Free money from Zelle or Cash App—just for filling out a government form? That’s what some TikTok videos claim. But Consumer Reports has a warning: it’s not a windfall—it’s simply not true.

Victims of scams on peer-to-peer payment platforms, like Zelle or Cash App, may try anything to get their money back. Enter Daraine Delevante and Gilbert Graim Jr., two social media influencers who have racked up millions of views, incorrectly claiming that filing a complaint with the Consumer Financial Protection Bureau will get you a payout from these companies, even claiming you can be compensated even if you weren't a scam victim.

They make it sound easy: even offering complaint templates for $77 and things like a credit repair guide for $24.99.

Consumer Reports Investigative Reporter, Derek Krav

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