Zelle has become the go-to app for sending money to friends and family in seconds. It is fast, free, and incredibly convenient, which exactly explains why scammers love it too. You might think your transactions carry the same fraud guarantees as your credit card since major banks back the service. Unfortunately, a massive loophole in federal law leaves millions of victims without any recourse. If you voluntarily send money to a scammer, your bank will almost certainly refuse to return it. Today, we expose the harsh reality of Zelle scams and the specific reason why your refund request will fail.
