Why? Why would your bank ask you to transfer money? Especially considering they can stop any transaction. Scammers only want 2 things, your money or your id so they can scam others with it. Also Biden doesn't want you to know there is a feature in your phone settings to filter scam calls because it will also filter telemarketers and that's tax revenue lost. I only receive calls from numbers I know.
I used it through a secure login to my USBank account, I sent Zelle under $1,000, it worked fine, I also sent $3,000 on Tuesday, my recipients received them in minutes but last week I sent Zelle for $2,000 in the same manner just Wednesday and my bank's website displayed it will be received in minutes...so I trusted, but 1 week after my recipient has not received the funds at all. I called the USBank today, and they said if I authorized the Zelle transfer that nothing they can do. I may only file a complaint, but it will get denied because I authorized the Zelle. This made me furious. Had I known this before I would have not used Zelle. From now on I won't use Zelle anymore.
If banks don't want to reimburse people, then they need to stop promoting Zelle. I would get emails from my bank explaining how easy it is to use Zelle and that I should use Zelle. When I sign in, there is a tab in my account to use Zelle. They are helping Zelle obtain more users. This is why regulation is important in banking. When you have gray areas like this, the scammers win, the banks aren't affected and the consumer loses.
The first clue that it is a scam is your bank calling you, like when in the history of American banking has the bank ever called you regarding a checking or savings account issue...
I feel bad for these people. However, anyone who gets a notice by text or email and then gives out personal info like that is duped. How is that the bank's fault??
I think there should a mandatory course in high school (Just like Heath/Sex Education) except this course will teach young adults the importance of keeping their forms of identity both virtual and physical secure and how to identify potential scams or phishing texts, messages, or emails. A lot of people become puzzled when they ask how did this person know my name?, my phone number?, my address?, etc.... and there is a ton of ways that can happen with the resources that are available online or even through the dark web, but the most common way is through the every day devices we come in contact with in private and in public. So we need to make sure that we are only sending out sensitive info when we need to and only using secure devices and secure trusted websites to exchange such info.
What are you talking about? Your name is on Facebook for all to see. That's why I hate facebook. They don't want you to use aliases and then you become a prey to scammers.
I got bitcoin Forex Scammed Big Time. They really did me bad. Used my Credit Cards and abused them..I still owe on them. But when I finally figured it all, i made them hang around waiting for my money then I told them to take the money you stole from me and teach the naive seniors what not to do or say. How to n9t get scammed on line.
I was a trainer at Chase in their Fraud Dept. and I agree about giving personal information over the phone. However, for this scam they did not ask you for personal information. And the scammers followed the same procedures as Chase does when there's fraud on the account. They send you an email or text asking you to confirm a purchase. All you are doing is clicking yes or no and that's what the scammers did. However, the tricky part comes in when they call you and ask you to Zelle back the money that you lost. Then that should cause you to think why would I sent more money to a company that I just said that I didn't send any money to, to reverse the transaction? That's when I said this is wrong and I hung up and called Chase. They said there was no transaction on my account as the scammer described to me. You have to be really paying attention to what's being asked of you because the scammers are getting smarter and smarter.
Scammers are skilled and no amount of education can keep up with the changing technology. Scammers will find a new tactic. Chase knows about the scams and is doing nothing
The same thing happened to me back in October of 2021. I stopped the call right before I started to push the button. I then called Chase and they said that they have no record of me making a transaction to the company that the scammer said that I did. And I can see how you can be fooled into thinking it's the bank calling you because the scammers follow the same procedures as Chase bank does for their fraud transactions. Because I almost took the bait.
Hey, be more compassionate the banks do this on purpose they have all the tools to stop scammers but I bet you think it would be foolish to sue a bank lol
This is why I use an account with very limited amount of money in it for online purchases. Even if someone were to scam me for $5000, I would know that's a scam and just say, "Pfft! Take it, I don't even have 10% of that in this account."
@@koreyb or just don’t be foolish and give out your account information for the use of Zelle. For online purchases and credit card payments this is a great or better yet brilliant strategy. That way your money’s not tied up if someone does charges an account it goes negative you put it in dispute your monies not tied up and that’s a great idea. Or, it doesn’t go through if you don’t have the overdraft protection on it. What’s not there won’t be charged either way it’s great but as far as Zelle goes, the only way that someone’s going to use yours is if you give the credentials out.
I don't cross contaminate ANY of my tech., accounts, or data. I have a stand alone for my bank financials, another for all credit cards, and don't mix business with family. It seems to be paying off now. A friend was a LEGAL ADVOCATE and mixed all her accounts. ??? A coked up contractor knew where she worked, she lived alone, everything about her. When it went sideways all kinds of things happened. (AND OF COURSE, I had warned her months before. She's 55, not 15.
There are quite a few YT Creators making their lives on trying to block those scammers and trying to retrieve funds to the affected, so there are MORE SUCKERS OUT THERE than you think...
I got one of these texts and ignored it thinking it was a scammer but it was actually my bank and someone did charge $1001 on my credit card . I saw it on my next statement and my bank reversed it .
