[ryanferg]

Funny story. Someone, let's call him Mr. Unlucky, sent me $1700 via zelle a few months ago. I called my bank and asked them about it and they had no info. About a week later, a guy emails me saying he meant to send the money to his land lord [e-mail] but instead sent it to me, [e-mail]. Both me and this unlucky dude called the banks, called Zelle, etc trying to get the charges reversed. No luck.

So lucky for this unlucky guy, I had been receiving John.D.Doe's email for about a decade on and off. I had sent the guy mistaken emails and sort of had a dialog with him. I knew he was in real estate. I emailed him and he confirmed that this unlucky guy was indeed renting from him, and his rent was this $1700 amount. So I took a leap of faith that this guy hadnt been playing a long con on me and forwarded the money. It was reckless and probably stupid but it wasn't my money and I felt bad for Mr. Unlucky. Zelle was no help, had no protection, and allowed this silly mistake to be made. Mr. Unlucky sent me a nice note and we both commiserated about the flaws in Zelles systems. I don't think I would use them.