Early Warning Services

The response provided to [redacted] on November 25, 2014,clearly demonstrates through [redacted] Bank’s documentation that EarlyWarning did not make the decision to delay availability of deposited funds anddoes not know why the availability was delayed. Early Warning may have provided confidential information relating to thedeposited check, as allowed by Regulation CC (Expedited Funds AvailabilityAct), to [redacted] Bank to be used in their decision process.  It is understandable that [redacted] is acting on informationprovided to him.  However, Early Warningdoes not make decisions for [redacted] Bank regarding the placing ofuncollected funds holds, the release of holds placed on customer deposits, orthe receipt of funds due from one bank to another.  The information as to why the availability offunds was delayed for ten (10) days must be obtained from [redacted] Bank.  The contact information was included in ourprevious response.In order to resolve this issue, Early Warning reached out to[redacted] on December 23, 2014, and left a message at his contact number.

I do not accept this response from the business and in my opinion it proves they violated [redacted] by not contacting me until I had contacted  them  directly ( only after they put a negative item on my report). I believe a full investigation should be initiated on this business and it's procedures on contacting people who they are report negative items. Again, this information is inaccurate and not containing accurate information and I want it immediately deleted from any credit reporting agencies. If early warning systems has evidence to substantiate these claims or signatures bearing my signature, I request a copy.

Mr. [redacted], Thank you for your reply.   Early Warning's policies and procedures are to initiate a reinvestigation and reach out to [redacted] regarding the information that was reported to Early Warning. The outcome of the reinvestigation will be provided to you in writing.   If you have documentation to support your dispute, please send it to us using any of the below methods and we will append it to your dispute. To avoid any delays in processing your dispute, you may find our dispute checklist helpful, https://www.earlywarning.com/consumer-information.html#documents.   Electronically through our secure communication portal https://consumerservices.earlywarning.com By fax 480-656-6850 By mail Early Warning Attn: Consumer Services 16552 N. 90th Street Scottsdale, Arizona 85260   If you have any additional questions or concerns, we encourage you to contact us by phone at 1.800.745.1560 between the hours of 8am and 5pm MST, Monday through Friday. Our consumer services representatives are available to assist you.    Sincerely, Consumer Services

Dear [redacted],Thank you for contacting Early Warning about your consumer report. We are committed to providing aconvenient and positive experience throughout this process.This letter is in response to your Revdex.com complaint, received on July 18 th, 2017.In your complaint, you stated that you sent a...

dispute to Early Warning, regarding a Bank of Americarecord, and you did not receive a response within thirty (30) days. You maintain that the information beingreported by Early Warning is inaccurate.In reviewing our records, we received your dispute of this Bank of America record on June 16th, 2017. Atthat time, your dispute was promptly forwarded to Bank of America for reinvestigation. Upon completionof the reinvestigation, Bank of America asserted the record was accurate based on accountinformation/documentation maintained by the financial institution. You were notified in writing, sent by USmail, of the outcome of the reinvestigation on July 10th, 2017.If you have new or additional information/documentation to support your dispute, please send it to ususing any of the below methods and we will further investigate your dispute. To avoid any delays inprocessing your dispute, you may find our dispute checklist helpful,[redacted].? Electronically through our secure communication portal: [redacted]? By fax: [redacted]? By mail: Early Warning, Attn: Consumer Services, [redacted]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 futureconsumer reports about you. For assistance with filing a statement of dispute, please call us at thenumber below.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 consumerservices representatives are available to assist you.

Dear [redacted],Thank you for contacting Early Warning about your consumer report. We 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 app. You stated that you sent your mother money, but afterseveral days it had still not arrived. You indicated that when contacting Zelle customer support youwere unable to receive satisfactory resolution to your request to cancel the payment. You 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 service. We are sorry to hear that your recent interactionwith us, did not meet your needs. Please be assured that we take these matters seriously and weappreciate you taking the time to tell us about your experience. Your 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 bank. This is asecurity feature of our Network designed to reduce risk and protect you whenever you are sending orreceiving money. After 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 funds. When 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 service. Additionally the returnpayment delay timeframe is set at 14 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

When offering a service to handle other people’s you should handle the service completely.  You are still only giving “scripted” answers that do not offer to resolve anything. In my 1st complaint I also mentioned that my bank said to call you as the transfer was already complete led on the banks side. . Zelle clearly does not have the capacity to solve this complaint, which again, is not acceptable when offering a service that handles people’s money.  Perhaps not allowing people to enroll if there Bank is not a partner, that would be a simple solution to avoid this problem and surely doable within your app.

Dear Ms. [redacted],This letter is in response to your follow-up complaint 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 you. If 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 dispute. Under the Fair Credit Reporting Act, Early Warning and Bank of America have thirty (30) days to complete the reinvestigation. You 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 Friday. Our consumer services representatives are available to assist you.

