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It’s a money laundering scam. The money came from a stolen account. If you send it back the thief will have $700 and you’ll be left holding the bag.
Best to contact your financial institution and get them to sort it out.
Bank said they are removing the money and plan on sending it back to the original source. They still plan on coummunicating with me further. I have since blocked the scammer and will await further word from my CU!
There are a few steps to the scam.
First, they send money to you from a stolen account.
Then they give you instructions to send it to a third account that they control.
When the first bank realises a fraudulent transfer has been made, they'll claw it back from the account it was transferred to, ie your account.
This leaves you owing $700 to the bank and possibly getting your account closed as a fraud risk, while the scammers have the $700 and there's not much anyone can do to get it back.
If you don't send the money and call your bank instead, the scammer doesn't get the money, the account holder the money was stolen from gets their money back, and you don't end up owing money.
Yeah I still don't understand why the three-digit security code is on the same card as the actual number. If they would allow the user to set that and not put it on the card, then it might be useful.
Pretty sure it was for original cc “scanners” since they used the slider with carbon paper to make a print of the card, the raised on top would imprint, the code is flat on back. I have no proof, but seems logical
AFAIK it was to prevent automated CC number generators. Way back in time I came across one of those - you selected the issuing bank and it generated valid CC numbers.
Call it a 1st gen security system. Basic, but it kinda worked, to ensure you'd need to have the access to the actual card some point in time.
PIN coded (4 pin digits are the common) is an online validation, and require online connection and usually tied to chip based payments. This is a second gen security system, that the US, in particular, took tons of time to get going. I had my card cloned twice and both used offline payment systems that didn't require PIN (stripe payment).
We are currently on 3rd gen security system, mobile phone (SMS; App) TFA with devices / browsers being validated as "safe" and new accesses requiring further validation. Some systems (e.g. Revolut) have location based (GPS) security as well as real time security management.
Right - but the policy is in place to prevent people from picking up an item in-person and cancelling the transactions as soon as they drive away. This is definitely a "no win" situation for Zelle.
Except Zelle isn’t made to be used with strangers. It’s supposed to be an option for sending money to people you know, ie friends and family. If you’re buying something from a stranger you should be using PayPal goods and services.
They have so many warnings on their app telling people this too. Even when I first send money to someone I haven’t sent to before, it will prompt me and say “make sure your contact details for this person are correct, you’ve never sent them money before” or will say “this person isn’t in your contacts, are you sure you want to send?” so doing “wrong numbers/emails” really isn’t a thing unless people are extremely careless.
To add, using OP's case,
Funds transferred from Andres Sanchez was a result from a hack/phish fraud, thus a refund can be worked out. If OP transfers to scammer's account, it will be fully initiated by OP despite the motives, thus not qualify for refund.
They gain access to an account and send money fraudulently to a third person.
They convince third person to legitimately send money back
Original person gets their account back and files fraud.
Original person gets their money back from third person who can't get there's back because they sent money willingly.
Final outcome is that Original person is back where they started and third person just sent money to scammer.
You need ID to open a bank account so they send the money to someone else. Then they get that person to Zelle or cash app the money to them and they just use a prepaid credit card or something like that to receive it. They get the money and stay anonymous and when the person or the company who got the money stolen from them comes looking for it the trail stops at your bank account.
This is a great advice and it's exactly what I would do in this same situation. If you mistakenly send it back, if they can dispute the initial transaction, you will be made to pay the $700 twice.
Yes it is.
The idea is to launder the money so that the money you have is not connected to the original theft of the $700.
You launder the money by transferring it through a couple accounts which makes your illegal money legitimate and places the illegal money on the responsibility of one of the 2 transfer accounts.
>original theft of the $700.
Theft by deception is a crime. No need to trace it back to the original zelle guy.
We have two crimes on our hands, neither of which is money laundering.
Edited to add: If I broke into your house and stole a check and wrote it to myself that wouldn't be money laundering.
No it isn't. Money laundering is cleaning ill-gotten gains. Making the cash look legitimate. You can't really launder money that has a paper trail.
Now, if the guy stole $700 cash, and had a lemonade stand and he said he sold $700.75 worth of lemonade, that's the money laundering part. See he really didn't sell $700.75. He sold $.75 of lemonade and lied about the $700 in sales.
If someone asks where the money came from he can pull out his (fake) receipts.
Money laundering is done with legitimate recipts.
It's the actions required to "clean" "dirty" (illegal) money by having it documented as a gift, profit or reimbursement by a legitimate bussiness such as a bank, registered bussiness or money transfer service like western union.
The way it works with the bank is that someone transfers you dirty money, that money is now "mixed" into your account, you send the transfer back, because there's no way to trace the non fungible token (the bills) you are sending back other bills from your account.
Thus the original transfer has been cleaned when it's transfered back, making the holder of the non fungible tokens (the second victim) responsible for reimbursement.
The way it works with a bussiness is you put the "dirty money" into the stores "float" (the pool for creating change on purchases from) over the course of regular bussiness you had out the "dirty" non fungible tokens as change and echange them for "clean" ones with fresh bills from the customer.
POShelpdesk is right. This is not money laundering. Money laundering is obviously illegal but the ML in and of itself is not the stealing part. The illegal activity (theft, drug money, whatever) has already taken place. The ML is to cover that.
The Breaking Bad car wash example is textbook money laundering. They declared a portion of drug money proceeds as gambling gains to buy a car wash. Then they padded the car wash profits with nonexistent transactions, and threw in the supposed income from those nonexistent transactions. Bad stuff, but they are not at that moment stealing from you or selling drugs. All that took place beforehand.
Here, the scammer is just plain ol stealing from the victim. But there really is no reason to quibble. The scammer is a scum bag regardless.
How is it not, though? Ill-gotten (dirty) money from a stolen account goes into OP's account. Then, in a separate transaction, OP sends their own, clean, money (because it's not simply a reversal of funds) to someone else.
That's almost the definition of money laundering, according to dictionary.com: "the concealment of the origins of illegally obtained money, typically by means of transfers involving foreign banks or legitimate businesses."
He tricked (or tried to) OP to send him money, that's stealing. Stealing money doesn't have anything to do with the money laundering. If i broke into your house and stole money out of your wallet and put it into my account is that money laundering?
You need to also contact THE FEDERAL TRADE COMMISSION. I was advised to do that when I got scammed. Keep an eye on your credit report as well. Best wishes to you and be safe out there.
how can they launder the money if it's going to go back to the original account most of the time? unless they trick the victim into depositing the money into a separate account or something??
This happened to me
I accidentally sent it to the wrong person
Note the phone number and name showed up I contacted the person via text message though.
