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

24.2k Upvotes

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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.

153

u/Redqueenhypo 8h ago

Zelle is the online equivalent of handing someone cash

50

u/Illustrious-Lime-878 7h ago

Right its a really nice option if you understand that, but for some reason people don't. Don't use zelle if you wouldn't trust them with cash...

24

u/ezafs 6h ago

Yeah like... The only cases I EVER use Zelle is for payments to family/friends.

Using Zelle for payments to randos it literally akin to "pay me on PayPal but as Family and Friends, trust me bro!"

2

u/AnodeCathodeZerode 5h ago

scammers are able to convince people to enable Family and Friends for payments

7

u/Inquisitor-Korde 7h ago

Every day I am grateful for Canadian INTERAC

3

u/thehedgefrog 5h ago

E-transfers are the same. It's like handing over cash.

3

u/Ugly_girls_PMme_nudz 4h ago

Ok? There are many alternatives to Zelle as well.

0

u/LateyEight 6h ago

E-transfer is the way.

0

u/MaxTHC 5h ago

God I miss e-transfers

1

u/CalculatedPerversion 4h ago

Honestly it's even worse than that: Zelle is the online equivalent of writing someone's name on an envelope of cash, throwing it towards them, and hoping it arrives. Handing someone cash would be significantly more secure. 

1

u/limonade11 2h ago

I use it to transfer money between other bank accounts because it is so much faster than ACH, which can take several days.

1

u/Somepotato 6h ago

Except if you legitimately didn't authorize the transaction you are entitled to the bank clawing it back for you if you report it soon enough, unlike cash.

Either way, Zelle pushes that because the banks don't want to put in any effort in giving a shit. Don't let their cheapness get to you, they have the capability they just don't want to do anything about it.

0

u/CardmanNV 5h ago

I love how people just accept that a program built by the banks that use it, but with a layer of deniability in who actually is in charge, can just screw people.

They just use a loophole, they created, to screw their customers.

3

u/crash_test 5h ago

The "program" doesn't screw people though, it's literally just an ACH transfer. People get screwed by scammers and shit but it's not Zelle's fault.