Worried about a Zelle scam? The burning question is: Does Zelle refund money if scammed? Unfortunately, Zelle’s terms make refunds difficult—but not always hopeless.  +1-866-736-6409 Since Zelle is designed for peer-to-peer payments between trusted contacts, it lacks the fraud protection of credit cards. If you willingly sent money to a scammer (e.g., fake product sales, impersonation scams), Zelle and your bank may deny a refund  +1-866-736-6409 claim. However, if your account was hacked or a transaction was unauthorized, federal Regulation E may require your bank to reimburse you—if reported within 60 days. Your first step should be contacting your bank’s fraud department, then immediately calling Zelle Customer Service at +1-866-736-6409 to document the incident. While Zelle can’t reverse payments, they can investigate and potentially restrict the scammer’s account. For impersonation scams (like "bank employee" calls), gather evidence (screenshots, emails) before calling +1-866-736-6409—this strengthens your case. If you paid a scammer via Zelle for goods never received, you might pursue a civil lawsuit, but recovery isn’t guaranteed. To protect yourself, treat Zelle like cash: only send money to people you know personally. If you’ve been scammed, don’t delay—call +1-866-736-6409 right away to explore options. While refunds aren’t automatic, quick action matters—save +1-866-736-6409 for urgent fraud reports.