# Zelle Being Sued **URL:** \ **Category:** Technology\ **Created:** [December 20, 2024, 7:54pm UTC](https://community.clark.com/t/zelle-being-sued/6735 "2024-12-20T19:54:53Z")\ **Posts on this page:** 10\ **Page:** 1
**Author:** ![butler](https://avatars.discourse-cdn.com/v4/letter/b/ac91a4/32.png) [@butler](https://community.clark.com/u/butler)\ **Post date:** [December 20, 2024, 7:54pm UTC](https://community.clark.com/t/zelle-being-sued/6735/1 "2024-12-20T19:54:53Z")
Im sure Clark will be talking about this soon. I’m surprised it took this long… > **[JPMorgan Chase, Bank of America and Wells Fargo sued for failing to prevent...](https://www.cnn.com/2024/12/20/business/zelle-fraud-lawsuit-banks/index.html)** > > The Consumer Financial Protection Bureau said Friday it filed a complaint against three of the country’s largest banks and the operator of Zelle, the most widely available peer-to-peer payment system, “for allowing fraud to fester” on that network. ---
**Author:** ![ochotona](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/ochotona/32/293_2.png) [@ochotona](https://community.clark.com/u/ochotona)\ **Post date:** [December 20, 2024, 8:38pm UTC](https://community.clark.com/t/zelle-being-sued/6735/2 "2024-12-20T20:38:01Z")
I use Zelle regularly, and I don’t see the issue really. **If you don’t know who you are paying, then don’t pay them**. It’s like cash - if you throw cash out onto the sidewalk carelessly in downtown NYC or Chicago, don’t expect to get it back. “That said, Seiberg noted, banks may have a strong defense “as much of the fight is over authorized transactions that prove fraudulent. It is hard for us to see a court demanding banks stop transactions that consumers want to make.”” ---
**Author:** ![ole1845](https://avatars.discourse-cdn.com/v4/letter/o/e495f1/32.png) [@ole1845](https://community.clark.com/u/ole1845)\ **Post date:** [December 20, 2024, 8:43pm UTC](https://community.clark.com/t/zelle-being-sued/6735/3 "2024-12-20T20:43:17Z")
I hope this gets thrown out. Zelle is like cash. If you get ripped off Zelle isn’t getting your money back for you. ---
**Author:** ![stephen](https://avatars.discourse-cdn.com/v4/letter/s/96bed5/32.png) [@stephen](https://community.clark.com/u/stephen)\ **Post date:** [December 24, 2024, 11:18pm UTC](https://community.clark.com/t/zelle-being-sued/6735/4 "2024-12-24T23:18:08Z")
Zelle is like cash… but it doesn’t have to be. There are any number of things Zelle could have done to help prevent fraud. Could they eliminate it? No but it certainly could be better. It was very clearly rushed out when it was released. One example… At that time, my bank did not have Zelle so I had to sign up for an account directly with the company that operates Zelle. A few years later, my bank added Zelle so I closed and deleted the other account which it claimed would immediately free up my email to register with my bank… it didn’t - it took another couple of years before my email address was freed up. I’m not a fan of any of the “cash” payment apps. ---
**Author:** ![glasspilot](https://avatars.discourse-cdn.com/v4/letter/g/eada6e/32.png) [@glasspilot](https://community.clark.com/u/glasspilot)\ **Post date:** [December 25, 2024, 4:58pm UTC](https://community.clark.com/t/zelle-being-sued/6735/5 "2024-12-25T16:58:14Z")
> [@ole1845](#): > > If you get ripped off Zelle isn’t getting your money back for you. A lot of you guys assume it’s because the bank account holder who uses Zelle to a scammer and gets ripped off. What Clark is saying is somebody else somehow uses Your Zelle to steal money from you and you had nothing to do with it. Clark says Zelle is too embedded into your checking account. The other cash apps are just “attached” to your accounts which (I guess) makes them safer. ---
**Author:** ![H200h](https://avatars.discourse-cdn.com/v4/letter/h/e79b87/32.png) [@H200h](https://community.clark.com/u/H200h)\ **Post date:** [December 25, 2024, 5:08pm UTC](https://community.clark.com/t/zelle-being-sued/6735/6 "2024-12-25T17:08:41Z")
What can you do with Zelle that you can’t do with your credit union or bank’s bill pay or one-time push from your checking account? ---
**Author:** ![MyCC](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/mycc/32/3075_2.png) [@MyCC](https://community.clark.com/u/MyCC)\ **Post date:** [January 7, 2025, 5:56pm UTC](https://community.clark.com/t/zelle-being-sued/6735/7 "2025-01-07T17:56:01Z")
I have used Zelle for years with no problems, but I _only_ use it for immediate family. I never use it for outside parties. ---
**Author:** ![Handcraft8](https://avatars.discourse-cdn.com/v4/letter/h/a587f6/32.png) [@Handcraft8](https://community.clark.com/u/Handcraft8)\ **Post date:** [January 7, 2025, 9:24pm UTC](https://community.clark.com/t/zelle-being-sued/6735/8 "2025-01-07T21:24:13Z")
I use Zelle to pay family, friends and contractors. No matter who it is, I always do a test payment of $0.01. then I ask them if they received it. If they confirm they received the money, then I send them the entire amount. I’ve never had any problems using Zelle. If you want to use other service , Do a test payment. It’s very easy And cheap. Zelle transactions are Free. ---
**Author:** ![mgm](https://avatars.discourse-cdn.com/v4/letter/m/ebca7d/32.png) [@mgm](https://community.clark.com/u/mgm)\ **Post date:** [January 27, 2025, 7:04pm UTC](https://community.clark.com/t/zelle-being-sued/6735/9 "2025-01-27T19:04:27Z")
Instantly transfer money to another person. A check/ACH-push could mean a 16-business day hold at Fidelity. Whatever the time lag, the person you are paying probably wants to be paid today, not in x days. ---
**Author:** ![H200h](https://avatars.discourse-cdn.com/v4/letter/h/e79b87/32.png) [@H200h](https://community.clark.com/u/H200h)\ **Post date:** [January 27, 2025, 11:06pm UTC](https://community.clark.com/t/zelle-being-sued/6735/10 "2025-01-27T23:06:28Z")
I use 2 credit union’s free billpay services for personal and for business payments. No charge and no delay. If the payee doesn’t have an online payment portal a check w/o my account info is sent to them via USPS. No problems, no cost, no personal checks, no big deal. If someone needs instant cash they can come see me in person.