I have heard this exact same sequence of events now from two coworkers, a friend and one family member we well. Apparently these banks actively promote the Zell

I have heard this exact same sequence of events now from two coworkers, a friend and one family member we well. Apparently these banks actively promote the Zelle service within their mobile apps, the usage of which then triggers the banks own fraud departments against the customer for using them. And as you mentioned the net result is hours of lost time which of course is not compensated for in any way.