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Be on the lookout for scams through Zelee. Fraudsters have been impersonating financial institutions to scam users into transferring funds to themselves. Here's how the scam works so you know what to look out for. 

  • Fraudsters send text alerts to users – appearing to come from their financial
    institution – asking the users if they attempted a large dollar Zelle transfer.
  • Fraudsters immediately call the users who respond ‘NO’ by spoofing the FI’s
    phone number and claim to be from the FI’s fraud department.
  • Fraudsters tell the users the Zelle transfers went through, but the funds can be
    recovered.
  • Fraudsters tell the users in order to recover the stolen funds they must use Zelle
    to transfer the funds to themselves using the users’ mobile phone number, but
    before doing so, the fraudsters instruct the users to disable their mobile phone
    number associated with their Zelle account.
  • When the fraudster links the user’s mobile phone number to the fraudster’s Zelle
    account, a 2-factor authentication passcode is generated and sent to validate the
    mobile phone number. The text message containing the passcode is actually sent
    to the user’s mobile phone; however, the fraudster cons the user into providing
    the passcode over the phone. (The text containing the passcode has the FI’s
    name which explains why fraudsters open a fraudulent account at the user’s
    institution.)
  • The fraudster enters the passcode to activate the mobile phone number on their
    Zelle account.
  • Users are instructed to Zelle themselves the funds.
  • The Zelle transfers actually go to the fraudsters.

WestStar does not currently partner with Zelle and we will never ask that you transfer funds to yourself to combat or resolve fraud. If you have a Zelle account you can view completed transactions in the app to verify if you receive one of these messages.