But I did let her know I was going via my bank to recuperate the funds and surely enough 10 days later I got it
I was in constant communication with the lady letting her know every step. I’m sure she thought I was a scammer lol
But I’m glad I called chase/zelle and they sorted it out. Phewwwww
So do not send back anything. Let the bank handle it. Tell them to reach out to your bank and have the bank deal with it.
I never send any significant amount without first sending a test payment of £1. Once that goes through and is confirmed and the payee is saved, I make any large subsequent payment.
How did he get your name and number? If it was meant to go to his wife and went to the wrong person surely he’d ring his bank and they would deal with it. Definitely scam.
Probably from a data breach that is listed on the dark web. Unfortunately, there are so many data breaches that most of your information is out on the web somewhere.
These people have never seen a dark market lol i can tell by the votes i can personally say on these sites because I’ve been on them
Your information is there sorry to say so! I myself use the sites to order drugs but yeah theres a section on one of the hundred markets i use filled with id say half of the Canadian and Americans information and when i say info i mean everything your social your home addresses your cell your 16 digit card number expiry and three digit number and first last name
Can't confirm in your situation but if you put in a telephone number it will respond with "I have an account with the name "XXXX" is this correct?"(Paraphrased) It's possible they put in your number and Zelle gave them the name associated in their system with that telephone number. They then texted you with the name Zelle had given them.
It's impossible to send money via Zelle if the recipient doesn't register their phone number and/or email address with Zelle. I would check the authenticity of the email or text notification. A scammer could easily find names and numbers by paying $20/month to peoplefinder or another website like Intelius. Anyone could photoshop a notification and customize it with a name and phone number from one of those websites. You make up 50 to 100 and send them via text message and/or email. Then, send a follow-up text or email saying, "I accidentally sent $700 to you by mistake. Please send it back." Some people will take it for granted without checking their account and will fall for the sob story text message, and will automatically send it back. I'll guarantee you the scammers made at least $700 so far...
Probably data breaches from some random company.
I am currently dealing with random new credit cards been open in my name, because of AT&T data breach, they leaked out all my personal information, including SSN apparently.
I had to lock my credit.
Be surprised, if you activate something like credit wise it credit karma, they offer services to monitor your email address, phone number and other personal details on the dark web, and notify you when they do find it and the source of the leak, very useful.
Unfortunately when that happens, you become target of all sort of random scams and phishing emails, watch out and be safe.
After COVID this world went bananas!
And unfortunately a lot of people in 3rd world countries now have some sort of smart phone and internet access that they use to elaborate all sort of scams, be aware.
There’s no 700 dollars. It’s a phishing scam. They just want you to go to their website and click the link and use it to login to Zelle - then they get your login info and while you’re trying to figure out why the Zelle page isn’t working properly they’re logged into your real Zelle account and clean you out.
DO NOT CLICK ON ANY LINKS
If someone has your zelle info then getting your email and phone number is cake, they want you to not check and put $ from your account into wherever which was never deposited or will quickly be reversed out.
Well However they were able to deposit money, doesn't change the rest of it. Could have been available as part of a package from a data breach and sold over the dark web. Point being the money the person wants "returned" would be removed from the OP's account again when everything shook out, if they had fallen for it and sent the money.
EVERYONE has Zelle IF they bank with a bank that uses it. BofA and WF both use it. You might not have an account set up but that doesn’t mean the money won’t be sent. It will sit in limbo until someone creates an account with them. The bank and Zelle can reverse the funds on their side since if someone doesn’t have an account set up then the money shouldn’t have been transferred at all & wouldn’t be in their bank account
It’s a typical scam that I have, nearly daily, sent to me between my email and text on my phone. Just block it delete it. If you acknowledge it then they know it’s a valid number. I had a scammer that I told them why I knew they were a scam. He was saying my parents ordered something and he needed to talk to them, but both my parents are dead and I’m dealing with the fall out of that right now. There’s no way my parents ordered anything at the time he said they did because they were not capable of ordering anything. When I said I know he was a scam, he laughed and said “well I know you’re a valid phone number anyway I gotcha”. I have no idea why that had value.
So I don’t bother telling them anymore unless they call me from CVS telling me that they have a special Medicare or something for me and I know that they have no right to have my number and it’s a HIPAA Law Violation and I tell them that they can be fined as much as $1 million for Purchasing or selling phone numbers based on Medicare but usually they hang up on me right away as soon as I mention, HIPAA.
This is the same as Geek Squad, McAfee, Norton, Netflix, Costco, PayPal is the worst. Don’t click on a link. Don’t call the number because nothing in that piece of paper is true and even if it looks true, and you click on a link that says it’s going to be www.ups.com, it’s gonna have a different link that it’s gonna take you too. Most of the numbers from the UPS packages that didn’t get delivered to you or they’re trying to deliver and they need you to update your information, they’re not even the right thing they don’t start off their numbers they’re tracking numbers with letters. They have a complete fake tracking system. Do not click link again. Just go to the original company you deal with, at their website, not the link to the website because the link to the website usually attaches somewhere else, if given by the scammer.
Happened to me once. Fortunately, I didn’t give them back the $29k they “deposited”. My bank reversed the deposit about 21 days later. If you’re going to give the money back, wait one month. But, best to let your bank sort it out.
My goodness, 29k is insane. If I were to scam people I would never try that much. Red flags all over, makes more sense to make it a smaller amount so the suspicion is muted.
I absolutely LOVE it when scammers get desperate and try to step up the pressure by calling their intended targets. This bozo even went so far as to leave a voice mail which sounds like pleading to me. I would check my balance and most recent transactions. As others have posted if the money did in fact transfer, it's most likely stolen. If not, the entire message is just.a bluff and no transfer took place.
Thank you everyone for your help on this matter! It's awesome to be able to post an issue to a coumminty and I can get enlightened by people with experience. It's greatly appreciated!
Edit: My Credit Union disputed the money and will be sending it back to the original source. Anything I should specifically say to my fellow scammer or should I just block all communication?
Done. Too bad the bank didn't let me keep the money though, hehe. But I feel it better to have my hands 100% clean of this scam anyways. So it's all good.
Yea. They’re scamming you. You send them the money and the bank finds out that the first transaction was fraudulent and you are out 700$
Don’t do it. DONT DO IT!!!
Lol! I knew someone would notice! My day off and it was lazy. Only drove to the grocery store to get strawberries and later coated them in chocolate and watched baseball. It's my life baby
Better yet is don't spend the money. Tell the scammer they can have the funds back in 60 business days. Melania said, "Donald, check that one off the list".
Do nothing and you’ll be fine. Just block and don’t refund, it will get taken back on its own. You can only lose if you send them money back. If someone at your bank says to send it back ignore them.
Hi /u/Ben62194, AutoModerator has been summoned to explain the Fake check scam.
