Here’s how hackers are using Zelle to raid bank accounts; and why victim was out $1,800 until I wrote to the bank

Stealing money using Zelle is apparently as easy as adding a phone number to a consumer’s checking account, and then telling the bank to “Zelle” money to a hacker-controlled account — at least in some cases.

When following up my story earlier this week about consumers who don’t even use Zelle get hit by Zelle fraud, a bank official told me that’s how it’s done. Criminals — potentially using stolen online banking credentials or credential stuffing attacks — add a cell phone they control to the user’s profile, then send money to the hacker’s account.

Zelle fraud emergency kit and FAQ

(UPDATE 4/29/19: Zelle has confirmed to me that consumers who are victims of this fraud are entitled to Reg E protection.. That means banks should not be denying disputes, and should be refunding consumers’ money. See full statement below. ) 

After the hacker’s mobile number is added to the bank account, the banks’ confirmation code to verify the transaction is misdirected to that fraudulent number, and the hacker confirms the transaction. So once the account is compromised, a fraudster is able to transfer money out of the account, I was told.

To be clear: Even consumers who don’t use Zelle can be victims of the crime. Many wouldn’t even know to look for money being Zelle’d out of their accounts. Worse yet, at least some victims who do complain are being told — erroneously — that they aren’t entitled to dispute the fraud.

So take this as a warning: If you have a checking account, scour it for potential Zelle fraud. If you get a message that a phone number has been added to your account, call your bank right away. And if the bank tells you that you can’t dispute the charge, keep trying. Cite this article, if you can.

When $1,800 was stolen from Eric Beckerle’s Bank of America account two weeks ago, he figured getting it back would be relatively painless. But when he used the bank’s normal dispute process, his claim was denied, and he was told he’d be out the $1,800.

By the time I found his Twitter complaints, Beckerle has smartly requested that the bank re-open its investigation.  I contacted Bank of America on Tuesday to learn more about Beckerle’s situation, and the next morning, his $1,800 had been returned.

“Thanks again for bringing this to our attention,” said BofA spokesperson Betty Riess. “We reached out to the customer and, based on our additional research and information confirmed by the customer, we determined that the account was compromised. We apologized for the delay in resolving the claim and have credited the customer’s account for the $1,800.”

Other consumers are complaining online that they are having trouble disputing Zelle charges, perhaps because banks have been deluged with complaints about the more “traditional” form of Zelle fraud: when Zelle users are suckered into sending money themselves to criminals. (In a typical scenario, a victim uses Zelle to pay an online stranger for concert tickets, but the tickets are never delivered). In that situation, Zelle and its member banks say, consumers are not entitled to refunds.  Financial institutions say that kind of incident is akin to handing cash to a criminal, and it’s not reversible.

But if a consumers’ money is stolen because a criminal hacked into their online bank accounts and added a fraudulent mobile number, that fraud should be covered by the banks’ standard dispute process. That’s more akin to a phishing attack followed by an online transfer, a scenario that the Federal Reserve has said in the past is covered by Regulation E, which entitles consumers to fraud protection.

UPDATE: Statement from Early Warning, the network operator of Zelle

“In a case where a consumer’s bank account or debit card is compromised, or a Zelle payment is made from a consumer’s account and not authorized by that consumer, consumers have rights under the Electronic Funds Transfer Act (also known as “Reg E”). Those consumers should contact their bank to determine an appropriate resolution.”

Read my story from earlier on this new kind of Zelle fraud.

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About Bob Sullivan 1600 Articles
BOB SULLIVAN is a veteran journalist and the author of four books, including the 2008 New York Times Best-Seller, Gotcha Capitalism, and the 2010 New York Times Best Seller, Stop Getting Ripped Off! His latest, The Plateau Effect, was published in 2013, and as a paperback, called Getting Unstuck in 2014. He has won the Society of Professional Journalists prestigious Public Service award, a Peabody award, and The Consumer Federation of America Betty Furness award, and been given Consumer Action’s Consumer Excellence Award.

