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.
What's the typical outcome in situations like this?
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 ngl.
Following this thread — Commenting so I can find this later. Very relevant to my situation.
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.
Important: Zelle payments are treated like cash once sent. The bank has no obligation to reverse a payment you authorized, even if sent to the wrong person.
However, the recipient must return funds sent in error under the doctrine of unjust enrichment. I recovered $4,200 through small claims court this way.
Important clarification on arbitration: if your contract has a mandatory arbitration clause, you generally CAN'T sue in court. But here's the thing — filing for arbitration is often MORE intimidating to companies because they have to pay the arbitration fees (often $3,000-5,000 for the company's share). Use this to your advantage.