Zelle sucks, the whole payment process feels vague and sketchy. it is surprising with all the technology we have these days, banks like Chase have adopted a payment system like this.
@@TruthTellerTV Absolutely nothing. People are being conned in to giving their information out and that has nothing to do with the actual app itself. The app is quite convenient and the service is great. I’ve been using it for over a decade, in one phase or another, under its new name or the old quick pay.
They just scammed my grandsons ACCT thru Apple Pay this weekend wiped him out of $500.00 but his mother my. Daughter got them on a technicality and they are reimbursing him so be careful !
The problem is they panicked. I’ve received these types of texts before, supposedly from the bank or from Amazon, the key is do not panic & check your account on your own.
To me, it sounds like these people saying they were scammed are the scammers. They send money to someone and then try to recoup the money from the bank.
My guess is that when the victim responds to the text, that tells the scammer that the phone number is probably a chase customer. So the scammer goes to zelle/chase and tries to log into the site using the phone number, which sends a PIN, and then the victim gives the PIN over. Bam money gone.
Usually they get the victim to load anyteam, ultra viewer, anydesk or other remote desktop software check for the app and if the password isn't saved tell them to open in up to verify money that was supposedly taken so they can return it then the scammer quickly transfers money. If the mark only has credit cards and they can't get them to give information to setup a Zelle then they try to get them to get gift cards since the credit card can often pull the money back while Zelle bypasses that security. 😞
This is interesting because I have encountered the exact opposite experience. Chase has been overly cautious with my Zelle transactions. I authorized a Zelle transaction and not only did Chase not authorize the transaction, they blocked me out of both my chase bank accounts online. I spent the next 2-3 hours on the phone with Chase getting my access restored and getting my Zelle transaction approved.
Never been ripped off. I know a bank never contacts you. They have to reverse the charges. The bank didn't cover it because you gave it to them. 3:20 I was typing as I was watching. Technically they should of just said they didn't make those transactions and left it like that. That's not a lie?🤔 They technically were involved, but they were tricked.😬 So when they called the real bank and reported it they should of just said they noticed charges on their account they didn't make. I know this is after the fact, but now you know and knowing is half the battle! Yo Joe!!!!!!!✊🏿💪🏿👌🏿👍🏿✌🏿😁😉
Not possible. With zelle you have to login and initiate the transfer manually. Also, the bank logs your ip when you login. They can tell that the login happened from the same device you use everytime.
Scams are everywhere and in places you wouldn’t think they would be I called about a used $300 refrigerator and the scammer tried to convince me to send the money and they would have the refrigerator delivered and always let a red flag fly when someone offers to pay full price without negotiating
If you receive a text message about your bank account, common sense dictates that you should immediately contact your bank! Do not send information to these people.
Don't give banks your text number. If I get a text from a bank, I think, "they don't know my number so this isn't them". If you're gullible (it's not an insult, a lot of people are), get yourself a burner phone - it'll be worth it. Scammers use computers to dial all combinations of number in seconds hoping for that one-in-a million hit. That means there will be 10 catches per area code.
Bruh better advice ever single time you’ve been reported for “fraud” never respond to those text, wait to get an email if it’s an actually claim or wait for your “charge” to go thru from “Walmart” then call your bank
The problem is too many people never read the terms and conditions of using electronic payment systems. It very clearly states that the bank is not responsible. These are the same people who don't read car sales contracts, home sales contracts, mortgage contracts, etc. Then when something goes wrong, they go crying to the TV guy who says "CALL ME IF YOU'VE BEEN SCAMMED"
Just dealing with this right now, I always have to educate people how to avoid fraud. Most important lesson don’t give out personal information to some stranger who calls.
This is why I 1( don’t answer the phone 2( don’t respond to text or emails that ask for anything finance related and 3( use my credit card for every purchase
I was having problems with chase Bank since 2011. Chase will not give your money back if someone scam your account. I've lost 3000 and chase told me there's nothing they can do. You wanna be on the safe side, don't bank with chase.
Facts.. Chase be quick to take out insufficient funds fees and every other unnecessary ass fee.. But let your money go missing they act like they can’t do anything about it.. Chase is the worse Bank to ever Bank with aside from BoA
@@mr.doyogurl9367 Lol, I have six bank accounts (including one with Chase), nine credit cards (including four with Chase), and over 100K in assets. I can outspend you any day of the week.
The victim is at fault for doing what someone is telling you to do over the phone… you gave that money away for not understanding the product you are using.
I agree. If the only way these scams are successful is for the customer to be tricked into authorizing the transaction, then it's on customers to not give out info or to simply ignore Zelle texts or calls.
They’re just gullible! How can you respond to strange text message like that? First action should be to check your account then call the phone number on the debit card! I don’t even respond to any phone calls or text messages I don’t know!
Zelle is not the only one, a scam is going around on PayPal. The scam is the same as zelle. I learn not to answer any texts that involves certain things like banks.
