Early Warning Services

Dear Ms [redacted] ,This letter is in response to your follcomplaint submitted to the Revdex.com on April 24, 2017.Based on the additional information you provided in your complaint (about Bank of America), we are initiating the dispute process for youIf you have additional documentation to support your dispute, please send it to us using one of the below methods and we will append it to your disputeUnder the Fair Credit Reporting Act, Early Warning and Bank of America have thirty (30) days to complete the reinvestigationYou will be notified in writing of the outcome of the dispute upon completion.* Electronically through our secure communication portal [redacted] * By fax [redacted] * By mail Early Warning Attn: Consumer Services [redacted] If you have any additional questions or concerns, we encourage you to contact us by phone at [redacted] between the hours of 8am and 5pm PST, Monday through FridayOur consumer services representatives are available to assist you

Dear Ms [redacted] ,This letter is in response to your Revdex.com complaint, received on May 4, 2017.In your complaint, you stated there is unauthorized/information on your Early Warning consumer report and that you need the negative/information removedEarly Warning supports consumers' rights to dispute and correct inaccurate or incomplete information furnished to us in accordance with the Fair Credit Reporting ActYou may submit a written dispute, identifying the records you believe are inaccurate or incomplete, by using any of the below channelsWe do not charge a fee for investigating disputed informationTo avoid any delays in processing your dispute, you may find our dispute checklist helpful, https:// [redacted] .You may also request your free consumer report, by completing our Identification Form (https:// [redacted] ) or contacting us at [redacted] for more information[redacted] Electronically through our secure communication portal: [redacted] By fax: [redacted] By mail: Early Warning, Attn: Consumer Services, [redacted] ***If you have any additional questions or concerns, we encourage you to contact us by phone at [redacted] between the hours of 8am and 5pm PST, Monday through FridayOur consumer services representatives are available to assist you

Dear *** [redacted] ,Thank you for contacting ***. We are committed to providing a convenient and positive experience throughout this process. This letter is in response to your BBB complaint, received on October 13th, 2017.In your complaint, you stated that you attempted to enroll with Zelle,... but were unable to due to a phone number conflict. You stated that you contacted [redacted] Support via phone and you were not provided satisfactory assistance for the issue. Based on the information you provided in your complaint, it does not appear we have any information in our system that would cause the conflict with your phone number that you experienced. At this time we recommend contacting your bank’s customer support team to ensure that the information you are entering during enrollment matches exactly to the information your bank has on file. If the information is incorrect with your bank, this can cause the conflict that you are experiencing. If you have further questions or concerns, please feel free to contact us directly. Thank you, [redacted] SupportCall us toll-free at [redacted] . We are open seven days a week from 8 am to midnight Eastern Time, excluding federal holidays. If you are calling from outside the United States, please call us at [redacted] from 8 am to midnight Eastern Time on Monday through Sunday.

We are in receipt of Ms. ***’s concerns dated December 15, 2016. We apologize for any delay in processing her request. Early Warning Services is a consumer reporting agency that houses a national database of information financial institutions may inquire into to assist in making a decision for... deposit account privileges. Both positive and negative account records are contributed to our database. Early Warning Services only supplies information and ultimately the financial institution makes the decision to conduct business with a consumer. Upon review of Ms. ***’s issue, we opened a reinvestigation with US Bank under the Fair Credit Reporting Act. Her dispute and all supporting documentation was forwarded to the bank on December 15, 2016. The reinvestigation must be closed within 30 calendar days; requiring US Bank to complete their investigation and Early Warning Service to complete ours upon receipt of documentation from the bank. It is due to be completed on or before January 13, 2017. We will communicate the outcome of the reinvestigation in writing to Ms. [redacted] at the address provided in her correspondence. If you have any additional questions, please feel free to contact us at [redacted] . Tell us why here...

