Zolve

Do not open anything with them. Their systems seem to strangely have a lot of unauthorized charges on people's accounts and when you dispute them they end up locking up your account, not wanting to give you your money back and keeping it for themselves. And horrible customer service. This company needs to be shut down permanently.

I applied for a credit card in early January. I have received nothing at all. No updates, no responses to my emails, etc. This is a terrible company. It's always the same answer, "You're on the list." I asked for a manager and got nothing. I just finished chatting with a live agent, or so I thought. The service of this company is terrible. Management? Hello?

I want to share my experience with the Zolve credit card so that other international students are aware.

I had fraudulent transactions amounting to about $2500 through Apple Wallet on my Zolve card. I never shared my email, password, or OTP with anyone, yet the transactions still went through. When I contacted support, they informed me that the transactions were authenticated and they could not assist further.

As a student, dealing with such an issue is very stressful. It also made me question the security of this card.

Honestly, I would not recommend this card to students coming to the U.S. on an F-1 visa. It may be better to come to the U.S., obtain an SSN through an on-campus job, and then apply for cards like Discover or from other U.S. banks, which seem much more secure.

Additionally, since this card is issued from India, resolving issues in the U.S. can be challenging.

I am just sharing my experience so other students can make a more informed decision.

My card has been blocked for 43 days and counting with no response or resolution.

I had a poor experience with this service. I tried multiple times to make payments but was unable to due to system issues. Customer support asked me to submit a bank statement for investigation, which I did, but the issue was never resolved. Instead, I was charged $240 in late fees, and my waiver request was denied without a clear explanation. I was willing to pay, but the lack of support and accountability made this very frustrating.

I wouldn't recommend this company to my worst enemy. Zolve has kept my credit card blocked for over two weeks without any explanation, despite promising a "24-hour update" that never arrived. There has been no suspicious activity—just a normal dispute I filed. The card had already been failing during ordinary usage (it took eight engagements with customer service to get it to work), and now it's completely frozen while customer service gives me the runaround. I contact them nearly every day.

For a fintech that advertises 24/7 customer service, this level of non-response over two weeks is unacceptable. It feels like they only care about growth because once you're in, the card becomes unpredictable and impossible to use for customers.

I've filed complaints with the BBB, CFPB, FTC, Zolve’s executive office, and their partner bank (Community), with zero response. At this point, it seems like they’re intentionally leaving my account locked indefinitely without explanation. Yet I'm of course due to pay my bill.

Do NOT use Zolve. It's clear from mine and others' experiences in this comment section that this is the standard.

I got approved for a 5,000 credit. I paid my rent and now they've locked my card. They told me to wait 24 hours, and it's been 5 days with no update. I'm struggling out here; I'm about to be homeless.

Even though it looks good, there are always card-related issues and no customer support or services, yet I receive calls every day after a delayed payment.

Similar experience to other users. They are forcing me to pay 620 USD worth of fraudulent transactions after 4 months. The fraudulent transactions took place in February and now in July they are saying that I made these transactions and I have to pay them. They are a fraudulent organization and I'm looking for legal resolution now. I have no idea how I'm going to get out of this situation and I hope no one else goes through the same. I'll probably have to sue them now.

Got multiple fraudulent transactions of around $500. They didn't resolved the dispute and after taking 3 months, they held me responsible for the fraudulent transactions. Customer service is pathetic and very unprofessional. They don't even have a customer service number, which is such a stupid thing to have as a credit card lender. You just can't contact them beside just stupidly mailing them with no positive response. They don't give a shiiit!!! Don't even think of getting a credit card from them. Worst experience ever!!

Multiple fraud charges occurred on my card while it was with me, and no one had access to its details. Now they say that I need to get proof from the merchant that they charged it wrongly, and only then will Zolve refund my charges.

These guys have a significant security flaw in their system that allows fraudulent transactions to keep happening repeatedly by the same set of merchants.

Zolve has the worst customer service. While talking to me about collections, one of their associates asked me, "How are you able to pay rent and afford your food?" when I told him I would need more time to clear the bill. This is very insensitive. He kept raising his voice multiple times. They do not respond on time when we want to make a payment. They respond at their own convenience. The APR is very high, and they start charging it from the third month itself. They say we can pay by cash at different stores, while those stores do not even recognize Zolve. They pressure you so much when it comes to collections. They keep calling you, texting you on WhatsApp, emailing, etc., for bill payment but do not respond at all when queries or disputes are raised. Associates are very rude and don’t try to help in any way. All they care about is money, even after you agree you want to pay the entire amount with APR and the late fee payment.

I took Zolve and Deserve two and a half years ago. I didn't use it much; I used it for three months and cleared the payment. I lost my wallet in New York, Brooklyn, and my phone too. There were many fraudulent transactions. I complained to the Deserve team and paid nothing to the Deserve team due to the fraudulent transactions by theft and disputed it. However, Zolve doesn't have proper app support, call support, guidance, communication, a complaint cell, or email support; they don't care. Third-party scammers, unknown calls asking for SSN , passport & state ID via non-fluent tele-callers from Bangladesh. Farewell to Zolve.

Stop falling for their false hope in the name of the credit card. They provide the worst service. Even after 5 days since I applied, I haven't received the credit card.