Customer ReviewsforEarly Warning

I tried to open a checking account with *********** and was declined based on a "banking" score of 660. I requested a report to seek information on why this happened, being that I've never went negative on any accounts I have ever owned. Upon receiving the report it became clear that eight (8) years of banking information from my credit union was missing. I reached out to my credit union and obtained a signed and dated report showing my account information and date of creation. I called Early Warning Services and inquired directions for uploading these documents for review and hopefully getting this issue behind us. However, I was informed that there is nothing they can do based solely on the reason that my small credit union does not have a contract with Early Warning Services. So, basically, Early Warning Services is holding my financial report hostage because of them not having a contract with my smaller credit union. This is unacceptable. I understand that *** cannot simply receive information from every bank/credit union in *****************, but for there not to be a system in place for a person to submit information regarding their financial standings at banks/credit unions not reporting to them is absurd. I have been told multiple times through email/phone conversations that EWS "does not decline" anyone but that the financial institution is the one declining services. Blatantly disregarding their role in the declination.

September 12, 2024 Dear ***********************************, 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 review, received on September 6, 2024. Early Warning is a nationwide specialty consumer reporting agency that complies with applicable provisions of the Fair Credit Reporting Act (*****. As a nationwide specialty consumer reporting agency, banks and credit unions provide information to us about checking and savings account history and activity. Early Warning only provides the information in Consumer Reports that is contributed by participating Financial Institutions. We are unable to add information from non-participant Financial Institutions on to consumers reports.The FCRA strictly limits who can have access to your Early Warning consumer report and how your Early Warning consumer report can be used. Such entities must have "permissible purpose" (as defined by the ***** to obtain and use your Early Warning consumer report. You can learn more about Early Warning by visiting our website at ****************************************************************. Our records indicate that a copy of your consumer report was mailed to you on August 8, 2024. Please review your consumer report; if you determine any information to be inaccurate or incomplete, you may submit a written dispute, identifying the specific records you believe are inaccurate or incomplete, by using any of the methods below. We do not charge a fee for investigating disputed information. To avoid any delays in processing your dispute, you may find our dispute checklist helpful, ******************************************************************************************. You may submit your written dispute by sending it via any of the following methods:?Electronically through our secure transfer portal: *************************************************************** ?By fax: ************ ?By mail: Early Warning, Attn: Consumer Services, **************** **********, ******* ********************************************* 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

I had money sent to me that is suppose to be instant. Now it's 3 buisness days. Have a job interview in a few hours and probably won't have money to make it.

August 29, 2024 Dear ***********************, Thank you for contacting Zelle about your recent experience. This letter is in response to your BBB review, received on August 28, 2024. 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. We attempted to call you on August 28th and August 29th, to gather additional information. Unfortunately, we were unable to reach you. It is important to note that Zelle does not hold or handle any money. Zelle provides messaging between the senders bank or credit union and the recipients bank or credit union to facilitate the payment between the two bank accounts, but ********************** 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 Years Day, Independence Day, Thanksgiving, and Christmas Day. From outside *****************, call ************ from 10 AM to 10 PM ET, Monday through Sunday. Sincerely, Zelle Support

Zelle should no longer be in business, they absolutely should not be handling people's money AT ALL. That's not harsh either. They continuously just "lose" people's money or say oh it's been completed on our end when it hasn't and the money is just gone. I never received 50 dollars my friend sent me even though it was taken from his account.. ********************** of course isn't taking any responsibility and I'm out 50 dollars. I'll never be able to get the person to send another. This company is crooked and I highly recommend everybody stays away from it! Use venmo or cash app!

Dear *********************,  
 
Thank you for contacting Zelle about your recent experience. This letter is in response to your BBB complaint, received on August 27, 2024. 
 
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 senders bank or credit union and the recipients bank or credit union to facilitate the payment between the two bank accounts, but ********************** 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 Years Day, Independence Day, Thanksgiving, and Christmas Day. From outside *****************, call ************ from 10 AM to 10 PM ET, Monday through Sunday. 
 
Sincerely,  
Zelle Support

I got an email that my Zelle was locked and to call them. I called and was provided with absolutely no information on why my Zelle was locked and refused to do anything at all. All the *** kept doing was re-reading the same statement over and over again like a robot. If that's the case then why waste my time and make me call them? Horrible business with no respect for their customer.

August 23, 2024 Dear ***************, Thank you for contacting Zelle about your recent experience. This letter is in response to your BBB review, received on August 19, 2024. We understand that it may be frustrating that you are no longer able to use the Zelle mobile application. We regret that we are unable to provide you with the details regarding your ineligibility; however, we refer you to Section 21 (Zelle Right to Terminate Access) of the Zelle ******************** Agreement regarding our ability to terminate or suspend services. This can be found at *************************************************************. Sincerely, Zelle Support

I was trying to contact Zelle regarding a transaction of incorrect funds . I tried to call the customer service line with no assistance. Very disappointed with this matter and will no longer be using Zelle for any other transactions in the future . Its crazy how they make it so hard to get your money back .

Dear Mario Perez, 
 
Thank you for contacting Zelle® about your recent experience. This letter is in response to your BBB review, received on August 14, 2024. 

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.  We emailed you to gather additional information regarding your review.

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 844-428-8542, seven days a week from 10 AM to 10 PM ET, excluding Independence Day, Thanksgiving, Christmas, and New Year’s Day. From outside the United States, call 501-748-8506 from 10 AM to 10 PM ET, Monday through Sunday.

Sincerely,
Zelle® Support

I was blocked from Zelle for no specific reason, and I tried to contact Zelle customer service but was met with a cold reception.