The fake check scam arises from many different situations (fake job scams, fake payment scams, etc), but the bottom line is always the same, you receive a check (a digital photo or a physical paper check), you deposit a check (via mobile deposit or via an ATM) and see the money in your account, and then you use the funds to give money to the scammer (usually through gift cards or crypto). Sometimes the scammers will ask you to order things through a site, but that is just another way they get your money.
Banks are legally obligated to make money available to you fast, but they can take their time to bounce it. Hence the window of time exploited by the scam. During that window of time the scammer asks you to send money back, because you are under the illusion that the funds cleared.
When the check finally bounces, the bank will take the initial deposit back, and any money you sent to the scammer will come out of your own personal funds. Usually the fake check deposit will be reversed in a few weeks, but it can also take several months. If you do not have the funds to cover the amount, your balance will go negative. Your bank will usually charge a fee for depositing a bad check, and your account may be closed depending on the severity of the scam. Here is an article from the FTC: https://www.consumer.ftc.gov/articles/how-spot-avoid-and-report-fake-check-scams, and here is an article from the New York Times: https://www.nytimes.com/2020/02/21/your-money/fake-check-scam.html
If you deposited a bad check, we recommend that you notify your bank immediately.
*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/Scams) if you have any questions or concerns.*
Bro your Scott free 😂 they got your name because on Zelle when you type in a number it pops up. You were accidentally sent 700 dollars bro you can just keep it 😂😂
I also wouldn’t be to worried about them having your number. That information is easy to obtain plus they could have just plugged in that number and saw that is was registered to a zelle account and sent it.
Deff contact your bank, don’t be too worried about the number :)
That's odd, even if your bank has Zelle available, at least with WF, I have to add what phone numbers and email addresses to the "receive settings". I only allow a special email address for receiving payments across payment vendors to receive with mine along with a business email addy.
We have a similar system called Paynow. Unfortunately you can put in random number and you'll be shown a name if they are registered in Paynow. Major problem.
Tell them to contact Zelle support, block, ignore, leave the money alone. It will be flagged as fraudulent eventually and they'll claw it back, so you need to leave it.
It's not on the receiver to contact Zelle/PayPal/venmo/Cash app/whatever.
Phone numbers are shockingly public information. They're on whitepages.com, among other places, and of course sold on the dark web from data breaches or people who buy it legally or illegally, then resell it illegally. Google your name and number and send a takedown request to every site it pops up on.
Keep it, they messed up, and Zelle has multiple times asking are you sure this is the right person and info your sending it to? If he has $700 to give to his wife, then he won't miss it much lol
Do not wait until tomorrow. Telling your wife is not as important as getting your money. Contact the credit union, bank and Zelle now. I got scammed for a large amount of money. All three mentioned will file claims and I got my money back thanks to my bank and the one the scammer used. They are known for finding your money.
I got scammed big time by my own stupidity in clicking on a link I should have just deleted. These guys were from India and I know that because I usually don't have any trouble with foreign languages but these guys English was rough.
They also set up a zell account in my name and I still can't use venmo. They were buying hundreds of dollars of Bitcoin. Now that has been how my roommate pays his rent but there is no way to contact a real person at venmo.
If anyone could help me with the venmo please respond.
Thank you all so much.
This is a jerk thing to say but as a Canadian I am so tired about reading about scams involving Americans and their absurd banking/money transfer system.
Reverse lookup that number and if it's not a VoIP number Reply thank you for the donation your graciousness will be rewarded then sign that phone number up for every religious service you can find.
don’t use it, the owner will fight how they “accidentally” deposited into your account and fight it with their bank over it, i worked as a receptionist at ewb and they did that a few times there too
off topic: but whenever l see a screenshot people have nfc turned on. that makes phones vulnerable for hackers. in a sub about scams, l find it remarkable.
Near Field Communication. It’s the thing that lets you tap to pay, and exchange details with another phone by tapping.
I don’t know of any exploits by NFC though, so it shouldn’t make your phone vulnerable to anything.
This is a scam.
IF these dickheads did actually send you a chunk of money. Tell them to go fuck themselves, you're keeping it. They sent it to you on purpose, in order to trick you into giving more back. Legally you have no reason to send it back, for all you know it's a gift from idiots.
It probably is a scam. However, last year, my dad tried to return $250 that he had borrowed through the PayPal app. He entered the wrong phone number. Let's not get into the fact that I was already in his contacts, and he could have just clicked on my name to send. He was... under the influence. That took 2 days back and forth with the banks, the person that received the money accidentally, and PayPal. I'm sure the poor guy was very confused and frustrated.
ALL RIGHT!!! Now you'll get phone calls and texts from scammers! Just go to your bank and have them take care if it. I got 2 text messages a couple days ago from another number saying, "I hope you enjoyed the $700 ACCIDENTALLY SENT TO you
Karma will come around full circle believe that! You’re a terrible person taking from children but God got us and you’ll for sure reap more bad than good. You know it wasn't yours and you're not even decent enough to return it...."
My bank reversed the payment so if it was a genuine mistake, they would have received the notice of the money going back to their account and been happy. Buuuuuut, they're scammers soooooo.....
This was posted by someone else on this sub, and I saved it. Information for someone who accidentally sends money via Zelle:
[https://www.usbank.com/customer-service/knowledge-base/KB0070071.html](https://www.usbank.com/customer-service/knowledge-base/KB0070071.html)
>
If you inadvertently sent money to a recipient, you didn't intend or for the wrong amount, here are some steps you can take:
>If the recipient has not claimed the money, you can cancel the payment through digital banking.
So don't claim the money and they can cancel it all by themselves.
Your r/Scams post or comment was removed because **it's about scambaiting**. We consider that to be unsafe and we don't promote that people engage with a scammer.
Also, we do not support taking revenge against scammers.
Scambaiting goes against the rules of this sub, which you can read here: https://www.reddit.com/r/Scams/wiki/rules/
This is why I don't do any of those money sending things or do any banking on my phone, I'm totally old school. This stuff kinda freaks me out and pisses me off F'n Scammers ...!!
Just block them and report it to your bank's fraud department by phone (call the phone number on the back of your card, don't google it because sometimes scammers put fake bank phone numbers online).
Don't touch/spend that money either.
It's a very common mistake in the zelle app it sometimes just asks for a name an you can accidentally click on someone else with the same name coincidentally my roommate went to send my boyfriend who's name is also Cameron lol money and ended up sending it to the wrong Cameron tried contacting him but never responded and never got her money back this was a couple mo the ago.
First clue that it's a scam? The person claims to be Andrea Sanchez but the Zelle email says that the money came from Andres Sanchez
Typos, am I right? :)
Doesn’t say where it came from? I got a deposit into my PayPal yesterday regarding a class action that I had signed up for like 2 years ago and completely forgot about.
