Zelle is instant and irreversible — perfect for scammers. Paste the message or screenshot here and ScamGuard checks it against bank impersonation, overpayment, and fake-refund scripts.
Caller spoofs your bank's number: 'Fraud detected — Zelle $400 to yourself to reverse it.' The contact 'yourself' was added by them earlier via phishing.
Buyer sends fake $600 screenshot for a $400 item, asks for $200 back via Cash App. Original Zelle never arrives.
Almost never. Zelle transfers are treated like cash — once sent to a real account, your bank usually won't refund. Authorisation by you = no fraud claim. That's why scammers love it.
You get a call/text saying 'fraud detected on your account — send a Zelle to yourself to cancel'. The 'yourself' contact is actually the scammer. Banks never tell you to Zelle money to anyone.
A 'buyer' sends a fake Zelle screenshot showing more than the agreed price and asks you to refund the difference. The original payment never arrives.
Yes — first check is free.
Call your bank's fraud line immediately and file a Reg E claim. Save every screenshot.
1 free check, no signup needed. Then create an account for unlimited investigations.
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