Early Warning Services

To enroll in Zelle, you would need a valid *** or ***The card that was used is an ineligible form of payment for Zelle and therefore cannot be linkedOur recommendation would be to reach out to the sender for an alternate form of payment or link an eligible *** or *** debit
card. Thank you, Zelle Support

** *** *** ** *** *** *** *** *** *** ** *** *** *** ** *** *** *** *** *** ** *** *** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

On October 1, 2015, Early Warning received a request for a file disclosure from Mr***. As a consumer reporting agency, Early Warning is obligated by the Fair Credit Reporting Act to positively identify a consumer prior to providing information from our files. We are currently
researching the information provided by Mr*** as it applies to information in our files. Specifically, resources utilized by Early Warning indicate that identifying information provided by Mr*** was issued years before his date of birth. On October 2, 2015, Early Warning sent a request to Mr*** for clarification. When clarification is received from Mr***, a disclosure of information relating to him will be made. The disclosure will include instructions on disputing inaccurate information included in his file

Dear Ms***, This letter is in response to your Revdex.com complaint, received on April 21, In your complaint, you stated that information being reported about you is incorrect, that Early Warning refuses to remove the information, and that Early Warning refuses to accept your proof
documentationIn reviewing our records, it appears we spoke to you on April 19, when you requested your Early Warning consumer report, and on April 20, when we explained the dispute process to youHowever, it does not appear that we have received a written dispute from you regarding the information you reference in your complaintIn order to start the dispute process for you, we need sufficient information to investigate the disputed informationYour Revdex.com complaint does not contain enough information for us to identify the records in which you are disputingYou may submit your written dispute using any of the below channelsIn your dispute, please identify the records you believe to be inaccurate or incompleteIf you have documentation to support your dispute (i.ethe proof documents you reference in your complaint), please include them with your disputeTo avoid any delays in processing your dispute, you may find our dispute checklist helpful, *** * Electronically through our secure communication portal *** * By fax *** * By mail Early Warning, Attn: Consumer Services, *** ** *** *** *** *** *** Upon receipt of your written dispute, we will initiate the reinvestigation process for youIf you have any additional questions or concerns, we encourage you to contact us by phone at *** between the hours of 8am and 5pm PST, Monday through FridayOur consumer services representatives are available to assist you

The SunTrust Bank information referenced in Ms***’s complaint was removed from her file on January 5, A notice of deletion and an updated copy of her file was mailed to her on January 6, Because our consumer files are based upon identification elements other than a social security number, Early Warning is unable to separate the information in her fileTherefore, we have taken steps to suppress any information relating what Ms*** refers to as her “old” social security number. A copy of her updated file and deletion notifications will be sent to her by U.Smail

they are reporting bogus defamatory information even after being provided proof that their information is wrong. they are in violation of FCRA and action will be taken

I have attached a copy of the report that EWS has given, and as you will see, and according to my Bankruptcy Trustee *** ***, stated that there may be a record showing bankruptcy, however the amount from the creditors should have been changed to $0.00, being that it has been dischargedYou will also see in the report attached, there was one record that was in fact zero'd out, however in compliance with your standards and that of the bankruptcy laws in place for these procedures, your business has yet to zero ($0.00) this record, and Regions Bank also does not reflect this procedure. Since last August, 2016, I have been unable to secure another account with a financial institution, and I believe this is because you have yet to eliminate the amounts within those recordsI understand that EWS owns many financial institutions as *** ** *** ***, etc., and I have been mistreated according to others who have made complaints with the Revdex.com and who received different treatment with this in mind than that I am receiving, which is a mater of a "Comparative" situation.By my personal information being used to open accounts online and not actually being aware of some, and following the rules of engagement in regards to filing a fraud alert on my report and filing police report and filing bankruptcy, it seems to me that EWS still is within a biased situation as compared to many with the same complaints and theirs were resolved whereas mine has not been

Dear Mr***, Thank you for contacting us about your customer service experienceWe are committed to providing a convenient and positive experience throughout this process. This letter is in response to your Revdex.com complaint, received on October 26, 2017. In
your complaint, you stated you were expecting a payment of $and were having issues with unlocking your profile. Here at Zelle, we strive to provide exceptional customer serviceWe are sorry to hear that your recent interaction with us, on 10/25/2017, did not meet your needsPlease be assured that we take these matters seriously and we appreciate you taking the time to tell us about your experienceYour feedback will allow us to correct any problems and improve in these areas so we can better assist you in the futureWe will investigate and address the matter of our technical support team not returning your call as well as the miscommunication you received from our support center. Regarding your issues with your payment. Based on our investigation of your account it appears that on 10/9/you received a payment and notification that, clearXchange, needed additional information to process. As a result of the information not being updated in your clearXchange profile the payment failed and was returned to the sender. On 10/12/you successfully enrolled in Zelle. On the 10/25/support call you were notified our technical support team would need to assist and would contact you. On 10/27/you contacted our support center and was transferred to second level support at which time they were able to assist you and unlock your profile allowing your payment to post. Zelle does not hold funds, payments are transferred between financial institutions. It is up to the financial institution and their terms and conditions with their users regarding charges and reimbursement of any overdraft fees. We recommend reaching out to your financial institution and filing a request for reimbursement. If you have additional concerns or need additional assistance please reach out to us at toll-free ***We are open seven days a week from am to midnight Eastern Time, excluding federal holidaysIf you are calling from outside the United States, please call us at *** from am to midnight Eastern Time on Monday through Sunday

my Bankruptcy was discharged and I keep having Bank of America or point breeze coming up on my accountThis should not be showing up at all

