Early Warning Services

I have contacted Early Warning services and they are send me a copy of my file. The problem is the information they have is incorrect. I spoke to someone at Bank of America and they informed me that My account was closed to nonpayment and EWS is reporting fraud. I do not owe Bank of America anything. EWS will not take the incorrect listing off their file because they say Bank fo America has to ask them to remove it.

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 February 7th, 2018.  In your complaint,...

you stated [redacted] is reporting.Based on the information you provided in your complaint, we are initiating the dispute process for you. 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 ###-###-#### By mail Early Warning Attn: Consumer Services 16552 N. 90th Street Scottsdale, Arizona 85260 Under the Fair Credit Reporting Act, Early Warning and [redacted] have up to thirty (30) days to complete the reinvestigation of your dispute. Early Warning will notify you in writing of the outcome of your dispute upon completion.  If 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 Friday. Our consumer services representatives are available to assist you.  Sincerely, Consumer Services

Dear [redacted],Thank you for contacting Early Warning. I would like to assure you that we are committed to providing a convenientand positive experience throughout this process.This letter is in response to your Revdex.com complaint, received on 06/15/2017.In your complaint, you stated that you...

received information from three (3) different banks indicating you’ve beencleared of any issues. However, you are still in Early Warning’s system and would like to be removed.Early Warning is a nationwide specialty consumer reporting agency that complies with applicable provisions of theFair Credit Reporting Act (FCRA). We are owned by seven of the country's most respected financial institutions –[redacted]. For over 25 years, financial institutions, and other financial entities, haveused our services to assist them in the detection and prevention of fraud associated with bank accounts and paymenttransactions. As a consumer reporting agency, financial institutions provide information to us about checking andsavings account history and activity. The FCRA does not provide consumers with the ability to "opt out" of havingfinancial institutions report their banking history to us nor are consumers able to "opt out" of Early Warning issuingconsumer reports about them to entities with permissible purpose.In reviewing our records, you previously disputed multiple records with various financial institutions in November andDecember 2016. At that time, your disputes were promptly forwarded to the corresponding financial institutions forreinvestigation. Upon completion of the reinvestigations, two financial institutions ([redacted] and [redacted]) assertedthe records provided were accurate based on account information/documentation maintained by the financialinstitutions. You were notified in writing of the outcome of the reinvestigations by Early Warning on November 2016and December 2016.If you are seeking to dispute new records on your Early Warning consumer report or you have new or additionalinformation/documentation to support previously disputed records, please send us your dispute(s) using any of thebelow methods and we will further investigate your dispute(s). In your dispute(s), please identify the records youbelieve to be inaccurate or incomplete and provide any documentation you have to support your dispute(s). To avoidany delays in processing your dispute(s), you may find our dispute checklist helpful,https:[redacted]? Electronically through our secure communication portal: https[redacted]? By fax: [redacted]? By mail: Early Warning, Attn: [redacted]If the previously completed reinvestigation(s) did not resolve your dispute(s), you may file a brief statement(s), withEarly Warning, setting forth the nature of your dispute(s) and your statement(s) will be provided with future consumerreports 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 [redacted] betweenthe hours of 8am and 5pm MST, Monday through Friday. Our consumer services representatives are available to assistyou.SincerelyConsumer Services Department

Dear Ms. [redacted], This letter in response to your Revdex.com complaint, received on April 6, 2017. In your complaint, you indicated you are unable to get a bank account and that you want “everything resolved” on your Early Warning consumer report.  In looking at our records, Early Warning...

first had contact with you on March 15, 2016. As a result of that interaction, we mailed your Early Warning consumer report to you. However, we do not show that we have ever received a dispute from you regarding the accuracy or completeness of any records contained on your consumer report.  As a result of your Revdex.com complaint, we are initiating the dispute process for you. A representative from our Consumer Services department may be in contact with you if additional information is needed to proceed with your dispute.  If you have documentation to support your dispute, please send them to us using one of the below methods.  Electronically through our secure communication portal [redacted]By fax [redacted]By mail Early Warning Attn: Consumer Services [redacted]
[redacted]To avoid any delays in processing your dispute, you may find our dispute checklist helpful, [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 MST, Monday through Friday.