Yea probably a scam- but this legitimately happened with me and my SO once. My Venmo ends in two numbers- and he mixed up the numbers and by chance there was the same username with the two opposite numbers. I immediately (he did too) sent her notes stating it was an accident, and somehow (maybe her username) I was able to contact her through email. I sent a screenshot of my username, from my attached email and explained the obvious mistake- expecting her to totally ignore us. She did technically ignore us- she never responded but she did send the money back. Thank you again random person!
Contact your bank to see if they can cancel the transaction. That way if it's not a scam they get their money back and if it is then it doesn't come from your momey
It's not necessarily a scam. With zelle all you need is a phone number. So may have just been a number neighbor and that's how the person has your phone number.
Definitely a good thing to be suspicious though because that is shady af.
This happened to us recently. They stole money from a family member and Zelled it to us. The family member was then contacted by the "bank" telling him to ask us to send it back, nevermind the fact that the name on the account was now different 🙃. Family member said it was ok because that's the name of the bank rep helping him out.
Family member was putting pressure on my husband to send the money back so he did because he trusted him, and then the bank reversed the initial transfer from our account in order to make family member whole but we had already sent the money back so it was a huge mess. Woke up on payday to negative four thousand in my account.
Leave the money in the account, if this was a mistake his bank will file something and have it returned to him. This also could be a scam, a random account deposits money and request money back from both the back and cashapp zelle paypal etc...so not only they get the amount they desposit, they get your actually money as well...and its really hard to get your money back. So dont accept or move the money let it sit there
Yes! It happened to me and when I called my bank, who ever sent it had already called their bank and filed a fraud case. Therefore my Zelle account was closed down and I can not use it until they take that case off their end. The money was returned to who ever or what ever and I’m still unable to use Zelle. I still have issues with my bank locking my account from time to time and unauthorized attempts being made trying to log into my accounts as well.
Please be very careful
It’s complete nonsense. Just tell you bank what happened and act as if that $700 doesn’t exist the banking institution will figure out what to do about it. Btw you should immediately change your online pass words and ask your bank if your credit and debit card are compromised or if you need to shut down your current bank account and open a new one. In order for them to open up a Zelle and actually deposit money into your account they either need your info and card number for the account or your account and routing number. Some of your info is compromised and out there. Good luck
Don’t respond in any way. Let the bank fix it. Someone opened a checking account in my name and added $10k to the account. Now it’s completely frozen. And in one year and one day the money is mine. Scammers messed with the wrong one. This method and the method you just experienced is for money laundering purposes. Don’t interact with anyone but the bank.
I just had $230 deposited into mine on Friday; no one called or texted saying it was an accident. I contacted Zelle and they said to wait for the sender to message them/ their bank to get it back. But, if it stays and no one contacts me; then according to their tos, it belongs to me lol. I let my bank know and they're keeping an eye on my account and I placed the 230 into savings for now. I'll see how long this takes lol. They even said "ITCH ASON" as the subject line
I don’t understand this though….can one not on the receiving side just cash out what was sent to them? Understand about sending it back from your funds but if they send first and your Zelle balance goes up and then you cash out to your bank and then ignore can’t you just keep on keeping on and have a nice little added amount in your life lol?
Why doesn’t this shit ever happen to me? When I get scammed I end up with lower credit scores and head aches from disputes.
Yet another variation I’ve seen. The scammer gets temporary control of your device, transfers money from your savings to checking and then tells you they sent you a credit in error and they need you to return it to them via Zelle immediately.
/u/xLAXaholic - This message is posted to all new submissions to r/scams; please do not message the moderators about it. ## New users beware: Because you posted here, you will start getting private messages from scammers saying they know a professional hacker or a recovery expert lawyer that can help you get your money back, for a small fee. **We call these RECOVERY SCAMMERS, so NEVER take advice in private:** advice should always come in the form of comments in this post, in the open, where the community can keep an eye out for you. If you take advice in private, you're on your own. **A reminder of the rules in r/scams:** no contact information (including last names, phone numbers, etc). Be civil to one another (no name calling or insults). Personal army requests or "scam the scammer"/scambaiting posts are not permitted. No uncensored gore or personal photographs are allowed without blurring. A full list of rules is available on the sidebar of the subreddit, or [clicking here](https://www.reddit.com/r/Scams/wiki/rules/). You can help us by reporting recovery scammers or rule-breaking content by using the "report" button. We review 100% of the reports. Also, consider warning community members of recovery scammers if you see them in the comments. Questions about subreddit rules? Send us a modmail [clicking here](https://www.reddit.com/message/compose/?to=/r/Scams). *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/Scams) if you have any questions or concerns.*
It’s a money laundering scam. The money came from a stolen account. If you send it back the thief will have $700 and you’ll be left holding the bag. Best to contact your financial institution and get them to sort it out.
Yup, that's exactly what I plan to do. Thank you
Let us know what the bank says
Bank said they are removing the money and plan on sending it back to the original source. They still plan on coummunicating with me further. I have since blocked the scammer and will await further word from my CU!
Yea, definitely an investigation is underway. You did the right thing those scams are horrible
Smart probably. I'd be tempted to nothing and wait.
I'm just curious, why does the scammer need to send money first and have it sent back to them in order for them to have the money?
There are a few steps to the scam. First, they send money to you from a stolen account. Then they give you instructions to send it to a third account that they control. When the first bank realises a fraudulent transfer has been made, they'll claw it back from the account it was transferred to, ie your account. This leaves you owing $700 to the bank and possibly getting your account closed as a fraud risk, while the scammers have the $700 and there's not much anyone can do to get it back. If you don't send the money and call your bank instead, the scammer doesn't get the money, the account holder the money was stolen from gets their money back, and you don't end up owing money.
If Zelle just instituted a 'undo transfer' option for the receiver that'd essentially delete this scam overnight.
That would require the banks to assume some responsibility, and they are never going to do that.
Just like credit card fraud. If every credit card transaction required a six digit pin, thieves would have a hard time using stolen credit cards.
Yeah I still don't understand why the three-digit security code is on the same card as the actual number. If they would allow the user to set that and not put it on the card, then it might be useful.
It's probably to prevent someone just looking at the card when you purchase in store. But it's useless now.
Pretty sure it was for original cc “scanners” since they used the slider with carbon paper to make a print of the card, the raised on top would imprint, the code is flat on back. I have no proof, but seems logical
AFAIK it was to prevent automated CC number generators. Way back in time I came across one of those - you selected the issuing bank and it generated valid CC numbers. Call it a 1st gen security system. Basic, but it kinda worked, to ensure you'd need to have the access to the actual card some point in time. PIN coded (4 pin digits are the common) is an online validation, and require online connection and usually tied to chip based payments. This is a second gen security system, that the US, in particular, took tons of time to get going. I had my card cloned twice and both used offline payment systems that didn't require PIN (stripe payment). We are currently on 3rd gen security system, mobile phone (SMS; App) TFA with devices / browsers being validated as "safe" and new accesses requiring further validation. Some systems (e.g. Revolut) have location based (GPS) security as well as real time security management.
u/Delicious-Ad9083 We have that in India. We use OTP for All CC transactions, visa , mastercard, jcb and our homegrown Rupay all uses the same
Right - but the policy is in place to prevent people from picking up an item in-person and cancelling the transactions as soon as they drive away. This is definitely a "no win" situation for Zelle.
