Zelle Reviews

this app 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? this app 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 this app 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 this app app again. So I won’t.

Zelle has a message saying quite clearly how if you allow full contacts access you can send quicker, but that there is an alternative, in which you can either hit the “+” button, or the “Add a new Recipient” [capitalization theirs] button to send funds. However, neither of these buttons exist. I have no idea if they only exist after sharing contacts, but I don’t want to do that and it really is not necessary for a financial transactions service. The only point of forcing it is for sketchy data mining.

UPDATE:
So, against better judgment, I allowed contacts access. I still do not have a “+” or “Add a new Recipient” [sic] button anywhere. Also, all contacts were added once for every method of contact, so I have between 2-7 entries per person. Also it added one for every number I’ve ever blocked. It looks literally nothing like the screenshots on Zelle Store page, it’s just a heinous mess. ALSO if I hit the big fat “Request” button it still takes me to the same screen asking me to select a “recipient”, which sounds like I’d be sending money not receiving it. Zelle has been 3 consecutive dumpster fires so far, and I’ve had it for a couple of hours. How does anyone even use it for its intended purpose? Does it have any functionality at all? People trust financial transactions to stuff that looks this bad? I wouldn’t trust them to make me a ham and cheese sandwich.

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 this app 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 this app 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 -- Zelle 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 this app, I can't do even the simplest task. Either fix Zelle or give us a website, because right now this is absolutely useless.

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 this app 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 Zelle page). The this app rep even told me to change phone companies so I can get their service. Clear exchange had no problems... this app 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 this app 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 this app. You have been warned by someone who stayed diligent until they got the answers and truth from this scam organization.

If I could give Zelle 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 this app 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 this app again and I’m sharing my review with al my friends and family who use this app.

Went to create a password; saw list of requirements. Created a strong, 100-character password in 1Password. Pasted it in; got all green checkmarks. Great! Hit “Done;” got “Invalid password,” with NO EXPLANATION. 1. It’s 2021; there is literally no excuse for not giving users *complete* information on *all* password requirements *at the start.* AMC (the movie theater) has been able to do it since 2013; you should be able to do it. 2. It’s 2021; error messages that don’t tell users how to fix the error are simply amateurish. 3. It’s 2021; passwords of *any length* should be acceptable (because I’m betting the issue is that you hid a length requirement there and that’s why it’s being rejected; either that, or there are ASCII special characters that you can’t handle, even though, again, decent systems have been able to handle any combo of characters for years now - and don’t try to use the, “oh, we’re trying to prevent injection attacks” thing, because again, a decent system can recognize those and block them). Do better. EDIT: Indeed - when I updated the length from 100 char to 64 char, your system accepted it without issue. For the love of God, why did you decide to hide this requirement from users??? Have I mentioned it’s 2021 and anyone who knows anything about good design practice has known to do this for years??

this app would be the perfect digital checkbook, if they could convince banks to treat them like a separate, trusted app. Instead, most of the time it gets reduced to a crappy widget hidden in online banking apps.

If you’re the typical this app customer, this app has the ability to instantly add money to your traditional bank account as soon as you get paid. No more bogus 2-business-day transfers or 1% transfer fees. In a world where everyone keeps a bank account that uses this app, this app would be perfect. Your checks, debit card, savings account, and ATM access would be joined by a powerful, simple mobile app that allows you to pay someone using your bank without having an external balance (which is the case for Venmo, Apple Cash, Google Pay, PayPal, and so many others). This is this app’s leg up on the competition.

Unfortunately, this app’s features themselves typically are only available through the mobile banking app that your bank offers, leaving it subject to frequent log-outs and wonky security barriers that the average user isn’t able to deal with in casual situations. This makes asking people to “pay me with this app” in the moment a non-option and largely defeats the purpose of Zelle .

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. Zelle 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 Zelle all the time when one has forgotten money or their wallets- LOL! I can say that using Zelle 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 Zelle and allow us to add friends on here.

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 Zelle , I got a new phone. Fast forward 6-8 months. My dad sent me money through this app. So I download Zelle 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.

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 Zelle would give me the option to deactivate my account later, but that I would not be able to use Zelle 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 Zelle!

Ten days ago a friend sent me a payment via this app from their bank. I didn’t have the this app app and my bank wasn’t listed on their site, so I downloaded Zelle and followed the steps listed on their site to receive my funds. Zelle froze twice as I was trying to register. In most cases this would be a warning flag to me that something was sketchy - for an app to freeze up after I’ve provided my debut info and password. On the third try it took. I waited for the payment being sent to me to show up on the activity tab. Two days and nothing, so I call. I’m told the money will go through to my bank in two to three days. The customer support guy made no effort to look up the transaction, my account, or explain anything at all other than to say it will happen. A week after receiving the payment text from my friend I still hadn’t received the funds and nothing showed on my activity screen of Zelle . Yet Zelle has my phone number, emails, and debit card info correct. Again, sketchy. If not for the reviews and apparent fact that many banks utilize Zelle, I’d delete it and put in an alert with my bank. Now, ten days since this initiated, I’ve yet to receive my money or hear back from this app in response to my email from four days ago.

