Early Warning Services, LLC CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
03/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • GA
  • 30016
Web
XXXX CFPB TOP PDF XX/XX/XXXX I, XXXX XXXX. The Consumer submitted a complaint asking all credit agencies to stop violating My privacy by posting alleged debt on their private sites. ( e.g. EARLY WARNING SERVICE LLC.is a private company owned by XXXX XXXX XXXX XXXX, ETC. ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.are not Bureau 's and are only agencies of the BUREAU. When I stated the account in question in last complaint I meant " EVERY SINGLE ACCOUNT '' DEBT PAYMENT HISTORY ETC '' that XXXX XXXX XXXX continues to post I will hold the CFO personally liable as notice to agent is notice to principle. the individual who's privacy is being violated pursuant to the EQUAL CREDIT OPPORTUNITY ACT THE FEDERAL RESERVE ACT, THE PRIVACY ACT, every transaction relies upon the " FULL FAITH & CREDIT '' of the united states. Im invoking Consumer protection laws for : Delete, Block and Remove Listed XXXX XXXX XXXX Charge off / Closed Account Balance - {$87.00} Balance updated XXXX XXXX, XXXX Credit limit - {$500.00} Account info - Account number - XXXX Open/closed - Closed Date opened - XX/XX/XXXX XXXX XXXX Code XXXX XXXX Definitions and application The Federal Government took away our lawful money ( silver & gold ) in XXXX but Congress had to provide the people a remedy. Public Law : Chap. 48, 48 Stat. 112 under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar. That the giving a ( federal reserve ) note does not constitute payment. That the use of a ( federal reserve ) Note is only a promise to pay. That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189. I can't provide exact dates because I have been trying to get this matter settled with XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, EARLY WARNING SERVICE LLC AND XXXX XXXX for many years. As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. I am submitting one Administration Judgment ( documentation ) for proof and the account should be discharged. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of 1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been almost 6+ years and this firm is still continuing to report false information on the report. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) Imay presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages. I am comprehending that the credit reporting agencies, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.And XXXX, XXXXMUST delete ALL accounts that I have reported as fraudulent regarding identity theft within FOUR ( 4 ) days of my report, and NONE OF THEM HAVE DONE SO, violating the laws that are placed to protect consumers.15 U.S. Code 1681c2 - Block of information resulting from identity theft. : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency> My reporting was NOT in ERROR, so the reporting agencies have NO right under the law to continue to " report '' my PRIVATE information for the public corporations to see. Because of this fact. I am concerned about the validity and accuracy of of the accounts that are reporting on my credit report. I am requesting a investigation because I feel the items are not being reported legally. I received a copy of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.credit reports containing the following inaccurate and incomplete items : Delete 1- XXXX XXXX XXXX Charge off / Closed Account : - Account number - XXXX. Why are you disputing this account? Account is not accurate Reason ( s ) for dispute : 1 ) There were fraudulent charges made on this account Additional Comments : Motion Remedy Claim for Damages in Re : Pub Res No. 10 Public Law Ch 48, 48 statute 112, Pub Law 7310, HJR 192, 31 USC 3123, 5103, 5312,18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 ( a ) 8 Penalty, Privacy Act of 1974 12 USC 3401, Right to Fianancial Privacy Act of 1978 5 USC section 552 ( a ), Third Party Summons Act Special Procedures 26 USC section 7609 Delete 2XXXX XXXX XXXXXXXX XXXX Account number XXXX. Why are you disputing this account? Account is not accurate Reason ( s ) for dispute : 1 ) There were fraudulent charges made on this account Addtional Comments : Motion Remedy Claim for Damages in Re : Pub Res No. 10 Public Law Ch 48, 48 statute 112, Pub Law 7310, HJR 192, 31 USC 3123, 5103, 5312,18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 ( a ) 8 Penalty, Privacy Act of 1974 12 USC 3401, Right to Fianancial Privacy Act of 1978 5 USC section 552 ( a ), Third Party Summons Act Special Procedures 26 USC section 7609I disputed every negative items on my credit report several times, I also provided accurate information for the reasons why I'm not liable for those debts according to the law, I'm full aware that all these corporations, including this very one I'm utilizing for the complaint is using a name not associated with me, I've stated I'm not a ALL CAPITAL LETTERS CORPORATION or 14th Amendment Citizen, I'm a free National, most of those debt collectors aren't a party to the matter, they brought the debt from the original creditor, I never signed a contract with any of them, and for your organization to confirm anything from those debt collectors is fraud, because they're using a name similar to mines, who isn't me, I've also reserved my rights ... UCC 1-308, I've quoted HJR 192, and only Congress can coin and make legal tender, Credit is not legal tender, I have grounds to sue these debt collectors or any organization who uses my name without my consent, and committing fraud.According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. These accounts still states accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. Again according to Hjr 192 the US Congress passed the Emergency Banking Act. It was also announced by the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt.See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938 , 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also, according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress. The two provisions that empower XXXX to consider any business or agency as a financial institution the 1st is if it engages in any activity that is similar to, related to, or a substitute for any activity in which any business described above is authorized to engage. 