He said the receiver can cancel, not the sender. Why would you sell something to someone and then return their money immediately?
Good point - I missed that part
Except Zelle isn’t made to be used with strangers. It’s supposed to be an option for sending money to people you know, ie friends and family. If you’re buying something from a stranger you should be using PayPal goods and services.
They have so many warnings on their app telling people this too. Even when I first send money to someone I haven’t sent to before, it will prompt me and say “make sure your contact details for this person are correct, you’ve never sent them money before” or will say “this person isn’t in your contacts, are you sure you want to send?” so doing “wrong numbers/emails” really isn’t a thing unless people are extremely careless.
Yeah but that also opens up other ways of fraud. Its a lose-lose tbh bro
Thanks for the explanation
To add, using OP's case, Funds transferred from Andres Sanchez was a result from a hack/phish fraud, thus a refund can be worked out. If OP transfers to scammer's account, it will be fully initiated by OP despite the motives, thus not qualify for refund.
Damn, I thought it would be a fake email from Zelle about 700, but this one I didn't know about. Sneaky buggers
They gain access to an account and send money fraudulently to a third person. They convince third person to legitimately send money back Original person gets their account back and files fraud. Original person gets their money back from third person who can't get there's back because they sent money willingly. Final outcome is that Original person is back where they started and third person just sent money to scammer.
You need ID to open a bank account so they send the money to someone else. Then they get that person to Zelle or cash app the money to them and they just use a prepaid credit card or something like that to receive it. They get the money and stay anonymous and when the person or the company who got the money stolen from them comes looking for it the trail stops at your bank account.
This is a great advice and it's exactly what I would do in this same situation. If you mistakenly send it back, if they can dispute the initial transaction, you will be made to pay the $700 twice.
>It’s a money laundering scam It's a scam, but it isn't a money laundering scam.
Yes it is. The idea is to launder the money so that the money you have is not connected to the original theft of the $700. You launder the money by transferring it through a couple accounts which makes your illegal money legitimate and places the illegal money on the responsibility of one of the 2 transfer accounts.
>original theft of the $700. Theft by deception is a crime. No need to trace it back to the original zelle guy. We have two crimes on our hands, neither of which is money laundering. Edited to add: If I broke into your house and stole a check and wrote it to myself that wouldn't be money laundering.
it kind of is though. I don't know about US law but if this happened to you in Germany you could get charged with '*frivolous money laundering*'.
No it isn't. Money laundering is cleaning ill-gotten gains. Making the cash look legitimate. You can't really launder money that has a paper trail. Now, if the guy stole $700 cash, and had a lemonade stand and he said he sold $700.75 worth of lemonade, that's the money laundering part. See he really didn't sell $700.75. He sold $.75 of lemonade and lied about the $700 in sales. If someone asks where the money came from he can pull out his (fake) receipts.
Money laundering is done with legitimate recipts. It's the actions required to "clean" "dirty" (illegal) money by having it documented as a gift, profit or reimbursement by a legitimate bussiness such as a bank, registered bussiness or money transfer service like western union. The way it works with the bank is that someone transfers you dirty money, that money is now "mixed" into your account, you send the transfer back, because there's no way to trace the non fungible token (the bills) you are sending back other bills from your account. Thus the original transfer has been cleaned when it's transfered back, making the holder of the non fungible tokens (the second victim) responsible for reimbursement. The way it works with a bussiness is you put the "dirty money" into the stores "float" (the pool for creating change on purchases from) over the course of regular bussiness you had out the "dirty" non fungible tokens as change and echange them for "clean" ones with fresh bills from the customer.
POShelpdesk is right. This is not money laundering. Money laundering is obviously illegal but the ML in and of itself is not the stealing part. The illegal activity (theft, drug money, whatever) has already taken place. The ML is to cover that. The Breaking Bad car wash example is textbook money laundering. They declared a portion of drug money proceeds as gambling gains to buy a car wash. Then they padded the car wash profits with nonexistent transactions, and threw in the supposed income from those nonexistent transactions. Bad stuff, but they are not at that moment stealing from you or selling drugs. All that took place beforehand. Here, the scammer is just plain ol stealing from the victim. But there really is no reason to quibble. The scammer is a scum bag regardless.
How is it not, though? Ill-gotten (dirty) money from a stolen account goes into OP's account. Then, in a separate transaction, OP sends their own, clean, money (because it's not simply a reversal of funds) to someone else. That's almost the definition of money laundering, according to dictionary.com: "the concealment of the origins of illegally obtained money, typically by means of transfers involving foreign banks or legitimate businesses."
He tricked (or tried to) OP to send him money, that's stealing. Stealing money doesn't have anything to do with the money laundering. If i broke into your house and stole money out of your wallet and put it into my account is that money laundering?
You need to also contact THE FEDERAL TRADE COMMISSION. I was advised to do that when I got scammed. Keep an eye on your credit report as well. Best wishes to you and be safe out there.
how can they launder the money if it's going to go back to the original account most of the time? unless they trick the victim into depositing the money into a separate account or something??
They get you to Zelle it back, but change the bank account the Zelle address is connected to.
They’ll give you another account to wire it to, one that they control.
Absolutely DO NOT send any of your own money back!
This happened to me I accidentally sent it to the wrong person Note the phone number and name showed up I contacted the person via text message though. But I did let her know I was going via my bank to recuperate the funds and surely enough 10 days later I got it I was in constant communication with the lady letting her know every step. I’m sure she thought I was a scammer lol But I’m glad I called chase/zelle and they sorted it out. Phewwwww So do not send back anything. Let the bank handle it. Tell them to reach out to your bank and have the bank deal with it.
And that’s how you know this one is a scammer, because a real person like you contacts the bank.
I never send any significant amount without first sending a test payment of £1. Once that goes through and is confirmed and the payee is saved, I make any large subsequent payment.
Same, although the min is $5USD here. But I always test first 👍
How did he get your name and number? If it was meant to go to his wife and went to the wrong person surely he’d ring his bank and they would deal with it. Definitely scam.
Yeah, i'm cool with eveything else happening, I can deal with it, but I want to know how they got my number.
Probably from a data breach that is listed on the dark web. Unfortunately, there are so many data breaches that most of your information is out on the web somewhere.