So the idea is simple enough, but there are some flaws in Zelle , 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...Zelle 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.

For a while (maybe a year) this app had been working perfectly! The people I worked for would text me that they had sent money, I would receive the notification from this app, and there it was! IN MY ACCOUNT, IMMEDIATELY. The past couple of weeks as been an entirely different story. I’ve had people tell me they’ve sent me money multiple times to receive nothing, I have pending transactions for clients trying to pay me and they’re telling me that this app isn’t going to let it go through for a few days. Your convenience is quickly becoming an inconvenience to myself and my clients. I depend on my money to purchase supplies for the next job and now I have to wait for meager funds to arrive multiple days later, when I could have just taken a check to the bank and had money THAT day. This is the only reason I use your service and will not continue to use you if this is going to be the new standard. And YES I have registered both my phone and email through this app, despite what their useless phone recording poorly suggests. Being annoyed with an app is one thing, but don’t screw around with people’s livelihoods.

I received an email saying that “we noticed that a different name was used to re-enroll with this app which doesn’t match with what you previously used to enroll with this app”. I have not used this app in months and honestly do not like Zelle at all as I use cashapp and PayPal. I tried in the past to delete the account, but it wouldn’t let me. I called customer service and was not given a name of the agent. He was rude and completely disregarded my issues by pushing me to keep the account open. I told him several times that I am worried about my identity as my email is being used on an account that I did not create and in the email it said I “re-enrolled” even though I did not do such thing. He kept saying that my email was unlinked and I could relink it. After pretty much having to get quite aggressive with this man for not helping me at all, I hung up. They do not care about helping you. My email, which is used on my bank accounts, my many bills, and other subscriptions is being used on a this app account I did not create. I am extremely upset about the outcome and hope no one uses this app in the future or god forbid have any problems with it as they are not of help.

Coming from a very honest and educated person do yourself a favor and do NOT use this app. I have been on hold multiple hours due to technical issues on their end which has not allowed me to receive any payments. My account is in “limbo” as the representative stated and needs to be deactivated however I cannot deactivate it as it is something they do on their end. I have been promised multiple times to receive a call backs from management, customer support, and technical support, I have yet to receive any calls from anyone. They guaranteed deactivation within 48 hours and my account is still showing active.
The company I subcontract for has done multiple cancellations as this app requested and sent new payments and I still cannot receive payments because of a technical issue on their end.
Please do yourself a favor find another outfit to send and receive payments unless you don’t mind terrible customer service, long hours on hold to speak to a representative (if you’re lucky to get through), dishonest promises for call backs and errors on this app’s end with accounts they can’t seem to deactivate along with your money and account being in “limbo.” If you don’t mind that then Zelle might be for you.

I recently had to speak to this app Level 2 support because apparently changing my network carrier (even without changing phone numbers or devices) causes problems with the way this app works. I started receiving some A410 error while trying to login. On a quick Google, I found one option to delete and reinstall Zelle . While that got around the problem of login issues, Zelle wouldn’t allow me to register my debit card.

The level 2 support guy (Lewis) said it was a bank problem!! Even after explaining that it was the same card I was using earlier and that when I had a similar problem earlier, it was fixed by this app and not the bank. He literally told me to use alternate banks or go use another app - saying I was free to use alternate apps.

For one, I cannot imagine this is an uncommon issue of switching carriers. The fact that I have to call in level 2 support for such an issue is pathetic. And then the support person had the audacity to simply tell me to switch by banking provider or go use another app just tells me they don’t really care. I am done with this app for life unless it’s integrated with my bank and that’s the only choice I have.

Not even sure where to start. It’s been 13 days since I received an email from asking to create my account so I could receive a transfer of funds. To this day... I have yet to receive any money!! ... I set up my account with the email sent to me. I then added my phone number so I could confirm my account. All of this took place the same day. I waited 4 days and send in an email ticket to discover the status of my transfer. Note trying to talk to a REAL human is yet another excruciating experience.... Their email support reply said that I had to contact my bank to make sure my account was set up.. I did and my bank (Chase, who is one of their listed partner banks) confirmed that this app was linked to my account and I could receive transfers. I waited another day and sent another email asking where my funds are. They then replied saying that the person sending the funds had to check with their bank. He did and his bank confirmed the funds had been transferred and the money was gone. Now this app is saying they never touch the money? Talk about pointing fingers elsewhere.. my friend now had to
File a claim with his bank to get the money back.. which will take more time... and I still do not have any money...

