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Fraud Is Flourishing on Zelle. The Banks Say It’s Not Their Problem.

Zelle, the payments platform used by millions of customers, is a popular target of scammers. But banks have been reluctant to make fraud victims whole — despite owning the system.

“Organized crime is rampant. A couple years ago, we were just starting to talk about it on apps like Zelle and Venmo. Now, it’s common and everywhere.”