Zelle scam Chase: how did they do this?

Zelle scam Chase: how did they do this?


The content was posted by daremightythings187 on 2021-10-04 21:54:29 via reddit

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3 Comments

  1. How did they do what?

  2. daremightythings187 says:

    So can anyone help me figure out how this scam worked to relieve me of 2k today? I got a text that seemed like the usual Chase fraud department text. It was asking if I made a 2k payment through zelle. I answered no. A minute later a call came from what I remembered as a Chase number. They spoke about the 2k fraudulent payment. They said someone sent it to a Wells Fargo acct and they would help me get it back and safeguard my acct. The complicating factor was that when I opened my acct I actually saw a 2k payment going out. That was actually a payment I had made to a cc the day before. The fraud had not yet actually occurred. But bc of the text and phone call and the visual confirmation of 2k going out, it all appeared as if what the scammer was saying was true. He said he was sending me an email verification that never came. When I said that I didn’t get it he ran off a list of three emails that he said were attached to my chase acct. None of these were my email. I was so bought in to the scam that I was raising my voice a bit about how I could have other emails on my acct without verifying that w me. He said that was part of the scam. Were there red flags up until then. I say yes, now. He kept using the word “of” in the wrong place. But that’s about it so far. There were blatant other red flags but once I was a believer I discounted them. So since I didn’t get the email he asked me for the correct email so he could send me the verification code. I wouldn’t give it to him, bc, he’s Chase, right? He must have it. So he said he does have it but he can’t give it to me bc it’s default email, or alternative email, I really forgot what he said. He said if I wouldn’t give it to him at least give him the .com name. So I did. Then he rattled back my actual email w the right extension, that I just gave him. So did he have my complete email? Idk. Did he just need the server name? But that seems like info he needed. Btw he also had two of my old addresses. I had moved and updated my current address on Chase a month ago but he didn’t have it. So I was annoyed again at how Chase didn’t have my updated info. I’m so dumb. At least I didn’t give him my current address. So he said the process was to add my info to zelle as a recipient so Wells Fargo could send the money back through Zelle. I know. I know. Red flag. But I did. Then of course he said he was sending me a verification code to the email I helped him confirm (?) which I read off to him. So still no fraud just yet. But I was set up like a yummy dinner. He said, all you need to do is go through some steps on zelle to get back the money. I still don’t know how my fingers pressed these buttons bc it’s insane to me how I did just this: he said to send 2k to myself, at my real email. This would somehow return the money to me from Wells Fargo. I have no idea as I write this how I understood this to be correct. I was an accountant on wall st in my past career. I guess there’s a lot of psychological bias going on to let yourself believe things that on the face make no sense. So after I sent it of course it disappeared from my bank and I got confirmation that I sent it to myself.
    Other info: the email I verified w him was a different one that I used on zelle. Same name, different extension.
    He kept calling me back to see if I am getting an email he’s sending me w instructions to do idk what. My phone had died so I was using my watch so it kept disconnecting but he kept calling back. Why?
    So if anyone can figure out the actual mechanics of this scam, I’d appreciate knowing. It can help with my claim if Chase gives me a hard time for some reason. Thanks!

  3. Crabby_Appleton says:

    Sorry this happened to you. You can claim wire fraud, but because you pushed all the buttons to create the payee and send the money its going to be tough to prove.

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