Mr. [redacted], Thank you for your response. To ensure our due diligence with the matter, we have completed another thorough search of our systems. We are unable to locate any instance of an attempt to enroll with the phone number you have provided. Additionally no new information was found that would cause a conflict with your phone number. Regarding the information you stated that was provided to your brother by our call center, we do apologize. We want to assure you that your comments have been provided to management to review. However, if you have an alternate phone number that was used to contact our call center, or that was used to enroll, we strongly recommend contacting us with this information so that we can properly assist you and complete an internal review to avoid such situations in the future. Thank you, Zelle Support

Dear [redacted],   This letter is in response to your Revdex.com follow-up complaint, received on 06/21/2017.   In your complaint, you stated that you have received letters from three (3) different banks in the last nine (9) months, specifically [redacted], and [redacted], letting you know that your disputes have been resolved. However, you are still in Early Warning’s system.   In reviewing our records, you previously disputed these records in November of 2016. As previously noted, the records for [redacted] were removed. However, [redacted] and [redacted] disputes came back from the financial institutions as accurate and therefore remained on your Early Warning consumer report. Based on the new information you provided in your complaint (identifying the financial institutions that provided you with letters), we are reinitiating the dispute process for you with [redacted] and [redacted].   Under the Fair Credit Reporting Act, Early Warning and the financial institutions have up to thirty (30) days to complete the reinvestigations of your disputes. If possible, we recommend that you send us copies of the letters you mentioned in your complaint and we can append them to your disputes as supporting documentation (please refer to our previous response for instructions on sending documents to us).  Early Warning will notify you in writing of the outcome of your disputes once completed.   If you’d like a copy of your consumer report, please don’t hesitate to contact us at the number listed below. We do not charge for copies of consumer reports.  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.

Early Warning Services received a complaint from Ms. [redacted] through the Revdex.com of Central, Northern and Western Arizona.  The complaint stated that Ms. [redacted] is a victim of identity theft and that Early Warning is reporting bank information under a discontinued social...

security number. First, Early Warning apologizes to Ms. [redacted] if she felt that she was treated in less than a professional manner.  We are reviewing the call recordings to ensure that our high standard of service quality was upheld during all interactions with our company. The information reported to Early Warning by SunTrust Bank was reinvestigated and found to be accurate in November of 2014.  Our reinvestigation of the reported information established that the account was opened by Ms. [redacted] in August 2011, and that the information is accurate as of the time the account was opened.  The August 2011 date is prior to the issuance of a new social security number on October 25, 2011. To ensure that all information in this matter has been considered, we have again opened a reinvestigation with SunTrust Bank.  We have provided to SunTrust Bank copies of Ms. [redacted]’s complaint, a copy of a City of Atlanta Police Incident Report dated February 26, 2008, a copy of court documents relating to the 2007 identity theft incident, and information on the issuance of a new social security number on October 25, 2011.  A notice of the outcome and an updated copy of the file will be provided to Ms. [redacted] at the conclusion of the reinvestigation.

Dear Curshell Morgan,   This letter is in response to your Revdex.com follow-up complaint, received on 06/21/2017.   In your complaint, you stated that you have received letters from three (3) different banks in the last nine (9) months, specifically [redacted], and [redacted], letting you know that your disputes have been resolved. However, you are still in Early Warning’s system.   In reviewing our records, you previously disputed these records in November of 2016. As previously noted, the records for [redacted] were removed. However, [redacted] and [redacted] disputes came back from the financial institutions as accurate and therefore remained on your Early Warning consumer report. Based on the new information you provided in your complaint (identifying the financial institutions that provided you with letters), we are reinitiating the dispute process for you with [redacted] and [redacted].   Under the Fair Credit Reporting Act, Early Warning and the financial institutions have up to thirty (30) days to complete the reinvestigations of your disputes. If possible, we recommend that you send us copies of the letters you mentioned in your complaint and we can append them to your disputes as supporting documentation (please refer to our previous response for instructions on sending documents to us).  Early Warning will notify you in writing of the outcome of your disputes once completed.   If you’d like a copy of your consumer report, please don’t hesitate to contact us at the number listed below. We do not charge for copies of consumer reports.  If you have any additional questions or concerns, we encourage you to contact us by phone at [redacted]5 between the hours of 8am and 5pm MST, Monday through Friday. Our consumer services representatives are available to assist you.

