This article hit home for me, because we were the victims of a Zelle-fueled sting last month: losing $999 to a telephone scamster. By way of vague “rationale”; Mrs. Jay (who was the actual target), had gotten some weird emails earlier purporting to be from Amazon, “confirming” delivery of items she had never ordered. I took care of it as usual, calling Amazon Customer Service, and forwarding them the copies of the emails (nothing like any real communications), and thought it was done. So when we got a phone message claiming to be from “Amazon Fraud Department” supposedly relating to more questionable charges, I wasn’t as suspicious as I might have been (and usually am). Long story short: I was induced to set up Zelle and make a transfer before I caught on. And, as in the examples the NYT provides, our bank (BofA/US Trust) “investigated” the matter, and sent me a letter refusing to do anything, as I had (ostensible) done everything properly, myself. Live and learn, I guess…