Similar issue with customer service. No one to talk to. We use QBO/Melio to pay our vendors with direct ACH bank information. We were notified by our vendor with over due invoices. After further investigating, I checked my mailbox for the confirmation e-mail that payment has been scheduled with payment paying from our account to vendors account (last 4 number of accounts) which is correct.  However it was sent to a different vendor’s debt account without our notice.  Melio stated that our vendor’s email was compromised. I did not know that payments to vendors can change where it’s deposited. Vendors have the option to switch bank information before final deposit (Melio’s attempt to grow their user base with our vendors).  So, as we stand. My vendor has not received the last 3 payments totally over $8,000. And no resolution from QBO/Melio other than we have exhausted our option to retrieving the payments that were sent. My biggest issue with this is that the vendors routing number and account number is irrelevant and nothing we can do to make sure it gets deposited to the accounts we enter into QBO/Melio. Below is their direct response.