Ms. [redacted] submitted a complaint through the Revdex.com (Revdex.com) stating that she has contacted Early Waring several times regarding being a victim of identity theft.  She also indicated that as such, she should be immediately removed from Early Warning’s files. Early Warning has...

completed a review of Ms. [redacted]’s file.  Our case notes indicate the last contact with Ms. [redacted] was on March 4, 2015, in response to a complaint filed through the Revdex.com (#[redacted]).  At that time, Early Warning attempted to make telephonic contact with Ms. [redacted].  We were unable to make contact because both telephone numbers supplied in the Revdex.com complaint were not in service.  Follow up was effected by U.S. mail. On November 17, 2016, we have again attempted to make contact with Ms. [redacted] using the telephone number supplied in the Revdex.com complaint.  Based on the information supplied in her complaint, we have also submitted the complaint documentation to reporting banks in dispute of their reported information.  Because Ms. [redacted] has not provided to Early Warning documentation to support her claim if identity theft, the dispute is being conducted as a 30 calendar day reinvestigation.  The outcome will be provided to Ms. [redacted] on or before the end of the reinvestigation period.

Ms. [redacted] 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 Warning. Early Warning completed a review of the information in Ms. [redacted]’ 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. [redacted]’ file on October 29, 2015. During our review we did not find a dispute of the account information reported by SunTrust Bank.  Based on the comments submitted by Ms. [redacted], we have forwarded the complaint as a dispute of the information to SunTrust Bank.  The outcome of the reinvestigation will be reported to Ms. [redacted] within the next 30 calendar days. A copy of Ms. [redacted]’ file was provided to her by U.S. mail on February 3, 2017.

[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.]
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]

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/false information on your Early Warning consumer report and that you need the negative/false information removed. Early Warning supports consumers' rights...

to dispute and correct inaccurate or incomplete information furnished to us in accordance with the Fair Credit Reporting Act. You may submit a written dispute, identifying the records you believe are inaccurate or incomplete, by using any of the below channels. We do not charge a fee for investigating disputed information. To 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.* 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.

Mr. [redacted],  Due to space limitations in the response field please see the attached PDF for Early Warning fill reply.  Sincerely, Consumer Services

Dear Ms. [redacted],This will respond to your complaint submitted through the Revdex.com (Revdex.com) on March 11, 2017.  The statement of the problem in your complaint indicates that you are, “on collection and chexsystems”.  Early Warning is a specialty consumer reporting agency, and...

does not engage in collection activities.  We also do not have any connection with Chex Systems.Based on our recent communications, we are generating a copy of your file at Early Warning for you.  When completed it will be sent to you by U.S. mail.  Upon receipt, you will be able to review the information and dispute any information you believe to be inaccurate or incomplete.  Instructions for submitting a dispute is included in the disclosure.In the meantime, should you have any questions, please contact us at [redacted].

Dear Early Warning Services LLC,                                         ...⇄ I do not agree with your answer and response to my complaint against your company. As a nationwide specialty consumer reporting agency  that complies with applicable Fair Credit Reporting Act (FCRA) regulations.  Financial institutions provide information about checking and savings account history and activity. We support consumers' rights to dispute and correct inaccurate or incomplete information furnished to Early Warning in accordance with the FCRA. Per  Early Warning Service LLC, website; and my consumer right the company should be able to furnish a copy to me  the actual document that is being reported against me to potential creditors. The Fair Credit Reporting Act (FCRA) regulations states that the reporting company should be able to furnish a copy of the actual documentation being reported  and if the actual documentation can not be furnished then the negative information being reported has to be deleted and or corrected by the reporting agency. EWS is the reporting agency of the negative information file for Bank of America. I should not have to contact Bank of America for the information since ESW is the company reporting the negative file and preventing future credit to potential creditors. I request that if  Early Warning Services LLC (EWS) can not furnish me a copy of actual documentation  my consumer rights regulated by Fair Credit Reporting Act (FCRA); then I request that the negative file and information is deleted from your files . Sincerely, [redacted]