*** *** dispute of the contributed data has been received and processed. The outcome of the reinvestigation will be communicated to him before the end of the day period beginning on the day we received his dispute

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
*** *** contacted early warnings about why the funds were not released, early warning told them that they did not receive the funds and this was after three business daysThe check was from *** *** and the funds were sent to early warning next day (1) business dayEarly warning was negligent in reporting the funds
Regards,
*** ***

Dear *** ***, This letter is in response to your Revdex.com complaint, received on August 5th, In your complaint, you stated that because Early Warning is not able to provide the requested account documentation, that the negative reporting by Bank of America should be removed In accordance with the Fair Credit Reporting Act, Early Warning supplied a copy of your free consumer report, upon your request, on May 12th, The Bank of America record in question has been reinvestigated twice (May 25th, and June 2nd, 2017)Bank of America verified the accuracy of the record on both occasions You were advised on June 19th, July 11th and July 27th to contact Bank of America directly for the documents you are seekingEarly Warning does not maintain or have access to account documentsEarly Warning’s database has checking and savings account history and activity, as disclosed on your consumer reportIn all responses, Bank of America contact information has been provided so that you may obtain copies of account documents from themFor your convenience, it has been included belowYou will need to contact Bank of America for any and all account documentation *** ** ***
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*** Also, as previously advised, if the previously completed reinvestigation did not resolve your dispute, you may file a brief statement, with Early Warning, setting forth the nature of your dispute and your statement will be provided with future consumer reports about youFor assistance with filing a statement of dispute, please call us at the number belowIf you have any additional questions or concerns, we encourage you to contact us by phone at *** between the hours of 8am and 5pm MST, Monday through FridayOur consumer services representatives are available to assist you. Sincerely, Consumer Services

The delay in providing a disclosure to Ms*** was necessitated by research relating to the accuracy of a contribution made to Early Warning. During the research period, Early Warning attempted to contact Ms*** to clarify the information reported. The research has been completed and
the files of Early Warning have been corrected. Ms*** was contacted by telephone on October 1, 2015, and informed of the outcome of our research. The remaining information contained in Ms***’s file had been generated and sent by U.Smail to her on October 2,

The consumer’s issue has been addressed by responses tocomplaints submitted through the *** *** *** *** on July12, and September 30, A copy of the consumer’s current file was provided by e-mailon September 30, 2014. Attached is acopy of the consumer’s response
indicating receipt of the report and astatement that the report will be reviewed for accuracy. Early Warning has not had any communicationfrom the consumer during the period September 30, through December 3,2014.The *** *** *** *** *** *** and the*** *** *** *** previously submitted by the consumer donot relate to or name the contributed information currently reported in hisfile. Based on the complaint comments, thecurrently contributed information is being reviewed by Early Warning and thefurnisher. The results of the reviewwill be communicated to the consumer when available.As requested in the consumer’s complaint, an additional copyof his file has been e-mailed to him without charge

As a third party reporting agency that is reporting to financial institutions it is EWS obligation to make due diligence that the information being reported is accurate to the best of their knowledgeBank of America is not the entity in which my consumer account is being furnished, EWS isEWS has
stated that the information was verifiedIf such information was verified I'd simply like to know the verification process and who verifiedI'm disputing the validity of this account and if it can not reasonably be proven that this account is mine or what is being reported is accurate then legally EWS should not still be reporting this in association with my name and social security numberAgain, this is a violation of the FCRA, I will continue to dispute the validity of this account until EWS furnishes such documentation or the account is removedIf there is no recourse my next step is to obtain legal representation

Revdex.com:I have reviewed the response made by the
business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.[Provide details of why you are not satisfied with this resolution.]Regards,*** ***

Ms***, Thank you for your responseWe appreciate your feedback and are sorry to see that the previous response did not resolve this matter for youZelle is unable to assist directly with the payment as we are not a financial institution and do not have access or authorization to take direct action within your account or the receivers accountAll actions regarding the payments are done through the involved financial institutionsZelle does not handle any of the funds, we provide a service that allows the involved banks to transfer funds from one individual to anotherSincerely, Zelle Support

Early Warning has attempted to reach out to MrB*** through telephone and email channels. Because the issue submitted to the Revdex.com has limited information, I would like to discuss the situation and provide a resolution as appropriate. MrB*** may contact me
directly at *** or ***

