Users of the legitimate financial app called Zelle are being defrauded by scammers. We will detail exactly how this scam works and what consumers can do if they fall prey to this scam. There are important actions that consumers need to take immediately in order to have any chance of recovering any funds lost as part of a Zelle scam. Unfortunately many banks are declining to reimburse Zelle scam victims because of certain actions or inactions the consumer has taken. We will assist viewers in how-not-to-be victimized by a Zelle scammer, but how to fight with banks or other financial institutions that refuse to reimburse any losses.