Dear [redacted], Thank you for contacting Zelle. 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 February 27th, 2018. Regarding the return of the payment due to a typo...

made on the receiving mobile phone number, we recommend reviewing the terms and conditions for using Zelle through Bank of America. Zelle does not transfer or move payments, this is completed between the involved financial institutions.It is recommended that you reach back out to individual who received the payment and request a return of the payment that was sent. You may also reach out to Bank of America regarding this matter.Should Bank of America need assistance regarding the matter, we are happy to assist them.Best regards,Zelle Support Call 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.

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 July 26th, 2017. After further review, it has...

been determined that this complaint is identical to the Revdex.com complaint Early Warning responded to on July 11th, 2017 (Complaint ID #[redacted]). As we have previously explained, in order to obtain account documentation you need to contact [redacted] of [redacted]. Early Warning is a consumer reporting agency. We do not have access to/maintain account documents. [redacted]
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[redacted] As we have previously advised, if you do not agree with the outcome of 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 you. For assistance with filing a statement of dispute, please call us at the number below.If you have any additional questions or concerns, we encourage you to contact us by phone at 1.800.325.7775 between the hours of 8am and 5pm MST, Monday through Friday. Our consumer services representatives are available to assist you.  Sincerely,Consumer Services

This letter is in response to Ms. [redacted]'s complaint, received on March 29, 2017. In her complaint, Ms. [redacted] claims she has never had a bank account with Wells Fargo and that when she disputed the accounts with Early Warning, she was notified the reporting of the accounts were accurate. Ms. [redacted]...

also indicated she requested Early Warning provide her with documentation of a contract that bears her signature and that Early Warning responded that it does not have account documentation and therefore is unable to provide copies proving this account belongs to her. Early Warning received a written dispute, from Ms. [redacted] on March 13, 2017, indicating she has never had a bank account with Wells Fargo. Early Warning promptly forwarded Ms. [redacted]'s dispute to Wells Fargo for reinvestigation. Early Warning also sent Ms. [redacted] information for remedying the effects of identity theft based on her claim that she never had an account at Wells Fargo. Upon conclusion of its reinvestigations, Wells Fargo notified Early Warning that the account reporting is accurate. Wells Fargo indicated the reinvestigation outcome is based on a signature card, bearing the consumer's signature, on file and that the account had direct deposit set up in the consumer's name. On March 21 and 27, 2017, Early Warning notified Ms. [redacted] by US Mail of the outcome of the reinvestigation along with instructions on how to file a statement of dispute if Ms. [redacted] does not agree with the outcome of the reinvestigation. Early Warning also provided Ms. [redacted] with contact information for Wells Fargo as Early Warning does not maintain account documents. If Ms. [redacted] has additional or new information that would aid in the reinvestigation of her dispute, she may send that information/documentation to us and we will further reinvestigate the accounts.If Ms. [redacted] has additional questions or concerns, we encourage her to contact us by phone at [redacted] between the hours of 8am and 5pm MST, Monday through Friday.

[redacted] states they have deleted the account from EWS

Dear [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 July 19th, 2017.  In your complaint, you...

stated that you filed for bankruptcy and it was discharged. You explained that you wrote Early Warning and requested your record be deleted or brought to $0. However, neither of these actions have been taken by Early Warning.  In reviewing our records, Early Warning received your bankruptcy discharge paperwork on February 28th, 2017. As a result, on February 28th, 2017, the status of the BBVA Compass record (ending in 1C01) was updated to “discharged in bankruptcy.”  Under the Fair Credit Reporting Act, Early Warning may report the status of this account for up to seven (7) years. The updated status will be reported with future inquiries on your consumer report. However, please bear in mind that the decision to approve or decline the opening of an account is made by the financial institution that referred you to us and not by Early Warning. If you would like a current copy of your Early Warning consumer report, you may complete our Identification Form [redacted] and return it to us via the instructions on our website or call us at the number below. In regards to the information you received from Early Warning regarding remedying the effects of identity theft, that information was sent to you because you indicated to Early Warning that you were a victim of identity theft and in accordance with our obligations under the Fair Credit Reporting Act.  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.  Sincerely, Consumer Services

Mr. [redacted] submitted a complaint through the Revdex.com (Revdex.com) stating that he was unable to send information supporting his claim of identity theft to Early Warning.  The complaint also requested that information regarding a Bank of America account be removed from his file. Early...

