Reviews
This profile includes reviews for Early Warning's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Review Ratings
Average of 103 Customer Reviews
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Review fromMary L
Date: 12/23/2022
1 starMary L
Date: 12/23/2022
Absolutely terrible service! How this atrocious company is still in business is beyond me. I sent two payments that were supposed to be instant and my recipient did not recieve them. Ive sent many payments to this recipient before, I dont understand what the problem is now or why all of a sudden it needs to take 1 to 3 days to process these payments! This is absolutely ridiculous! Its christmas and my recipients needs the money now!
Early Warning
Date: 12/27/2022
Dear *******************,Thank you for contacting Zelle about your recent experience. This letter is in response to your BBB complaint, received on December 23, 2022.We are sorry to hear this and understand that the situation must be very frustrating. It is important to note that Zelle does not hold or handle any money. By way of background, Zelle is not a financial institution and is instead a service which enables consumers to make person-to-person payments with family members and others whom they trust through their bank. Early Warning functions as the Zelle Network operator, maintaining a directory of enrolled users, which is updated by participating banks as their customers register to use the Zelle service. However, Early Warning/Zelle neither transfers, moves, nor initiates the transfer, movement, or settlement of funds. Likewise, Early Warning does not hold consumer accounts, and use of the Zelle service does not establish a financial account of any kind.If you have additional questions and are enrolled with a participating bank or credit union, please contact their online customer support team for assistance.******************************** SupportReview fromAlex C.
Date: 12/16/2022
1 starAlex C.
Date: 12/16/2022
I received a notice from Zelle on 12/12/22 that a client sent money to pay his invoice. I had instructed the client to NOT use Zelle, because I am not a Zelle customer. But he sent the funds, which have not been released. In addition, I used my bank's Zelle app to send a money request, which the client ignored. I provided Zelle an alternate method where they could transfer the funds they now had from the client and they have refused to do so. My efforts to "register" to receive the funds have been useless, I continue to receive a black error screen on my phone. Attempts to contact their CS results in being directed to a robo CS agent only who repeats the same useless information. I belive the client, who was told NOT to use Zelle, did so as a way to evade the debt and that Zelle may be aiding and abetting this theft of services. One of their CS agent's *******" left a VM but the number he gave is the same useless number and leads only to the robo CS agent already noted. I will be filing a complaint of theft of services with the ******* Attorney General *****************************Early Warning
Date: 12/20/2022
Dear *********************,Thank you for contacting Zelle about your recent experience. This letter is in response to your BBB review, received on December 16, 2022.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 reach you on December 16, 2022 and December 19, 2022 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 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 Independence Day, Thanksgiving, Christmas, and New Years Day. From outside *****************, call ************ from 10 AM to 10 PM ET, Monday through Sunday.Sincerely, Zelle SupportAlex C.
