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Early Warning Services

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Early Warning Services Reviews (148)

I have discussed this with US Bank and am completely disturbed to find out that Early Warning has informed them that their request for my removal from this service was NOT up to US Bank that it is at the sole discrestion of Early Warning. Talk about an overreach of powers. US Bank has requested full removal and Early Warning is not complying with that request. I cannot begin to comprehend any response from Early Warning other than immediate and full removal. This company has not proven to be anything other than shady given such. This has been under "reinvestigation" since October!

Early Warning is allowed, as authorized by the Fair Credit Reporting Act (Act), to collect and report certain types of information relating to consumers.  The Act does not require Early Warning to provide pre-notification or to obtain the consumer’s authorization prior to the collection of the...

data.  Further, the Gramm-Leach-Bliley (GLB) Act provides exceptions to notice and opt out requirements when the information is used to protect against or prevent actual or potential fraud, unauthorized transactions, claims, liability, or institutional risk control. As a consumer reporting agency (CRA), Early Warning follows strict guidelines regarding the accuracy and disclosure of the information maintained in our files.  Consumers may obtain a free copy of their file and dispute the accuracy of information contained in their file.  Mr. De Wyke was afforded the opportunity to obtain a copy of his file on February 24, 2010, and again on April 1, 2015.

The reinvestigation of the accuracy of the information contributed by BBVA Compass Bank was completed on April 6, 2015.  At that time, Mr. [redacted] was notified of theoutcome and that the information would remain in his file at Early Warning.  The accuracy of the contribution was based...

onthe following:·        Mr. [redacted] was the sole signer on the account.·        Mr. [redacted] opened the account as the company owner, principal, and executive officer.·        State documentation lists Mr. [redacted] as the company incorporator and registered agent.

We are in receipt of your correspondence dated May 13, 2016 regarding [redacted]. Early Warning is a consumer reporting agency. The information in our database is contributed by financial institutions in regards to how accounts are managed. Mr. [redacted] contacted Early Warning on May 9, 2016....

This call started the initial steps of requesting a consumer report. Under the Fair Credit Reporting Act, we are required to positively identify a consumer through the completion of a Consumer Identification form. Once this form has been returned, Early Warning would mail the consumer a copy of their report. As of today, we have not received the completed paperwork to fulfill his request to dispute the record. Based on Mr. [redacted]’s concerns about the representative speaking harshly to him, the Early Warning leadership has reviewed the call and will provide appropriate coaching. We appreciate him making us aware of his experience and are continually working to improve our service. I have left a message for Mr. [redacted] to return our call to finish the process as soon as possible. His original inquiry did not disclose he was a victim of identity theft, I have since updated his file to expedite research once he has been verified. We have mailed an Identity Theft resource letter to assist in notifying other agencies. Please let me know if you have any additional questions.  Joe M[redacted]  |  Director – Call Center Management

Consumer complaint:  [redacted]On November 7, 2014, Early Warning received a reinvestigation request regarding information placed in Ms. [redacted]’ file by [redacted].  As required under the FCRA, the furnishing bank ([redacted]) and Early Warning conducted...

a reinvestigation.  The reinvestigation determined the information to be accurate.  Ms. [redacted] requested “copies of any documentation and identification used and any signed signature forms associated with these ‘NSF’ bearing my signature.”  On December 3, 2014 Early Warning notified Ms. [redacted] of the accuracy of the reporting and explained that Early Warning does not maintain bankdocuments. The contact information at [redacted] Bank was also provided so she may obtain the documentation she requested.It was also communicated to the consumer on December 3, 2014 that:If the reinvestigation does not resolve your dispute regarding the accuracy or completeness of the report, you may submit a brief written rebuttal statement setting forth the nature of your dispute.  See your File Disclosure for additional information. Upon your written request(s) Early Warning will:1.   Furnish a copy of your updated report, including the rebuttal statement, to parties who have received a copy of your file during the preceding two years for employment purposes or during the preceding six months for all other purposes.2.   Provide you with a copy of our reinvestigation procedures, including the contact information for any furnisher information.When reviewing the consumer’s file, Early Warning did not find a request for a copy of our procedures however, based on the complaint filed with the Revdex.com, Early Warning will forward a copy of procedures relating to the reinvestigation.  As a matter of information Early Warning is not engaged in debt collection.

In the complaint submitted through the Arizona Revdex.com, Mr. B[redacted] indicated that Early Warning has placed a “collection” in his file without contacting him.  Early Warning is a consumer reporting agency and does not engage in the collection of consumer debts. Mr....

B[redacted]’s file notes that he contacted Early Warning about the contributed record on March 8, 2016.  At that time, information was obtained from him and the process of issuing a disclosure of his file was initiated.  We have submitted a copy of the complaint received through the Revdex.com on March 9, 2016, to the Furnisher in dispute of the accuracy of the contributed record.  The outcome of the reinvestigation will be reported to Mr. B[redacted] before the end of the 30 day reinvestigation period and allowed by the Fair Credit Reporting Act.

