I was expecting a refund from a company and they sent it thru Zelle. Zelle notified me that they had my refund, but my bank will not accept Zelle, so I did as I was advised from Zelle and downloaded this app, so I could receive my refund sent to my debit card. After waiting for my refund, I spoke to a supervisor who advised that it is the sending bank that is not sending it. They are getting paid for doing absolutely nothing. Meanwhile, I'm out my $$$ and Zelle won't return my money.