Never respond to any text messages not in your contacts.......PERIOD. If you respond they know you are a live person and will work all angles to get $$$$$$$$$$$$$ Don't block, they will use another number just ignore them.
And paypal cash debit cards. They skim off your cash card and back date charges a couple of months so you can't figure out why your balance is off. Always check your statements. I try not to use any cards now.
Someone used Zelle to run a Craigslist ticket sale scam when Wells Fargo and Zelle was alerted minutes after the transaction they just claimed there was nothing they could do
Zelle is used like cash. If you handover a hundred dollar bill to some guy you don't know as payment, and then he vanishes into thin air, the bank won't give it back to you. They are not your mommy. This is how zelle transactions work.
These cases do not involve manipulation of your account to steal without your knowledge. The fraud is on the account owner who then authorized the transaction. The responsibility falls on the account owner to not allow themselves to get tricked. There’s a big difference. These folks are asking the banks be held more responsible for the actions of the account owners than they are holding themselves! I can understanding being upset and embarrassed, but banks are not responsible for the foolish actions of account owners, even if those account owners have been fooled.
this makes no sense. at 1:47 she says "thats where the scam was" they dont explain the scam. what were the insructions she followed? its seems the scammer told her to log into her account and send her the money. or gave the scammer the login info.....
In the EU, there's a standard system that all banks must use that allows every account holder to send money from their account to any other account. It's a simple system that everyone understands at no extra cost, so there is no need for a third party cash app. It's just like paper checks we have in the US, except without the stupid bits of paper. Actually, you can use still use paper for that system, if you want.
Yes i was check fruad scammed right in person $1,000 And the Manhattan D.a. offic & Detective saids unlucky and just be careful now my bank is after me for pulling my account negative and since it happened on a tuesday, wednesday afternoon was when i caught the check bounce and i tried pulling my direct deposit out of the way but i was too late i went a whole week without a paycheck. Trust me when i say it was the only emotional distress when you have bills to pay because no one cares and wants their money asap
IF you get a text or an email, pretending to be a BANK. DO NOT ANSWER NEITHER ONE. IF YOU DECIDE TO PURSUE THE "TRANSACTION" CALL YOUR BANK AT THE NUMBER PROVIDED ON YOUR CARD OR YOUR SITE. DO NOT USE THE NUMBERS IN THE TEXT OR EMAIL. And, by all means, do not answer phone numbers YOU dont recognize, if its important they will leave a message.
Wow of all people you’d think a contractor should know better, because they know about people pretending to be someone their not, So that’s shocking to me he’d fall for anything any scam, but honestly people have no brains or common sense,
I have a pre-paid master card from Verizon because I overpaid my account when I closed it. A Verizon rep. told me I could transfer the overpayment amount via Zelle to my bank account. Bank of America won’t let me. I don’t buy stuff anymore because I’m disabled and I live in a senior community where everything is supplied. I called the numbers given to me in case I have problems and was told that they couldn’t help me. I also watched the “how to use Zelle videos” and my I-Phone doesn’t show what theirs do. Please tell your audience what Zelle won’t do.
Zelle is secure and so is Cash app. If they weren’t they wouldn’t be highly rated applications. These scams are done by people pretending to be banks and getting ignorant morons to send them money through zelle. Zelle makes it clear transactions aren’t reversible, which is why scammers target people using it. It’s not a zelle/cashapp problem.
There is nothing wrong with Zelle. I don’t know if you watched the entire video, but this video is explaining that some people have fallen a- prey to a, rudimentary; at best, con game and it just so happens that they use Zelle to pull it off. It could’ve been Western Union, or any other means. Has nothing to do with Zelle-itself-directly.
@@yvonnelives i've always had fraud alerts, freezes, and even been reimbursed for fraudulent transactions from my credit card and checking account. even when i spend too much, i get an alert.
#1 Don't Zelle #2 Don't respond if u get a Zelle #3 You call u will call the faker. #4 Reverse? You r giving the faker your money in THERE account. NEVER PRESS Y FOR YES OR ANSWER. CALL YOUR BANK. Same for email, call, etc.
If I ever got a call or text I would go in person to the bank I don’t just answer because you never know what’s going on don’t play with my money 🤣🤣🤣🤣🤣
No matter who's at fault just stop using Zelle altogether from the bank app and if it's Zelle's fault they will feel the impact even if they try and blame the bank. If it's the bank's fault they will just lose the Zelle end of the deal. So whoever is at fault it won't matter if they want to point fingers all day this should make them make some changes or suffer the consequences. Period.
