So, as the title says, last night, I received 500$ posted into my bank via Zelle. I immediately called both PNC and Zelle this morning, frantic someone had hacked into my account and I was about to become a victim of a scam (I’m aware it was a deposit to my account and NOT a withdrawal, but still).
They calmed me and said my bank information was not stolen nor am I at any fault. If I felt better, I could dispute this and get reissued a new bank card. I asked if they could simply reverse the transaction in which Zelle said no and PNC said I could dispute it. Both had warned me while the money is legitimate, I could be part of a scam in which money is sent to my account “by accident” and then I receive a text or phone call from the sender for the money back via Zelle in which they could get my bank information that way.
I asked for my rights and they let me know I’m at no fault, to never accept someone asking for the money back and to guide them to speak with their bank, and even then, I am not obligated to send money back.
Fast forward to 20 minutes ago. Two different numbers reached out to me regarding the money. One number with my area code claimed their female friend got the number off by 1 digit and the other had a NY area code said HE needed that money to pay his rent.
I’m going to type both of them a message I feel uncomfortable returning money through a third party app and will politely request they dispute with their bank or credit union. Did I do everything correctly? Am I being too paranoid about this whole thing? Any other steps I should be taking to protect myself?
Please let me know!
Submitted August 09, 2020 at 07:27PM by Magnafeana https://ift.tt/33JpDgU