Date: 12/20/2022
I have sent your company several emails since 12/12/22 in an attempt to collect mony owed me as payment for services. Your response is always the same cut-and-past instructions which do not work. I have informed you that I spoke with your CS rep ** and thereafter every attempt to contact your CS with the information you provide is unsuccessful, because I am not put through to a CS rep. I also informed you that my attempt to use your instructions to "enroll" in the phone app was, likewise, unsuccessful resulting 3 x in my reaching only a black error screen. I also reached out to my bank, per your CS instructions, and, as I suspected, was told there was nothing they can do to compel you to satisfy this debt. As I also informed you, I will be filing a consumer fraud complaint with the ******* ************************* of ******** Protection. Your reply to my BBB complaint is your standard cut-and-past reply. It resolves nothing, nor have you made a good faith effort to satisfy this debt. I informed you the money could be easilty forwarded to my PayPal account or could could send a check. You have declined both choosing instead to repeat unworkable instructions. Regurgitating these instructions is not a resolution; it is an evasion.Review fromParker P
Date: 11/11/2022
1 starParker P
Date: 11/11/2022
Worst money transfer service there is, hands down. **************** is horrendous, fraud/scams are rampant, & no transfers are insured or reversible. Please do not use this companyEarly Warning
Date: 11/16/2022
November 16, 2022 Dear *****************************,Thank you for contacting Zelle about your recent experience. This letter is in response to your BBB review, received on November 11, 2022.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. Please note a thorough review was completed and appropriate action has been taken within the Zelle Network.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 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 Independence Day, Thanksgiving, Christmas, and New Years Day. From outside *****************, call ************ from 10 AM to 10 PM ET, Monday through Sunday.Sincerely,Zelle SupportReview fromCynthia F
Date: 11/07/2022
1 starCynthia F
Date: 11/07/2022
We were frauded by a verified zelle members and zelle doesn't do anything when you report it they have nothing to help you I'm out alot of money.Early Warning
Date: 11/09/2022
November 09, 2022 Dear *************************,Thank you for contacting Zelle about your recent experience. This letter is in response to your BBB review, received on November 7, 2022.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. If you have not done so already, please report the scam information on our website at https://www.zellepay.com/support/report-scam. 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 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 Independence Day, Thanksgiving, Christmas, and New Years Day. From outside *****************, call ************ from 10 AM to 10 PM ET, Monday through Sunday.Sincerely, Zelle SupportReview fromFrederick F
Date: 10/25/2022
1 starFrederick F
Date: 10/25/2022
Zelle revoked a legitimate scam ofc$1600 that was proven by ***** it was fraudulent. What an absolute crock of horse@@@! to not protect the consumer with a service. Absolutely criminal !Early Warning
Date: 10/27/2022
October 27, 2022 Dear *************************************,Thank you for contacting Zelle about your recent experience. This letter is in response to your BBB review, received on October 25, 2022.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. 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 ********** for review. 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 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 Independence Day, Thanksgiving, Christmas, and New Years Day. From outside *****************, call ************ from 10 AM to 10 PM ET, Monday through Sunday.Sincerely, Zelle SupportReview fromCory K
Date: 10/24/2022
1 starCory K
Date: 10/24/2022
The very first transaction that I made turned into a ripoff scheme. But that's not my issue...My bank took care of the issue. I couldn't log in afterward to delete the account. (There is plenty of info out there about how Zelle is a hotbed of scams.)I conversed with some smarmy, snot-nosed kid in their "second tier" department to find out what the issue was. He tried to tell me that my bank - who is NOT a supporting affiliate of ZellePay - was responsible for banning me. (Which, of course, I called BS on.)You could tell the whole time that he was choosing his words very carefully but, at the same time, the preemptive defensive posture that he was clearly taking was well-rehearsed.He also had the nerve to admonish me as though I were a child. He tried to force-feed me "We meant for you to use this for sending payments to friends and family 'that you trust'. We don't sell the service as anything less." That's a half truth. Their site NEVER narrows the scope to 'just' friends and family. It only ever said to send money to those you trust.That's essentially the same tenant used for ANY financial service. WHY would this be noteworthy?Furthermore... This little punk tried to play mental games with me for the sake of matching wits. He also put me on hold and listened to me talking with my wife. (Which I knew he was.) He eventually broke in and responded out of nowhere, "Sir. We need to keep this professional."I wasn't even talking to him. But this irrefutably proved that he was just keeping me on-hold and listening rather than getting a hold of the department responsible for deleting my data.These people are running a shady playground suitable for only criminals and thieves. Avoid ZellePay AT ALL COST.Early Warning