31 CFR Section 5312 ( a ) ( 2 ) ( Y ). The second authorizes XXXX to designate any other business as a financial institution if that business has cash transactions that have a high degree of usefulness in criminal, tax, or regulatory matters. See 31 CFR Section 5312 ( a ) ( 2 ) ( Z ). As is evident from the list above, the regulations and reporting requirements implemented pursuant to the BSA apply broadly to the financial activities of many businesses and not just banks. As such, the financial activities of a very broad cross-section of the economy can come under the scrutiny of the federal government. Every customer at a car dealership, travel agency, casino, insurance company, or bank is at risk of having a SAR be secretly filed about their financial activities. Given the existence of such scrutiny, all financial institutions and their customers should be cognizant of XXXX and XXXX regulations. Compliance with all regulations is critical to protecting oneself and ones business. Moreover, making finance arrangements that lessen risk, such as avoiding the use of unlicensed money transmitters, is another way to avoid unwarranted investigatory attention. XXXX XXXX CFPB TOP PDF XXXX CFPB BOTTOM XX/XX/XXXX Charged off accounts that are fraudulent transactions The OFFICE OF COMPTROLLER OF THE CURRENCY ( OCC ) And FEDERAL TRADE COMMISSION Were Contacted And Reports Were Generated For the Following Accounts Associated Which The Stated Banks/ Financial institutions. XXXX XXXX XXXX Charge off / Closed Account -Account number - XXXX XXXX XXXX XXXX - Account number XXXX In Addition There are a bunch Inquiries that need to be removed. I DID NOT AUTHORIZE All Inquiries listed on my consumer report to be removed 1XXXX main! 2. XXXX XXXX The doctrine of privity contract ( s ) is a common law principle which provides that a contract can not confer rights or impose obligations upon any person who is not a party to the contract. The premise is that only parties to contracts should be able to sue to enforce their rights or claim damages as such. Res Judicata : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON XXXX XXXX XXXX XXXX CONTRACT, FOR DETERMINATION 'UNCONSCIONABLE CONTRACT ' AND AGREEMENT FOR COMMERCIAL DISCHARGE, I am in receipt of and conditionally accept for value ( honor ) " Demand For Payment Of Debt '' It has come to my attention that as applied to the above matter, that there may not have been a true qualified 'meeting of the minds, ' that there may be fraud or misrepresentation on the contract and/or the contract itself may be an unconscionable contract, or other controversies that may exist within this contract/transaction. As I want to resolve this matter as soon as possible, I am initiating this private-administrative remedy to determine such matters and I do not agree to make payment ( s ) predicated upon your claim. This Equality of Opportunity is to let the lawful record of 15 USC 1992 ( a ) Abusive practices ( b ) Inadequacy of laws ( c ) Available non-abusive collection methods ( d ) Interstate commerce ( e ) Purposes, required by FEDERAL LAW. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. FDIC Law, Regulations, Related Acts. https : //www.fdic.gov/regulations/laws/rules/8000-1250.html USC 1306 . The FTC 's Bureau of Consumer Protection Act ( s ). This Equality of Opportunity is to let the lawful record of The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), reflect that you are required by federal and state law to verify through the physical verification of the original signature of consumers contract any and all accounts you post on any of my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. PROOF OF SIGNATURES AND STATUS AS HOLDER IN DUE COURSE. I demand to see Verifiable Proof of my original Consumer Contract with my Signature on the instrument you have on file of the accounts listed. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account ( s ) listed below. See Attached Instrument ( s ) Proof Of Claim Proof Of Delivery Rescind Debt, Discharge Debt In Accordance To HJR 192 Act of 1933. IRS codes section 1.1001-1 ( 4657 ) C.C.H. states that Federal Reserve Notes ( Dollars ) are valueless. The only lawful money of the United States Of America are gold and silver coins with 1 oz. The Business of Banking. The business of banking, as defined by law and custom, consists in the issue of notes intended to circulate as money..And defines a Bankers Note as : A commercial instrument resembling a bank note in every particular except that it is given by a private banker or unincorporated banking institution. A Person is a Financial Institution ; Unincorporated Banking Institution ; and Financial Agency pursuant to 31 U.S.C. 5312 and a U.C.C. - ARTICLE 3 - NEGOTIABLE INSTRUMENTS.. Acceptance Promissory Note under ( U.C.C. 2-304 ) that states, The price can be made payable in money or otherwise. IRS codes section 1.1001-1 ( 4657 ) C.C.H. states that Federal Reserve Notes ( Dollars ) are valueless. The only lawful money of the United States Of America are gold and silver coins with 1 oz Of pure gold or silver as per Articles VIII and X of the Constitution For the United States of America. or lender promissory notes requiring legal money that is not true money such as : bank checks, cash, check, money orders, attorney checks, bank transfers, wire transfers, FEDERAL RESERVE PROMISSORY NOTE DOLLARS, cashier checks, and certified checks from a bank, attorney, or escrow company are illegal pursuant to Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258 ( ). Contracts requiring legal money such as cash, check, money orders, bank transfers, wire transfers, and Federal Reserve Notes ( DOLLARS ) are illegal and unlawful by Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258. All debts today are discharged by promises to pay in the future. All Federal Reserve Notes, DOLLARS, are registered securities and promise to pay in the future. FRNs are secured by the utility of alive men 's energy or labor. When quoting U.C.C. statutes, the courts require them to be quoted with State or Federal statute designation. U.C.C. codes are United Nations statutes, but are codified in every local jurisdiction. In accordance with XXXX XXXX. XXXX and XXXX XXXX XXXX, such Note instruments are national bank currency and thereby coin or currency of the United States by statutory definition and can be issued by who are banking members of the XXXX and are THE EQUIVALENT OF MONEY as per XXXX XXXX XXXX ( L ) and must be accepted by all banks and financial institutions as payoff, set off, discharge, and full settlement of all debts and loans. Failure to remove this debt will result in legal action HJR XXXX ACT OF XXXX PUBLIC LAW XXXX XXXX U.S.C. XXXX - XXXX XXXX - XXXX XXXX XXXX. XXXX and XXXX XXXX. Payment of obligations and interest on the public debt.. Payment of obligations and interest on the public debt ( a ) The faith of the United States Government XXXX pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( b ) The XXXX of the Treasury shall pay interest due or accrued on the public debt. As the XXXX considers expedient, the XXXX XXXX pay in advance interest on the public debt by a period of not more than XXXX year, with or without a rebate of interest on the coupons. ( c ) ( XXXX ) The XXXX XXXX issue a bond, note, or certificate of indebtedness authorized under this chapter whose principal and interest are payable in a foreign currency stated in the bond, note, or certificate. The XXXX XXXX dispose of the bonds, notes, and certificates at a price that is at least par value without complying with section XXXX ( b ) ( d ) of this title. ( XXXX ) In determining the dollar amount of bonds, notes, and certificates of indebtedness that XXXX be issued under this chapter, the dollar equivalent of the amount of bonds, notes, and certificates payable in a foreign currency is determined by the par of XXXX XXXX value on the date of issue of the bonds, notes, or certificates as published by the Secretary under SECTION XXXX OF THIS TITLE. ( XXXX ) The XXXX XXXX designate depositaries in foreign countries in which any part of the proceeds of bonds, notes, or certificates of indebtedness payable in the foreign currency XXXX be deposited. CITE AS : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX requirements- XXXX ). ( F ) In order to prevent evasions of the reserve requirements imposed by this subsection, after consultation with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the Comptroller of the Currency, and the XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX Federal Reserve XXXX is authorized to determine, by regulation or order, that an account or deposit is a transaction account if such account or deposit XXXX be used to provide funds directly or indirectly for the purpose of making payments or transfers to third person. ( XXXX XXXX XXXX XXXX ) This erroneous entrys is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. Please respond accordingly, A PERSON is a Financial Institution ; Unincorporated Banking Institution ; and Financial Agency pursuant to 31 U.S.C. 5312 and a Acceptance Promissory Note under ( U.C.C. 2-304 ) tha FTC ATTACHED. The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. Federal Deposit Insurance Corporation ( FDIC ), independent U.S. government corporation created under authority of the Banking Act of 1933 ( also known as the Glass-Steagall Act ), with the responsibility to insure bank deposits in eligible banks against loss in the event of a bank failure and to regulate certain banking... The Federal Trade Commission 's Credit Practices Rule states that it is... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission 's Credit Practices Rule states that it is... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission has filed a complaint charging a mortgage spamming operation with violating federal laws by using an array of ... According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. These accounts still states accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. Also according to Hjr 192 IN 1933! the US Congress passed the Emergency Banking Act. It was also announced to the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt.See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938 , 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also, according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress. In XXXX Tendered payments WERE ISSUED TO XXXX XXXX XXXX with proof of service and signatures required signed by all creditors. The law states that if the payment is not accepted then XXXX XXXX has five days to return that payment to me with lawful reason for denying it. XXXX XXXX XXXX has failed to do so. In fact it has been [ 96 ] days and the Tender of Payment has yet to be mentioned by XXXX XXXX XXXX XXXX. If the payment is not returned then it is implied that the payment was tendered and received and they collected from the US Treasury and or at Any Federal Reserve Bank. It is left to be implied due to the amount of time given to XXXX XXXX XXXX XXXX. which is well passed the five day time to respond. Attached are the FDCPA laws. ALSO, The new law states " Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83. Therefore all are hereby notified that i XXXX XXXX do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. i have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. Rather it has been over [ 96 ] days and nothing has posted as paid tendered or discharged and this disables me by way of doing business employment and living free. XXXX XXXX XXXX XXXX. has notified the Credit Reporting Agency. that i am late to a debt that was paid in full as of i have the CFPB COMPLAINT ID NUMBERS attached which is the delivery proof which is undeniable, and therefore the payment was received on time and is not late, as well the payment format was never returned to me. If XXXX XXXX XXXX XXXX, has decided to deny the payment then the debt obligation is DISCHARGED! So again! I am writing you about inaccuracies that are being inequitably furnished by XXXX on my Consumer Report. These inaccuracies damaged my right to extend credit. I am being discriminated against by a long list of apartment complexes solely due to harmful information on my consumer report. According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and am informing you that I NEVER gave consent to this report being furnished by you on my behalf. I am aware of the fact that your organization ASSUMED a vital role. Because of this, my livelihood has been adversely affected. There is no law that states anything needs to be reported to a consumer reporting agency. Therefore, XXXX is liable under 15 USC 1681n. 15 USC 1681 ( a ) ( 4 ), clearly states that consumer reporting agencies MUST exercise their grave responsibilities with fairness, impartiality, and RESPECT for THE CONSUMERS RIGHT TO PRIVACY. Your organization neither exercised its responsibilities with fairness and impartiality NOR protected MY right to PRIVACY. Please show me the law where it states a credit reporting agency may report non public personal information on a consumer without consent. I called and spoke to your representatives several times to remedy this. Ive lost countless hours since XXXX to this. Ive lost sleep, nutrition, a portion of my moving money, and am STILL suffering from mental anguish and anxiety every day as a result of this. Ive been XXXX assaulted by an XXXX driver. Something that wouldve never happened if it werent for you people. Available homes I am qualified for are being rented by others as my reputation continues to be affected by these inaccuracies and without my consent. I have a deadline to move by XX/XX/XXXX and My safe livelihood is at stake and I am at risk of homelessness because of YOU not PROTECTING MY RIGHT TO PRIVACY and furnishing non-public personal information WITHOUT MY CONSENT. You should be ashamed for operating in a way that puts consumers lives at risk, blatantly committing fraud, and aggressively violating consumer rights to privacy. I am requesting proof that XXXX investigated any negative items you furnished to my consumer report. This grave step affects my reputation. Pursuant to 15 USC 1681a ( e ) an investigative consumer report would mean you conducted interviews with family and friends. You must not rely on information from a creditor. In the FCRA, 15 USC 1681a ( e ) clearly states that an investigative consumer report is ; obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information SHALL NOT include factual information on a consumers credit record OBTAINED DIRECTLY FROM A CREDITOR of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Further, pursuant to 15USC 6802 ( b ) I was supposed to be given a disclosure to opt out of my non public personal information being reported by a non affiliated third party. I was not given this disclosure. Further, pursuant to 15 USC 1681b credit reporting is voluntary. I did NOT consent neither did I provide written notice to you to report account status. Pursuant to 15 USC 1666b timing of payments, a creditor MAY NOT treat a payment on a credit card under an open ended credit plan as late for ANY PURPOSE. Pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand you to do the following today ; Block and Delete the following XXXX XXXX XXXX Charge off / Closed Account -Account number - XXXX XXXX XXXX XXXX - Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX I the living man have demanded these accounts be VALIDATED ( not a verification ) WITH ORIGINAL CONTRACTS or DOCUMENTS WITH MY ( WET SEAL SIGNATURE ) on them on a CERTIFIED COPY OF the TRUE BILL ( not a statement ) or REMOVE ACCOUNTS IF THEY CAN'T BE VALIDATED. SEND ME PROOF BY EMAIL to XXXX and by CERTIFIED MAIL to XXXX XXXX XXXX XXXX, XXXX Georgia XXXX WITH TRACKING NUMBER I Demand that of the listed accounts update. The Trading with the ememy acct. By 28 U.S Code & 3002 / UCC 1 308, HJR 192 1933 and US Constitution Article 1 Section 10... I the living man demand that FRAUDULENT ACCT. ( XXXX ) XXXX XXXX XXXX Charge off / Closed Account - Account number - XXXX FRAUDULENT ACCOUNT ( 2 ) XXXX XXXX XXXX - Account