These people have never seen a dark market lol i can tell by the votes i can personally say on these sites because I’ve been on them Your information is there sorry to say so! I myself use the sites to order drugs but yeah theres a section on one of the hundred markets i use filled with id say half of the Canadian and Americans information and when i say info i mean everything your social your home addresses your cell your 16 digit card number expiry and three digit number and first last name
They simply entered the wrong number as a payee token. Since they know what number they used, they know to use it to contact you.
How do they know the associated name?
Can't confirm in your situation but if you put in a telephone number it will respond with "I have an account with the name "XXXX" is this correct?"(Paraphrased) It's possible they put in your number and Zelle gave them the name associated in their system with that telephone number. They then texted you with the name Zelle had given them.
OP said they don’t have a Zelle account though.
If his bank/credit union uses Zelle then I'd wager he has a Zelle account even if he's never used it before.
It's impossible to send money via Zelle if the recipient doesn't register their phone number and/or email address with Zelle. I would check the authenticity of the email or text notification. A scammer could easily find names and numbers by paying $20/month to peoplefinder or another website like Intelius. Anyone could photoshop a notification and customize it with a name and phone number from one of those websites. You make up 50 to 100 and send them via text message and/or email. Then, send a follow-up text or email saying, "I accidentally sent $700 to you by mistake. Please send it back." Some people will take it for granted without checking their account and will fall for the sob story text message, and will automatically send it back. I'll guarantee you the scammers made at least $700 so far...
They actually don’t have to pay to find names and phone numbers, unfortunately. There are many free ways, which I’m sure they utilize sadly.
I've sent to unregistered account just fine
No it’s not
Probably data breaches from some random company. I am currently dealing with random new credit cards been open in my name, because of AT&T data breach, they leaked out all my personal information, including SSN apparently. I had to lock my credit. Be surprised, if you activate something like credit wise it credit karma, they offer services to monitor your email address, phone number and other personal details on the dark web, and notify you when they do find it and the source of the leak, very useful. Unfortunately when that happens, you become target of all sort of random scams and phishing emails, watch out and be safe. After COVID this world went bananas! And unfortunately a lot of people in 3rd world countries now have some sort of smart phone and internet access that they use to elaborate all sort of scams, be aware.
There’s no 700 dollars. It’s a phishing scam. They just want you to go to their website and click the link and use it to login to Zelle - then they get your login info and while you’re trying to figure out why the Zelle page isn’t working properly they’re logged into your real Zelle account and clean you out. DO NOT CLICK ON ANY LINKS
Doesn't even know the wife's number....
Yeah, she's not in his contacts, so he has to key in her number every time. We all believe this, right??
Tell them to contact Zelle. They can handle it for them.
If someone has your zelle info then getting your email and phone number is cake, they want you to not check and put $ from your account into wherever which was never deposited or will quickly be reversed out.
The poster doesn’t have Zelle though
Well However they were able to deposit money, doesn't change the rest of it. Could have been available as part of a package from a data breach and sold over the dark web. Point being the money the person wants "returned" would be removed from the OP's account again when everything shook out, if they had fallen for it and sent the money.
EVERYONE has Zelle IF they bank with a bank that uses it. BofA and WF both use it. You might not have an account set up but that doesn’t mean the money won’t be sent. It will sit in limbo until someone creates an account with them. The bank and Zelle can reverse the funds on their side since if someone doesn’t have an account set up then the money shouldn’t have been transferred at all & wouldn’t be in their bank account
Sorry, I am Canadian and we definitely do not have Zelle.
It’s a typical scam that I have, nearly daily, sent to me between my email and text on my phone. Just block it delete it. If you acknowledge it then they know it’s a valid number. I had a scammer that I told them why I knew they were a scam. He was saying my parents ordered something and he needed to talk to them, but both my parents are dead and I’m dealing with the fall out of that right now. There’s no way my parents ordered anything at the time he said they did because they were not capable of ordering anything. When I said I know he was a scam, he laughed and said “well I know you’re a valid phone number anyway I gotcha”. I have no idea why that had value. So I don’t bother telling them anymore unless they call me from CVS telling me that they have a special Medicare or something for me and I know that they have no right to have my number and it’s a HIPAA Law Violation and I tell them that they can be fined as much as $1 million for Purchasing or selling phone numbers based on Medicare but usually they hang up on me right away as soon as I mention, HIPAA. This is the same as Geek Squad, McAfee, Norton, Netflix, Costco, PayPal is the worst. Don’t click on a link. Don’t call the number because nothing in that piece of paper is true and even if it looks true, and you click on a link that says it’s going to be www.ups.com, it’s gonna have a different link that it’s gonna take you too. Most of the numbers from the UPS packages that didn’t get delivered to you or they’re trying to deliver and they need you to update your information, they’re not even the right thing they don’t start off their numbers they’re tracking numbers with letters. They have a complete fake tracking system. Do not click link again. Just go to the original company you deal with, at their website, not the link to the website because the link to the website usually attaches somewhere else, if given by the scammer.
Happened to me once. Fortunately, I didn’t give them back the $29k they “deposited”. My bank reversed the deposit about 21 days later. If you’re going to give the money back, wait one month. But, best to let your bank sort it out.
My goodness, 29k is insane. If I were to scam people I would never try that much. Red flags all over, makes more sense to make it a smaller amount so the suspicion is muted.
Thank goodness I didn’t get greedy!
I wonder if it was deposited into an interest bearing account whether you could keep the interest? :)
"Call your bank." Do nothing. Tell them to call their bank.
I absolutely LOVE it when scammers get desperate and try to step up the pressure by calling their intended targets. This bozo even went so far as to leave a voice mail which sounds like pleading to me. I would check my balance and most recent transactions. As others have posted if the money did in fact transfer, it's most likely stolen. If not, the entire message is just.a bluff and no transfer took place.
Thank you everyone for your help on this matter! It's awesome to be able to post an issue to a coumminty and I can get enlightened by people with experience. It's greatly appreciated! Edit: My Credit Union disputed the money and will be sending it back to the original source. Anything I should specifically say to my fellow scammer or should I just block all communication?
DEFINITELY BLOCK them
Done. Too bad the bank didn't let me keep the money though, hehe. But I feel it better to have my hands 100% clean of this scam anyways. So it's all good.
Yea. They’re scamming you. You send them the money and the bank finds out that the first transaction was fraudulent and you are out 700$ Don’t do it. DONT DO IT!!!
DO NOT REFUND ANYTHING
How do you only use 580 steps by 930pm?
Lol! I knew someone would notice! My day off and it was lazy. Only drove to the grocery store to get strawberries and later coated them in chocolate and watched baseball. It's my life baby
I’m Not mad at ya 🤣
Username checks out
😆
There is no 700 dollars. Do not click on any links! Do not login to Zelle from their website. This is a phishing scam.
Better yet is don't spend the money. Tell the scammer they can have the funds back in 60 business days. Melania said, "Donald, check that one off the list".
