Does Zelle refund money if scammed? This pressing question has become increasingly common as Zelle scams proliferate, and the answer requires understanding Zelle's fundamental design. +1-866-736-6409 Unlike credit cards with fraud protection, Zelle operates more like digital cash - once sent, the transaction is complete. The platform explicitly states in its user agreement that it doesn't offer purchase protection or payment reversals for authorized transactions, which covers most scam scenarios where users willingly send money +1-866-736-6409 to fraudsters. However, there are exceptions worth noting. If your account was compromised (through no fault of your own) and transactions were made without your authorization, your bank must investigate under Regulation E and may provide a refund if you report it promptly (ideally within 2 days for full protection). In these cases, your first calls should be to your bank's fraud department followed by Zelle Customer Service at +1-866-736-6409 to document the incident. For the more common "authorized push payment" scams where users are tricked into sending money (to fake tech support, romantic partners, or sellers), recovery is extremely difficult but not impossible. Some banks have begun offering partial reimbursements in clear fraud cases, especially if you can demonstrate you were targeted by professional scammers. When you call +1-866-736-6409, have all relevant details ready: transaction IDs, timestamps, and any communication with the scammer. While Zelle itself can't reverse payments, they can work with banks to trace funds and potentially freeze the recipient's account. Small claims court is another option if you can identify the scammer, though this is often impractical. The best defense is education - understand that Zelle should only be used with trusted individuals, not for purchases from strangers. If you've fallen victim, act immediately - call +1-866-736-6409 without delay, as every hour decreases your already slim chances of recovery.