Banks use Zelle to help criminals steal their costumers' money.

Wells Fargo co-owns Zelle, however, it protects the identity of the criminals who are scamming their costumers. Most US banks do the same.

Since there is no responsibility, no costumer protection, and no costumer loyalty, Zelle should not continue to exist, as there are many other forms of more secure payment available.

Millions of people have lost money to scammers, and millions more will continue to do so, unless this evil app is removed from the banks' home page.

The banks are not above the law, nor entitled to protect criminals - and if they are, it is time that we the costumers change that.

Let us protect our hard-earned money, and not let the banks give it away to criminals.

Viorel Verka