58 Comments

  1. Forgive me if I missed this in the article.
    This seems somewhat similar to the problem that the US Social Security Administration’s insecure web account signup process had a couple of years ago, where a proactive step to reduce the risk was to sign up for the account ourselves, as only one account could be created per Social Security Number.
    Is there a similar step that consumers can take against Zelle fraud? If we set up Zelle directly on our bank’s own website, does that stop these fraudulent accounts from being associated with our bank account?

    I tried to search for “Can one bank account be used with two Zelle accounts” but I found no answers. (My assumption is that, if one bank account canNOT be used with two Zelle accounts, and if the legitimate owner of a bank account does set up Zelle either with Zelle itself or with their bank directly, then that should be protective).

    thanks.

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  2. I had a Zelle transfer out of my Bank if America account for $800 that I did not authorize. I have provided copies of police reports, talked with the bank fraud department and advocacy representatives and have gottne nothin but frustration. I filed a complaint with CFPB amen still nothing. Can you help me? I don’t know where else to turn. Thank you.

  3. We don’t use Zelle and just found out our checking account has been robbed of over 2400 dollars in less than two weeks. Our bank will reimburse but they have to eat it because there is no way to go after these hackers. How do we find out who these are and have them prosecuted? We have two names that the money is going to and supposedly in Arizona.

  4. I just noticed $499.00 gone from my NC State Employees’ Credit Union checking account July 21, 2019. It was a Zelle transfer. I didn’t even know what Zelle was until my bank said I can’t dispute it and told me to contact Zelle. I know in my heart this can’t be correct because this is fraudulent activity and my account was compromised. I called Zelle and they confirmed I don’t have and never have had an account with them, but told me to call my bank and file a claim. I called the bank back and raised hell and finally the young man said he’ll file a claim! I think they’re stonewalling us. They need to figure out better security protocol.This is absolutely not my fault and I need my money. No one has contacted me yet, but he said if I don’t hear anything that is good news, that the amount will be credited. It’s disturbing that they are adamant about saying I can’t dispute the fraud one moment, but then they just give in when I get righteously angry! He read aloud the lawyer memo that they have to parrot. They know they’re going to be eat it I guess, but it’s not my fault. I better get a refund. I’m worried this will happen again now. I’m worried about other people! This is crazy!

  5. I had someone attempt to take $799 out of my checking account. The way they did it was to pirate(take over)my phone and add it to their device. They could then send a money transfer knowing nothing but a phone number. I call Bank of America and told them to deactivate Zelle from my account and was informed that it is built into my account and I have no choice but to have it. I did some more digging and found out that if I do not have a phone number connected to my account that they could not attempt transfers so easily.

  6. A couple years ago my account at BOA was broken into through Zelle, removed all my money. Research convinced me I wouldn’t get my money back. It was actually through my email, that’s what the trace said. I had no problem getting the money back. Two days later my Target account was broken into, both breaches were traced, very easily, back to the same thief, the police refused to take a report.

  7. MY DAUGHTER IN LAW – WHO IS 18 – JUST HAD $200 STOLEN FROM HER ACCOUNT VIA ZELLE – IT WAS 3 DIFFERENT TRANSACTIONS IN THREE DIFFERENT STATES – SHE NEVER RECV’D ANY KIND OF NOTIFICATION EITHER – SHE FILED A POLICE REPORT – NOW WELLS FARGO IS GIVING HER THE RUN AROUND CLAIMING THE CASE IS CLOSED BUT WONT TELL HER THE DECISION – THEY STATE SHE WILL READ IT IN THE LETTER THEY SENT – BUT ITS NOW BEEN A WEEK SINCE THEY CLOSED IT AND STILL NO LETTER. SHE CALLED BACK AGAIN AND THE PERSON ON THE PHONE HAD THE NERVE TO TELL HER “ITS ONLY $200” LIKE SHE SHOULDN’T CARE BECAUSE OF THE AMOUNT – SHES A COLLEGE STUDENT WORKING PART TIME TO PAY FOR CLASSES AND TUITION AND RENT- SHE WAS GOING TO USE THAT MONEY TO PAY FOR HER PSYCH CLASS AND NOW SHE DOESN’T HAVE ENOUGH AND THEY ARE THREATENING TO DROP HER FROM THE CLASS BECAUSE SHE CAN’T PAY THE FULL AMOUNT- PLUS THAT WILL CHANGE HER CREDITS SHES ENROLLED IN WHICH WILL CAUSE HER TO LOOSE HER SCHOLARSHIP THAT PAYS FOR A PORTION OF HER SCHOOLING – WHAT CAN WE DO? I MEAN I KNOW ITS $200 BUT THATS HER $200 SHE WORKS PART TIME AND GOES TO SCHOOL FULL TIME SO SHE DOESN’T HAVE A LOT OF MONEY – ANY ADVICE OR HELP WOULD BE GREATLY APPRECIATED