Date: 10/25/2022
October 25, 2022 Dear ***********************,Thank you for contacting Zelle about your recent experience. This letter is in response to your BBB review, received on October 24, 2022.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. Please be assured that we take these matters seriously and we appreciate you taking the time to tell us about your experience. Your feedback will allow us to correct any problems and improve in these areas so we can better assist you in the future. We completed a thorough review of your profile and can confirm there are no restrictions to your information on the Zelle Network. We apologize for any frustrations or confusion this may have caused you. Zelle procedures to request disclosure or deletion of data, including as required by the California Consumer Privacy Act, can be found at:?https://www.zellepay.com/legal-and-privacy#7Rights Our privacy support team can be reached at **************. They are available Monday Friday from 10am-5pm ET, excluding Independence Day, Thanksgiving, Christmas, and New Years Day.Sincerely, Zelle SupportReview fromJUAN G
Date: 10/24/2022
1 starJUAN G
Date: 10/24/2022
This company gives you a score from 457 to 755 based on ACH transactions so if you do Zelle all the time, then you will get a really bad score. Based on account history that they don't even verify ownership and because they don't even bother to verify; you are screwed all the time. So you have to submit a complaint to the company that they don't even want to take care of and still ask for letters after the complaint that makes no sense; you will be in a nonreturn nonsense situation. I mean they still catch Zelle thieves, scammers, etc, but they want to apply the same rule to honest people with an inaccurate fake score. I have accounts with major banks with not bad records and they still make me feel like a scammer when I tried to open an account in a local bank because of the fake score, so why is my bad review? because they don't even try to resolve the inaccurate information they have from me.Early Warning
Date: 10/27/2022
*************************************************************** you for contacting Zelle about your recent experience. This letter is in response to your BBB review, received on October 24, 2022.Here at Early Warning, we strive to provide exceptional consumer support. We appreciate you taking the time to tell us about your experience and understand that the situation may be very frustrating.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 https://www.earlywarning.com/consumer-information.html. Your Deposit Account Score is calculated based upon information provided to Early Warning and is affected by the Key Factors provided to you via email on September 15, 2022. They were provided to assist you in understanding your Deposit Account Score and how deposit behavior affects deposit scores generally. If you wish to discuss this matter, please call us at the number listed below. Early Warning supports consumers' rights to dispute and correct inaccurate or incomplete information furnished to us in accordance with the Fair Credit Reporting Act. To request a copy of your consumer report, please submit a request by phone or through one of the below methods. Once received, please review your consumer report, if you determine any information to be inaccurate or incomplete follow the dispute instructions provided in your report. 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, https://www.earlywarning.com/consumer-information.html#documents.?Electronically through our secure communication portal: https://consumerservices.earlywarning.com ?By fax: ************ ?By mail: Early Warning, Attn: Consumer Services, ********************************************************************* 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 ServicesReview fromRoberto S
Date: 10/13/2022
1 starRoberto S
Date: 10/13/2022
These incompetent idiots closed my Zelle account for nothing a few months back, all over $400 that was transferred from a friend of my dads. **************** is nonexistent and to this day Im still banned from Zelle on my personal account at **** of America and others. PenFed found nothing wrong with the transaction but I was banned nonetheless. Worst customer service ever. Ive never been able to regain access to Zelle and its so important because it made transferring money to my accounts easier. I had Zelle for years and never had any issues prior.Early Warning
Date: 10/18/2022
October 18, 2022 Dear *******************************,Thank you for contacting Zelle about your recent experience. This letter is in response to your BBB review, received on October 13, 2022.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 completed a thorough review of your profile and can confirm there are no restrictions to your information on the Zelle Network. We apologize for any frustrations or confusion this may have caused you. Please re-enroll on the Zelle App, or within a participating bank or credit union.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 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 Independence Day, Thanksgiving, Christmas, and New Years Day. From outside *****************, call ************ from 10 AM to 10 PM ET, Monday through Sunday.Sincerely,Zelle SupportRoberto S
