Chargeback Dispute — Zelle payment sent to wrong person

Has anyone dealt with something like this? I'm not sure what my options are.

Zelle payment sent to wrong person. I've been dealing with this for about 5 months now and the situation isn't improving.

The amount being held/disputed is approximately $19,428. I have tried contacting their legal department 7 times with no resolution.

What's the typical outcome in situations like this?

I had a similar issue and ended up consulting with an attorney. It was worth the $200-300 for the initial consultation just to understand my rights.

This happened to me too. Have you tried filing a complaint with the relevant agency? In my case they investigated and it got resolved without needing a lawyer.

I've handled similar cases. Here's my take on the legal issues.

Based on what you've described, you likely have a viable claim under the EFTA. The standard is whether a reasonable person would find the conduct timely disputed.

I'd recommend documenting everything in writing from this point forward. Keep copies of all communications.

Following this thread — I'm in a very similar situation. Would love to hear how it turns out.

Not a lawyer, but I have direct experience with this.

The biggest mistake people make in this situation is having everything documented. I'd recommend keeping a detailed timeline instead.

I've dealt with this before.

What worked for me was hiring an attorney to send the initial letter. It took 2-4 months but was worth it.

Following this thread — I'm in a very similar situation. Would love to hear how it turns out.

This happened to me too. Have you tried filing a complaint with the relevant agency? In my case they investigated and it got resolved without needing a lawyer.

I work in this industry and unfortunately this is very common. The good news is that when people actually push back with legal representation, companies usually settle.

Following this thread — I'm in a very similar situation. Would love to hear how it turns out.

I had a similar issue and ended up consulting with an attorney. It was worth the $200-300 for the initial consultation just to understand my rights.

Have you tried reaching out to your state's consumer protection office? They sometimes have free resources or mediation services.

I work in this industry and unfortunately this is very common. The good news is that when people actually push back with legal representation, companies usually settle.

I've seen this play out several times in my field.

In my case, it took about 4-8 months to resolve. The key was filing with the appropriate government agency.

NAL, but from what I've read, you should document everything. That said, definitely get a lawyer to look at the specifics.

This happened to me too. Have you tried filing a complaint with the relevant agency? In my case they investigated and it got resolved without needing a lawyer.

I've dealt with this before.

What worked for me was escalating to a supervisor/manager. It took 1-3 months but was worth it.

I've dealt with this before.

What worked for me was escalating to a supervisor/manager. It took 1-3 months but was worth it.

This happened to me too. Have you tried filing a complaint with the relevant agency? In my case they investigated and it got resolved without needing a lawyer.

I've dealt with this before.

I ended up escalating to a supervisor/manager, which cost about $1-3 but saved me a lot more in the long run.

Been there. Here's what I learned.

I ended up escalating to a supervisor/manager, which cost about $1-3 but saved me a lot more in the long run.