  8. In August 2019, Almost same fraud happen to my Bank of America account, thieve first add their contact no. in my BofA online account which I timely notice and removed that, than I changed my login ID, password and email. after couple of hours some how thieve get into my Tmobile account, call customer care and put forwarding on my calls, than after they reset my online account by sending verification code to forwarded no., add Zelle recipient and transfer $2000. I open the claim almost same time as I was near to the branch but Fraud and Claim department denied my Claim telling that as per their record they send verification code to my authorized number which was forwarding that time. they need letter from T-mobile to mention that my all calls and text were forwarding that time.
    I have contacted T-mobile and they refused to provide any such letter while told me Bank should contact to Tmobile directly for verification, while Bank has refused to directly contact Tmobile. I have already filed Identity theft and police report and sent to BofA but still they denied my claim.

    Any advice or suggestion on this matter will be greatly appreciated.

    Thanks

  9. This exact thing is happening to me someone stole my phone somehow gained entry weather they were standing behind me and watched me type my passcode im unsure and then stole my phone and quick paid themself 1600 dollars chase is so far denying my claim despite me having police reports and multiple supporting doccuments that my phone was stolen.

  10. My Chase account was hacked through Zelle. Chase has it under investigation, but I’m not sure if I will get my money back

  11. My CHASE account was also hacked, unauthorized Zelle transfer. Chase is investigating and said they will reimburse me for the loss in 7-10 days. I’m no longer convinced money transfers using Zelle is safe anymore.

  12. I don’t know if it’s just me or if perhaps
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  13. I need help with my Wells Fargo case. They said it was on me and I was at fault. zelle transfers from my 17 year olds account totallying $1585. It is a lot money my son was saving. We have been denied our claim and I am not sure what my next step is.

  14. Zelle’s upped their security recently by narrowing their subscriber base to only US phone number owners who subscribe to only the major carriers, which knocks us expats and travelers out of using a service we had already gotten used to. What happened is that Zelle now ties into partner company US cell phone records and only allows SMS codes to be sent when the phone company is a major operator and will share their customer database with Zelle. This knocks expats living outside of the US out of the water and just when they had begun to use the service. No expat or traveler can afford roaming SMS messages and they seldom work anyway. So another “foreign accessible” bank service bites the dust. Bye bye Zelle and back to the dreaded Paypal, which actually looks sort of good by comparison now.

  15. HI. On sept 5th someone got into my Chase app and stole $4725 from me through Zelle. Chase will not do anything and told me they can’t refund my money. I put in a claim through federal reserve and waiting to see what they do. I just took the advice in this article and contacted sprint to get my phone records, which they said I did not use my phone at the time of the incident. As soon as I get the printout from sprint, I will get that to Chase. Hopefully, they will resolve the matter then. Is there anything you can do to help me? I am leaving my contact information. I want an article made on this. I don’t like how they/Chase are handling this matter.