Dear Ms***, This responds to your complaint filed through the Arizona Revdex.com on February, 27, Early Warning Services is a nationwide specialty consumer reporting agencyAs such, we comply with all aspects of the Fair Credit Reporting Act (FCRA) and other applicable
regulations governing the reporting of consumer informationAs you stated in your complaint, the information reported by Georgia’s Own has been reinvestigatedBased on the information provided in your dispute and by Georgia’s Own, the reason for the report continues to be accurate. On February 20, 2017, we provided to you a letter stating that specific information about your past account may be obtained by contacting: Georgia’s Own Federal Credit Union *** *** ***
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Mr*** submitted a statement of problem through the Revdex.com of Central, Northern, and Western Arizona. His statement requested the “re-issue of settlement checks and a investigation by the Federal Bureau of Investigation. Checks Systems and FDIC contacted immediately
to stop payments and a Re-issue settlement checks to my personal bank accounts.” The amount disputed is $100,Early Warning is not involved in the issuance of settlement checks or the processing of stop payments on any type of check. Further, we do not collect debts on behalf of creditors or debt collection companiesWe have attempted to reach out to Mr*** by telephone and e-mail to clarify his issue. At this time, we have not had a response from him

As a consumer reporting agency, Early Warning complies with all aspects of the Fair Credit Reporting Act. A foundation of the Act is a consumer’s ability to dispute any piece of information in their file that is believed to be inaccurate. Equally, the Act allows the Furnisher and agency up to calendar days to complete a reinvestigation once a consumer has submitted a dispute. A shorter time period applies if a consumer submits a copy of a police report supporting the claim of identity theft. Early Warning did not receive such a report from Ms***The reporting banks and Early Warning are in the process of reinvestigation the information provided to Ms***’s file. As each of the reinvestigations are completed, written notification will be provided to her. To date, one of eight reinvestigations has been completed and the associated removal notification mailed to Ms*** on November 23,

My complaint is that Early Warning is reporting bank information under my current and discontinued social security number, not ONLY my discontinued socialI have made multiple of attempts to correct the incorrect information but, Early has refused to separate files (ssn) even with legal documentsThe Suntrust account that is in dispute was opened under the discontinued social not my current socialI also requested that a complete file disclosure is sent to me for both of the socials separate but again I was denied to a copy which is against the FCRAI disagree with Early Warning statement they have not tried to assist me in any way and hasn't started a reinvestigation with Suntrust BankI spoke to *** *** from Suntrust Fraud Department on Jan 11, and the bank hasn't received any documents or dispute from EWS

Dear *** ***This will respond to your complaint filed with the Revdex.com of Central, Northern, and Western Arizona dated February 26,2015.Enclosed you will find an updated copy of your file at Early WarningYou will note that the information relating to the contributed
SunTrust bank account ending in *** has been deleted from your fileThe deletion was initiated by the Furnisher without notification to Early Warning.The information relating to the closed ** *** *** *** account ending in *** has not been deletedAs you stated, this account was opened by you and closed by ***The contributed information is accurate and the reporting is allowed under the Fair Credit Reporting ActThis infonnation is not negative and will not hinder your opening a bank account based on information from Early Warning.The remainder of the reported information relates to transactions, such as opening or attempting to open a bank account, initiated by you.Should you have any questions, please contact us

Dear Ms***, Thank you for contacting Early Warning about your consumer reportWe are committed to providing a convenient and positive experience throughout this processThis letter is in response to your Revdex.com complaint, received on October 10th, In your complaint, you stated that you
have requested the verification of cancellation of your Zelle account on two occasionsHowever, you have not received the requested verificationIn reviewing our records you contacted Zelle Support via email requesting cancellation verificationOn October 9th, a Zelle Support representative responded to your e-mail request for cancellation with the following statement: “This email is confirming that your Zelle account has been deactivated and cancelled.” If you are unable to locate this e-mail please check your spam boxIf you need any further assistance please feel free to contact us again via e-mail or phone by calling us toll-free at 844-428-8542.Sincerely, Zelle Support Sincerely, Zelle Support

Early Warning is a consumer reporting agency as defined by *** *** ** *** *** *** *** *** ***. *** *** ** *** *** allows/requires the agency to reinvestigate the accuracy of any item of information contributed to a file maintained at the agency. Further, the Act establishes a period of calendar days during which the agency may complete the reinvestigation. If the item of information is found to be inaccurate, it will be removed from the file. It accurate, the agency is not required to delete the item of information from the file.As previously reported, the contributed data's accuracy is currently being investigated. If *** *** has additional documentation to substantiate the inaccuracy of the contribution, Early Warning is happy of consider the information as part of the reinvestigation