Imagine opening your banking app and discovering an unexpected $450 Zelle payment from someone you’ve never met. Before you can figure out where the money came from, your phone buzzes with a message from a stranger explaining that they accidentally entered the wrong phone number. They apologize and ask you to send the money back immediately. It seems like an innocent mistake, and returning the money feels like the right thing to do.
But what if that unexpected deposit is actually part of a scam?
