You may not get BTC seller for Zelle/QuickPay. There are 2 reasons: 1. There might have only few users of Zelle/QuickPay. And/or 2. You have 2 active loans.
Understand #1 but why would #2 preclude me from buying Bitcoin... ??
For 2 I am not sure too. It can be applicable only if the payment is reversible. If payment is not reversible then it should not be happened any problem.