What This Scam Is
This scam involves criminals impersonating banks or fraud departments to trick victims into sending money through Zelle.
How the Scam Works
Scammers contact victims by phone, text, or email claiming there is suspicious activity on their account. They create urgency and instruct the victim to send money to “secure” their funds, which actually sends money directly to the scammer.
Warning Signs
- Urgent requests to act immediately
- Requests to send money through Zelle or similar apps
- Caller claims to be from your bank but asks for sensitive information
- Pressure to not contact your bank directly
Who Is Being Targeted
Bank customers, especially older adults or individuals unfamiliar with digital payment scams.
How To Protect Yourself
- Never send money to “protect” your account
- Contact your bank using the official number on your card
- Do not trust caller ID alone
- Take time to verify before acting
What To Do If You Already Responded
- Contact your bank immediately
- Report the transaction
- Monitor your accounts for suspicious activity
- Change your passwords
How To Report It
Report the scam to:
- FTC: https://reportfraud.ftc.gov
- FBI IC3: https://www.ic3.gov