Needs to be some sort of real 2FA that’s not a damn text message, because a lot of adults who aren’t good with technology wouldn’t notice the # in front of the spam messages or how to identify them. Banking apps should auto send notifications instead of having to go and turn them all on in the app. Just my opinion, I’m not no expert tho 🙃
I mean you get scammed by somebody you should have never fallen for and you choose to fall for them anyway, I mean people on general if they never fell for these people. They’d stop doing this they’d stop taking advantage of people because it would be pointless if people never believed them, Especially a contractor though that’s pretty bad on his part, I’ll say that much, I mean a contractor falling for a scam that’s pretty fucking dumb I’ll say that much
"never give out your information to anybody"... well, somehow the scammer was able to use the exact info (name and phone number) of the account owner to receive the money, so there's a security hole there, and if the bank allows that to be possible then it must be the bank's fault for allowing Zelle's service available to their customers if it can be that easy to fraudulent
The bank didn’t allow shit, she did. The bank didn’t have anything to do with that. I’m not sure if you watched the video or not, or if you were maybe eating some lunch or…..I don’t know…in and out and about the room or something. Not comprehending the story?The victim was played like a fool and gave up her personal information and that’s how she lost her money.
Chase should be responsible and looking out for their customers. Instead they will most likely close your account for no reason of suspicious activity by someone else.
Chase has no control over what you do with your account. Also, these people clicked yes, for the terms and agreements, to even use zelle. No, chase isn't responsible. Don't fall for ridiculous scams
They don't. Chase told me one time, "If you give your debit card to anyone or use it to pay, they legally can use it without you there. I was so angry and left Chase Bank after they pushed a 700 dollar fraudulent charge through when I had a limit of 5 dollars of what my account could go below. They said, "Because your account is in good standing, we let the charge go through". I was so angry.
@They Close Channels That Speak The Truth You just nag too much but in the wrong place. They did to me once with a recurring bill. The girl did tell me that, but I went off on her and she reversed the overdraft fee. Later that day, I read the entire agreement again. She was right, so I made sure not to let it happen again.
@@sblijheid ya but see that's the problem, you let emotion take ahold and blamed someone for a fault of your own. All I'd recommend is next time, don't let emotion cloud your judgement.
Yes always call back your bank when someone calls and represent your bank.
Facts
Why? Why would your bank ask you to transfer money? Especially considering they can stop any transaction. Scammers only want 2 things, your money or your id so they can scam others with it. Also Biden doesn't want you to know there is a feature in your phone settings to filter scam calls because it will also filter telemarketers and that's tax revenue lost. I only receive calls from numbers I know.
Zelle works great when you use it legally. It's very simple, quick, and it actually works. People who use it to scam should be arrested though.
as should u
@@jiogcyihsugyiocjfdoivhphvw6821 lol 😂
@@jiogcyihsugyiocjfdoivhphvw6821 And u
I used it through a secure login to my USBank account, I sent Zelle under $1,000, it worked fine, I also sent $3,000 on Tuesday, my recipients received them in minutes but last week I sent Zelle for $2,000 in the same manner just Wednesday and my bank's website displayed it will be received in minutes...so I trusted, but 1 week after my recipient has not received the funds at all. I called the USBank today, and they said if I authorized the Zelle transfer that nothing they can do. I may only file a complaint, but it will get denied because I authorized the Zelle. This made me furious. Had I known this before I would have not used Zelle. From now on I won't use Zelle anymore.
I dont zelle nothing useless you in front of me
If banks don't want to reimburse people, then they need to stop promoting Zelle. I would get emails from my bank explaining how easy it is to use Zelle and that I should use Zelle. When I sign in, there is a tab in my account to use Zelle. They are helping Zelle obtain more users. This is why regulation is important in banking. When you have gray areas like this, the scammers win, the banks aren't affected and the consumer loses.
I think customers letting themselves get suckered into using Zell frees banks of liabilities when fraud occurs. Its down and dirty.
The first clue that it is a scam is your bank calling you, like when in the history of American banking has the bank ever called you regarding a checking or savings account issue...
I feel bad for these people. However, anyone who gets a notice by text or email and then gives out personal info like that is duped. How is that the bank's fault??
Facts
Maybe they can help out of charity. They get so much help from the taxpayers already.
In the USA, we are never at fault. It's always others' fault.
summary. there's no fees with zelle. so they don't want to help u
@NDNstrength Banks are not charities. They are for profit corporations subject to double taxation and very high state taxes in certain states.
Scammers are getting very slick there days.
Yes. And skimming off debit cards. It's bad.
I think there should a mandatory course in high school (Just like Heath/Sex Education) except this course will teach young adults the importance of keeping their forms of identity both virtual and physical secure and how to identify potential scams or phishing texts, messages, or emails. A lot of people become puzzled when they ask how did this person know my name?, my phone number?, my address?, etc.... and there is a ton of ways that can happen with the resources that are available online or even through the dark web, but the most common way is through the every day devices we come in contact with in private and in public. So we need to make sure that we are only sending out sensitive info when we need to and only using secure devices and secure trusted websites to exchange such info.
What are you talking about? Your name is on Facebook for all to see. That's why I hate facebook. They don't want you to use aliases and then you become a prey to scammers.
I got bitcoin Forex Scammed Big Time. They really did me bad. Used my Credit Cards and abused them..I still owe on them. But when I finally figured it all, i made them hang around waiting for my money then I told them to take the money you stole from me and teach the naive seniors what not to do or say. How to n9t get scammed on line.
