Describe what happened accurately. Sharing credentials through deception does not automatically make a fraudster’s transfer authorized.
When another person initiated it
CFPB guidance explains that a transfer initiated by someone else without actual authority, from which the consumer receives no benefit, may be an unauthorized electronic fund transfer.
This can include a fraudster using access information obtained through deception. If you were tricked into sharing login information or a code and a fraudster then initiated the transfer, describe that sequence clearly to the bank.
When you personally sent the money
A payment you initiated because someone deceived you raises different questions. It is not automatically classified the same way as a transfer a fraudster initiated using stolen credentials.
Zelle says certain qualifying impostor scams may be eligible for reimbursement. Ask the bank to review the facts and applicable policy without changing or embellishing your account.
Prepare a factual timeline
- Who entered the payment details and pressed send?
- What access information was shared, and how was it obtained?
- Who did the person claim to represent?
- When did you discover the issue and notify the bank?
Know the limits of this guide
These are general educational distinctions, not a determination of your claim. Consumer-account rules, timing, circumstances, and bank policies matter. Consult a qualified adviser for individual legal advice.
Sources & further reading
Provider rules can change. Check current terms and contact your bank for your circumstances.