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None. I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite being a frequent Zelle user and reporting discrepancies, my financial institution and Zelle failed to investigate my claims thoroughly. I was informed that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings reveal that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users increasingly vulnerable to scams. This lack of responsibility, transparency, and accountability is deeply troubling and raises serious concerns about consumer safety. It is imperative that Zelle t