Venmo/Zelle Payment 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 9 months now and the situation isn't improving.

The amount being held/disputed is approximately $25,355. I have tried contacting their legal department 10 times with no resolution.

What's the typical outcome in situations like this?

Licensed attorney — a few thoughts. Here's my take on the legal issues.

Based on what you've described, you likely have a viable claim under Regulation E. The standard is whether a reasonable person would find the conduct an unauthorized electronic fund transfer.

The practical consideration here is cost vs. potential recovery. For disputes under $10K, small claims court is often the best route.

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

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.

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

The biggest mistake people make in this situation is escalating to a supervisor/manager. I'd recommend following the formal complaint procedure instead.

Been there. Here's what I learned.

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.

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.

Been there. Here's what I learned.

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

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.

Been there. Here's what I learned.

I ended up having everything documented, which cost about $3-6 but saved me a lot more in the long run.

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.