Zelle sent funds to the wrong person. How can I retrieve the money or dispute the transaction?

First, double-check your Zelle app or bank transaction history to confirm the exact email or phone number used—mistyped contact info is a common cause.

If you spot an error, contact your bank immediately and explain that the payment went to the wrong recipient. They can try to place a trace or send a reversal request.

Zelle does not guarantee refunds for payments sent to the wrong person, but your bank may assist depending on timing and the recipient's response.

Reach out to the unintended recipient (if possible) and politely ask them to reject or return the payment—many banks allow this.

To dispute the transaction formally, request a written investigation or dispute form from your bank, citing an unauthorized or misdirected payment.

You can also contact Zelle directly at [email protected] or call (844) 428-8542, Monday–Friday, 10 AM–10 PM ET.

❗ If your bank doesn’t help or the recipient refuses to return the money, share your story and consider 👉 filing a complaint on Xolvie 👈 to seek further resolution.