1. subject had a bank account with the ability to link to Zelle
2. subject turned on Zelle to receive money from a family member
3. several high dollar Zelle transactions were made - subject claims that they were at home with covid and no one had access to her phone
4. she calls bank to cancel transactions, bank refunds money
5. bank investigates and claims face id and her IP address was used and takes refunds back
6. subject takes bank and zelle to court
7. Zelle says: we are just a middleman - not our responsibility
8. bank claims that it can't investigate where the money went because it was instant transferred
9. banks settles for some of the money
Conclusion? If you have to use Zelle or Venmo, attach it to a bank account with limited funds in it.