[paulocal]

This happened to a friend of mine. She had listed a mattress with bed for sale on FB marketplace. Someone reached out and bought it and said would arrange pick up. They sent a screenshot of them Zelleing her. After a few minutes they reached out and told her they changed their mind because they cant pick it up and if they can Zelle them back. She did thinking it just hadn't hit her account yet. $1800 down the drain.

[notyourwork]

So she sent $1800 to someone without first seeing a pending transaction of any kind for a $1800 credit? Some things have to be learned the hard way if that's all it takes.

[cuteboy19]

The solution for this is instant SMS narratives. If you do any kind of transaction, whether receiving or sending, you will get an SMS detailing the (completed) transaction.

Over time people will be conditioned to wait for the SMS before finishing any transaction

That is how UPI does it anyways

[bbatsell]

No, the scammer stole someone’s credentials and the bank clawed back the payment. The bank can always reverse it at any point in the future. The consumer never, ever can.

[kjs3]

This is Zelle's fault? A screenshot? Either you have low friction financial transactions or you bubble wrap the whole thing so people don't do incredibly stupid shit.