It’s not that you’re completely and totally wrong that makes me mad, it’s that you state everything with such an authoritative tone that people won’t doubt it and will get into a bad situation based on what you’re saying.

> Once you notify your bank or credit union about an unauthorized transaction (that is, a charge or withdrawal you didn’t make or allow), it generally has ten business days to investigate the issue. The bank or credit union must correct an error within one business day after determining that an error has occurred.

[1] https://www.consumerfinance.gov/ask-cfpb/how-do-i-get-my-mon....

> completely and totally wrong

Citation needed.

The U.S. Senate begs to differ.

Consumers defrauded on Zelle are left high and dry by the banks that created it [pdf] (senate.gov)

https://news.ycombinator.com/item?id=37438934

Transactions where you got scammed aren't the same thing as unauthorized transactions.

"Banks are not repaying customers who contest “unauthorized” Zelle payments – potentially violating federal law and CFPB rules."

I suppose you and Senator Warren have different definitions for unauthorized.

So, actually, 47% of them by dollar amount, according to the report you quoted. Selectively quoted. Why do you behave this way?

Here's a question for you to think about: Why do they reverse some claims but not others?

> Why do they reverse some claims but not others?

I guess that is the question. I'll be interested in the bank's reply.

Why is the word "unauthorized" in scare quotes?

And a lot of the complaint is about "cases where customers reported being fraudulently induced into making payments", which would agree with the ancestor comment.

Honestly I don't know. I copied and pasted the text and punctuation from the original document and it put them there. I also didn't do the research. The office of Senator Warren did. You can quibble with them. :)

> You can quibble with them. :)

The scare quotes imply that they are the ones saying the case isn't very strong, so I'm not quibbling with them, I'm trying to interpret them.

I've had multiple family members wait months to sort things out like that. Visa fraud experience is usually immediate, checking/savings accounts not so much.

Yeah.. good luck with that !