How do I dispute a Zelle transaction?

Disputing a Zelle transaction can be a straightforward process, but it is important to note that Zelle does not offer buyer protection or a dispute resolution system like some other payment services. If you believe you have made an unauthorized transaction or there has been a mistake, there are specific steps to take. First, the user should check with their bank or credit union, as Zelle transactions are often initiated through their financial institution's app or website. Many banks provide their own customer service channels for handling disputes related to payments made using Zelle. Users should also review the transaction details for any error or misunderstanding. If the transaction was acknowledged by both parties and the sender and receiver are aware of the payment, if the sender believes they have been defrauded or the payment was sent in error, they may need to contact their bank directly for guidance. This is where banks can assist with handling the situation more effectively. For specific steps or additional details, users might consider looking directly on the current Zelle web page or their financial institution's website for contact information.