and the funds will not be returned.
  We recommend continuing to work with ***** ******* online banking department regarding this matter.
  Should they reach out to us, we will do our best to assist them.
  Sincerely,
  Zelle® Support

  Customer Answer

  Date: 10/06/2023

  Zelle responded that they basically cannot assist and that ***** ***** has closed the case.  I already knew that ***** closed out our dispute that is exactly why I am reaching out to the BBB and also ******** ********* ********** *******  The reason why we use banks is to protect our money.  This is thievery and we need this resolved by getting our $**** back.  Thank you.

  

  Business Response

  Date: 10/10/2023

  Dear ******* *********
  Thank you for your reply. This letter is in response to your BBB rebuttal, received on October 6, 2023.
  Here at Zelle®, we strive to provide exceptional consumer support. We are disappointed to learn of your
  experience and of the service you have received in your efforts to resolve this matter. We appreciate
  you taking the time to tell us about your experience and understand that the situation may be very
  frustrating.
  It is important to note that Zelle® does not hold or handle any money. Zelle® provides messaging
  between the sender’s bank or credit union and the recipient’s bank or credit union to facilitate the
  payment between the two bank accounts, but Zelle® does not initiate or process the payment directly.
  Based on the information provided, this was an unauthorized payment that occurred directly through a
  partner bank. On October 4th, 2023, your financial institution advised that their investigation has
  concluded and the funds will not be returned. It is up to the bank or credit union and their terms and
  conditions with their users regarding reimbursement of any payments made. We recommend
  continuing to work with ***** ******s online banking department regarding this matter.
  Sincerely,
  Zelle® Support

• Initial Complaint

  Date:09/30/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Zelle payment and money transfer services are offered thru one of the banks I bank with *********** *****. Attempted to transfer funds for a purchase today (9.30) to another person I knew that has a Zelle account. Was within the daily transfer limit too. Kept getting an error that I could not transfer funds, even though I had m=sufficient funds in my linked checking to do so. Called CSR my bank and got the run around. Why does this app not function as intended?

  

  Business Response

  Date: 10/05/2023

  Thank you for contacting Zelle® about your recent experience. This letter is in response to your BBB
  complaint, received on September 30, 2023.
  We are sorry to hear this and understand that the situation must be very frustrating.
  Please note that there are limits to how much money you can send/receive with Zelle®, and send limits
  can vary by financial institution. Since you’re using Zelle through your banking app, please contact them
  directly to learn more about their send limits. We also recommend the sender's verify their sending
  limits with their financial institutions.
  It is important to note that Zelle® does not hold or handle any money. Zelle® provides messaging
  between the sender’s bank or credit union and the recipient’s bank or credit union to facilitate the
  payment between the two bank accounts, but Zelle® does not initiate or process the payment directly.
  If you are enrolled with a participating bank or credit union, please contact their online customer
  support team for assistance. However, if you have enrolled with the Zelle® mobile application, please
  call us for assistance toll-free at ************, seven days a week from 10 AM to 10 PM ET, excluding
  New Year’s Day, Independence Day, Thanksgiving Day, and Christmas Day. From outside the United
  States, call ************ from 10 AM to 10 PM ET, Monday through Sunday.
  Sincerely,
  Zelle® Support

  

  Business Response

  Date: 10/10/2023

  Thank you for your reply. This letter is in response to your BBB rebuttal, received on October 6, 2023.
  We are sorry to hear of the situation you experienced while using Zelle®. To further assist with this
  matter, we have forwarded your complaint to ********** ******** **** for review.
  Please note that when enrollment occurs with a participating bank or credit union, Zelle® is unable to
  access or view your profile, bank account, or payment transactions. All aspects of your Zelle® profile and
  transactions are managed by the participating bank or credit union where you are enrolled.
  We recommend continuing to work with ********** ******** ****** online banking department
  regarding this matter. Should they reach out to us, we will do our best to assist them.
  Sincerely,
  Zelle® Support

  Customer Answer

  Date: 10/23/2023

  too much finer pointing and blaming the inter financial party to this transaction. Why not just make sure this service works on both ends?

• Initial Complaint

  Date:08/22/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I used Zelle for several transactions and am seeking the money to be returned to me immediately. One for ****** from June 2023, and two additional transactions for ****** (July) and ******* (August) + additional compensation for not receiving the services I paid for, my dog came back sick and her expensive food had been spoiled. Despite the fact I asked in advance if I needed to get backs of ice or ice packs to keep it cold on the drive from ** - ******** with my dog *****. The company *************r originally emailed me back, then quit replying. Zelle is as useless as they come, and despite my bank usually being really helpful they haven't been helpful either. I paid for services that were not properly received. My dogs health after the trip was awful and she could barely walk for almost a month. She was dehydrated. She's a picky eater SO while that would be ok if they tried to feed her and she didn't eat, her expensive food went BAD. And nobody tries to reach out regarding this to assist: ************** and the dog transport service that was booked through **************. Then there was ******* for a service (room rental) the guy will not refund me and my bank kind of just lets it slide because they can't do anything? I don't believe that. But period I am not paying for things where I didn't get what I paid for. I'll be pursuing legal action against Zelle, the users who won't return my funds (I tried to request it back) I have legal representation, the guy who has ** + *** from me is in the *** and will get him reported to police and his job taken from him, and I will see to it that this all is returned to me. ************** needs to respond back immediately.

  

  Business Response

  Date: 08/29/2023

  Please see attachment. 

  

  Business Response

  Date: 09/05/2023

  Please see attachment. 

  Customer Answer

  Date: 09/20/2023

  As mentioned they scammed me out of a service, and I'm not thrilled. That's fraud. And I will take you on on legally if you don't assist. I will see to it Zelle employees that don't assist are all fired and homeless. See to it my money is returned at once.

• Initial Complaint

  Date:04/03/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I sent $3000 through Zelle on March 3, **** with a wrong phone #. My bank ( Chase) failed to recall the transaction and Zelle sends me back to chase because it is though their app that the transaction was concluded. Zelle transaction # ***********. Recipient name *************.

  

  Business Response

  Date: 03/23/2023

  Zelle LLP is a law firm that represents commercial clients in complex litigation. ******************************************
  ZellePay is a digital payments network owned by ************* Services. ******************************************
  Zelle LLP and ZellePay are not related.
  Based on this complaint, it is clear their issue is not with Zelle LLP. Indeed, Zelle LLP does not represent and has not represented this individual.