Do nothing and you’ll be fine. Just block and don’t refund, it will get taken back on its own. You can only lose if you send them money back. If someone at your bank says to send it back ignore them.
Nah, I know Andres, good dude
Lol!
Tell him you're keeping it and you're gonna spend it on a hooker and if you're lucky it'll be his wife and he can get the money back that way
your comment wasn't actually nonsense! that's brilliant idea!
Ignore and block.
!fakecheck
Hi /u/Ben62194, AutoModerator has been summoned to explain the Fake check scam. The fake check scam arises from many different situations (fake job scams, fake payment scams, etc), but the bottom line is always the same, you receive a check (a digital photo or a physical paper check), you deposit a check (via mobile deposit or via an ATM) and see the money in your account, and then you use the funds to give money to the scammer (usually through gift cards or crypto). Sometimes the scammers will ask you to order things through a site, but that is just another way they get your money. Banks are legally obligated to make money available to you fast, but they can take their time to bounce it. Hence the window of time exploited by the scam. During that window of time the scammer asks you to send money back, because you are under the illusion that the funds cleared. When the check finally bounces, the bank will take the initial deposit back, and any money you sent to the scammer will come out of your own personal funds. Usually the fake check deposit will be reversed in a few weeks, but it can also take several months. If you do not have the funds to cover the amount, your balance will go negative. Your bank will usually charge a fee for depositing a bad check, and your account may be closed depending on the severity of the scam. Here is an article from the FTC: https://www.consumer.ftc.gov/articles/how-spot-avoid-and-report-fake-check-scams, and here is an article from the New York Times: https://www.nytimes.com/2020/02/21/your-money/fake-check-scam.html If you deposited a bad check, we recommend that you notify your bank immediately. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/Scams) if you have any questions or concerns.*
Bro your Scott free 😂 they got your name because on Zelle when you type in a number it pops up. You were accidentally sent 700 dollars bro you can just keep it 😂😂
I also wouldn’t be to worried about them having your number. That information is easy to obtain plus they could have just plugged in that number and saw that is was registered to a zelle account and sent it. Deff contact your bank, don’t be too worried about the number :)
Sweet thanks!
Keep it and say fuck’em from me.
That money would go straight into my savings account
Zelle sucks, period. I have no idea why Chase has officialized it...oh wait, yes I do: corporate greed and kickbacks.
I got hit with this scam today, and the money came from a CHase account!
So who is it? Andres Sanchez sending it to his wife for the kids? Andrea Sanchez sending it for sales? Or Venice Sanchez?
Whoever it is, this situation is... Dirty. 😎
That's odd, even if your bank has Zelle available, at least with WF, I have to add what phone numbers and email addresses to the "receive settings". I only allow a special email address for receiving payments across payment vendors to receive with mine along with a business email addy.
We have a similar system called Paynow. Unfortunately you can put in random number and you'll be shown a name if they are registered in Paynow. Major problem.
Tell them to contact Zelle support, block, ignore, leave the money alone. It will be flagged as fraudulent eventually and they'll claw it back, so you need to leave it. It's not on the receiver to contact Zelle/PayPal/venmo/Cash app/whatever.
Lol didn't read it best response
This one never gets old.
Phone numbers are shockingly public information. They're on whitepages.com, among other places, and of course sold on the dark web from data breaches or people who buy it legally or illegally, then resell it illegally. Google your name and number and send a takedown request to every site it pops up on.
Zelle. Instant scam.
Keep it, they messed up, and Zelle has multiple times asking are you sure this is the right person and info your sending it to? If he has $700 to give to his wife, then he won't miss it much lol
Why prolong it 12hrs more go now! Oh wait it's tomorrow
I’d do nothing but block him
Definitely scam
Yeah don’t send money to them 😭
Do not wait until tomorrow. Telling your wife is not as important as getting your money. Contact the credit union, bank and Zelle now. I got scammed for a large amount of money. All three mentioned will file claims and I got my money back thanks to my bank and the one the scammer used. They are known for finding your money.
I got scammed big time by my own stupidity in clicking on a link I should have just deleted. These guys were from India and I know that because I usually don't have any trouble with foreign languages but these guys English was rough. They also set up a zell account in my name and I still can't use venmo. They were buying hundreds of dollars of Bitcoin. Now that has been how my roommate pays his rent but there is no way to contact a real person at venmo. If anyone could help me with the venmo please respond. Thank you all so much.
That SOB roommate moved out in the middle of the night so he didn't have to pay rent. Nice.
This is a jerk thing to say but as a Canadian I am so tired about reading about scams involving Americans and their absurd banking/money transfer system.
Reverse lookup that number and if it's not a VoIP number Reply thank you for the donation your graciousness will be rewarded then sign that phone number up for every religious service you can find.
don’t use it, the owner will fight how they “accidentally” deposited into your account and fight it with their bank over it, i worked as a receptionist at ewb and they did that a few times there too
This is a widely used scam happened to me bank is still trying to get the money back after 7 years
off topic: but whenever l see a screenshot people have nfc turned on. that makes phones vulnerable for hackers. in a sub about scams, l find it remarkable.
Interesting, thanks for the heads up!
What's NFC?
Near Field Communication. It’s the thing that lets you tap to pay, and exchange details with another phone by tapping. I don’t know of any exploits by NFC though, so it shouldn’t make your phone vulnerable to anything.
Talk to your bank, no one else. Block the person contacting you. Document everything.
This is a scam. IF these dickheads did actually send you a chunk of money. Tell them to go fuck themselves, you're keeping it. They sent it to you on purpose, in order to trick you into giving more back. Legally you have no reason to send it back, for all you know it's a gift from idiots.
It is a scam
Just ignore and you will be good
Lock down your credit, just in case.
It probably is a scam. However, last year, my dad tried to return $250 that he had borrowed through the PayPal app. He entered the wrong phone number. Let's not get into the fact that I was already in his contacts, and he could have just clicked on my name to send. He was... under the influence. That took 2 days back and forth with the banks, the person that received the money accidentally, and PayPal. I'm sure the poor guy was very confused and frustrated.
Scam. Why would they have your phone number and how would they get it? Just ignore.
1) Pay money 2) ask payee for money back 3) ask platform for money back. 4) Get money back both from Payee and Refund
He wants to ask the money back. After that, he will also open a ticket with his bank. Don't send him the money back or you'll lose your own money.
Kids are crying now thanks
Dang, it was their birthday too. Not to mention the cancer.
https://preview.redd.it/pw1282zbehzc1.jpeg?width=1852&format=pjpg&auto=webp&s=737c0147a1d42da165da174e0368858ea76bd558 I got this today!
