Zelle

Name: Zelle
Rating: 4.75096 (492289 reviews)

Finance

View in App Store

Zelle

Finance

4.8

492.3K ratings

Age Rating

Seller

Early Warning Services, LLC

View in App Store

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User Reviews for Zelle

WORST APP OF THE CENTURY

This company has the absolute, most atrocious customer service that I have ever had the displeasure of speaking with. I kept getting a wrong password error after trying the only few passwords I use for my accounts, and there was not any “Forgot Password” links to be found on the website or app. Upon calling Customer Service the first time, I was talked to like I was an idiot and was never actually helped with resetting my password. I was told that he had done some re-figuring on his end and I could try to log back in as a new user (keep in mind - I already have had an account) in 10 minutes. Upon trying to gain access to my account yet again, my number had been blocked. I contacted Customer Service and they told me there was nothing they could do and that the app would give me the option to deactivate my account later, but that I would not be able to use the app or get into my account for 30 days. I told the lady to deactivate my account today and I’m hoping that actually went through. Why isn’t there an option to change my password if forgotten?? It’s absolutely ridiculous. I also find it unsettling that there supposedly is no way to get into the account that has my banking information in it for at least 30 days. With that being said - do NOT use this app!

BSheets70, Jun 24, 2018

I wish I could give ZERO stars!

This is the dumbest money-transferring app I have ever used in my life!!! Originally all was fine, but after several months of not using the app, I got a new phone. Fast forward 6-8 months. My dad sent me money through Zelle. So I download the app on my new phone and prepare to login. It continued to give me an error message. So I call CS and what they tell me literally blew my mind. They said “oh well, your account was closed due to something that either your bank or your cell phone provider reported to us. I can’t tell you what because it’s confidential, but it could have been anhthing from your bank account got hacked, or your bank account went to a $0 balance at some point, or that you changed cell phone providers” and I said “well I ported my # from t-mobile to Verizon” and she says “yeah that very well could have been it.” I said “ok well how do I get my account re-opened?” And she says…..”oh you can’t it’s just closed.” I said “forever?” She says “possibly. We don’t know how long it will keep you from re-opening.” 🤯🤯🤯🤯 seriously?!? We aren’t talking about an instance of fraud here. I literally changed cell providers. This is asinine!!! That makes zero sense!!! With policies like this, I guess I am grateful that they closed my account.

El07182013le!, Sep 21, 2021

Won’t work on most phones

After 4 days and over 9 hrs total on hold, was finally told that this service WILL NOT WORK ON MOST PHONE NETWORKS. The second level tech support told me that “Unfortunately the zelle app and service will not function on wi-fi, and only recognizes a few (att, verizon, and sprint) phone carriers. All others are locked out, but WILL TAKE your banking and personal information and retain it in their system.” The reason this company is headquartered in the Philippines is because they are safe from federal criminal charges being filed against them. For such a young company, they have an overwhelming number of complaints lodged against them..(check out the reviews on the app page). The zelle rep even told me to change phone companies so I can get their service. Clear exchange had no problems... zelle is nothing but one giant problem that is illegally mining peoples banking and personal information for their own personal gain, while forcing those who are/were set up through a direct deposit system to receive their paychecks from work.... who are now unable to receive those funds, as zelle holds those funds in limbo refusing to refund the money back to original sender for 30 days. CRIMINAL !!!!!!! How the apple app store even allowed this financial virus into it’s app system is mind boggling. BEWARE!!!! and stay far away from zelle. You have been warned by someone who stayed diligent until they got the answers and truth from this scam organization.

Exrodeo, Dec 14, 2017

The JOYS of money!

To be honest I was a little skeptic about it, then once I downloaded it and played around with it, I knew I was going to be using this FOREVER! No waiting for the weekend to be over to receive your money, no 5-7 business days on waiting either for your money to be sent over, no hassle on asking if anyone or I have received the money. This app literally allows the money being sent over to go straight into your card with no holds, no fees, no hassle at all. Me, my family and friends use this app all the time when one has forgotten money or their wallets- LOL! I can say that using this app really is a life saver. Only, ONE bad thing I do have to say is that you can’t send others money unless you have their correct mobile phone numbers. I’ve tried to see if I can add people through my contacts but it only allows to input numbers, like literally I gotta grab a pen and paper to write down peoples numbers because once you input a number or an incorrect phone number it’s a good bye to whoever you’re sending money too. So make sure the number you’re sending money to is ALWAYS CORRECT! I hope that they do update this app and allow us to add friends on here.

