Citibank Observing More Fraud

Just got this from Citibank

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Hi Elliott. We’ve recently seen digital money movement fraud on the rise. A scammer can contact you requesting payment through a Wire Transfer or transfer via Zelle® — these methods allow money to be sent quickly, and the funds are often hard to trace and recover. You should never wire money or send money using Zelle® to: Anyone who claims to be from a government agency Any stranger, no matter what reason they give A telemarketer trying to sell you something Anyone claiming your account is compromised Unauthorized, unverified cryptocurrency sites or salespeople Anyone asking you to send money to yourself

I just got saved by PayPay for $906. euros for something from Spain that was fraudulent thru Reverb.

I just called PayPal to discuss a pre-purchase from a seller in New Zealand, might be fraud. They made a note in my file, said get an invoice for 'goods and services' and you are covered.

False Shipping Info. The purchase in Spain, Reverb's system said 'Not Shipped'. 

When I went to open a dispute with PayPal, there was a full FedEx shipping history, showing shipping from Pennsylvania (the day after I ordered it in Spain), thru FedEx locations, finally 'Delivered-No Signature'. That made me fear I would have to somehow prove to PayPal it wasn't stolen from here. Luckily they covered me without question.