I never did receive the money on my endI am with *** *** *** *** and Zelle does not recognize my financial institution for me to receive fundsMy brother had to call Zelle to find out how to get his money backThis is his unedited text to me, "Just talked to Zelle rep and the response was: Contact your bank and have them cancel the transaction and use a different method of payment to transfer the money... He was serious too. I said "So, Zelle is useless then?" He replied "Yes , sir." I thought I was getting pranked..." That is Zelle's customerNo thank youI have spread the word to not use this service

Mr*** *** submitted a complaint stating that he was denied the ability to process a money transfer from an account to his brokerage account at Fidelity Investments based on information from Early Warning Services. Mr*** believes that the decline is based on false
information reported by Early Warning ServicesThe information reported about the USAA account ending in was reinvestigated by Early Warning and the furnisher on November 23, 2016. The outcome to the reinvestigation confirmed the accuracy of the information as reported to Mr*** by U.Smail on December 1, 2016. The reported information includes: routing and account number, account open date, account close date, the current status of closed-purged (i.ethe account is closed and has been purged from the furnisher’s account records), the account holder’s name, address, social security number, date of birth, and email address. The consumer report also details the account’s status history, as reported by USAA, from February 4, through July 22, 2015, which at one time (July 20, 2010) was reported as “closed for cause.” The “closed for cause” status was updated to “closed” by USAA on July 20, Based on the information noted above, we have determined the information Early Warning is reporting about Mr***’s USAA account ending in is accurate. Users of consumer information may access multiple sources of data in their decision process, we suggest that Mr*** contact Fidelity Investments to discuss their decision for declining to establish the money transfer option for his brokerage account

Section of the Fair Credit Reporting Act mandates that aconsumer reporting agency obtain proper identification of a consumer prior toreleasing any information from its files. In accordance with this requirement, Early Warning forwarded a copy of ourConsumer Identification and Certification
form to Mr*** for completion on March12, 2015.When returned, a file disclosure will be prepared based uponthe information provided by Mr***. If any of the information contained in the file disclosure is inaccurateor incomplete a dispute, indicating the specific nature of the inaccuracy ofthe information, may be submitted as allowed in Section of the Fair CreditReporting Act (FCRA)

This letter is in response to Ms***’ follcomplaint, received on April 3, In Ms***’ follcomplaint, she stated her bankruptcy was discharged and that her Bank of America and Point Breeze accounts keep coming up on her accountAs we stated in our initial response, sent on April 3, 2017, Ms***’ Bank of America record (ending in ***) is reporting as “discharged in bankruptcy” on her Early Warning consumer reportIn regards to Ms***’ Point Breeze Credit Union account (ending in ***), it is also reporting as “discharged in bankruptcy” on her Early Warning consumer reportEarly Warning is showing the closure/incident date of the Point Breeze record as 10/28/Under the Fair Credit Reporting Act, Early Warning may report the accounts discharged in bankruptcy for up to seven yearsIf Ms***’ has additional questions or concerns, we encourage her to contact us by phone at *** between the hours of 8am and 5pm MST, Monday through Friday

We are sorry to hear Ms*** does not agree with our responseUS Bank has the right to remove the information if it is inaccurate through their contribution processThe documentation provided by Ms*** reflects a letter from a local branch manager requesting the record to be removedTo clarify, the manager would need to communicate directly with the department that reported the information to Early Warning and coordinate the removal if the information is inaccurateEarly Warning Services solely provides information to a financial institution, but the decision to open an account is up to the financial institutionThis dispute is still currently pending as we submitted it for reinvestigation to the bank to review their records and the information Ms*** submittedFCRA allows Early Warning and the bank a total of thirty days to respond to her disputeThe due date for this is January 13, If Ms*** has questions prior to the completion of the dispute, she may contact me directly at ***Joe M***

Ms*** *** submitted a complaint to the Revdex.com of Arizona stating that she is unable to open a bank account because of information reported by Early WarningEarly Warning completed a review of the information in Ms***’ file. Our review did not find information that caused or responses to bank inquiries that resulted in a decline of service. The Bank of America information noted in the complaint was removed from Ms***’ file on October 29, During our review we did not find a dispute of the account information reported by SunTrust Bank. Based on the comments submitted by Ms***, we have forwarded the complaint as a dispute of the information to SunTrust Bank. The outcome of the reinvestigation will be reported to Ms*** within the next calendar daysA copy of Ms***’ file was provided to her by U.Smail on February 3,

