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USAA (used by a lot of military families) uses Zelle to do external transfers. I had never used it but thought since USAA used it, it would be ok.

BOY, was I wrong!

I did the external transfer from USAA using Zelle to my local bank. The zelle app kept telling me my phone number wasnt matching my debit card and to contact my financial institution on the recieving end. My bank verified that my phone number AND email WERE linked to my account. My local bank does not use Zelle.

The Zelle representative got nasty on the phone with my bank representative, which I thought was wrong to begin with. After a few sentences with the zelle rep, he said that I can call USAA and they can cancel the pending transaction and the money would be immediately put back into my account or I could wait 14 days and zelle would refund the sending account (USAA) as unclaimed. When I spoke to USAA, they said they cannot cancel transactions that went through the Zelle files and they were unsure why Zelle is telling people that. All USAA could do was dispute the transaction but I have to wait another 3-5 business days for the money to appear back in my account!

I dont know about anyone else, but I cant afford to have $925 just sitting in limbo....there was a reason I transferred that money....AND I STILL DONT HAVE IT!

I will NEVER use Zelle again.

This was a first and last for me! I filed a complaint also with USAA since it was their platform to use.

Save yourself heartache and dont use Zelle

Reason of review: Problem with delivery.

Monetary Loss: $925.

Preferred solution: Full refund.

Zelle Pay Cons: Take your money and then do not transfer it, Overall unsafe to send money, Very poor customer service and crooks, Lack of solutions for my issues.

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