For those of you who use Zelle, I just had a similar experience to the original poster, with my friend. Selling a horse saddle, the buyer sent more $ than the price of the saddle plus ground shipping quote. Friend (Seller) got e-mail from Zelle that she was required to ship saddle overnight, which is about $500 more than quoted for ground shipping, and provide confirmation of shipment with tracking number by e-mail to Zelle. The whole thing was “pending” by Zelle and did not show up in my friend’s Zelle account as “pending” or otherwise. Seller sent text to Buyer not agreeing to the terms, cancelled her Zelle account and deleted the app. Friend’s Zelle account is brand new, and her bank is not participating, so everything is connected to her debit card, which would actually delay things a day or so even after the shipping confirmation goes through Zelle. So, I’m thinking that the scam is about the refund to the Buyer after the terms are refused while the $ is “pending”. If my friend was talked into refunding the money, or “talked through” how to do it, the real money would come out of her account to the Buyer’s Zelle account, and then without confirmation of shipping the original transaction would bounce back to the Buyer (because it is hung up both from the debit card and the shipping confirmation) after 14 days. We think she dodged a bullet by not acting on the shipping and by removing her account, since Zelle has a default of returning funds if the recipient has no Zelle account registered. Thoughts?