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Scammed by Zelle
Old 06-12-2022, 04:50 PM
  #1

I learned the hard way never to use Zelle, which is a cash transfer app. It links to your bank and automatically credits or debits your account.

Last night I received a text from a local man who wanted to buy a bike I'm selling. He insisted on paying me immediately through Zelle. I usually ask for cash. He paid me, it didn't come through. Then he told me he paid me again. It didn't come through again. This man started getting more and more aggressive in his texts and seemed distraught that he had paid twice. He started calling me! I didn't answer.

Suddenly I got 5 emails from Zelle, each one telling me to pay the man money. Each email asked for more money. It was confusing and hard to determine what was going on. I still hadn't gotten paid.
All of this was happening late at night. I finally decided to pay him the amount he had overpaid, which was $350. He then got my money and ran. He didn't buy my bike, I didn't receive any payment, and banks do not cover refunds from Zelle. It was a scam; the emails were generated by this man. I lost my money.

My daughter-in-law, who is a fraud investigator for my bank, told me today that no one uses Zelle anymore because it is often targeted by scammers.

I learned a hard lesson. Please don't use Zelle.


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Old 06-12-2022, 05:02 PM
  #2

Yikes. Sorry that happened to you.
I do use Zelle, but only with people I know personally (like reimbursing friends or family members for group gifts or to split a restaurant bill). Good to have this warning in mind though so I make sure to keep it that way.
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Old 06-12-2022, 05:03 PM
  #3

Iím sorry to hear that. I always use Zelle but only with friends. Thanks for the warning.
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Old 06-12-2022, 05:10 PM
  #4

While this is an unfortunate situation that happened to you, this doesn’t sound like you were scammed by Zelle.

It sounds like you were scammed by a man using Zelle as his means to get you to send him money.

I receive a text message immediately when somebody sends me any amount of money through Zelle.

If the money he supposedly sent you wasn’t in your account I don’t understand why you would have sent any money to him?


I use Zelle to send money often, it’s actually in my bank app and money is immediately sent/received if both people are registered.
I use it with friends/family and I’ve used it when buying/selling items, I’ve never had an issue.
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Old 06-12-2022, 05:40 PM
  #5

I occasionally use Zelle and have never had a problem. I agree with Lilbitkm. It sounds to me as if Zelle was merely the vehicle for the man who scammed you. I am so sorry this happened to you.



Last edited by amiga13; 06-12-2022 at 06:18 PM..
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Old 06-12-2022, 05:59 PM
  #6

I just wanted to say I'm sorry that happened to you, it's such a yucky feeling.
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I am sorry that happened
Old 06-12-2022, 06:00 PM
  #7

Thank you warning us.
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Scam
Old 06-12-2022, 06:05 PM
  #8

Iím sorry that happened to you. Thereís another scam where the person sends more money than youíre asking for (for some made up reason) and asks you to send back the difference. All these kinds of scams require the correspondence to look legit and for you to feel pressured. Scammers are so good at making an email or website look legit, if you feel uneasy at all tell them you will not respond to any communication until you have personally contacted your bank.
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Old 06-12-2022, 06:21 PM
  #9

I'm so sorry that this happened to you. Thank you for the warning. I use zelle with friends so often that I wouldn't have thought twice to use it for a sale with someone I didn't know.
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Old 06-12-2022, 06:24 PM
  #10

I almost had the same thing happen to me this week with Zelle.
Once the person kept insisting they needed to give me $100 to make my account a business account, snd then i would need to send them the $100 back, i told them to forget it. I looked it up, and this is a common scam with zelle.


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Old 06-12-2022, 06:30 PM
  #11

Ugh, I'm sorry that happened.
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Old 06-12-2022, 06:44 PM
  #12

I just read about a similar scam with scammers and zelle, too! It was on my local next-door app. I am so sorry this happened to you! I can see getting flustered with the numerous, threatening e-mails. That is what they are counting on!!!! Can you imagine how many people are getting scammed these days?!?!?!?

I will only deal in cash after reading your story and the story on NextDoor.

Again, I'm sorry. It's a horrible feeling.
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so sorry
Old 06-12-2022, 09:35 PM
  #13

It's awful being violated like that. Thank thank you for sharing this!
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Very sorry this happenedÖ
Old 06-13-2022, 02:00 AM
  #14

I donít use Zelle, but I have a Venmo account because the leader of a hiking group I am in likes to be paid electronically as an option. I prefer not to use it.

Scam attempts are all too common. My neighbor called me one night and she was almost scammed by someone claiming to be from Amazon security. She had also gotten an email that at first glance, looked legit. He also claimed he needed a transfer of money in order to catch someone. He wanted her to go to an ATM at a CVS and send it to him. We hung up, and he kept calling her. It was scary. We reported this to her bank and Amazon. Luckily for her, no money exchanged hands.

I am so sorry this happened to you.
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Old 06-13-2022, 06:56 AM
  #15

I am so sorry this happened to you. People can be so disgusting.
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