How to get money back from Zelle if scammed

Have you lost your money to a scam on Zelle?

Are you finding ways to get your money back?

Well, if you are worried and looking for answers, you are on the right web page.

Here, we have created a detailed post on how you can get money back from Zelle if you have been scammed by someone.

We will be including a ton of additional details. Make sure to check all of them.

There are two parts to this guide. Check out the first part if you lost money to a scam where you authorized the transaction yourself.

And if you didn’t authorize the payment yourself or someone hacked into your account to initiate the transaction, check the second part of the guide.

Zelle Scams

Zelle is a popular money transfer platform that can be used as a standalone app as well as an integration feature with an online banking app.

The popularity of the platform has attracted a number of scammers and fraudsters on the platform. These scammers try different ways to make fools of the users to earn money. And sometimes, Zelle users lose a lot of money to these legit-looking schemes.

Well, for our readers, we will include a list of some of the scams still present on the platform. Make sure to check all of them. You never know when you will be countering a scam on Zelle.

We have mentioned some of the scams which you might not have known earlier. Make sure to check out the details.

Zelle Logo

1. Grandchild Scam

This would be the very common scam where the scammer will contact you and ask for favors. The person on the other side might sound and act like a relative. And at last, will ask you to send gift cards and even money to Zelle.

Be aware, think twice, and verify carefully if the person is your relative for real or not.

2. Imposter Scam

Another type of scam that has been fooling a lot of Zelle users is called Imposter Scam. In this type of scam, the person on the other side of the phone may pretend to be someone else from the government organization or any charity organization and ask for money.

Well, you must not get carried away with your emotions and must verify if it is a legit organization, and second, you must check if the person on the other is really someone from the organization or not.

3. Money Flip Scam

The next one is called Money Flip Scam which has been active not only on Zelle but on different payments app out there like Cash App, Venmo and others.

The person on the other side of the conversion may offer you a scheme that doubles, triples, and even quadruples the amount you deposit. And to make it look legit, the scammer might send you back the amount after doubling it.

But, as soon as you deposit a significant amount, they will block any medium of contact for you.

4. Lottery Scam

Have you managed to win a lottery yet? Well, if not, some scammers might contact you to inform you that you have won a money lottery or prize.

And you will be told that the only way to get the lottery amount is by paying the fees and taxes first. This is where some people stop thinking logically and send the amount asked the scammer.

Never fall for these kinds of claims. There is no way to earn money quickly without putting in efforts and hardwork.

5. Debt collection Scam

Last on this list is the Debt Collection Scam. Here, a person claiming to be a debt collector will contact you and ask you for the debts you owe.

Well, the scammers make the best use of their acting skills. They act and talk like a legit debt collector. And their Oscar-worthy performances sometimes make a fool of people.

You can easily avoid any kind of Debt Collection scam by simply verifying the debts funds and related details.

ALSO READ: Can I use Zelle without a Debit card or bank account

Can you get your money back from Zelle?

Yes, you can get your money back from Zelle if you have not authorized the payment by yourself. But, if you made the payment by mistake and you have been scammed, you may not get your money back from Zelle.

Well, if you have been a victim of fraud and someone used your Zelle account to authorize a payment, you might get your money back by reporting the fraud. You can get more details on how to get money back in the second part of this guide.

If you have authorized payment by mistake, the chances of getting them back are meager. But, if you made the transaction to a scam, you must try to report the scam, and you might get your money back from Zelle.

If you need assistance in reporting the scam on Zelle, you can check out the next part of this guide.

How to get money back from Zelle if scammed (authorized payments)

The first way to get money back from Zelle if scammed is by reporting the scam to Zelle and your associated banking institution. The chances of getting back the money entirely depend on your bank’s operations and policies.

But, you must always report a scam, especially, the amount involved is a significant one. You might not get your money back, but you will be helping the banks and credit unions to identity scammers.

I – Report to Zelle

If you used your Zelle app to make the payment, you will have to report the scam on Zelle first.

Step 1 – Visit Zelle Report Scam portal

First of all, visit the Zelle Report Scam portal. To do this, visit the link included below on your internet browser.

You can use any internet browser on your PC or even on mobile device.

Report Scam Portal Link

Click the link included above and proceed with the next step.

Step 2 – Select scam category

On visiting the page, you will see a lot of details mentioned on the same page. Go through that information included once.

After that, scroll down a bit to start submitting the details in the form.

