Hi flyfishergirl,
Is this a newly registered user or old user? Do note that if you change the alerts default options in the Alerts page, current user's alerts setting will not change. It will only affect newly registered users. Previously registered users will have their alerts setting stay the same unless you change them inside their account.
If the issue persists for newly registered users, can you start a new thread with the relevant details so we can investigate this? Thanks.