Dear [redacted]: This will respond to your complaint filed with the Revdex.com of [redacted] received on November 25,2014. Early Warning provides information to banks, including [redacted] Bank, for the purpose of making decisions regarding the...

availability of funds deposited by you. However, as noted in the second paragraph of the [redacted] Bank Funds Availability Notice, "Early Warning Services did not take part in our decision and is therefore unable to supply specific reasons as to why we ([redacted] Bank) are delaying the availability of the funds," Further, if the deposited check is drawn on an account owned by you or that you are an authorized signer, you are entitled to a full disclosure of all of the information in you file at Early Warning, To begin the process of obtaining a file disclosure, please contact us at [redacted]. If you have questions regarding the availability of funds, please refer to the last page of the [redacted] Bank Funds Availability Notice provided to you or call [redacted] at [redacted] for business accounts or [redacted] for personal accounts. Should you have any further questions, please contact us.

[redacted] case file notes the last date of contact as March 27, 2008.  We do not show that the contributed information to the file has been disputed by [redacted].  We have not recieved a copy of the police report noted in the complaint.  Early Warning...

will be reaching out to [redacted] to update the file and provide a file disclosure.

Dear [redacted],Thank you for contacting Early Warning. I would like to assure you that we are committed to providing a convenientand positive experience throughout this process.This letter is in response to your Revdex.com complaint, received on 06/15/2017.In your complaint, you stated that you...

received information from three (3) different banks indicating you’ve beencleared of any issues. However, you are still in Early Warning’s system and would like to be removed.Early Warning is a nationwide specialty consumer reporting agency that complies with applicable provisions of theFair 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, [redacted], 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, haveused our services to assist them in the detection and prevention of fraud associated with bank accounts and paymenttransactions. As a consumer reporting agency, financial institutions provide information to us about checking andsavings account history and activity. The FCRA does not provide consumers with the ability to "opt out" of havingfinancial institutions report their banking history to us nor are consumers able to "opt out" of Early Warning issuingconsumer reports about them to entities with permissible purpose.In reviewing our records, you previously disputed multiple records with various financial institutions in November andDecember 2016. At that time, your disputes were promptly forwarded to the corresponding financial institutions forreinvestigation. Upon completion of the reinvestigations, two financial institutions ([redacted] and [redacted]) assertedthe records provided were accurate based on account information/documentation maintained by the financialinstitutions. You were notified in writing of the outcome of the reinvestigations by Early Warning on November 2016and December 2016.If you are seeking to dispute new records on your Early Warning consumer report or you have new or additionalinformation/documentation to support previously disputed records, please send us your dispute(s) using any of thebelow methods and we will further investigate your dispute(s). In your dispute(s), please identify the records youbelieve to be inaccurate or incomplete and provide any documentation you have to support your dispute(s). To avoidany delays in processing your dispute(s), you may find our dispute checklist helpful,https:[redacted]? Electronically through our secure communication portal: https[redacted]? By fax: [redacted]? By mail: Early Warning, Attn: [redacted]If the previously completed reinvestigation(s) did not resolve your dispute(s), you may file a brief statement(s), withEarly Warning, setting forth the nature of your dispute(s) and your statement(s) will be provided with future consumerreports 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 [redacted] betweenthe hours of 8am and 5pm MST, Monday through Friday. Our consumer services representatives are available to assistyou.SincerelyConsumer Services Department

[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.]
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]

Dear [redacted],Thank you for contacting [redacted]. 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 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.