Early Warning has reviewed the response submitted by Mr. [redacted].  Based on the information provided, Early Warning is declining to remove the information contributed by USAA.  Our decision is based on the following reasons: ·         The USAA and Mr. [redacted] have confirmed that the account ending in 4066 is closed, ·         The account holder information related to the USAA account matches Mr. [redacted]’s information, and ·         Mr. [redacted]’s response does not offer any new information on the accuracy of the information If Mr. [redacted] has new information bearing on the accuracy of the information reported by USAA about the account ending in 4066, Early Warning will reinvestigate the information as required by the Fair Credit Reporting Act.

We are in receipt of Ms. [redacted]’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. [redacted]’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...

Mr. A[redacted] submitted a complaint asserting that Early Warning is reporting a fraud situation barring him from opening a bank account. He has claimed to be a victim of a roommate trying to deposit a check that he had previously deposited through electronic means. On June 8, 2016, Early...

Warning received a dispute of the information submitted by the [redacted] regarding the account ending in #[redacted]. The dispute was forwarded to the [redacted] in support of Mr. A[redacted]'s request for reinvestigation. The outcome of the reinvestigation confirmed the accuracy of the information provided to Early Warning.  The determination was made based upon account history and the period of time over which the activity took place.  A notification of the outcome was mailed to Mr. A[redacted] on July 1, 2016.  Specific information regarding the reason for the account closure and reporting can be obtained by calling [redacted] Recovery Management at 877-[redacted].

Mr. [redacted] 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. [redacted] believes that the decline is based on false information reported by Early Warning Services. The information reported about the USAA account ending in 4066 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. [redacted] by U.S. mail 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.e. the 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, 2008 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, 2010.
Based on the information noted above, we have determined the information Early Warning is reporting about Mr. [redacted]’s USAA account ending in 4066 is accurate.  Users of consumer information may access multiple sources of data in their decision process, we suggest that Mr. [redacted] contact Fidelity Investments to discuss their decision for declining to establish the money transfer option for his brokerage account.

I wish to be removed immediately

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 30 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. [redacted].
The reporting banks and Early Warning are in the process of reinvestigation the information provided to Ms. [redacted]’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. [redacted] on November 23, 2016.

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

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.

As a consumer reporting agency, Early Warning is required to positively identify a consumer prior to disclosing or reinvestigating any information relating to a consumer's file.  Prior to contacting the Revdex.com of Central, Northern, and Western Arizona (Revdex.com), Ms. [redacted] had not...

contacted Early Warning.  Based on Ms. [redacted]'s initial contact of April 11, 2014, a copy of Early Warning's Consumer Identification and Certification form was e-mailed to her.  A follow up was also sent to her on April 17, 2014, by U.S. mail.  As of this date, we have not received a response from her.  Upon receipt of a completed copy of the form and identification, a complete file disclosure including instructions for disputing inaccurte information will be forwarded to her.Attached is a copy of our recent follow up to her.

Early Warning has attempted to reach out to Mr. B[redacted] 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.  Mr. B[redacted] may contact me...

directly at [redacted] or [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.

I have reviewed the response made by...

the business in reference to complaint ID [redacted], 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,[redacted]

As a consumer reporting agency, Early Warning is required to positively identify a consumer prior to disclosing or reinvestigating any information relating to a consumer's file.  Prior to contacting the Revdex.com of Central, Northern, and Western Arizona (Revdex.com), Ms. [redacted] had not...

contacted Early Warning.  Based on Ms. [redacted]'s initial contact of April 11, 2014, a copy of Early Warning's Consumer Identification and Certification form was e-mailed to her.  A follow up was also sent to her on April 17, 2014, by U.S. mail.  As of this date, we have not received a response from her.  Upon receipt of a completed copy of the form and identification, a complete file disclosure including instructions for disputing inaccurte information will be forwarded to her.Attached is a copy of our recent follow up to her.

Consumer complaint:  [redacted]On November 7, 2014, Early Warning received a reinvestigation request regarding information placed in Ms. [redacted]’ file by [redacted].  As required under the FCRA, the furnishing bank ([redacted]) and Early...

Warning conducted a reinvestigation.  The reinvestigation determined the information to be accurate.  Ms. [redacted] requested “copies of any documentation and identification used and any signed signature forms associated with these ‘NSF’ bearing my signature.”  On December 3, 2014 Early Warning notified Ms. [redacted] of the accuracy of the reporting and explained that Early Warning does not maintain bankdocuments. The contact information at [redacted] Bank was also provided so she may obtain the documentation she requested.It was also communicated to the consumer on December 3, 2014 that:If the reinvestigation does not resolve your dispute regarding the accuracy or completeness of the report, you may submit a brief written rebuttal statement setting forth the nature of your dispute.  See your File Disclosure for additional information. Upon your written request(s) Early Warning will:1.   Furnish a copy of your updated report, including the rebuttal statement, to parties who have received a copy of your file during the preceding two years for employment purposes or during the preceding six months for all other purposes.2.   Provide you with a copy of our reinvestigation procedures, including the contact information for any furnisher information.When reviewing the consumer’s file, Early Warning did not find a request for a copy of our procedures however, based on the complaint filed with the Revdex.com, Early Warning will forward a copy of procedures relating to the reinvestigation.  As a matter of information Early Warning is not engaged in debt collection.

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Address: 16552 N 90th St, Scottsdale, Missouri, United States, 85260-1619

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