Agreed. Kids starting in junior high by the time they hit high school they should be great in saving watch out for hackers and fakers
I was a trainer at Chase in their Fraud Dept. and I agree about giving personal information over the phone. However, for this scam they did not ask you for personal information. And the scammers followed the same procedures as Chase does when there's fraud on the account. They send you an email or text asking you to confirm a purchase. All you are doing is clicking yes or no and that's what the scammers did. However, the tricky part comes in when they call you and ask you to Zelle back the money that you lost. Then that should cause you to think why would I sent more money to a company that I just said that I didn't send any money to, to reverse the transaction? That's when I said this is wrong and I hung up and called Chase. They said there was no transaction on my account as the scammer described to me. You have to be really paying attention to what's being asked of you because the scammers are getting smarter and smarter.
While I agree that it would be good to have courses for young people, neither of these victims were young people.
When you get those texts.... YOU CALL THE 800 NUMBER LISTED IN YOUR CARD NOT THE ONE FROM THE TEXT.
I guess we should teach middle/high school students basic internet opsec.
First, get them to put down that damn phone??
Scammers are skilled and no amount of education can keep up with the changing technology. Scammers will find a new tactic.
Chase knows about the scams and is doing nothing
The same thing happened to me back in October of 2021. I stopped the call right before I started to push the button. I then called Chase and they said that they have no record of me making a transaction to the company that the scammer said that I did. And I can see how you can be fooled into thinking it's the bank calling you because the scammers follow the same procedures as Chase bank does for their fraud transactions. Because I almost took the bait.
I almost got scammed last night. Similar situation! good job spotting it.
Only a fool falls for these scams
FACTS!!!!
Hey, be more compassionate the banks do this on purpose they have all the tools to stop scammers but I bet you think it would be foolish to sue a bank lol
Yea don’t you have to add someone to even send them money? Poor reporting. If they’re sending the money say that step by step.
This is why I use an account with very limited amount of money in it for online purchases. Even if someone were to scam me for $5000, I would know that's a scam and just say, "Pfft! Take it, I don't even have 10% of that in this account."
@@koreyb or just don’t be foolish and give out your account information for the use of Zelle.
For online purchases and credit card payments this is a great or better yet brilliant strategy.
That way your money’s not tied up if someone does charges an account it goes negative you put it in dispute your monies not tied up and that’s a great idea. Or, it doesn’t go through if you don’t have the overdraft protection on it. What’s not there won’t be charged either way it’s great but as far as Zelle goes, the only way that someone’s going to use yours is if you give the credentials out.
I don't cross contaminate ANY of my tech., accounts, or data. I have a stand alone for my bank financials, another for all credit cards, and don't mix business with family. It seems to be paying off now. A friend was a LEGAL ADVOCATE and mixed all her accounts. ??? A coked up contractor knew where she worked, she lived alone, everything about her. When it went sideways all kinds of things happened. (AND OF COURSE, I had warned her months before. She's 55, not 15.
I can’t believe it’s 2022 and people are still falling for these kind of scams…….
There are quite a few YT Creators making their lives on trying to block those scammers and trying to retrieve funds to the affected, so there are MORE SUCKERS OUT THERE than you think...
I got one of these texts and ignored it thinking it was a scammer but it was actually my bank and someone did charge $1001 on my credit card . I saw it on my next statement and my bank reversed it .
Zelle sucks, the whole payment process feels vague and sketchy. it is surprising with all the technology we have these days, banks like Chase have adopted a payment system like this.
Problem reaction solution. You will be enslaved by the all seeing eye of hash trees. You will own nothing and be happy
It’s a simple transfer app, what is “vague and sketchy” about it?
U don't know how to really use it
@@TruthTellerTV Absolutely nothing. People are being conned in to giving their information out and that has nothing to do with the actual app itself. The app is quite convenient and the service is great. I’ve been using it for over a decade, in one phase or another, under its new name or the old quick pay.
Chase is Cancer. Love my credit union
They got me once never again
They just scammed my grandsons
ACCT thru Apple Pay this weekend wiped him out of $500.00 but his mother my. Daughter got them on a technicality and they are reimbursing him so be careful !
How did they do it?
Lol he was probably just buying some weed
The problem is they panicked. I’ve received these types of texts before, supposedly from the bank or from Amazon, the key is do not panic & check your account on your own.
To me, it sounds like these people saying they were scammed are the scammers. They send money to someone and then try to recoup the money from the bank.
My guess is that when the victim responds to the text, that tells the scammer that the phone number is probably a chase customer. So the scammer goes to zelle/chase and tries to log into the site using the phone number, which sends a PIN, and then the victim gives the PIN over. Bam money gone.
@@dickheadbrian Explain
Usually they get the victim to load anyteam, ultra viewer, anydesk or other remote desktop software check for the app and if the password isn't saved tell them to open in up to verify money that was supposedly taken so they can return it then the scammer quickly transfers money. If the mark only has credit cards and they can't get them to give information to setup a Zelle then they try to get them to get gift cards since the credit card can often pull the money back while Zelle bypasses that security. 😞
If the money was transferred to another account why not just check who owns that other account?