Warning received a dispute of the reported Bank of America account information from Mr. [redacted] on March 6, 2017.  The dispute was promptly forwarded to Bank of America for consideration.  Our conclusion after considering the dispute is that the reported information is accurate and will remain in his file.  If new or additional information about the accuracy of the report made by Bank of America is offered, we will submit such information to the bank for consideration. Notifications of the outcome of the reinvestigation and Early Warning’s decision to decline to block the reporting of the disputed information was sent to Mr. [redacted] on March 9, 2017. Mr. [redacted] may request specific information regarding the banking transaction from the furnisher by contacting: Bank of America Risk Identification and Support Center [redacted]

This letter is in response to Ms. [redacted]’s complaint, received on April 1, 2017. In her complaint, Ms. [redacted] claims the Bank of America record in her Early Warning Services’ consumer report is inaccurate, indicating the record was included in her bankruptcy filing. Mr. [redacted] stated she previously...

filed a dispute with Early Warning and that nothing happened in response to her dispute. Ms. [redacted] also stated the Bank of America record is from 5 years ago. Early Warning received Ms. [redacted]’s bankruptcy discharge paperwork on May 10, 2016. On May 16, 2016, the status of the Bank of America record (ending in [redacted]) was updated to “discharged in bankruptcy.” Early Warning is showing the closure/incident date of the Bank of America record as 6/12/2014. Early Warning also received, on March 30, 2017, Ms. [redacted]’s request to receive a copy of her consumer report. At the time of this letter, her request is being processed. Ms. [redacted]’s consumer report should be sent to her, by US mail, within fifteen (15) days, unless otherwise required by her state of residence (please allow time for US mail delivery). If Ms. [redacted] has additional questions or concerns, we encourage her to contact us by phone at [redacted] between the hours of 8am and 5pm MST, Monday through Friday.

I have received letters from 3 banks in the last 9 months from [redacted], and [redacted] all letting me know my disputes has been resolved, yet and still im still in the system I will be contacting the attorney general to file further charges with your company if this is not sett

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]

Mr. [redacted] dispute of the accuracy of account information provided in his file disclosure was received on December 15, 2015.  The dispute will be forwarded to the reporting institutions for reinvestigation of each contribution.  As required by the Fair Credit Reporting Act (FCRA) the...

outcome of each reinvestigation will be reported to Mr. [redacted] on or before the end of the 30 day reinvestigation period commencing on December 15, 2015.

Mr. S[redacted] submitted a complaint through the Revdex.com regarding information reported about him by Early Warning Services (Early Warning).  Specifically, that the information is the result of identity theft and does not relate to any accounts owned by him. The information in Mr....

S[redacted]’s file has been reinvestigated by the [redacted] and Early Warning.  The reinvestigation resulted in 16 of 17 records being deleted from the file.  The remaining record relates to a [redacted] account ending in [redacted].  This account record was initially disputed on September 30, 2015.  The dispute documentation included a [redacted] Summary relating to identity theft.  The document lists a number of identity theft incidents dating back to 2008.  The document does not list [redacted] or any bank accounts opened at [redacted].  Mr. S[redacted]’s file does not contain any other police reports nor was a copy of an [redacted] Fraud Identity Theft Affidavit found. The response to the reinvestigation request from [redacted] indicated that the bank’s Claims Department processed an Identity Theft Claim and denied the claim.  The denial was based upon a complete review of account documentation and transactions.  We also found that the account name, address, social security number, e-mail address and [redacted] driver’s license number were consistent with the information submitted by Mr. [redacted]. If Mr. [redacted] has addition information specific to the [redacted] account ending in [redacted], Early Warning will be happy to review and consider the information.

In the response to Early Warning’s answer to the original complaint, Mr. B[redacted] indicates that Early Warning has violated the Fair Credit Reporting Act by not contacting him before accepting a report from the furnishing institution. Early Warning takes the responsibility to report accurate consumer information very seriously.  To that end, we have initiated the process of reinvestigation with the Furnisher to dispute the accuracy of the information.  As previously communicated the reinvestigation request was sent to the Furnisher on March 11, 2016.  The outcome of the reinvestigation will be provided to Mr. B[redacted] upon completion. To the point of not contacting him before accepting a record from the Furnisher: The Fair Credit Reporting Act does not require a consumer reporting agency to contact a consumer prior to accepting a contribution from a furnishing institution.  The furnishing institution however, has the responsibility to ensure the accuracy and integrity of the reported information.

[redacted]
 This letter is in response to your Revdex.com complaint, received on August 7th, 2017.  In Early Warning’s previous response, you were provided a copy of the letter, which was also mailed to you, outlining our reinvestigation procedures, along with the business name and address of the furnisher contacted in connection with the reinvestigation, as required by the Fair Credit Reporting Act. Your dispute has been reinvestigated on two separate occasions and the furnisher, [redacted] of [redacted], has asserted the accuracy of the record. As we have advised you, you must contact Bank of [redacted] directly to request copies of the documents you are seeking. [redacted]
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[redacted] If the previously completed reinvestigations 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 you. For assistance with filing a statement of dispute, please call us at the number below. If you have any additional questions or concerns, we encourage you to contact us by phone at 1.800.325.7775 between the hours of 8am and 5pm MST, Monday through Friday. Our consumer services representatives are available to assist you.  Sincerely, Consumer Services