"Appalling customer service. Blocked my account due to my wages being paid in... I could not access any money, was left late at night, unable to get home. Their emergency line cannot deal with emergencies...a female, left late at night, with a disability, with no access to their account. They did NOT return calls, could not escalate my complaint. Gave ridiculous advice. Then sent a text asking for feedback...which is unusable due to an error. Laughable. Oh and if you have a ZOPA credit card, on the ZOPA app, you cant actually select ZOPA as a bank to pay ZOPA. Genius. I am moving as soon as possible. BAD BAD SERVICE AND COULD PUT VULNERABLE PEOPLE IN A DANGEROUS SITUATION WITHOUT ACCESS TO YOUR OWN MONEY."

"I\u2019m truly grateful for the team mentioned in my bio. Their swift response, professionalism, and deep understanding of investment fraud gave me the support I desperately needed. Thanks to their guidance, I was able to recover my lost funds. I highly recommend their services to anyone in a similar situation."

"I had a terrible experience with Zopa when I was the victim of fraud on my account. Despite reporting the issue promptly, their investigation process was extremely slow and frustrating. They only refunded a few of the fraudulent transactions and refused to refund others\u2014even though they happened at the same location and time, and some were attempted after I had already reported the fraud!\r\n\r\nTheir fraud team kept repeating that they were \"investigating\" but gave no proper updates, and in the end, they just closed the case and refused to help any further. I was left out of pocket for transactions I did not authorize, and their justification made no sense. There were also multiple attempted transactions after the fraud was reported, showing clear ongoing risk, and they still didn\u2019t act properly.\r\n\r\nIf you\u2019re looking for a bank that takes fraud seriously and protects its customers\u2014Zopa is not it. I\u2019ve lost trust in them and would not recommend banking with them to anyone."

"I had a terrible experience with Zopa when I was the victim of fraud on my account. Despite reporting the issue promptly, their investigation process was extremely slow and frustrating. They only refunded a few of the fraudulent transactions and refused to refund others\u2014even though they happened at the same location and time, and some were attempted after I had already reported the fraud!\r\n\r\nTheir fraud team kept repeating that they were \"investigating\" but gave no proper updates, and in the end, they just closed the case and refused to help any further. I was left out of pocket for transactions I did not authorize, and their justification made no sense. There were also multiple attempted transactions after the fraud was reported, showing clear ongoing risk, and they still didn\u2019t act properly.\r\n\r\nIf you\u2019re looking for a bank that takes fraud seriously and protects its customers\u2014Zopa is not it. I\u2019ve lost trust in them and would not recommend banking with them to anyone."

"When I lost access to my funds, I honestly didn\u2019t know what to do. I was stressed, frustrated, and starting to lose hope. Then I came across Mrs. Olivia and her team. From our first conversation, they were kind, responsive, and genuinely interested in helping. They took the time to explain everything and never made me feel rushed. With their help, I got my money back\u2014and I can finally breathe again."

"Just send a WhatsApp message to Daisy at +1 (505) 402-0714 with the code, and she'll help you get your refund sorted right away"

"So, the service seems good on the surface. Fast responsive website and what seems like brilliant customer service. \n\nRemember, all that's on the surface. Now to the \"Real Zona\". \n\nI took out a loan of \u00a316000. Called them to ask a few questions, checked out the monthly payment for affordability and also looked at the total payable. API was quoted as 22.9% resulting to almost \u00a310k in interest payments over 60 months. All good so far as I had all the information I needed right there in front of me and as I had been informed I could settle early (which was the plan) without being penalised, the total payable didn't bother me as it would be reduced by an early settlement. \n\nI was wrong. All my dash boards showed \u00a316000. Turns out Zona charged me an arrangement fee of \u00a32,300 (14%+) but hid it in the \"Loan Conditions\" which you either have to click as a link to view whilst applying or, navigate to when your a customer. Sleazy act buttressed by the point that it should be boldly displayed on your account dashboard and loan information if it wasn't meant to be a dubious charge. Time to pay off the loan and I'm told a out the \u00a32,300 charge (they politely told me where to find it). \n\nSadly, you ha 've to complain to Zona first before you can escalate your complaint to the regulators. I complained to them and they then acted like they're actually investigating for 10 days but end up sending a letter with the conclusion I was expecting anyway - the fee was stated in your terms and conditions and you should've read it. \n\nVery shifty dealings if you ask me and I'll be going to the ombudsman about this. I probably won't get the fee waived !UT I'll join a list of growing complaints with the ombudsman and if the list gets long enough they'll be forced to deal with Zona accordingly. Stay clear of them unless you've been told about this hidden fee (okay, may be not hidden but placed in a document you'll never read after confirming monthly payment and APR etc) and you're happy with it. "