Usually if your account has got fraudulent activity, you might get a text saying to call their customer service. That's how it should be.
This is interesting because I have encountered the exact opposite experience. Chase has been overly cautious with my Zelle transactions. I authorized a Zelle transaction and not only did Chase not authorize the transaction, they blocked me out of both my chase bank accounts online. I spent the next 2-3 hours on the phone with Chase getting my access restored and getting my Zelle transaction approved.
People have to learn the hard way. Technology is your best friend until it's your worst enemy.
It's really WE are our own worst enemy
@sprague49
Spot on!
Never been ripped off. I know a bank never contacts you. They have to reverse the charges. The bank didn't cover it because you gave it to them. 3:20 I was typing as I was watching. Technically they should of just said they didn't make those transactions and left it like that. That's not a lie?🤔 They technically were involved, but they were tricked.😬 So when they called the real bank and reported it they should of just said they noticed charges on their account they didn't make. I know this is after the fact, but now you know and knowing is half the battle! Yo Joe!!!!!!!✊🏿💪🏿👌🏿👍🏿✌🏿😁😉
Not possible. With zelle you have to login and initiate the transfer manually. Also, the bank logs your ip when you login. They can tell that the login happened from the same device you use everytime.
Con artists are clever and prey on dependent people.
People are just stupid.
Comment section is full of people who likes to blame other people who lost money to the scam because they haven't experienced something like this.
LOL I get texts like this all the time. I don't run to my computer and start handing out info and permissions!
My bank has never called me and this is why I only use a cc
Honestly I like them I don't have a problem with it I've never had an issue with it some people just shouldn't use it your age is really showing
Ugh another scam?!
Scams are everywhere and in places you wouldn’t think they would be I called about a used $300 refrigerator and the scammer tried to convince me to send the money and they would have the refrigerator delivered and always let a red flag fly when someone offers to pay full price without negotiating
If you receive a text message about your bank account, common sense dictates that you should immediately contact your bank! Do not send information to these people.
Don't give banks your text number. If I get a text from a bank, I think, "they don't know my number so this isn't them". If you're gullible (it's not an insult, a lot of people are), get yourself a burner phone - it'll be worth it. Scammers use computers to dial all combinations of number in seconds hoping for that one-in-a million hit. That means there will be 10 catches per area code.
how do you not give your bank your phone number? who has a separate number for texting?
Bruh better advice ever single time you’ve been reported for “fraud” never respond to those text, wait to get an email if it’s an actually claim or wait for your “charge” to go thru from “Walmart” then call your bank
Correct 👍🏻
@@elseascotty9346 Definitely, the bank will know if money's been pulled off your account so excellent advice.
I e had that text and didn’t click on it. I called the bank and blocked them i don’t Eve have Zelle and never even heard of them
The problem is too many people never read the terms and conditions of using electronic payment systems. It very clearly states that the bank is not responsible. These are the same people who don't read car sales contracts, home sales contracts, mortgage contracts, etc. Then when something goes wrong, they go crying to the TV guy who says "CALL ME IF YOU'VE BEEN SCAMMED"
Just dealing with this right now, I always have to educate people how to avoid fraud. Most important lesson don’t give out personal information to some stranger who calls.
I dropped CHASE years ago. I want nothing to do with them.
This is why I always have money at home at this point trust no one !!!
This is why I 1( don’t answer the phone 2( don’t respond to text or emails that ask for anything finance related and 3( use my credit card for every purchase
I was having problems with chase Bank since 2011. Chase will not give your money back if someone scam your account. I've lost 3000 and chase told me there's nothing they can do. You wanna be on the safe side, don't bank with chase.
Facts.. Chase be quick to take out insufficient funds fees and every other unnecessary ass fee.. But let your money go missing they act like they can’t do anything about it.. Chase is the worse Bank to ever Bank with aside from BoA
@@ItssDomoDoee Money doesn’t “go missing” in bank accounts.
@@TruthTellerTV do you live under a rock???? There’s been plenty of times folks have woken up to empty bank accounts because of scammers..
@@ItssDomoDoee It's clearly he's a broke one 😆
@@mr.doyogurl9367 Lol, I have six bank accounts (including one with Chase), nine credit cards (including four with Chase), and over 100K in assets. I can outspend you any day of the week.
Don’t respond to pop-ups/texts/emails that seem to be alerting you. Period.
The victim is at fault for doing what someone is telling you to do over the phone… you gave that money away for not understanding the product you are using.
I agree. If the only way these scams are successful is for the customer to be tricked into authorizing the transaction, then it's on customers to not give out info or to simply ignore Zelle texts or calls.
100% agreed. 💯
They’re just gullible! How can you respond to strange text message like that? First action should be to check your account then call the phone number on the debit card! I don’t even respond to any phone calls or text messages I don’t know!
