A government agency is investigating after a series of scams on payment apps like Zelle.NurPhoto/Getty ImagesFederal authorities are investigating how banks reimburse consumers who are scammed on Zelle.Lawmakers say the banks behind payment apps need to offer more protections.Zelle says it should fall on law enforcement to stop the scammers.Scams on payment apps like Zelle are getting so out of hand that federal authorities are starting to investigate.This week, the Consumer Financial Protection Bureau launched an investigation into JP Morgan, Bank of America, and Wells Fargo — all part owners of Zelle — after Sen.