It’s what you’d expect from yet another attempt at making transferring money easier. If you’re unfortunate enough to be the recipient of money through this app, you might keep your sanity if your bank is one of the 10 or so supported ones. Otherwise you get to download this “easy” app, verify your phone number (if you get through the errors), enter and verify your email address, enter a debit card (of which you at least can take a picture instead of entering the number; you still need to enter the exp date, CCV, name and billing address though), and type, by hand, an insecure password that you can both type on your phone and remember. If you use a password manager, you’re out of luck, because you can’t copy or paste the password; Makes this app an easy target for hackers. Once you’ve done all that, maybe it’s easy to send and receive money. But, it would have been much easier to use PayPal or just enter an account and routing number. Or send a paper check, walk to the bank, go in instead of using the ATM, chat with the teller a bit, deposit it, and pick up a mint on the way out - that’d be easier and you’d get exercise, conversation, and a free mint. Do that instead.

I am going to tell you I use this app a lot. It is instant and it is free. I am only giving this a 1 star because I wrote a 3 star in the past and it got NO attention by the company. However, I want to see which bank I have attached to my email, phone number, etc. I have a local bank because there are just some things you can’t do online, yet. I also have a credit union that I use for their higher interest rates. I have yet another bank that deals quite a bit with stocks and crypto and can’t keep up with which bank uses: my email, phone number, etc. I just ask there could be a list somewhere within Zelle or an easier way to check/update this within the this app program within the banking apps. This “list” is really the only reason I have give this a 1 star and when this is updated, I will absolutely be changing this to a 5 star. Zelle is great. Please don’t keep from using Zelle because of this one rating. If you only use one institution or only use to pay a buddy to split a food bill at a restaurant, Zelle is amazing. It just needs an update with which institution on Zelle is attached to which phone, email, etc.

I have a couple different debit cards and needed to get Zelle for an emergency money transfer from someone who only had Zelle and didn’t know how to use other apps so I said ok I’ll just get this app and that will be that..I thought. Then the simplest and easiest part of signing up for any cash transfer app (connecting to your checking account) was impossible. So I figured I’d use my secondary checking account only to be stiff armed, “invalid debit card” ok so then maybe it would be better if you had a list of banks that are compatible since my MasterCard AND my visa debit were both invalid. I’m so sick of everything becoming so complicated. Going back to Venmo which hasn’t given me a single issue.

this app- take notes from other cash transfer apps, yours is unusable and seems like with all the endless 1 Star (probably more like 0 Star) reviews with frustrated users who are probably competent enough to do anything else that can be done on any app, that means the problem is on your end. I hope (and suggest!) that you hire some tech professionals who can configure your app to be more user friendly, or functional would be good too!

For reasons unknown they can’t authenticate my account I believe is because I switched carriers and my information is not fully linked with my new carrier or new bank or whatever. I used it through a bank in the past but Zelle itself is complicated and the support picks up the phone quick but they can’t actually do anything. If Zelle denies accessibility because it can’t authenticate your information the support team can’t identify which information is incorrect Or even look into further. Once you get that error it’s over apparently my thing is it’s wrong! I had the same information for a long period of time my address on file, number, email are all the same with my bank and carrier it makes no sense at all! The fact that they can’t even refresh the process or have anyone who can do a deep investigation on the problem is beyond me. What billion dollar app is in complete control of itself? Maybe the support specialist I talked to was misinformed that’s always a possibility. Looking on google it seems maybe even my carrier (spectrum mobile) and/ or my credit union is the reason for this but I wouldn’t know because they don’t have that information.

Avoid this app. One star because zero stars is not an option. If you have to change your bank info good luck getting paid. You can’t change the debit card info in Zelle or online. You have to call them. After an endless wait you get first level support, which is useless. They don’t know anything, can’t do anything, and some of them barely speak English. After you struggle to understand them and to make yourself understood, they finally transfer you to second level support. This is where you go to die. The wait there is interminable. If you give up you can’t get paid. If you persist chances are you’ll still end up in limbo while they muck around with your account and hold your payments. If you have to add a different debit card they have to delete your account so you can register as a new user and add a new debit card. When they finally called to say my account was deleted and I could now register, I got an error message that my profile was locked, have to call them. Another interminable hold with no resolution. In the meantime of course I can’t receive payments. This company should not be allowed to handle people’s money and Apple should remove their app from Zelle Store.