Date: 10/18/2022
I tried to add my phone number ************ on my **** of America account specifically their Zelle page and same with PenFed and still keep getting errors and restrictions. Glad to know I am not banned from the Zelle app itself but I was enrolled through **** of America and Penfed and then all of a sudden my access was disabled and restricted. like here:Your email has been deleted from ZelleWe've removed ********************* from Zelle and it's unable to receive money using your BofA account ending in ****. This happened because we noticed you've conducted activity that's inconsistent with Zelle's Terms and Conditions which has resulted in the inability to use ********************* with Zelle.If you believe ********************* was deleted by mistake, please contact us.It was a ton of my emails that got deleted from Zelle like this and banned.Review fromBRENDON S
Date: 10/08/2022
1 starBRENDON S
Date: 10/08/2022
Left me feeling violated and used by both zelle and the scammers who scammed me. I find it amazing that a business that is associated with banks that closely do not have ANY FRAUD protection at all , its like they know their product was going to be used as a means to an end for scammers. The fact they offer 14 days to enroll and accept the money even though the sender canceled the payment is utterly disgusting. It's like they're just sitting out with a flag saying hey criminals come use our app we don't protect our loyal customers who expect security and safely being able to transfer funds. They literally allow criminals to defraud people and tell the victim that they repayment of the funds is on the victim even though my bank pays zelle to be a partner and offer a quick link to zelle but yeah they cannot offer any protecting. Most definitely getting rid of my zelle and spreading the word NOT to use zelle. Terrible app with people who do not car about their customers who've been using their service for 5 years now.Early Warning
Date: 10/14/2022
October 14, 2022 Dear *****************************,Thank you for contacting Zelle about your recent experience. This letter is in response to your BBB review, received on October 10, 2022.Here at Zelle, we strive to provide exceptional consumer support. We appreciate you taking the time to tell us about your experience and understand that the situation may be very frustrating. If you have not done so already, please report the scam information on our website at https://www.zellepay.com/support/report-scam. 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 ******************** Agreement that ********************** is intended for sending money to friends, family, and others they trust. If a consumer doesnt know the person or arent 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. Examples of these messages can be found at the following locations:https://www.zellepay.com/user-service-agreement https://******************************/support/im-unsure-about-using-zelle-to-pay-for-goods-or-services-from-someone-i-dont-know https://www.zellepay.com/financial-education/pay-it-safe 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 Independence Day, Thanksgiving, Christmas, and New Years Day. From outside *****************, call ************ from 10 AM to 10 PM ET, Monday through Sunday.Sincerely, Zelle SupportReview fromConnie R
Date: 09/15/2022
1 starConnie R
Date: 09/15/2022
This is unacceptable! No accountability, no help. I'm suppose to be okay with this services? deleting the app and making sure everyone knows how they operate. I filed and called my bank ***** Fargo less then 20 mins when it happened, they should at lease have a time frame, its like they are working for the criminals letting them get away! I basically got robbed via online for $1300.00 for services I didn't get, fraud! hired a contractor from Thumbtack at least they are responding but my bank ***** Fargo should be helping as well. Customer service is not the same these days!Early Warning
Date: 09/15/2022
Dear *********************,Thank you for contacting Zelle about your recent experience. This letter is in response to your BBB review, received on September 15, 2022.We are sorry to hear this 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. If you have not done so already, please report the scam information on our website at https://www.zellepay.com/support/report-scam. 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 ******************** Agreement that ********************** is intended for sending money to friends, family, and others they trust. If a consumer doesnt know the person or arent 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. Examples of these messages can be found at the following locations:https://www.zellepay.com/user-service-agreement https://******************************/support/im-unsure-about-using-zelle-to-pay-for-goods-or-services-from-someone-i-dont-know https://www.zellepay.com/financial-education/pay-it-safe If you have additional questions or concerns and 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 toll-free at ************, seven days a week from 10 AM to 10 PM ET, excluding Independence Day, Thanksgiving, Christmas, and New Years Day. From outside *****************, call ************ from 10 AM to 10 PM ET, Monday through Sunday.Sincerely, Zelle Support
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