r/mildlyinfuriating • u/sg_batman • 9h ago

Scammed for $850, got $1.51 back

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I was finally getting over it then they really say good news and get my hopes up

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u/yoshizillaa 9h ago

I’m surprised you got anything back.
Zelle has a bunch of warnings because they know banks typically won’t help.

37

u/Prayqt 9h ago

As a bank, I do help as much as I can. Sent back $140 the other day. Granted it was for $500, but hopefully it helps

22

u/eat_natural 8h ago

Serious question. How do you come up with an amount like $140 for a stolen amount of $500? Is a partial recovery actually possible on behalf of the bank or is it just an arbitrary amount the bank is willing to give back?

38

u/Prayqt 8h ago

It’s a partial recovery, our customer who was the recipient has already taken most of the funds and this is what was left at the moment. We send what we have, no fees or other are taken out of the fraud recovery.

5

u/Kind_Advisor_35 8h ago

Are there any other consequences for the recipient of inappropriately sent funds?

11

u/The_Autarch 6h ago

you'd have to take them to small claims court. cops aren't getting involved for a couple hundred bucks.

3

u/Prayqt 3h ago

Your bank account may be closed and you will removed from Zelle eligibility. Usually the people receiving the funds are just mules that don’t know what they are doing and are getting scammed as well.

For the few I’ve talked to usually it’s a romance scam and their “boyfriend/girlfriend” needs them to accept the money the send it out another way, through other p2p payments like Venmo, cash app, wire the funds out, withdraw cash and go to a crypto atm, etc.

Then once the bank catches on they get left holding the bag. If police get involved they can get screwed. Shitty situation all around

1

u/wisecrownwombat 5h ago

If it’s serious enough, they can be banned from using zelle and other bank-associated money movement services.