number XXXX All Inquiries are Disputed as FRAUDULENT and need to be VALIDATED XXXX XXXX Inquiry date XX/XX/XXXX. / Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX / Removal date XX/XX/XXXX I the living man wants all accounts to be VALIDATED that I the living man was giving money when it No money as the country is Bankrupt and in Bankruptcy it has, been no money snice all the GOLD & SILVER was taken and the BANKRUPT XXXX XXXX XXXX is pushing worthless paper as money when its no money so how is the living man supposed to pay with money when its no money only FIAT CURRENCY when I the living man is the Grantor and Beneficiary of the ESTATE for the ALL CAPS NAME called XXXX XXXX XXXX i'm not the ALL CAPS NAME e.g I'm the only legally Authorized Representative that can sign for the ALL CAPS NAME these accounts claim all accounts all been VALIDATED, WITH CERTIFIED COPY OF THE TRUE BILL & ORIGINAL CONTRACT DOCUMENTS THAT HAVE MY WET SEAL SIGNATURE ON THEM I DEMAND ALL OF THIS PROOF TO BE SENT TO Either of THE LIVING MAN addresses listed. I DEMAND TO SEE THIS PROOF ASAP and I need this to be stated on the record for equity court as I the living man will file suit and make an special appearance in court to have these accounts to be VALIDATED, Certified Copy of TRUE BILL and the Original Contract & Documents that ho
09/14/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 91744
Web
XX/XX/2019 Parties Involved Zelle XXXX XXXX XXXX I was a victim of a rental scam. Since I was scammed I have been following the group of XXXX doing the rental scams on XXXX. They make fake XXXX accounts. These accounts are normal made a few days in advance, with no friends but a few XXXX liking the picture. All the XXXX in this group of scammers are all from the same tribe. They have people in the US able to collect the money and wire it to XXXX. I I recognize the posting and pictures from the rental ads from when I was scammed. A XXXX XXXX gave me a zelle email XXXX. She wanted me to send her {$800.00} for an apartment. The same apartment address that I was scammed for on XX/XX/2019. XXXX XXXX XXXX, XXXX, CA. No one from Zelle would take the report. I would like Zelle to investigate the Zelle account for XXXX. I would like Zelle to report their findings to the local police for the account holder and FBI. I would like Zelle to shut that account down so that no one else gets scammed. XX/XX/2019 Parties involved : XXXX XXXX Bank address : XXXX XXXX, XXXX XXXX FL XXXX Account Holder Name : XXXX XXXX XXXX XXXX : Account number XXXX Routing :XXXX Home Address:XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL Rental Property XXXX XXXX XXXX, XXXX, CA XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/2019 I saw a rental listing that was identical to the scam rental I was a victim to on XX/XX/2019. I contacted XXXX XXXX XXXX regarding the rental. XXXX emailed me an identical lease as to the one that was sent on XX/XX/2019 for the rental scam. XX/XX/2019 XXXX requested a {$1700.00} deposit via bank wire to Name : XXXX XXXX Account number :XXXX Routing XXXX XXXX XXXX Bank address : XXXX XXXX, XXXX XXXX FL XXXX Home Address:XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX : XXXX XXXX Account number :XXXX Routing :XXXX XXXX XXXX. I called XXXX XXXX to notify them of the fraud. I talked to XXXX in the fraud that said he will message the wire fraud department. I offered the police report and informed them that a team of individuals are committing fraud. XXXX was not interested in getting the information. I contacted Florida police ( XXXX ) XXXX and they were not interested in taking the report. As a matter of fact, no police station cares about these rental scams. Not the XXXX, Maryland police and Florida. Thats why these criminals can scam over {$20000.00} a month to Americans. These individuals are using US banks having Americans wire money to XXXX as rental scams. I want XXXX XXXX to investigate these accounts to help stop the fraud. On XX/XX/2019 I found the same rental scammers that scammed me on XX/XX/2019. I contact XXXX XXXX on XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX emailed me a lease that is identical to rental scam on XX/XX/2019. XXXX XXXX messaged me to deposit {$1500.00} into her XXXX XXXX XXXX account. I called XXXX XXXX XXXX about the rental scammers using XXXX XXXX XXXX banking institution as away to scam people in order to send money to XXXX. The representative was not interested in taking my information. I am requesting that XXXX XXXX XXXX investigates this account, close the account and report their findings to the local police of the account holder. The account information is below : XXXX XXXX XXXX account no:XXXX. Act name : XXXX XXXX. Routing number XXXX Parties involved : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX United States Phone : XXXX Name : XXXX XXXX XXXX : Alabama Zip code : XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX, USA XXXX : XXXX XXXX XX/XX/2019 I found the same people that scam me on XX/XX/2019 on XXXX. The individual XXXX XXXX was posting for a rental on XXXX XXXX XXXX, XXXX, CA on XXXX group XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She sent me the identical lease as to the one sent on XX/XX/2019. XXXX requested that I send {$800.00} to XXXX XXXX in Alabama through XXXX. I talked XXXX from XXXX. He took my information but cant guarantee that a report or investigation will be made. He said he cant take the report, after all because I didnt send the money. I would like XXXX to report these individuals to the police and FBI. I would like my {$1600.00} back from when I was scammed on XX/XX/2019. I