Wells Fargo closed my Zelle claim, but the recipient says her bank is waiting on Wells Fargo to recover the $500
I accidentally sent $500 through Zelle to the wrong person. I realized it immediately and contacted Wells Fargo to report it.
The recipient actually responded and has been cooperative. She told me that she contacted her bank and started a process from her end to return the $500. I have written/email proof of her saying this. She also recently told me:
“You will need to open another case in order to accept the funds… it is waiting on you on this end.”
Now I received a letter from Wells Fargo saying my claim was closed unpaid because the transaction was authorized by me. They said:
“An attempt will be made to recover the funds from the transfer however, recovery of the funds cannot be guaranteed.”
The letter also says that if Wells Fargo receives additional information, they can open a new case.
So I’m confused about what happens next.
Does this mean Wells Fargo’s recovery attempt is still pending, or did they completely stop the recovery process when they closed the claim?
If the recipient’s bank really has a return/recovery request waiting for Wells Fargo, what exactly should I ask Wells Fargo to do?
I have the recipient’s written confirmation and can provide it to Wells Fargo.
Any advice from people who have dealt with Wells Fargo/Zelle recovery would be appreciated.