Zelle is a ONE WAY transfer system WITHIN your bank account. So if Zelle is within your bank account that means your bank account was accessed by someone else rather than the owner and money was transferred. Is that Zelles fault? Just like Uber; You get robbed half way to your destination, whos fault is it? Too many people on FB marketplace always want to Zelle me money and then ask me to send them a refund or Zelle me first before showing up to pickup the item i sell. The only way i accept Zelle is FACE TO FACE!