CAT: Credit Cards · REPORTED September 15, 2026

Zelle/Wells Fargo Impostor scam

A credit cards scam report, targeting a consumer in Cortez, CO, USA - 81321.

Narrative evidence

What happened

Caller first identified itself as Wells Fargo Bank, then when I said I had no accounts at Wells Fargo, they said they were handling fraudulent transactions through the Zelle app, which most big banks use. They said someone in Bronx, NY, used my phone number and Zelle account to send 2 transactions to the Dominican Republic, one for $2000 and one for $3000. In order to cancel and reverse these transactions and protect the money in my account, I had to download Western Union app, Paypal app, Xoom app, and start accounts (which I didn't have) with these apps and connect my bank accounts through Plaid and then make make a series of money transfers to their "agents" in DR to envelop and protect the amounts and reverse the paper trail of the fraudulent transactions. I stupidly went along with all this for 3 hours on the phone, and 3 different "agents." And not until we hung up because all the apps were not interconnecting and all the 6 transactions they had me attempt were pending, did I realize how stupid and ridiculous this whole endeavor was. I hadn't received any fraud alerts from my bank and I could see no pending fraudulent transactions in my accounts, so there was no reason to even speak with these people in the first place. I immediately called the fraud line at my bank, and a rep froze all my accounts and the debit card and explained I should get my phone checked for malware, file a police report, and probably close the targeted accounts and open new checking and savings.

Community warning

How to protect yourself from credit cards scams

  • Never send money, gift cards or crypto to anyone you have not independently verified.
  • Search the business name, website, email and phone number here before paying.
  • Be wary of urgency, secrecy, upfront fees and “too good to be true” prices.
  • If you have paid, contact your bank or card issuer immediately to dispute the charge.
  • Report to Action Fraud (UK), the FTC (US) or your national authority, and add your occurrence above.

Community comments (0)

Have you dealt with this business? Share what you know to help others.

  • No comments yet. Be the first to add context to this report.

More credit cards scams

View category

Seen something suspicious?

REPORT A SCAM

scam-i.uk

A free, public scam intelligence database. Search, browse and report fraud to protect others.

Disclaimer: scam-i.uk is an informational resource that aggregates and republishes user-submitted and publicly available scam reports. Reports reflect the personal experiences and opinions of the individuals who submitted them and have not been independently verified by scam-i.uk. Inclusion of a business, website, email address, phone number or individual in this database does not constitute an accusation, finding or determination of wrongdoing by scam-i.uk. Nothing on this site is legal, financial or professional advice. If you believe you are the victim of fraud, contact your bank, local police and the relevant national reporting body (e.g. Action Fraud in the UK or the FTC in the US). See our full Disclaimer, Terms of Service and Privacy Policy.

© 2026 scam-i.uk · All rights reserved