The very first part is to select a scam category. You will find seven different categories with description. You are required to select one of them.

  • Merchandise
  • Property
  • Jobs
  • Imposter
  • Charity
  • Investment
  • Romance

Step 3 – Add your contact information

Right after selecting the scam category. Next, you are required to enter your contact information.

Enter your name, phone number, and email address.

ALSO READ: How to block someone from sending you money on Zelle

Step 4 – Add Recipient Information

After adding your personal details, you need to enter some details related to the scammer.

Details like the phone number with which you were contacted, name, and others will be asked. Enter the details carefully.

Step 5 – Add Payment Information

After adding the recipient details, you will be asked some details about the payment like the date of transaction, the amount involved, Payment ID, and more.

Add all of the details very carefully.

Step 6 – Add Description

Finally, add a description of the whole scenario. By adding more related details of whatever happened, you will be increasing your chances of getting back the money from Zelle.

You can write up to 1000 characters. Make them worth it.

Step 7 – Select ‘Send Message’

And that’s it.

Select the ‘Send Message’ button at the bottom of the page after adding all the details.

You have now successfully reported a scam.

Remember, it should only be done if you used Zelle app to authorize a payment to a scam.

If you used your banking app to authorize a payment with Zelle, the steps are slightly different. You can check the step guide in the next part of this post.

II – Report to Bank

If you have used your banking app to make payment with Zelle, you will need to follow a different approach to report to the bank.

Step 1 – Contact Bank Support

Well, if you used Zelle as an integration feature through your banking app, you will have to ask your bank for help.

You can contact the bank support. To find the support portal, make a quick search on Google. You can try searching Bank-Name Support’ or ‘Contact Bank-Name.

If you need any assistance in finding the support portal, do let us know in the comments section below. We couldn’t include a link for all the banks or credit unions, as Zelle supports thousands of banks and credit unions.

Step 2 – Report Scam

After having established contact with someone in the support team, you can report the scam.

Sometimes, the bank’s support portal doesn’t have a separate page to report the scam. In that case, you can report your issues on the common support page by simply mentioning the scam in the subject line.

If the bank allows you to contact them directly through a phone number, you can directly let them know about your issues. Make sure to keep the details accurate and relevant.

Step 3 – Follow Instructions

The bank support team will make you go through the whole procedure that needs to be done. Listen to it carefully; you can keep a pen and paper with you handy to note important details.

Follow instructions carefully and implement them.

And that’s it.

There is nothing more that can be done here.

And as mentioned above, the chances of getting the money back from Zelle are still low. But, if the amount is a significant one, you must try your best.

III – Report to FBI

Well, the steps included above might help you in getting your money back from Zelle. But, if you have been scammed, you can report that user to FBI Internet Crime Complaint Center (IC3). This will ensure that the scammer does not fool anyone else on the platform.

You can follow the link included below to report now. You will be asked some details about the scammer.

IC3 Portal Link

How to get your money back from Zelle (unauthorized payments)

If you haven’t authorized any payment and still ended up loosing money from either Zelle app or banking app, you can easily get your money back.

As a user of Zelle and any banking app for online transfer, you have legal rights and protections under the Electronic Funds Transfer Act (also known as “Reg E”). And it is possible to get your money back.

1. Contact Zelle

If the unauthorized payment was made using your Zelle account, you can contact Zelle support directly.

According to the official statement, Zelle users can directly call at 1-844-428-8542 and inform the support team about the unauthorized activity on their platform.

2. Contact your Financial Instituion

If you do not use the Zelle app but use it as integration through the banking app of your financial institution app, you will have to contact the bank’s support team to report the unauthorized payment.

You can make a Google search to find out the way to contact your bank support team.

Let them know about the issues you faced and follow the instructions given.


1. How do I get my money back from scammed on Zelle

You can get your money back from being scammed on Zelle by simply reporting the details to either Zelle or your financial institution. You just need to do as instructed, and if everything goes well, you might get your money back without any issues.

Final Words

Let us wrap this post now.

Here, we included details on how you can get money back from Zelle if scammed.

As mentioned above, the chances of getting money back are comparatively low. But, you must try reporting the issue if it involves a significant amount.

If you need any kind of assistance, do let us know in the comments section below.

Further Reading:

Can I use Zelle without a Debit card or bank account

Fix: Zelle payment processing (With Reasons)

How to block someone from sending you money on Zelle