this post was submitted on 02 Sep 2025
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And Zelle is rife with fraud.
https://ag.ny.gov/press-release/2025/attorney-general-james-sues-company-behind-zelle-enabling-widespread-fraud
https://bankingjournal.aba.com/2025/09/north-carolina-federal-court-trims-zelle-fraud-class-action-against-bofa/
https://member.texasbankers.com/Magazine/Magazine/Features/2024-11/24-11-The-growing-concerns-of-Zelle-fraud.aspx
https://www.consumerfinance.gov/about-us/newsroom/cfpb-sues-jpmorgan-chase-bank-of-america-and-wells-fargo-for-allowing-fraud-to-fester-on-zelle/
actual fraud or people sending money to someone they should have known better than to send money too?
What’s actual fraud?
a platform that let's someone's unique I'd change and then someone else use that same id
Huh. Why would you think this would be either necessary or sufficient for “real fraud?”
Because in any other scenario, the "fraud" can be attributed to user error? I'm not the guy you're replying to but that's what makes sense.
Can it ?
Is it user error to fall for a bait and switch?
Is it user error if have somebody steals your identity and wrecks your credit?
In the context of the platform used being responsible for the vulnerability, yes. If you fall for a bait and switch, you fell for it. Nobody else. And while identity theft doesn't always involve duping the persom whose identity you're stealing specifically, in the context of this conversation it's also due to user error.