Just to be clear, Zelle's irrevocability doesn't legitimize criminal acts or fraud. It just means your bank won't help you untangle the mess. It's rare that a

Just to be clear, Zelle's irrevocability doesn't legitimize criminal acts or fraud. It just means your bank won't help you untangle the mess. It's rare that a lawsuit against a fraudster or thief goes anywhere, but depending on the amount lost, it can be worth it to obtain a default judgment, which can typically be collected for 10 years. If you can identify the person or entity that took your money, they might eventually have enough assets for you to collect.