投稿時間:2023-11-14 16:06:36 RSSフィード2023-11-14 16:00分まとめ(6件)

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海外TECH Engadget Zelle may refund your money if you were scammed https://www.engadget.com/zelle-may-refund-your-money-if-you-were-scammed-062826335.html?src=rss Zelle recently made a huge change to its policy that would give victims of certain scams the chance to get their money back The payment processor has confirmed to Engadget that it started reimbursing customers for impostor scams such as those perpetrated by bad actors pretending to be banks businesses and government agencies as of June this year Its parent company Early Warning Services LLC said this goes beyond legal requirements nbsp As Reuters noted when it reported Zelle s policy change federal laws can only compel banks to reimburse customers if payments were made without their authorization but not when they made the transfer themselves The payment processor which is run by seven US banks that include Bank of America JP Morgan Chase and Wells Fargo explained that it defines scams as instances wherein a customer made payment but didn t get what they were promised It had anti fraud policy from the time it was launched in but it only started returning money to customers who were scammed possibly due to increasing scrutiny and pressure from authorities nbsp As the operator of Zelle we continuously review and update our operating rules and technology practices to improve the consumer experience and address the dynamic nature of fraud and scams Early Warning Services LLC told Engadget As of June our bank and credit union participants must reimburse consumers for qualifying imposter scams like when nbsp a scammer impersonates a bank to trick a consumer into sending them money with Zelle The change ensures consistency across our network and goes beyond legal requirements Zelle has driven down fraud and scam rates as a result of these prevention and mitigation efforts consistently from to with increasingly more than of Zelle transactions are without any reported fraud or scams it added A series of stories published by The New York Times in put a spotlight on the growing number of scams and fraud schemes on Zelle The publication had interviewed customers who were tricked into sending money to scammers but were denied reimbursement because they had authorized the transactions Senator Elizabeth Warren also conducted an investigation last year and found that fraud and scams jumped more than percent from over million in to a pace exceeding million in In November The Times reported that the seven banks that own Zelle were gearing up for a policy change that will reimburse scam victims nbsp In Zelle s Report a Scam information page users can submit the scammer s details including what they were claiming to be their name website and their phone number They also have to provide the payment ID for the transfer the date it was made and a description of what the transaction was supposed to be about Zelle said it will report the information provided to the recipient s bank or credit union to help prevent others from falling victim to their schemes but it s unclear how Zelle determines whether a scam refund claim is legitimate or not nbsp Zelle s platform changes are long overdue Senator Warren told Reuters The CFPB Consumer Financial Protection Bureau is standing with consumers and I urge the agency to keep the pressure on Zelle to protect consumers from bad actors nbsp This article originally appeared on Engadget at 2023-11-14 06:28:26

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