Honeybuddz, Oct 11, 2018

Poor customer service

If I could give this app zero stars, I would. I received a new cell phone # (all other information is the same—same address, same phone , same bank information, etc) and because I have a new cell, it will not allow me to use Zelle or update my information. I have called customer service all week and no luck and the last representative that I spoke to was rude (kept cutting me off when I was talking and was rushing me off the phone). I asked to speak to a supervisor and she refused to let me speak to them. When she was verifying my information, she asked questions that “their” system generated instead of questions that I provided answers to. Example: she asked , “What color is your car? Blue, white, or yellow?” (Answer: neither because I have ALWAYS purchased brand new cars that were either silver or grey so it’s not like I purchased used cars that had paint jobs; she also asked , “Which individual from this list do you know? Brandy Locke , Steve Smith or Paul Tyson?” I answered : I don’t know any of those people. Her response , well these are the questions that our system generates based on the names of the individuals that are near your address. I asked to speak to a supervisor and that’s when she began cutting me off, rushing me off the phone and was being rude). I will never use Zelle again and I’m sharing my review with al my friends and family who use Zelle.

JazJ2019, Jun 16, 2020

Nothing but problems

Zelle is apparently not compatible with iPhone 14 pro. They think I am using VoIP or a second number through an app and cannot perform maintenance on my account because I am supposedly using VoIP. I am not using VoIP I just have a new iPhone 14 pro! Zelle has no idea that iPhone 14 pro uses ESIM which is similar to VoIP! They were literally ZERO help and had ZERO knowledge of the issue or what could be causing it. My money is stuck in their system tied to my phone number for days now with ZERO help other than “sorry, there’s nothing we can do, your using VoIP”. This was discovered after three phone calls over multiple days with them and on the previous phone call I was locked out until the next day due to their system generated verification questions which had nothing to do with my life and I failed these bogus questions! After the conversation I spoke with my father about the questions and “possible known associates” from their generated questions and my father knew all those people yet I was locked out of customer service for failing the verification! It had to be those questions because the only other one was the color of my car and my address! I know I answered those correct! Don’t use Zelle and if you do don’t be surprised if you get ZERO help with any issue or concern, and if you do get help it will probably be the wrong answer or guesswork leading to nowhere except “sorry, there’s nothing we can do”! ZERO STARS FOR TAKING MY MONEY HOSTAGE!

juxebug, Feb 26, 2023

Not Client friendly app is not adaptive

This is not attuned to the ever changing lives of clients using this app. I’ve been attempting to switch cards and add an email to my account. First day the error message was uh oh come back later and try again. Second day your account is temporarily locked for security reasons. Mind you password and all info being entered is MINE and accurate. Then yesterday after getting the same message as the previous day, I called “customer service” via the app who informed me they would have to VET ME with some questions to unlock and to Update my information for me. I asked why am I NOT ABLE to update my own info as needed? The response- Zelle doesn’t allow so many changes as it wants you to use A PERMANENT CARD as it only allows for infrequent card updates. Nevermind that life is what it is and if you want to change out your card to you should allowed to do so. We go through that process and they said now I need to wait 15 min for the system to reset my account. After some small talk, the call is ended NOT BY me. I had other things to do so I come back later. Not only can I NOT ACCESS MY ACCOUNT BUT ITS NOW SAYING I AM PERMANENTLY LOCKED OUT and to CALL CUSTOMER SERVICE. Not Zelle’s greatest moment. I just deleted the app.

