[mattbee]

The author very kindly addresses my comment in a PS:

I also, admittedly, allowed my cynicism toward my own industry and Wells Fargo to cloud my judgment; I didn't know the first thing about Apple Pay or Google Pay prior to this incident, but I don't have particularly positive experiences or feelings toward either company, and it's extremely common for the process of fixing someone else's mistake on large tech platforms to be nightmarishly convoluted.

Ultimately she did realise & fix her mistake - at some pace - lost nothing, and got an up-close view of a scam in progress.