Zelle Fraud: How to Report It and Stop the Money
If you sent money to a scammer through Zelle, or money left your Zelle account without your permission, contact Zelle straight away and ask them to block the receiving account. Wallet money moves fast, so the first minutes matter most.
Do this first
- Call Zelle’s official line below, or use help inside the official Zelle app. Never use a number from a text, a caller or a search result.
- Give them the transaction ID, the amount, the time and the number or account you paid, and ask them to block it.
- Change your PIN and password if anyone may know them. Zelle will never ask for your PIN or a one-time code.
- Report it to the police too: see who handles cybercrime in United States, and keep screenshots of every message and payment.
Official Zelle fraud contacts
Zelle
Instant paymentsApp or online: Zelle has no fraud phone line. Contact the bank or credit union you use Zelle through, right away.
Know this about United States
- A phone call alone does not protect your legal rights on a credit card dispute: also send it in writing within 60 days of the statement.
- Wells Fargo states that neither it nor Zelle offers purchase protection on Zelle payments, for example if an item you paid for never arrives.
- Zelle has no fraud phone line. Report Zelle fraud to your own bank or credit union.
If Zelle won’t help
FBI Internet Crime Complaint Center (IC3)
Report online scams and internet-enabled fraud to the FBI using 'File a Complaint'.
Scammers pretend to be the IC3. The real IC3 never contacts you to ask for information or money, and does not work with law firms or crypto services to recover funds.
Official websiteReport it to the police too
Cybercrime agencies in United States lists who to report to, and our step-by-step guide covers the rest: How to Report Cybercrime in the United States (and Recover Your Money).
These contacts were read on Zelle’s own website on 3 October 2026. If a number has changed, use the one in the official app and tell us. Banks and other providers in United States are in Bank Fraud Help: United States, and every wallet is in Mobile Wallet Fraud Help.