August 6, 2024Dear *****************, Thank you for contacting Zelle about your recent experience. This letter is in response to your BBB review, received on July 31, 2024. 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. We called you on August 6, 2024, regarding this matter. Unfortunately, we were unable to reach you. It is important to note that Zelle does not hold or handle any money. Zelle provides messaging between the senders bank or credit union and the recipients bank or credit union to facilitate the payment between the two bank accounts, but ********************** 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 Years Day, Independence Day, Thanksgiving, and Christmas Day. From outside *****************, call ************ from 10 AM to 10 PM ET, Monday through Sunday. Sincerely, Zelle Support

Early Warning Services, LLC is waste of a business.I was denied a checking account that used their services.When going thru their automations to request the reason why I was denied. They wanted me to go to multiple steps.The reason they deserve a 1 star is because Early Warning is co-owned by **** of ************************************* PNC ****, Truist, U.S. **** and ***** Fargo.Since I was denied at a local bank I created a checking account with CHASE and was APPROVED!

Dear **** ***, Thank you for contacting Early Warning about your recent experience. This letter is in response to your BBB review, received on July 22, 2024. Early Warning is a nationwide specialty consumer reporting agency that complies with applicable provisions of the Fair Credit Reporting Act (*****. As a nationwide specialty consumer reporting agency, banks and credit unions provide information to us about checking and savings account history and activity.The FCRA strictly limits who can have access to your Early Warning consumer report and how your Early Warning consumer report can be used. Such entities must have "permissible purpose" (as defined by the ***** to obtain and use your Early Warning consumer report. You can learn more about Early Warning by visiting our website at ****************************************************************. Under the ***** you also have the right to review the information in your Early Warning consumer report. If you would like a copy of your Early Warning consumer report, you may find our form helpful in identifying information needed to process your request. It is located on our website at ********************************************************************************. Your information and/or the form may be returned to us via the instructions located on both, our website, and the form. Alternately, you may call us at the number below to be verified by phone.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

**** of America is forcing me to use this fly by night organization to "protect my information from third party merchants" while forcing me to use an unknown third party merchant. The only way to get off of using Paze is to give my information to MyWallet. Folks, we need to stop this electronic nonsense and go back to cash.

Dear ***************************, Thank you for contacting **** about your recent experience. This letter is in response to your BBB review, received on July 20, 2024.Paze is a digital wallet that makes it easy for you to pay online. Offered by financial institutions, Paze allows you to make online purchases without having to share your actual card numbers with businesses. Please note that Paze is unable to view activity or information on your credit or debit card account. For inquiries regarding your Paze wallet, please contact the financial institution associated with the card used. To opt out of ****, click here *************************. *********, Paze Support

Im FURIOUS with this scam comapny, recently my account was hacked, somone sent 240 to there account under friends and family so i contact my bank they said because its zelle and its friends and family they cant dispute it because it considdered as a transaction, so i call zelle they dispute it then come back and said no can do as it was an authorized transaction, i spent 3 almost 4 hours on the phone talking with support tring to fiugre this out i got a hold of ****** couldnt do anything i asked for his manager, got a hold of him he said same thing, i ask for his manager he said hes the highest and only manager , what ever!! ok fin i asked where does it say in the licensing user agrement says i cant open a dispute more than once! he said section 26 says it i said ok where i couldnt find it, he looked and as a manger he told me that and yet he spent a good 3 or so minuets tring to find it, HE COULDNT FIND IT AND GOT MAD AND SAID SIR I CANT DO ANYTHING HAVE A NICE DAY AND HUNG UP!!!!!, i call back i asked records of what we went over he said they cant give me any records of transactions or anyhing i asked for it and fraud department told them my story, said in my case is different and would dispute it, also hey said that the so called manager was not actually a manager!! after he gets done about another 10 or so min he says, you already have a dispute open, i cant create one thats already been closed on the same iteM!!.. I have had it with this overall my bank wont help so zelle wont help and im out 240$

Dear *********************,Thank you for contacting Zelle about your recent experience. This letter is in response to your BBB review, received on July 9, 2024. 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 senders bank or credit union and the recipients bank or credit union to facilitate the payment between the two bank accounts, but ********************** 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 Years Day, Independence Day, Thanksgiving, and Christmas Day. From outside *****************, call ************ from 10 AM to 10 PM ET, Monday through Sunday. Sincerely, Zelle Support

Recently tried to send additional funds to my sister but found out I could not, I flagged for possible fraud. I Called my bank to get in contact with a Zelle representative with my Bank to correct this issue(s). I was told it was a fraud alert issued by their system and there was nothing they should do at the bank. Now mind you the bank and Zelle know the device(s) you are using, when and where are using it. I asked to speak to a supervisor and then to speak to a representative with Zelle. With all this no one could correct or override the issue. After looking at reviews for Zelle's app, this maybe a business model of their not to correct issues with their systems. With a company that has a monopoly on the Banking transfer system you would expect better, but not from Zelle they seem to double down on error. I was told that this is an ongoing issue. It has become very apparent why people are using other apps to transfer money. We are not physically transferring money it's all credit. Zelle Please do not reply, the company has one job, transfer funds safely, and this issue is not being corrected intentionally.

Dear *********************,Thank you for contacting Zelle about your recent experience. This letter is in response to your BBB review, received on May 26, 2024. We sent you an email on May 28, 2024, to gather more information about your situation. Please reply to the email and provide us with your contact information so we can better assist. 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 senders bank or credit union and the recipients bank or credit union to facilitate the payment between the two bank accounts, but ********************** 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 Years Day, Independence Day, Thanksgiving, and Christmas Day. From outside *****************, call ************ from 10 AM to 10 PM ET, Monday through Sunday.Sincerely, Zelle Support