KenyaSimone, Jul 19, 2023

Unable to verify password

When you make an app that directly links a user's DEBIT CARD to their account (with no other options or protections provided), you'd better make sure it's operational, but instead we have this. About a week ago, I got a 3:45AM text from Zelle for an automatic transfer (no one was sending me money that early in the morning). I went to change notification settings -- only to discover that I needed my password to turn off their text messaging. That's when I realized I had forgotten my password. At the time I couldn't find any place on their app to reset it, and because I have an outside bank, I don't have access to a web account. I did try "forgot password?" on the Zelle portal but never received an email. This didn't lock me out of my account; I just couldn't make any account changes. Fast forward to today -- the app has logged me out (possibly due to an update?), and while it does now give me a "forgot password" option, after resetting it, I get the error message "unable to verify password." I even wrote it down to make sure I re-entered it correctly, but no luck. And that's where I am stuck -- completely locked out of my account. I am beyond frustrated. I use this to get money transfers from family, and I never had a single issue with clearxchange. Now with this forced switchover to Zelle, I can't do even the simplest task. Either fix the app or give us a website, because right now this is absolutely useless.

LaKrSh, Jul 31, 2018

Limitations for Multiple Accounts

Zelle will be great if you are part of their network. However. If you happen to have multiple debit cards (in my case 2), you can change which account you want funds to go to or from however doing so will erase the history of your account. This was fine for me as I used it for personal transactions and never really needed it for anything else. However I did have a need to change accounts every now and then so I could save myself the hassle of having to wire myself money after receiving money. Or so I thought. I had first created an account with my old phone number and it was great. I then had to port my number, NOT CHANGE IT, and then I was locked out. Why? Zelle does not support Google Voice or any numbers like it. I was ultimately frustrated but fine. I understand the security issue. I signed up with my new phone number. Everything was going great. I used it for a few months and tried changing my account (again, back and forth between the same 2 accounts for years), then it locked me out. The representative tells me my account can never use the zelle app again because I was too “new” and changed my debit information too many times. So I said fine, I’ll keep the information the same just give me access to my account. They said no. I need to go through one of their national level partner banks and use it through them. I can never use the zelle app again. So I won’t.

Razputen, Jul 10, 2020

Great idea, poor execution

So the idea is simple enough, but there are some flaws in the app, the biggest being that, when a payment fails (and you receive an error message), your activity feed still shows as payment sent! Your payment didn’t send. Payment sent! Seriously. Customer service was rough. I completed the form online, and 2 days later I received and email saying to call customer service. So I did. I navigated my way through a wonky “press 2 for...” style menu, and after 2 circular rounds, I sat waiting for 18 minutes. Once the rep answered, we went through 3 rounds of her going silent. She could hear everything I was saying, but I couldn’t hear her. And then after 30 seconds she’d come back, until she didn’t around minute 23. She also opined that a slow app load was likely related to the same network problems they were clearly having with their phones. Only problem...the app always seems to load slow and take longer to log me in. I think PayPal is smoother, provides faster and more comprehensive service, and provides me better records and accuracy. Fix the kinks, align payment/send/activity, and there’s potential to bump up the rating.

Schoncher, Sep 03, 2020

Description

Zelle® has partnered with leading banks and credit unions across the U.S. to bring you a fast, safe and easy way to send money to friends and family. Money moves quickly - directly from bank account to bank account.

If your bank or credit union offers Zelle, you already have it in your mobile banking app or online banking – if they don’t, the Zelle app will make it easy for you to send money to enrolled Zelle users that already have access through their financial institution. Zelle. This is how money moves®. Using just your recipient’s email address or U.S. mobile number, you can settle up simply and safely with almost anyone you know and trust. Even better, Zelle does not charge any fees to use the service. (Mobile carrier or bank fees may apply). GET STARTED: 1. Download the Zelle app. 2. Enroll using a Visa® or Mastercard® debit card linked to a U.S. checking account; or 3. Enroll your U.S. checking account by using your online banking username and password, if your bank supports this feature*. 4. Choose a person to pay, or request money from, by entering their U.S. mobile number or email address. 5. Confirm the amount and hit send. If they’re already enrolled with Zelle, they’ll typically get the money in minutes. If they aren’t, they will be notified and can follow a few simple steps to complete the payment. *Some banks allow customers to enroll in the Zelle app using their online or mobile banking username and password. Zelle and the Zelle related marks and logos are property of Early Warning Services, LLC You must have a bank account in the U.S. to use Zelle.