Based on the information gathered from Zelle's official support page and the Federal Trade Commission, here is how to file a report for a scam on Zelle: ### **1. Immediate Action: Contact Your Bank or Credit Union** If you are enrolled in Zelle through your bank or credit union, **you must report the transaction directly to your financial institution first**. This is the primary step for both scams and fraud. ### **2. Distinguish Between Scam and Fraud** * **Scam:** You knowingly sent money but did not receive what was expected (e.g., you were tricked into sending money for a product/service that was never delivered). **Note:** Certain impostor scams may qualify for reimbursement. * **Fraud:** Someone gained unauthorized access to your bank account and made a Zelle payment without your permission. These unauthorized transactions typically qualify for reimbursement. ### **3. Report to Zelle** You can also report scams and fraud directly to Zelle: * **Phone:** Call 1-844-428-8542 (Open 8am-10pm ET, 7 days a week, excluding major holidays). * **Online:** Visit the [Report a Scam page on Zelle's website](https://www.zelle.com/support/report-scam). ### **4. Report to Federal Agencies** You may also report scams and identity theft to: * **Federal Trade Commission (FTC):** File a report at [ReportFraud.ftc.gov](https://reportfraud.ftc.gov). You can select Zelle as the organization when filing. * **Internet Crime Complaint Center (IC3):** File a complaint at [www.ic3.gov](https://www.ic3.gov). ### **Summary of Steps:** 1. **Contact your bank/credit union immediately.** 2. **Report to Zelle** via phone or their online form. 3. **File a report with the FTC** at ReportFraud.ftc.gov. 4. **File a complaint with IC3** at www.ic3.gov. **Note:** The specific reimbursement eligibility depends on whether the transaction was authorized (scam) or unauthorized (fraud), and is subject to your bank's policies and applicable regulations.