The Consumer Financial Protection Bureau (CFPB) has sued the operator of Zelle—as well as Bank of America, JPMorgan Chase, and Wells Fargo—for failing to protect consumers on the peer-to-peer payment network.

The government agency sued Zelle’s operating company and four of its partner banks (JPMorgan Chase, Bank Of America and Wells Fargo). The CFPB says the service hasn’t done enough to protect consumers from fraud.

The agency said they will seek cash damages to repay consumer losses over fraudulent activity. It claims that customers at the banks lost more than $870 million to fraud since Zelle's inception.