Zelle Arvostelua 1 134

The only reason I gave 1 star is so I can get in this review. I'm purchasing a used vehicle, I try and send 3k$. Nope over the limit, it tells me to try to make smaller payments. So ok, ill do 1500$ twice. I sent the first part, now I'm trying to send the second part. Your over the limit, try a smaller amount. So as I'm trying to catch the bank, the lady calls they put a three day hold on my 1500$. So I call, they give the run around, ask the receiver to check her bank. She does and she calls zelle, zelle check the sender to see if his bank released the funds. I've used zelle plenty of times but this will be my last. The lady thinks it's a fraud kept the vehicle and until the transaction goes through, im without.

I have never had a smooth experience with Zelle. They lose my money every time. I would pay extra to not use Zelle.

Turns out the company Zelle doe snot own Zelle, so they cannot help customers. They can't be bothered to send a basic email and blame that on anyone other than themselves. If you have an issue with their service its on you, basically.

The worst money service ever. I’ll never use them again. Horseback would be faster. Safer. And easier. Worthless. Crooks. Sit on your for 5 business days, lmfao.

their customer service is trash and thats an insult to trash. they are lazy and dont want to hold themselves accountable or do any real work. if you have it, stop using it because they will not help you. you will be back and forth between them and your bank all day long.

Zelle reduced daily limit I of what I can send without notice and I did not violate any terms. This has caused me several inconveniences especially when paying rent as I am unable to send the full amount to my landlord at once and will cause a late fee. My bank, WF, said they could not help me with this issue because it’s not them, it’s Zelle, but there is no way to communicate with them.

Adding to my previous review. Now Zelle has set my daily limit to .69 cents. Absolutely no explanation for this. I’ll have to dust off my checks yo pay my landlord this month.

I send money without any problems but receiving money has being very frustrating.

Absolutely horrible customer service all robots and no humans to speak to do not use zelle it sucks.

It was advertised as an instant payment service but it isn’t instant at all. I wish banks would stop using it all together!

First time I tried to use it my account was put on hold for some kind of review. I've been banking with Arvest for almost 20 years. They tell me that they don't know how long the review will be and my account is on hold and they can't tell me if I will ever be able to send money to the person I was trying to send it to. Same thing happened to my mom trying to send money to me. The service is completely worthless and a waste of time.

I found out only after calling Zelle that a phone number on a family plan cannot work with Zelle. My previous phone number was on a family plan but I was told it worked because it was grandfathered in. This is a very disappointing and negative policy they have. Do better please!

Zelle is a scam enabler. DO NOT USE Zelle. Once your money is stolen, Zelle won't help you to recover it.

Zelle delayed a payment I was supposed to receive on the 15th, even though I had previously received a Sunday payment through the same method without issue. This was my only income after recently being laid off, and because of the delay my car insurance was canceled and I was left without money for necessities.

I contacted my bank, OnPoint Community Credit Union, then was told to contact Zelle directly. The Zelle representative was not helpful, rushed through the call, and I was sent back to my bank again, where I was told Zelle can randomly hold funds for 1–3 days. I spoke with four different people and no one could help release the payment or provide a real solution.

so if you do not have a bank account that uses Zelle. you are not going to get your money. there is no alternative. so if you sell something and the buyer still gets the item accept they used zelle to pay you...they get there item and you do not get paid. you would think that they would have an alternative...prepaid card...check...nope nope...and do they care? no they do not! terrible platform!! DO NOT USE ZELLE!!!

This is the absolute worst money transfer app in existence. I hate using it even though it should be convenient since my bank comes with it by default. But there are so many drawbacks to it that make it impossible to use in a flash. PayPal, cashapp, venmo anything is better than this trashapp.

I am forced to use Zelle in one situation. I prefer Venmo 100%. Last year I successfully sent three installments to one of my children thru Zelle. I wanted to do one but Zelle decided (for my security) I couldn’t send that much. This year, same timeframe I decided to send the same amount and tried to do one payment. Nope again for my security … So I did a payment equal to the one I did in 2025. It went through. 24+ hours later I tried again, this time Zelle decided I couldn’t send that much could only send 1/4 of the payment I made successfully 24 hours before. I tried to contact Zelle for help. I chatted with a Chatbox that refered me to another Chat supposedly a human. They charged me $5 for the help but refunded it. So after asking the same questions the supposed expert told me to call the bank’s 800 number. I decided to drive to my bank and speak to a human. Also no help. There appears to be no way to request an increase in the dollar amount you want to send. A Chat Bot determines your amount and provides NO flexibility. I did both payments to my other child in one installament using Venmo.

My experience with Zelle has been extremely disappointing. The biggest issue is the way so-called “authorized” payments are handled. If you are scammed and tricked into sending money, banks often deny reimbursement simply because you technically approved the transfer in the app.
That means even if you were deceived, impersonated, or pressured by a scammer, the responsibility falls entirely on you. There are no real guarantees of protection. Once the money is sent, it’s treated like cash — gone.
What’s frustrating is that Zelle is integrated directly into major banks, which gives customers a false sense of security. People assume there will be fraud protection similar to credit cards. Instead, victims are often told the transaction was “authorized” and therefore not eligible for reimbursement.
The system feels one-sided, with unclear dispute processes and little transparency. Consumers deserve clearer protections and consistent standards when fraud occurs.
Use extreme caution before sending money through this platform.

I checked with both banks. Sending bank had the correct account and number. Receiving bank has no record of the transaction.

Their customer service reps suck one of them actually hung up on me and couldn't and wouldn't give me an answer to why my Zelle account is suspended or when it will be reinstated I will not use them again