Risk Level: High
Zelle Scams: on Auction Sites, Like eBay, fake marketplace listings, and overpayment scams
Zelle scams involve tricking users into authorizing instant, irreversible transfers, often by impersonating banks, sellers, or employers. Common tactics include: "pay yourself" fraud alerts, fake marketplace listings, and over payment scams.
Either the product you ordered and pay for using Zelle is never delivered or the seller lies about some other aspect of the transaction.
Because the money is sent willingly, it is difficult to recover. Once it leaves your Zelle account, it is gone and irretrievable. So, obviously, immediately contact your bank if believe your were scammed. Contact Zelle support. Contact the Federal Trade Commission and local law enforcement.