want XXXX allow consumers to report fraud to them without having to send money. XX/XX/2019 XXXX XXXX ( XXXX ) XXXX XXXX case number Case # XXXX Parties Involved : XXXX XXXX XXXX XXXX XXXX BANK ADDRESSXXXX XXXX XXXX, XXXX , MD XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX SWIFT CODE : XXXX XXXX XXXX XXXX Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX phone # XXXX ( XXXX ) XXXX XXXX XXXX Headquarters XXXX XXXX XXXX , XXXX XXXX , Georgia XXXX XXXX Wire Department XXXX ( XXXX ) XXXX XXXX XXXX Department XXXX ( XXXX ) XXXX XXXX Headquarters XXXX XXXX XXXX XXXX XXXX , NY XXXX Chain of Events : XX/XX/2019 my daughter XXXX XXXX began communications with XXXX XXXX XXXX on XXXX . XXXX XXXX XXXX had an ad on XXXX for an apartment. The rental was for {$850.00} a month on XXXX XXXX XXXX, XXXX, CA. XXXX lives at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX was looking for a rental in XXXX XXXX, because she is attending XXXX XXXX XXXX. XXXX XXXX XXXX gave XXXX XXXX ( XXXX ) XXXX as Janets number to call and text. XXXX sent a XXXX message a certificate of ownership for the apartment complex XXXX XXXX XXXX, XXXX, CA, and that XXXX XXXX XXXX was the owner of the complex. This was proof for XXXX that this rental was not a scam. XX/XX/2019 XXXX told XXXX inorder to move into the apartment on XX/XX/2019 she had to wire XXXX {$1700.00} to for the apartment deposit XXXX ACCOUNT INFO ACCOUNT NAME : XXXX XXXX BANK ADDRESS:XXXX XXXX XXXX, XXXX , MD XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX SWIFT CODE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX. I wire {$1600.00} minus the wire fee of the {$1700.00} to the above account to hold the apartment in XXXX XXXX on XX/XX/2019, because my daughter told me that the rental was checked out by her. I wired the monies to the above account for the apartment. I text XXXX a copy of the bank wire receipts. I text XXXX XXXX XXXX asking for a copy of the receipt. XXXX told my daughter she will send the receipt for the bank wire on XX/XX/2019. On XX/XX/2019 XXXX said she still havent received the monies from the wire transfer but she could move in on XX/XX/2019 at XXXX. XXXX said she was at work and couldnt meet us until after work at XXXX. On XX/XX/2019 at XXXX we went to XXXX XXXX XXXX, XXXX, CA. There was no one there to provide keys to the apartment. XXXX did not answer the phone and did I learn when we arrived to the location, that the apartments were managed by XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX representative informed us that XXXX XXXX XXXX is not the owner. The XXXX XXXX is not associate with XXXX XXXX XXXX. At XXXX we went to the XXXX police station and filed a police report. XXXX XXXX badge # XXXX ( XXXX ) XXXX report # XXXX. XXXX XXXX Police Department Police Headquarters, Report Management Section, XXXX XXXX XXXX, XXXX XXXXr, XXXX XXXX, CA XXXX. After, I learned that I was scammed by XXXX XXXX XXXX and XXXX XXXX. I contact XXXX their fraud department, and the department was closed.I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I informed XXXX of the fraudulent transaction, the representative said she will email the wire department, but I must contact my bank to start the wire recall. On XX/XX/2019 XXXX said she forgot her phone in the car and will meet us tomorrow. Again no show and no call. I have repeatedly requested for the monies to be returned to us. XXXX claims she never got the money. I contacted XXXX fraud department and they referred me to call the wire department. There was nothing that the fraud department could do to help me but freeze my accounts. The XXXX wire department was closed till Monday. The wire department business hours are Monday to Friday from XXXX to XXXX. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I told a representative at XXXX I had a police report number, the representative said they can only accept it from the police department and/or XXXX. XX/XX/2019 I research XXXX XXXX XXXX XXXX account. I notice she didnt have any friends on her XXXX. However, XXXX XXXX XXXX profile picture was liked by 3 people who are located in XXXX. Those individuals XXXX XXXX, XXXX, and XXXX XXXX are living in XXXX. I believe they are involved with the rental scam. I researched XXXX XXXX their agent for service is also XXXX, whom is living in Maryland. The agent for service for XXXX XXXX is XXXX XXXX located XXXX XXXX XXXX XXXX XXXX, MD XXXX. XXXX XXXX is still active. I have XXXX pictures, names and profiles of all parties involved. I have the Maryland Tax ID for XXXX XXXX. I learn that XXXX doesnt have a bank in XXXX. My research on rental scams work by having individuals in the US pick up the money, keep a percentage and wire the rest to XXXX. I contacted the wire department XXXX ( XXXX ) XXXX. The representative from the wire department informed me, that in 24 to 48 hrs they would process the bank wire recall. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. XXXX representative said they will need a Hold Harmless letter from XXXX. XX/XX/2019 I contacted the wire department and there was no update. I informed the XXXX Wire department that XXXX is going to request a Hold Harmless Letter. The representative informed me not to worry they will take care of it, they know what they are doing and its still being processed. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. XX/XX/2019 I contacted the XXXX wire department. A representative told me, Im ma'am but the bank recall was denied by the other bank. There is nothing we can do. I ask to speak to a manager. After 30 minutes of being on hold, I was transferred to manager XXXX. XXXX said he will escalate the case their investigators because XXXX is requesting a Hold Harmless letter. XXXX said, It doesnt seem like they want to return the money. I informed XXXX that the account was still open and the funds are in the account. XXXX said an investigator will call me within 24 to 48hrs. