Bank sends wrong person $ and it immediately has to be returned or charged will be filed. If I Zelle the wrong person, I am straight SOL. Why the difference?

Question

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.

In: 650

Answer 1

Because it’s their business and they make the rules.

You go to 7-11 and get 11 packs of gum, the cashier only rings you up for 10, they then notice after completing it on their register that it was 11. The cashier has every right to require you to pay for that extra pack.