Exactly what title says, why is there no way to recoup zelle definitely or wire transfer(maybe?) but if banks send money to wrong person there are severe penalties for not returning.
It’s why I don’t use Zelle. Someone Venmo’ed me money she owed me, but she just grabbed the first name that matched my name. Fortunately Venmo has a phone number matching entry and the money wasn’t sent. Zelle seems way too easy to make a mistake on…
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