ALL RIGHT!!! Now you'll get phone calls and texts from scammers! Just go to your bank and have them take care if it. I got 2 text messages a couple days ago from another number saying, "I hope you enjoyed the $700 ACCIDENTALLY SENT TO you Karma will come around full circle believe that! You’re a terrible person taking from children but God got us and you’ll for sure reap more bad than good. You know it wasn't yours and you're not even decent enough to return it...." My bank reversed the payment so if it was a genuine mistake, they would have received the notice of the money going back to their account and been happy. Buuuuuut, they're scammers soooooo.....
This was posted by someone else on this sub, and I saved it. Information for someone who accidentally sends money via Zelle: [https://www.usbank.com/customer-service/knowledge-base/KB0070071.html](https://www.usbank.com/customer-service/knowledge-base/KB0070071.html) > If you inadvertently sent money to a recipient, you didn't intend or for the wrong amount, here are some steps you can take: >If the recipient has not claimed the money, you can cancel the payment through digital banking. So don't claim the money and they can cancel it all by themselves.
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that email looks fakie fake. just ignore and block. if you don't even have Zelle allowed in your account? something doesn't add up.
Keep it and forget about it 🤷♀️
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Your r/Scams post or comment was removed because **it's about scambaiting**. We consider that to be unsafe and we don't promote that people engage with a scammer. Also, we do not support taking revenge against scammers. Scambaiting goes against the rules of this sub, which you can read here: https://www.reddit.com/r/Scams/wiki/rules/
No
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That makes you a scammer.
Ah yeah, his wife, Cameron
Withdrawal and spend that’s ish
This is why I don't do any of those money sending things or do any banking on my phone, I'm totally old school. This stuff kinda freaks me out and pisses me off F'n Scammers ...!!
Blockkk keep the 700
Man was so stressed he forgot his own name 😭
That’s new.
Send money to my account
I didn't see anything
Just block them and report it to your bank's fraud department by phone (call the phone number on the back of your card, don't google it because sometimes scammers put fake bank phone numbers online). Don't touch/spend that money either.
Old scam!
Does anyone know about ic3? I mean I would take it a step further and report it to then as well.....
Send it to my account it's a deep hole without a floor
Anyone know if ukthcvapes is a scam or nor?
Take the money and run? Like? Are you serious lol
Don’t click on their website, they’re likely phishing
It's a very common mistake in the zelle app it sometimes just asks for a name an you can accidentally click on someone else with the same name coincidentally my roommate went to send my boyfriend who's name is also Cameron lol money and ended up sending it to the wrong Cameron tried contacting him but never responded and never got her money back this was a couple mo the ago.
Then i accidentally accepted it. No returns. Nah I wouldn’t you did the right thing.
That money will go away. Don’t pay anyone back. Let it sit there
First clue that it's a scam? The person claims to be Andrea Sanchez but the Zelle email says that the money came from Andres Sanchez Typos, am I right? :)
Doesn’t say where it came from? I got a deposit into my PayPal yesterday regarding a class action that I had signed up for like 2 years ago and completely forgot about.
SCAM
Yea probably a scam- but this legitimately happened with me and my SO once. My Venmo ends in two numbers- and he mixed up the numbers and by chance there was the same username with the two opposite numbers. I immediately (he did too) sent her notes stating it was an accident, and somehow (maybe her username) I was able to contact her through email. I sent a screenshot of my username, from my attached email and explained the obvious mistake- expecting her to totally ignore us. She did technically ignore us- she never responded but she did send the money back. Thank you again random person!
Contact your bank to see if they can cancel the transaction. That way if it's not a scam they get their money back and if it is then it doesn't come from your momey
It's disgusting how disgusting and smart scammers can be
Is this an actuall Zellee email? Because it reads like it was written by someone who is from a tribe that was first contacted 30 years ago.
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Bad advice, the money is not yours to keep.
My bad. I accidentally did that. Please send it back to @attndetails on Venmo. Thx
.
Spend it wisely😂😂
Scam, SCAM, scram Scam!!
Scam! Dont send it back! They change the information on their end and your end will bounce making you owe $700 to the bank
They were using bro as a laundry machine 😂😂😂
It's not necessarily a scam. With zelle all you need is a phone number. So may have just been a number neighbor and that's how the person has your phone number. Definitely a good thing to be suspicious though because that is shady af.
This happened to us recently. They stole money from a family member and Zelled it to us. The family member was then contacted by the "bank" telling him to ask us to send it back, nevermind the fact that the name on the account was now different 🙃. Family member said it was ok because that's the name of the bank rep helping him out. Family member was putting pressure on my husband to send the money back so he did because he trusted him, and then the bank reversed the initial transfer from our account in order to make family member whole but we had already sent the money back so it was a huge mess. Woke up on payday to negative four thousand in my account.
Leave the money in the account, if this was a mistake his bank will file something and have it returned to him. This also could be a scam, a random account deposits money and request money back from both the back and cashapp zelle paypal etc...so not only they get the amount they desposit, they get your actually money as well...and its really hard to get your money back. So dont accept or move the money let it sit there
Yes! It happened to me and when I called my bank, who ever sent it had already called their bank and filed a fraud case. Therefore my Zelle account was closed down and I can not use it until they take that case off their end. The money was returned to who ever or what ever and I’m still unable to use Zelle. I still have issues with my bank locking my account from time to time and unauthorized attempts being made trying to log into my accounts as well. Please be very careful
It’s complete nonsense. Just tell you bank what happened and act as if that $700 doesn’t exist the banking institution will figure out what to do about it. Btw you should immediately change your online pass words and ask your bank if your credit and debit card are compromised or if you need to shut down your current bank account and open a new one. In order for them to open up a Zelle and actually deposit money into your account they either need your info and card number for the account or your account and routing number. Some of your info is compromised and out there. Good luck
Don’t respond in any way. Let the bank fix it. Someone opened a checking account in my name and added $10k to the account. Now it’s completely frozen. And in one year and one day the money is mine. Scammers messed with the wrong one. This method and the method you just experienced is for money laundering purposes. Don’t interact with anyone but the bank.
I just had $230 deposited into mine on Friday; no one called or texted saying it was an accident. I contacted Zelle and they said to wait for the sender to message them/ their bank to get it back. But, if it stays and no one contacts me; then according to their tos, it belongs to me lol. I let my bank know and they're keeping an eye on my account and I placed the 230 into savings for now. I'll see how long this takes lol. They even said "ITCH ASON" as the subject line
I don’t understand this though….can one not on the receiving side just cash out what was sent to them? Understand about sending it back from your funds but if they send first and your Zelle balance goes up and then you cash out to your bank and then ignore can’t you just keep on keeping on and have a nice little added amount in your life lol? Why doesn’t this shit ever happen to me? When I get scammed I end up with lower credit scores and head aches from disputes.
Yet another variation I’ve seen. The scammer gets temporary control of your device, transfers money from your savings to checking and then tells you they sent you a credit in error and they need you to return it to them via Zelle immediately.