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  19. Hi, I need help! Please!
    On February 02,2022 AT 1:50 PM
    My bank of America account was hacked by $3,498.69, unauthorized Zelle transfer. To a company name Breath well cleaning services, LLC. As my Chase account was also involved in the unauthorized Zelle transfer of $609.45. They told me it was going to be under investigation and said they will reimburse me for the loss in 7-10 days.  The thieve got into my T-mobile account, forwarding on my calls, than after they reset my online account by sending verification code to forwarded no., add Zelle recipient and transfer from bank of america $3,498.69 and also did it on the  chase account $609.45. I open the claims the same day as because I when straghit to branch for help and bank of America just gave me a card with a number to call  the Fraud and Claim department they couldn’t help me in the branch. Then I went to chase branch to do the claim and they help me but as of February 17,2022 they denied my Claim telling me that it was an authorized transfer to zelle. Now to reopen chase claim they are asking me they need letter from T-mobile to mention that my all calls and text were forwarding that time.
    I have contacted T-mobile and they refused to provide any such letter while told me Bank should contact to Tmobile directly for verification, while Bank has refused to directly contact Tmobile. As of bank of america still has me waiting for a response they just told me when I called it could take up to 45 days. When they had stated in the beginning that it will take 7-10 days to reimburse me the loss money.
    Any advice or suggestion on this matter will be greatly appreciated.
    Thanks

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  45. You may have tried many credit repair services and come away feeling unsatisfied and that your time and money has been wasted. I understand, i have been there but fortunately for me, i later found breach expert. He has turned my credit score around He removed all negatives on my credit and increased my credit score from 530 to 815 excellent on all 3 bureaus.The work he has done is the best work done by far by any company that failed to do what he has done. Now i have been successfully approved for my mortgage. I perceived a great level of sincerity, brave approaches to solving my problems and in less than a week, he had my financial life fixed in general. I was overwhelmed as I was able to clear a substantial percentage of my debt. Here’s his email (GARYMCKINNONCREDITSERVICES@GMAIL.COM)

  46. I almost lost a huge invested funds to an online crypto currency company, i only got paid once by this company at the beginning when i started the whole thing with $200 usd, i got paid with my income then i had to reinvest back in order to get more this time i invested with a huge amount of money but ever since then when its now due for me to be paid the company automatically restricted me from withdrawing the money, i had to reach out to the costumer care for their assistance so i can get my funds but they kept asking for more fees that was when i opened up to a colleague at work who linked me up with a hacker that helped me recovered back my money, i got to text with him over on his telegram directly @ ROOTKITS7 where we had all our conversation, he really did a great job for me i as well showed my appreciations because i almost lost everything, lest i forget here is his email contact Rootkit4 @ gmail. com

  47. Investing can be a rewarding experience, but if you’re not careful, it can also be dangerous. That’s exactly what happened to IPP Financial Advisers: they invested in cryptocurrency as part of a larger project at work, and then one day they realized that all their funds had been stolen by hackers! And it wasn’t just a few thousand dollars—it was almost ten million dollars! But then [American forensic firm Thehackerspro was hired] and came along. They smart contract experts at thehackerspro.com were able to recover those funds using their smart contract experts, who worked with law enforcement officials in Singapore and the United States to track down where the money had gone. Now [IPP financial advisers] have recovered their money back from the outsourced wallets, and he’s ready for another round of investing with globalbitfx24.com

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  49. I have been following up on crypto trades ever since I got to know about it . I finally decided to involve in it so I got money out of my savings and put into it .. along the line it all seemed good trading then one day I couldn’t gain access to the crypto account and I kept receiving mails that my money was removed from it.. I was fuming and almost went wild with the whole situation until I came across an article about PRO.RECOVERYTEAMHACKERS21 AT G-MAIL DOT COM and how they help with such a case as my own. contacted them and explained my story to them and they required some details from me about the crypto account.. finally they were able to help me recover every bit of my money that I thought was gone…

  50. I lost so much in crypto currency investment, i had invested in 2 different companies but just one had a good outcome, i have live to love investing because i learnt so much about that from my father.. i got stocks in the market i as well invest in Agriculture.. I’d say investment has been a part of me.. though there are some ups and downs which i had experienced, i could not forget loosing $1.342k usd to a Crypto company it was my first time of trying out crypto investment and i almost took this lost if not for my colleague at work who advised i hire a hacker, i then went in search of a good hacker and learnt that ELITE.RECOVERY 27@ GMA IL . COM provide the best service. i quickly reach out to them for assistance and they responded, and this was how we proceeded with the recovery exercise, they instructed me on things to do and we got moving, just after a couple of days i got back my funds in my wallet, they are really exceptional, i recommend them honestly. you can talk to them also on TELEGRAM : ELITE32 and thank me later

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