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youre going to receive a text asking if you authorize it text back yes and you will have the money refunded into your account have you heard of this zell money scam you really need to be aware of this whether you have zell or not because this fraud works the same across many platforms a scam so simple its ingenious im also going to show you how to protect yourself and your money a lot of banks integrate zeo into their online banking platform as a peer-to-peer money transferring service so even though you dont use zeo you might have an account and dont even know it thats what these scammers like to take advantage of what these guys are doing is sending a mass text message casting a white net to see if anybody responds the text will read something like fraud detected did you attempt to make a zell payment in the amount of x and it looks like its coming from your bank because there might be a lot of extras in the text like a fraud code or big legal words then its going to ask you