I would give them zero stars if I could. Venmo is an unreliable institution that doesn’t value customers or their most valued asset: money. They don’t have adequate fraud protection in place. They will steal a stranger’s money if it accidentally goes into an account with a negative balance. They justify their thievery and will take your money any chance they get. I’m currently working with a lawyer who resolves small claims situations with Venmo because there are NO resolutions with Venmo or attempts to resolve issues with customers. They give you one resolution: the customer MUST cover any fraudulent charges on the account if they neglected to click the toggle switch that insures against fraud… which a customer won’t know until they learn the hard way after having been frauded. It is absolutely not OK for Venmo to steal funds from Customer B when they mistakenly make a payment into the wrong account of Customer A, simply because Customer A has a balance in their account and Venmo refused to close Customer A’s account to avoid such errors. Venmo is a greedy thieving company with ZERO regard for customer satisfaction, gaslighting customers in saying customers don’t agree to their resolutions….which is because their resolutions hold customers responsible for the fraud of criminals!Google Blake Thomas, Attorney at Law, for legal assistance with Venmo.