背景

在北京时间2022年8月27日的凌晨至晚间的时间,Discover Bank大量封锁部分用户的Zelle功能(20220301之后登记Zelle的),并且没有给出任何的进一步资讯。

此前,Discover Bank开通Zelle我记得需要等60天还是90天还是半年来着,后来取消了。近期确实有很多黑产在收购、使用该银行账户。

同时在调查过程中,发现Chase、Schwab两家银行也有类似的限制行为,可能是近期开始打击Zelle欺诈。

Zelle在美国本质上相当于银联云闪付转账,一去不回的那种,不像ACH转账等方式可以争议(同时一般的ACH转账要求先绑定,WIRE和SWIFT过程又极度繁琐),所以和中国的电信诈骗一样,很容易被用来进行诈骗活动(包括货不对板、收钱跑路等等)。

如果你的账户的Zelle在近期被银行关闭(可能其他银行也会跟进),请不要惊慌,保持良好的账户使用情况。

相关细节

Discover Bank

Important change to the Zelle(R) Transfer Service

DISCOVER

Thank you for being a valued Discover® customer.You are receiving this message because you enrolled in the Zelle®transfer service on or after March 1, 2022. We are writing to let you know that access to the Zelle®transfer service is currently unavailable to you.

What this means for you

Until the service is available again, you will not be able to send or receive money with Zelle®.

If you have attempted to send or receive money with Zelle®recently,the transaction(s) may have been declined.

While Zelle®is unavailable,please take advantage of services such as Online Bill Payment and Mobile Check Deposit to move money.

We sincerely apologize for any inconvenience this may cause.

If you have any questions, please call us at 1-800-347-7000.Our 100% U.S.-based customer service team is available 24 hours a day,7 days a week.

Sincerely,

Discover Bank Customer Service

 

同时无解

Schwab

We’ve deactivated *****  for use with Zelle® because it can’t be used to send or receive money.
We apologize for any inconvenience this may cause you. We appreciate your business.

Sincerely,
Charles Schwab Bank, SSB

Chase

An email address or mobile phone number was deleted from your Chase QuickPay settings

If you didn’t request this contact change or have questions about your Chase QuickPay settings, please call us immediately at 1-877-242-7372 or sign in to chase.com/QP and send a secure message.

Please don’t reply to this email; we’re unable to read or respond to messages sent to this address.