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

Dear *** ***,Thank you for contacting Early Warning about your consumer reportWe are committed to providinga convenient and positive experience throughout this process.This letter is in response to your Revdex.com complaint, received on November 15th, 2017.In your complaint, you stated that you enrolled with Zelle through your financial institution, and yourmother enrolled through the Zelle mobile appYou stated that you sent your mother money, but afterseveral days it had still not arrivedYou indicated that when contacting Zelle customer support youwere unable to receive satisfactory resolution to your request to cancel the paymentYou also statedthat you would like the funds that were sent using Zelle, to be placed back into your account.We strive to provide exceptional customer serviceWe are sorry to hear that your recent interactionwith us, did not meet your needsPlease be assured that we take these matters seriously and weappreciate you taking the time to tell us about your experienceYour feedback will allow us to correctany problems and improve in these areas so we can better assist you in the future.Initial payments may experience a one to three business day delay, depending on the bankThis is asecurity feature of our Network designed to reduce risk and protect you whenever you are sending orreceiving moneyAfter the first payment is sent or received all future transactions will be withinminutes when sent or received between accounts registered with Zelle.Regarding the cancellation of the payment, Zelle is unable to take any action regarding cancellingpayments as we do not handle the fundsWhen you contacted our call center and were advised tocontact your bank’s customer support team, this was done as payments are transferred betweenfinancial institutions.We recommend contacting your bank’s customer support team for assistance regarding cancelling thepayment, if you are unable to do so directly through their Zelle serviceAdditionally the returnpayment delay timeframe is set at calendar days to ensure that if the receiver is not enrolled theyhave time to enroll with a valid account and receive the funds that were sent to them.If you need additional assistance regarding the payment, we recommend reaching out to your financial institutionscustomer support team.Best Regards,Zelle Support

Based on your comments, a review of your file has been completed.  The outcome of the review is as follows:- [redacted] account ending in [redacted]: The accuracy of the contributed record was disputed by you on April 20, 2013.  The contributed record was found to be accurate as of the time...

of contribution.  Base on the dispute documentation, the record was update to a "paid" status on April 23, 2013.  A notification was provided to you on April 24, 2013.- [redacted] accounts:Our review does not indicate that you have disputed the accuracy of any of the accounts contributed by [redacted]. The case notes state that on October 29, 2013, you informed an Early Warning consumer services representative that you would contact [redacted] directly rather than dispute the accuracy of the information through Early Warning.  However, we did not find any notifications from [redacted] instructing Early Warning to delete any of the records contributed by [redacted].  If you wish to reconsider and submit a dispute of the accuracy of the account intbrmation, please follow the instructions noted in the file disclosure provided to you on August  15,2014.  The current statuses ofthe [redacted] contributions are as follows:Account ending in [redacted]: current status is "unpaid"Account ending in [redacted]: current status is "paid"Account ending in [redacted]: current status is "paid"Account ending in [redacted]: current status is "paid"Account ending in [redacted]: current status is "unpaid"Account ending in [redacted]: current status is "paid"Should you have any questions, please contact us.

Dear Ms. [redacted],   Thank you for contacting Early Warning about your consumer report. We are committed to providing a convenient and positive experience throughout this process.   This letter is in response to your Revdex.com complaint, received on 06/23/2017.  ...

Early Warning is a nationwide specialty consumer reporting agency that complies with applicable provisions of the Fair Credit Reporting Act (FCRA). We are owned by seven of the country's most respected financial institutions – Bank of America, N.A., Branch Banking & Trust, Capital One, N.A. JPMorgan Chase Bank, N.A. PNC Bank, N.A., U.S. Bank, N.A. and Wells Fargo Bank, N.A. For over 25 years, financial institutions, and other financial entities, have used our services to assist them in the detection and prevention of fraud associated with bank accounts and payment transactions. As a consumer reporting agency, financial institutions provide information to us about checking and savings account history and activity.   Under the FCRA, you have the right to review and dispute information in your Early Warning consumer report that you believe is inaccurate or incomplete. However, based on the information you provided in your complaint, we are unable to locate consumer report information about you (please note that in an effort to protect consumers’ privacy, we are not able to discuss another consumer’s information with you). To help us assist you further, please complete our Identification Form ([redacted]) and return it to us using the instructions on the form or call our Consumer Services department at [redacted] between the hours of 8am and 5pm MST, Monday through Friday.   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 MST, Monday through Friday. Our consumer services representatives are available to assist you.

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]This is associated with prejudice, racially profiling and discrimination against [redacted] and wife [redacted] [redacted] attached to IRS tax profile
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution would be satisfactory to me.  I will wait until for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]