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. XX/XX/2019 I called XXXX wire department to inform them that I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I offered the police report number to XXXX, but they refused. No update from XXXX wire department on when the investigator will call me. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. XX/XX/2019 XXXX claims she is not giving me back my money because I contacted her bank ( XXXX ). She reports that XXXX closed their accounts. I reported the incident to the FBI. I had a missed call at XXXX, ( which is outside normal business hours ). I called back the number, which was the same as the XXXX wire department. I called back XXXX wire department. The representative said that was nothing he can do to help me connect with the investigator that tried to call me. I requested to be transferred to XXXX. XXXX said he will email them about calling me back within normal business hours. XXXX said he will email XXXX to inform them that a Hold Harmless letter is being processed. XXXX said he would call me back with an update. XXXX did not call back. When I called back at XXXX, I was on hold for 45 minutes and then disconnected. I was hung up on many times by representatives, when I was calling the XXXX wire department to follow up with the investigators. I talked to XXXX the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. XXXX XXXX XXXX weekend all offices were closed. XX/XX/2019 I had to call the wire department 20 times. Finally, I was transferred to XXXX, he said the investigators will not be calling me back. I need to print out everything I had and take it to my local bank and they can fax or email them the information. I went to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX. I handed over everything I had printed out of screenshots from emails, XXXX messages, copy of the lease agreement, text messages and police report number to XXXX XXXX ( Branch Manager Vice President ). XXXX said, he doesnt have any communication with the wire department or their emails. I gave him the wire department phone number and case number. He said he was really busy and will do it when he can. I return two hours later, XXXX said, he called and talked to the XXXX wire department and sent an internal tol the wire department. XXXX said there is nothing he can do, that I will have to contact the wire department. XX/XX/2019 I contacted XXXX wire department I was hung up on by an employee name XXXX in the wire department and refused to transfer me to XXXX. XXXX yelled and argued with me because I did not know the exact amounts in my bank accounts, and account number. He refused to look up my account by my social security number, address and case number. I learned from another representative that XXXX never sent the email to XXXX bank letting them know that XXXX was working on this account. When I finally talked to XXXX, he informed me that he has received my documents. For me to go to my local banker for more information. XX/XX/2019 I called XXXX Wire Department for 3 hours. XXXX kept refusing to talk to me. I was told by a wire representative to go to my local bank they have the answers for me. XXXX said that he doesnt have any information for me, and I had to call the wire department. After four more hours of calling the XXXX wire department, I finally talked to XXXX. XXXX said my Hold Harmless letter request was denied. I ask why, he refused to give me a reason. I call XXXX in tears. I was transferred to XXXX wire fraud department and talked to XXXX. XXXX took my information, police report number, and ask if I can provide them with records of emails, text messages and police report. I said, Yes, I can! I told XXXX that I had everything except the police report that it takes weeks or days for XXXX police to email me the report, but I had the badge number, phone, and police report number. XXXX said she will send an email to put the Hold Harmless investigations in motion. XXXX said for me to call the wire department to do another recall request, and for them to forward the information I sent them. I called XXXX wire department, it took three hours before I could talk to someone without hanging up on me. I informed the XXXX wire representatives about what XXXX from XXXX told me, and the representatives said repeatedly that the Hold Harmless was denied.. The representatives from XXXX wire department kept hanging up on me and refused to transfer me to the manager. I finally got into contact with XXXX, who I informed what XXXX told me. XXXX said we will do another recall that day. XXXX said, but they dont want to give you back your money thats why they are asking for a Hold Harmless letter. I explained this is their procedure. They need to justify why they are returning the money. XXXX again told me to talk to XXXX. XXXX told me to call the wire department. XXXX called the wire department. XXXX called back and said it looks like XXXX doesnt want to give you back your money, XXXX told him that they did 3 to 4 wire recalls on this account. I informed everyone the account at XXXX for XXXX XXXX was still open and the funds are still there. XX/XX/2019 XXXX called me at XXXX and said he will take my complaints to the executive branch. He said he is trying to help me and doesnt know why the XXXX wire department keeps sending me back to