Thank you
the title worried me, im like are they just draining bank accounts bypassing security? but no its just another story of people lacking common sense.
Victim are to blame. Stop giving out your personal information.
There is no debate. It's the idiots that fall for it and just give there money.
And plus I don’t think people should take advantage of anyone, why the hell give them the right to do that
Zelle is not the only one, a scam is going around on PayPal. The scam is the same as zelle. I learn not to answer any texts that involves certain things like banks.
Never respond to any text messages not in your contacts.......PERIOD. If you respond they know you are a live person and will work all angles to get $$$$$$$$$$$$$ Don't block, they will use another number just ignore them.
Who's doing the scam?
And paypal cash debit cards. They skim off your cash card and back date charges a couple of months so you can't figure out why your balance is off. Always check your statements. I try not to use any cards now.
Scams exist because people fall for it.
Someone used Zelle to run a Craigslist ticket sale scam when Wells Fargo and Zelle was alerted minutes after the transaction they just claimed there was nothing they could do
Payments should be able to be disputed especially when purchasing
Zelle is used like cash. If you handover a hundred dollar bill to some guy you don't know as payment, and then he vanishes into thin air, the bank won't give it back to you. They are not your mommy. This is how zelle transactions work.
@@sblijheid yes I am done with Zelle
Zelle is the same as cash. If you have your cash away who’s fault is it? These victims are dumb as fuck.
These cases do not involve manipulation of your account to steal without your knowledge. The fraud is on the account owner who then authorized the transaction. The responsibility falls on the account owner to not allow themselves to get tricked. There’s a big difference. These folks are asking the banks be held more responsible for the actions of the account owners than they are holding themselves! I can understanding being upset and embarrassed, but banks are not responsible for the foolish actions of account owners, even if those account owners have been fooled.
this makes no sense. at 1:47 she says "thats where the scam was" they dont explain the scam. what were the insructions she followed? its seems the scammer told her to log into her account and send her the money. or gave the scammer the login info.....
In the EU, there's a standard system that all banks must use that allows every account holder to send money from their account to any other account. It's a simple system that everyone understands at no extra cost, so there is no need for a third party cash app. It's just like paper checks we have in the US, except without the stupid bits of paper. Actually, you can use still use paper for that system, if you want.
Same in Japan, except paper checks are rare and most people don't use them.
Yes, but Zelle is offered through my banks website, so it should be covered.
I lost my whole life savings account thanks to Zelle scams!
Why would there be a debate over who to blame? Obviously the scammers are to blame.
Yes i was check fruad scammed right in person $1,000 And the Manhattan D.a. offic & Detective saids unlucky and just be careful now my bank is after me for pulling my account negative and since it happened on a tuesday, wednesday afternoon was when i caught the check bounce and i tried pulling my direct deposit out of the way but i was too late i went a whole week without a paycheck. Trust me when i say it was the only emotional distress when you have bills to pay because no one cares and wants their money asap
IF you get a text or an email, pretending to be a BANK. DO NOT ANSWER NEITHER ONE. IF YOU DECIDE TO PURSUE THE "TRANSACTION" CALL YOUR BANK AT THE NUMBER PROVIDED ON YOUR CARD OR YOUR SITE. DO NOT USE THE NUMBERS IN THE TEXT OR EMAIL. And, by all means, do not answer phone numbers YOU dont recognize, if its important they will leave a message.
This is not about being scammed...THIS IS ABOUT BE STUPID!!! 🙄🙄🙄 OMG!!!
Wow of all people you’d think a contractor should know better, because they know about people pretending to be someone their not,
So that’s shocking to me he’d fall for anything any scam, but honestly people have no brains or common sense,
Zelle is HELL!!!
Never, ever give your password to anyone!
I'm sorry, but people are stupid. 🤣
It's because people are stupid is why these scams are still happening.
Why would you do that
I have a pre-paid master card from Verizon because I overpaid my account when I closed it. A Verizon rep. told me I could transfer the overpayment amount via Zelle to my bank account. Bank of America won’t let me. I don’t buy stuff anymore because I’m disabled and I live in a senior community where everything is supplied. I called the numbers given to me in case I have problems and was told that they couldn’t help me. I also watched the “how to use Zelle videos” and my I-Phone doesn’t show what theirs do. Please tell your audience what Zelle won’t do.
this is truly disheartening. no more Zelle for me. i thought it was more secure than Cash app and Venmo because it was through the bank.
Zelle is way better then cash app. The problem is chase not zelle. Chase sucks.
@@user-rg8ip2ek7v The problem is people falling for obvious scams, not Chase or zelle.
Zelle is secure and so is Cash app. If they weren’t they wouldn’t be highly rated applications.
These scams are done by people pretending to be banks and getting ignorant morons to send them money through zelle. Zelle makes it clear transactions aren’t reversible, which is why scammers target people using it. It’s not a zelle/cashapp problem.
