Debt Collection Dispute — Zelle payment sent to wrong person

I've been trying to resolve this on my own but I'm stuck.

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

The amount being held/disputed is approximately $2,703. I have tried contacting their legal department 6 times with no resolution.

What are the risks if I pursue this? What's the likely timeline?

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.

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.

Just want to point out — the statute of limitations might be a factor here. In some states it's as short as 1-2 years. Don't sit on this too long.

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

There are several legal theories that could apply here. The strongest is probably the EFTA, which requires showing timely disputed.

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

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

The biggest mistake people make in this situation is hiring an attorney to send the initial letter. I'd recommend being patient with the process instead.

Been there. Here's what I learned.

What worked for me was filing with the appropriate government agency. It took 4-8 months but was worth it.

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

Just want to point out — the statute of limitations might be a factor here. In some states it's as short as 1-2 years. Don't sit on this too long.

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

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

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

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.

Been there. Here's what I learned.

What worked for me was having everything documented. It took 3-6 months but was worth it.

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 attorney general? They sometimes have free resources or mediation services.

I went through almost the exact same thing.

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

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.