Woman owes $3,556 for cruise she already paid for after falling victim to elaborate Zelle scam

A family vacation turned into a five-year nightmare. And it started with one payment.

L. Williams found a cruise consultant online who booked her family a week on Carnival Freedom. Great price. One catch. He only accepted Zelle. She sent $3,556. The family sailed the Western Caribbean. Gorgeous sunsets. Wonderful memories.

Five years later, she tried to book another cruise. Nope.

Carnival told her she was on the Do Not Sail list. Turns out her "consultant" pocketed the Zelle cash...