[joecool1029]

To expand a little on this, Zelle and debit card transactions are covered under Regulation E: https://www.consumerfinance.gov/rules-policy/regulations/100... . So there’s a codified procedure for disputes, it’s just a little less consumer friendly.

[cryzinger]

Patio11 has a fantastic writeup on exactly this: https://www.bitsaboutmoney.com/archive/regulation-e/