There is nothing wrong with Zelle. I don’t know if you watched the entire video, but this video is explaining that some people have fallen a- prey to a, rudimentary; at best, con game and it just so happens that they use Zelle to pull it off. It could’ve been Western Union, or any other means. Has nothing to do with Zelle-itself-directly.
@@yvonnelives i've always had fraud alerts, freezes, and even been reimbursed for fraudulent transactions from my credit card and checking account. even when i spend too much, i get an alert.
I mean duhhh… sounds like a scam
#1 Don't Zelle
#2 Don't respond if u get a Zelle
#3 You call u will call the faker.
#4 Reverse? You r giving the faker your money in THERE account.
NEVER PRESS Y FOR YES OR ANSWER. CALL YOUR BANK. Same for email, call, etc.
This happened to me
Cashapp is WORSE!!!
If I ever got a call or text I would go in person to the bank I don’t just answer because you never know what’s going on don’t play with my money 🤣🤣🤣🤣🤣
The bank i work for cut this feature off because of the fraud.
Scams are coming from everywhere now! But Zelle was an early player.
Don't do on line banking don't trust
ngl, Zelle seems sooo sketchy
Harlan Rodriguez
I’m sorry that this happened to them but it’s not the bank’s responsibility to get their money back. The scammers tricked them.
No matter who's at fault just stop using Zelle altogether from the bank app and if it's Zelle's fault they will feel the impact even if they try and blame the bank. If it's the bank's fault they will just lose the Zelle end of the deal. So whoever is at fault it won't matter if they want to point fingers all day this should make them make some changes or suffer the consequences. Period.
The six big banks own Zelle. Zelle is Wells Fargo etc. and Wells Fargo etc are Zelle.
Not to sound heartless, but this is the only situation I can think of where blaming the "victim" is legitimate.... 😕
Needs to be some sort of real 2FA that’s not a damn text message, because a lot of adults who aren’t good with technology wouldn’t notice the # in front of the spam messages or how to identify them. Banking apps should auto send notifications instead of having to go and turn them all on in the app. Just my opinion, I’m not no expert tho 🙃
Yes something isn't right. How the scammers know they were with Chase? Hmmmm this might be an inside job
The bank has such a large amount of customers, sending out thousands of texts is bound to get at least one customer.
I mean you get scammed by somebody you should have never fallen for and you choose to fall for them anyway,
I mean people on general if they never fell for these people. They’d stop doing this they’d stop taking advantage of people because it would be pointless if people never believed them,
Especially a contractor though that’s pretty bad on his part, I’ll say that much, I mean a contractor falling for a scam that’s pretty fucking dumb I’ll say that much
Only fools fall for this stuff
chase bank the did my account don't use them and they can't stop it
Natural selection
Its not the banks fault that you made a bad decision due to ignorance of the world
Id rather just use Apple Pay
Always contact the bank. Never respond to those text cause then they have your phone number when you reply.
You might have to jump through hoops, but get Zelle off your account. I did!
CEH HACK ARE THE BEST
So u saying someone can trick someone else to I'm to transfer money from zelle and get away with it hmmmm
It’s probably a bank employee.
Of course it’s your fault
Geez people, how stupid can you be? I’m sorry to hear about this but it’s kinda your own fault.
"never give out your information to anybody"... well, somehow the scammer was able to use the exact info (name and phone number) of the account owner to receive the money, so there's a security hole there, and if the bank allows that to be possible then it must be the bank's fault for allowing Zelle's service available to their customers if it can be that easy to fraudulent
she logged in and used a verification code or transaction password ... she says so herself
The bank didn’t allow shit, she did. The bank didn’t have anything to do with that. I’m not sure if you watched the video or not, or if you were maybe eating some lunch or…..I don’t know…in and out and about the room or something. Not comprehending the story?The victim was played like a fool and gave up her personal information and that’s how she lost her money.
Watch the video again, she gave it to them when she logged in.
2:42 can't make payroll? Just loosing 7200.00? I would expect a business to have at least 20K accessible just in case.
Times Are Tough. You Don't Know That Man's Full Financial Situation.
Chase should be responsible and looking out for their customers. Instead they will most likely close your account for no reason of suspicious activity by someone else.
Chase has no control over what you do with your account. Also, these people clicked yes, for the terms and agreements, to even use zelle. No, chase isn't responsible. Don't fall for ridiculous scams
They don't. Chase told me one time, "If you give your debit card to anyone or use it to pay, they legally can use it without you there. I was so angry and left Chase Bank after they pushed a 700 dollar fraudulent charge through when I had a limit of 5 dollars of what my account could go below. They said, "Because your account is in good standing, we let the charge go through". I was so angry.
@They Close Channels That Speak The Truth
You just nag too much but in the wrong place. They did to me once with a recurring bill. The girl did tell me that, but I went off on her and she reversed the overdraft fee. Later that day, I read the entire agreement again. She was right, so I made sure not to let it happen again.
@@sblijheid ya but see that's the problem, you let emotion take ahold and blamed someone for a fault of your own. All I'd recommend is next time, don't let emotion cloud your judgement.