I am a nanny for a family who’s parents live in another state and I watch the children when they’re in town, and this is how I got paid. It was working just fine I got my payment with no problem. I use a bank that they don’t have a partnership with but it worked just fine if I just put in my card number. So the mother tried to pay me again today and said the transaction could not be processed, so I check my account and it says there’s suspicious activity related to my phone number. Which is bull because when I called that was not the problem at all. So I wait on hold for maybe 20 minutes and the woman who answered was very nice but she checked out my account and said “I was no longer eligible.” My account was just working fine when the last payment came through 2 weeks ago so you can imagine my confusion. So I asked and she said I am no longer eligible for the stand alone app and basically that there was nothing I can do. She said “so you can go ahead and delete Zelle ” like it was a good thing.
If you’re going to offer accounts to those who don’t have a partnership, don’t randomly go through and decide who is and is not eligible.

This company is a joke! The process for migrating from ClearXchange to this app is beyond atrocious. A bunch of 6 year olds could do it better, but that’s the banking industry for ya! On the phone for almost 2 hours only to find out there’s no way to continue to receive company payments with ClearXchange - despite the ClearXchange FAQ’s stating to call customer support if you’re concerned about this. Because... surprise, customer service is now this app and can’t do anything for you under ClearXchange. Then why do you have it in the FAQ’s to call?! And the “201” error I kept getting when trying to use the this app app is because I’m “no longer qualified to use this app.” That really had to be escalated to a Level 2 tech?? What a waste of time! It took nearly an hour to get that answer. Also, it’s fine if you’re going to outsource your call center, but for the love of god please ensure those answering the calls have a firm grasp on the English language. My time on the phone could’ve been greatly minimized had the men who answered my calls been able understand my issue instead of being so confused and going in circles giving me the same canned answer every time. Never again.

After downloading Zelle and set it up I was unable to use this app with the incorporated account in my another bank. Then the bank deleted my email that was creating incompatibility. After that the this app app never worked again. First gave me the error: “log in error, please review your credentials and try again”. I changed the password so many times and never worked. Called this app support and the first line of service I believe are abroad, no kindness, no customer service driven, yet talk rude, I felt I was bothering them by calling. The second line of service is better but did not solve the problem. They blamed on my iOS version, my WiFi connection, my cellphone provider. They made me delete, download Zelle and reset my phone more times that I can remember. The last straw was when they try to blame in the bank from which I am using the debit card, since it is the same bank I work I figured they were just guessing and they did not know what is wrong with Zelle . I requested to have another line of support and they simply said that there was no solution for me. Very bad experience and very poor customer service.

Someone had sent me some $$ so I had to set up Zelle. So when I went to set up Zelle it gave an error because my bank is not high profile so I just called them ...they asked some questions and they fixed error in a very efficient and timely manner. Very polite and though I know it takes a little time to see what was wrong, patient would be the word I would use for folks who don’t have any. I read a review that seemed quit completely incorrect in facts. In review a lot of business and it is important to support business. When there is a problem we should be respectful to the process as people are not machines but performing a service as protocol and process evolves.
I have reviewed business with low stars to help them positively and respectfully that they can make the adjustments needed to customers satisfaction and resolve any further conflicts or concerns.
Thank you this app for being very professional and communication with tech department was outstanding.

This service is the most user u friendly service I’ve ever seen. I registered for this app via my bank’s mobile app using my email, but that wouldn’t pop up when my friend searched me to send me money, so I had to reregister using my phone number. I then got a confirmation text that she deposited funds into my account, but I guess the first time one uses Zelle it can take several business days to deposit the funds, which currently still aren’t in my account. But hey for some reason I got a reminder text that my friend sent me funds even though there appears to currently be nothing I can do to access the funds. So I tried registering on the this app app as well (even though I already registered via my bank), however the funds still aren’t appearing anywhere. I called the customer service number, but there isn’t even an option to speak to a person, you just go through a maze of an automated recording system that is suppose to answer all your questions. It would have just been easier, and faster, for my friend and I to drive to the bank and withdraw the funds.

I know this platform has someone managed to win Integration contracts with banks all over the country, but I’ve attempted to use Zelle a total of 3 times and have had major issues 2 of those times, including the first time I was sent funds. I spent close to 2 collective hours with multiple tech support individuals who told me everything from my Debit card number automatically excluded me from being able to use their service, to my bank not working with this app yet is why I couldn’t collect the money sent me. Finally I spoke to someone with a brain in their head who was able to figure out a solution, but the literal hours I spent on the phone left me with a terrible taste about this company. Today i tried to use Zelle to Send money to someone else, this time that individual being the first time user, and of course, it won’t process the transaction. Tech support tells me that all my information is fine, her bank tells her that it’s me. Facebook and Google/Apple have got this figured out - I don’t know why the company the banks have chosen to work with has so much trouble.