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What Is a Zelle Scam? Scammers convince trusting victims to send them money via Zelle by telling lies about something the victim wants or a situation they hope to resolve. Their make-believe stories sound realistic, but they are pure fantasy. Each tactic typically involves an emotional element and a nugget of truth. For example: Fear Unexpected in-app cash requests from someone you've given money to before. Scammers might have access to your phone's contact list and may pretend to be someone you know. Refuse to send money to anyone you've never met in person. If you suspect a Zelle scam, report it to the financial institution associated with the debit or credit card used for the transaction. Call Federal members can use the form at the bottom of our Identity Theft Prevention page to get this process started. You can also file a complaint with the Federal Trade Commission at ReportFraud.ftc.gov.