this seems to be the scammer’s new defense. The Zelle/Chime/Robinhood scammers are trying to claim they are a legitimate 3rd party service - oh, and they claim that they are being extorted for gift cards - no evidence of course.
Using logos or stylized word-marks of a company’s registered trademark while posing as support for said companies, WITHOUT AN EXPRESS LICENSE, is deceptive and trademark infringement. The use of logos or stylized word marks is NOT covered under fair use, they would need a license from Microsoft, which I’m sure they’ll provide momentarily . . . (Zelle spells this out specifically on their website, I’m sure so to does Microsoft)