Concerns over Zelle scams have escalated among lawmakers and consumers, particularly regarding insufficient consumer protections on the platform. Reports indicate a significant increase in scams using the names of local government and law enforcement agencies. A recent investigation revealed alarming statistics about fraud at major banks using Zelle. In 2020, JPMorgan Chase reimbursed only 3 out of 41,390 scam disputes, while Wells Fargo did not reimburse any of the 25,061 filed disputes. These figures highlight the challenges consumers face in recovering funds lost to fraud on the Zelle network, raising questions about the effectiveness of existing consumer protections.