This week on the perfect scam.

She's feeling defeated, hopeless.

She's feeling all of these things because this is a single black woman starting a business off the ground with very little backup funds and has managed to scrape together enough to actually start her business and now a bulk of that is gone.

If you have that sick feeling inside that something's not right, follow your intuition. Nine chances out of ten, it's telling you something's wrong.

Welcome back to the perfect scam. I'm your host Bob Sullivan.

Last week we told you about Laura Daniels Ball and her lifelong dream to open Laura's kitchen.

And right as she's about to launch her cookie company,

a criminal has drained her bank account using Zell,

draining the small business loan funds she needs to launch.

With P2P apps like Zell, the transactions are nearly instant,

so when the money is gone, it's gone.

Banks have warnings about this on, it's gone.

Banks have warnings about this on their websites,

but it's confusing for many consumers

who are used to the kinds of consumer protections

they enjoy with credit cards.

With P2P, you often can't just call the bank, dispute a charge and get your money back.

That's one of the reasons criminals have flocked to P to P to P.

And that's what happened to Laura.

When she had $18,500 stolen from her account,

she called her bank, Bank of America,

thinking they'd allow her to dispute the transactions involved

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