Weird mystery about a zelle payment

amother

↑ Butterscotch ↓

Tue, Nov 19 2024, 1:19 am

amother OP wrote:

To clarify.
He told me that his bank is Wells Fargo. He also gave me the case number, so that when I speak to my bank I can give them the case number. But my bank was not interested in the case number. They said it has nothing to do with them.

I hear what everyone is saying, but, other than hoping I will just pay him again, what was he hoping to gain? If his account is locked, it wouldn't even help if I paid him again because it's locked!
Meaning, once he saw that I wasn't jumping in to send him more money, why would he keep talking about the locked account?

Because next step is saying send to another account or give me your bank info.. he’s working his way up. It’s literally a textbook scam.

amother

↑ Mulberry ↓

Tue, Nov 19 2024, 1:20 am

amother OP wrote:

Exactly.
Text them.
“I am so sorry your account was locked but I didn’t make any claim. I have called my bank twice to confirm and they did but unfortunately they can’t help unlock your account and it is your banks responsibility to do that: you probably need to speak to a supervisor at your bank. Good luck”

amother

↑ OP ↓

Tue, Nov 19 2024, 1:20 am

amother Butterscotch wrote:

Literally all over my zelle account it says never do things like this.. banks always warn never do this.. you aren’t understanding this common scam. Banks have way of confirming whatever they want. They don’t use conferences and have people on calls to do it. I really hope you get educated on scams because you just don’t get it at all.

Please explain to me how this is a common scam. What is the scammer gaining here?

amother

↑ Mulberry ↓

Tue, Nov 19 2024, 1:22 am

amother Pear wrote:

I don't get why everyone is jumping to say it's a scam. Nothing that I read sounds like a scam. Sounds like his bank account got locked and he is trying to resolve. Sounds like lots of people in the neighborhood use him and no one was scammed. I don't think it will be worth it for him to scam her and lose all his clients in that neighborhood. I don't think it's a scam.

Exactly. At least someone agrees with me. 😃
She should definitely be careful with the next step and shouldn’t be naive. But right now it seems innocent.

amother

↑ Butterscotch ↓

Tue, Nov 19 2024, 1:24 am

amother OP wrote:

Please explain to me how this is a common scam. What is the scammer gaining here?

He’s going to get you to send money or account info. Probably account info, give me all your details so I can tell my bank to unlock it. Or send you a code trying to break in..

amother

↑ Butterscotch ↓

Tue, Nov 19 2024, 1:24 am

amother Mulberry wrote:

Exactly. At least someone agrees with me. 😃
She should definitely be careful with the next step and shouldn’t be naive. But right now it seems innocent.

I’m sure all the people who fall for scams agree with you. It’s why scammers are successful. Many people are naive and can’t see red flags if it hit them in their face.

amother

↑ OP ↓

Tue, Nov 19 2024, 1:26 am

amother Butterscotch wrote:

Because next step is saying send to another account or give me your bank info.. he’s working his way up. It’s literally a textbook scam.

Ok. He hasn't asked me for any info yet. He only said his account was locked and asked for help unlocking it. Amd I was the one who offered to meet at the bank, not him.

Have you seen this scam anywhere? I always try to Google scams if I think something is a scam but I haven't seen this one anywhere.

amother

↑ Mulberry ↓

Tue, Nov 19 2024, 1:27 am

amother Butterscotch wrote:

He’s going to get you to send money or account info. Probably account info, give me all your details so I can tell my bank to unlock it. Or send you a code trying to break in..

The only thing I can see him do is ask for more money. The rest is usually from professional scamming companies that call over the phone not neighborhood power washing companies.
Again op shouldn’t be naive and should know not send more money or give out info. But no need to call the police yet or threaten anyone. Can sympathize and say sorry I can’t help.

amother

↑ OP ↓

Tue, Nov 19 2024, 1:35 am

Question.
If I call Wells Fargo (from a number online) and give them the case number- is there any harm in that?
If I don't give any info?

amother

↑ Mulberry ↓

Tue, Nov 19 2024, 1:35 am

amother Mulberry wrote:

I am not insisting it’s. It a scam. I am saying I don’t see anything yet that screams scam. I see someone who got locked out of their account that doesn’t know how to to deal with the banking system.
I am not telling anyone to send anyone money..
Another thing that might have caused this lockdown is the person using the person account for business (not sure if this would case it.. but maybe)
Again not ops fault

Maybe my theory about using a personal account for business transactions is right

amother

↑ Mulberry ↓

Tue, Nov 19 2024, 1:36 am

amother OP wrote:

Question.
If I call Wells Fargo (from a number online) and give them the case number- is there any harm in that?
If I don't give any info?

I don’t think they are allowed to talk to you. If you don’t verify your account. Maybe you can call Wells Fargo and conference them on. This way you know forsure it’s wells fargo

amother

↑ Mulberry ↓

Tue, Nov 19 2024, 1:37 am

amother Mulberry wrote:

I don’t think they are allowed to talk to you. If you don’t verify your account. Maybe you can call Wells Fargo and conference them on. This way you know forsure it’s wells fargo

But I’m not sure how that will help you besides for confirming it’s not a scam.. but still nothing really you can do. Just confirm over the phone you sent the money. Make sure not to give any personal info if you do

amother

↑ OP ↓

Tue, Nov 19 2024, 1:39 am

amother Mulberry wrote:

https://www.reddit.com/r/Banking/comments/1eloll4/is_in_common_for_a_bank_to_lockdown_your_account/?rdt=47498

Oh wow. This is very interesting.

amother

↑ Mulberry ↓

Tue, Nov 19 2024, 1:42 am

amother OP wrote:

Oh wow. This is very interesting.

Took your idea of googling if it is scam… and did reverse.
Again.. don’t send more money or give any info or codes…

amother

↑ Mulberry ↓

Tue, Nov 19 2024, 1:44 am

amother Chestnut wrote:

Please don't give any personal information, and do not meet up with him. Stay safe Ima!

Agreed. I wouldn’t meet up. If you can and want over the phone with no personal info. Otherwise remember it’s not your fault. You can sympathize and that’s it… it’s really his issue to deal with his bank,

amother

↑ OP ↓

Tue, Nov 19 2024, 1:47 am

amother Mulberry wrote:

Took your idea of googling if it is scam… and did reverse.
Again.. don’t send more money or give any info or codes…

Thanks. I don't plan on giving any info (nor did he ask). But this proves that it could happen.

The only difference between my story and the one in this reddit is that my guy claims that the bank told him that I called my bank this past Friday to declare the fraud.
In the reddit story, the bank closed the account because they flagged it on their own.

amother

↑ OP ↓

Tue, Nov 19 2024, 1:55 am

Fwiw, I just looked up this pressure wash company on google.
It is a legit company, with only 5 star reviews.
(When I hired him, I didn’t bother checking because I just went with my friend's recommendation.)

amother

↑ Mulberry ↓

Tue, Nov 19 2024, 1:55 am

amother OP wrote:

Thanks. I don't plan on giving any info (nor did he ask). But this proves that it could happen.

The only difference between my story and the one in this reddit is that my guy claims that the bank told him that I called my bank this past Friday to declare the fraud.
I'm the reddit story, the bank closed the account because they flagged it on their own.

Could be the bank told him that this transaction was marked as fraudulent/suspicous and he thinks you called in to claim it but it was flagged. Or it could be a totally different reason…