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From Zelle Themselves (see graphic below, click here for full website): If you are scammed then the banks and Zelle try to hide behind saying that technically and legally there was "authorizing" of the payment. They say this because under the law Zelle does not have to compensate you. Just like a banker, that is Zelle's interpretation of the law because it protects them, not you.
In reality the definition of "authorize" goes directly against that absurd interpretation:
 
to give official permission for something to happen, or to give someone official permission to do something
 
 
So Zelle's interpretation does not take into account the important underlined portions. In order to authorization to happen then "something" is gong to be done or is going to happen based on your permission.
 
It would seem Zelle is siding with the Scammers because with Zelle's interpretation they are saying you gave the Scammer permission to scam you, because that is the "something" that happens, or what the permission was given for and in order for authorization to have happened there needs to be this permission given. This is the only reading using the real definition.
 
I am pretty sure nobody authorizes, or gives permission, to someone to take our money and give us fake tickets, or for that something to happen, but that is what Zelle claims User's are doing. When you take off the greed goggles it is clear to see no authorization was given as defined. The user is giving authorization or permission for the bank to pay for tickets.Alot of times the scammers are repreat offenders and Zelle has the data to know this, but it would take work, and the work's end would be Zelle having to pay back customers so they have no motivation. In fact they have motivation to let it keep going because they make money per transaction.
 
 
ACCORDING TO ZELLE A "SCAM" OR "CON" IS TOTALLY DIFFERENT THEN A FRAUDSTER SCAMMING YOUR CREDENTIALS AND THEN TAKING YOUR MONEY OUT THEMSELVES.
 
THIS IS ZELLE AND THE BANKS WAY OF THINKING TO MAXIMZE PROFITS, BY SPLITTING LEGAL HAIRS, OR "LAWYERING" SO THEY  DO NOT HAVE TO BACK THEIR PRODUCT. 
 
 
HOWEVER, IN BOTH SITUAIONS YOU ARE NOT GIVING AUTHORIZATION FOR THE PAYMENT THAT YOU, THE CUSTOMER THINK YOU ARE MAKING. IN REALITY IF YOU GET "SCAMMED" THEN YOU ARE NOT "AUTHORIZING" A PAYMENT REGARDLESS OF WHEN THE FRAUDSTER WAS HANDED YOUR MONEY BY ZELLE
 
ZELLE MAKES THE ARGUMENT YOU AUTHORIZED A PAYMENT THAT WAS GIVEN IN RETURN FOR NOTHING AND SO IT IS YOUR PROBLEM. THAT IS HOW THEY AVOID HAVING TO FIX IT.
 
HOWEVER ZELLE AND THE BANKS WOULD HAVE YOU BELIEVE THAT SINCE SOMEONE CREATED A FAKE TRANSACTION AND ZELLE PAID A SCAMMER YOUR MONEY DESPITE YOUR PERMISSION NOT BEING GIVEN FOR THE REAL REASON OR TRANSACTION.
 
ZELLE TURNSA BLIND EYE AND PLAYS THE LAWYER GAME: YOU "AUTHORIZED" THAT FAKE TRANSACTION AND THEREFORE THE FAKE PAYMENT SHOULD REMAIN A PROFIT CENTER FOR THEM WHILE YOU LOSE YOUR MONEY.
 
THIS LOGIC IS FLAWED AND SHOULD BE CHALLENGED IN COURT. YOU CAN ONLY AUTHORIZE A TRANSACTION IF IT IS THE SAME TRANSACTION AS YOU ARE BEING TOLD IT IS; OTHERWISE YOU ARE NOT AUTHORIZING A SCAMMER TO TAKE MONEY FROM YOU UNDER THE GUISE OF A LEGITIMATE PUPPY SALE                                                       

COMMON ZELLE FRAUD AND COMPLAINTS

Fraud and Scams: Many users report instances of fraud, where they unknowingly sent money to scammers posing as legitimate sellers, friends, or family members.
Irreversible Transactions: Zelle payments are often irreversible, and users sometimes send money to the wrong recipient or fall victim to scams, making it difficult or impossible to recover their funds.

 

Lack of Buyer/Seller Protection: Zelle was primarily designed for peer-to-peer transfers between people who know each other, which means there is limited protection for buyers and sellers in online transactions. Users may find themselves without recourse when dealing with unscrupulous individuals.

 

Account Security: Security concerns include the potential for unauthorized access to Zelle accounts, leading to unauthorized transfers and potential financial losses.

 

Customer Service: Users often express frustration with Zelle's customer support, including difficulties in reaching a live agent and resolving issues.

 

Delayed or Failed Transfers: Some users report delays in the processing of Zelle transfers or even instances where transfers fail to go through.

 

Incompatibility with Certain Banks: Zelle is integrated with various banks, but some users may encounter difficulties if their bank is not supported or if there are technical issues with the integration.
 
User Authentication: Some users have concerns about the authentication process for adding a new contact on Zelle, as it relies on email addresses or phone numbers, which may be vulnerable to exploitation.