The Great Zelle Pool Scam - All I wanted was a status symbol. What I got was a $31,000 lesson in the downside of payment apps.

I was trying to reach Gary Kruglitz, the proprietor of Royal Palace Pools and Spas. Gary cuts a certain figure. Just a hair over 6 feet tall, wears a mustache, square wire-rimmed bifocal glasses, thin short-sleeved dress shirts through which it is occasionally possible to glimpse just the hint of nipple when the lighting is right. He has an unusually high voice for a man his size, as if a Muppet crawled down his throat one night and couldn't get out again. I wouldn't say Gary is perplexed by this modern world we find ourselves living in as much as he might not be aware it exists. Sometimes when you talk to him, he'll look up from his papers, turn in your direction, and blink, like a bird that has heard something in the underbrush.

Gary — I changed his name so I could be as honest about him and his nipples as possible — spends his days working out of his pool warehouse, in an office covered desk-to-credenza in product manuals and spa brochures and invoices produced in gold-, pink-, and white-triplicate. A man trapped in the amber of another era, the type of guy who answers his phone yellllow and says bye now when he hangs up. But at this moment, Gary was not answering his phone at all. And I was desperate to reach him, because my wife and I had paid him a deposit of $31,500 to build us a pool, and he had apparently disappeared off the face of the earth.

Archive link: https://archive.ph/L3XFo