him. He said someone should be calling me by Tuesday. I called XXXX Wire department at XXXX. I was on hold for 30 minutes. I talked to XXXX from the XXXX wire department, I gave him my name and that I wanted an update on my wire recall. He ask me for my account number, I told him I didnt have it. XXXX hung up on me. At XXXX I called the XXXX wire department. XXXX said no bank recall was done, in fact only one recall that was done on this account. The Hold Harmless was denied and the case is closed. I requested to get transfer to XXXX and he said another recall will not be done because they will just ask for another Hold Harmless Letter. XXXX said he sent an email to XXXX requesting the money to be returned without a Hold Harmless Letter. I talked to XXXX they informed me that only one bank wire recall was done. When they ask for the Hold Harmless letter, they thought the wire recall was abandoned because XXXX did not respond to their request. Again the representatives from the XXXX wire department lied to me. XX/XX/2019 at XXXX XXXX XXXX XXXX Executive department called me that they received my my complaint from the FTC XXXX I would get a response in 15 days. I requested that the documents I sent to XXXX to be forwarded to XXXX. XXXX said she will look into it and let me know if they can send the documents. XXXX did explain that a Hold Harmless letter states XXXX is not at fault for this transaction, that is why a Hold Harmless Letter is difficult for them to do for me. At XXXX I talked to XXXX from XXXX Wire Department. She said that there was no response from XXXX regarding XXXX email to them. She said that another wire recall will not be completed because it will cause them to create another case. I called XXXX wire department and talked to XXXX. She said since Im not a XXXX client she cant take any information from me. XX/XX/2019 XXXX I talked to XXXX from XXXX Wire Department. XXXX said that the Hold Harmless letter was denied. ( Which I did not ask about ). XXXX said that the email was sent from XXXX to XXXX XX/XX/2019 at XXXX. She said that XXXX replied XX/XX/2019 at XXXX that the request requires a Hold Harmless letter. When I repeated what XXXX said, XXXX began to say she meant regarding the Executive investigation. However, I was very clear about what I was talking about and what email I was referring to in my phone conversation. This is my biggest issue with XXXX is the poor communication. I feel that both of the banks are lying to me and do not care because its not their money. At XXXX I got a call from XXXX Executive department that they received my complaint from FTC , the individual said XXXX XXXX is assigned to my case. I will get a response in 15 days. My complaint with XXXX is their unwillingness to investigate the fraud. Its extremely unethical to allow someone to use XXXX as a means to commit fraud. My complaint is that XXXX is not doing to due diligence in helping me. XXXX wire department are not willing to do the Hold Harmless letter because its just too much work for them. They are refusing to send the documents to XXXX because their intentions are to punish my family and I for being scammed. I feel that if I wasnt a minority I would have been provided with better customer service and a Hold Harmless letter would have been provided. My family life savings are in these accounts that are intended for my daughters college tuition. By losing this money we are distressed and my daughter is becoming XXXX. My daughter is set back in her education because of this. Every penny we need for her college education. XXXX wire department is destroying lives for people of XXXX. Please help me. Thank you, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
12/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30016
Web
XX/XX/XXXX To Whom it May Concern. I, XXXX XXXX a person, non-adverse, non-belligerent, non-combatant party and executer with full life, In accordance with the act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Listed accounts XXXX XXXX XXXX. Account # - XXXX Date Opened - XX/XX/XXXX. XXXX XXXX. Account # XXXX Opened XXXX XXXX - Charge Off Closed ( items labeled incorrectly derogatory, Should be marked Paid off ) A more detailed list is provided.. in the attached files. XXXX XXXX Account # XXXX Opened On - XX/XX/XXXX - Charge Off XXXX XXXX- Account # ( XXXX ) Date Opened- XX/XX/XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX - Charge Off It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 15 U.S.C 1681 section 602 A. States, I have the right to privacy. 15 U.S.C. 1681 ( a ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 15 U.S.C 1681b ( a ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. Accounts AS Follows.. ( of which are all Listed in the attachments ) personal information is incorrect DELETE INVALID INACCURATE ADDRESS : XXXX XXXX XXXX XXXX XXXX ( Listed in attachments ) ALL inquiries as not authorized ( detailed list included XXXX the attachments ) Please remove it from my credit report. Block and remove it all.. UPDATE TO PAID AND BLOCK The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX AND XXXX The following personal information is incorrect Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And all other listed accounts.. I also demand Removal of Extended Fraud Alerts from credit profile XXXX, XXXX, XXXX XXXX, XXXX, XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) and breaking several other federal laws. XXXX, XXXX, XXXX is reporting late payments on my consumer credit report that have not been verified at all before reporting them to my credit report. XXXX, XXXX, XXXX is not abiding by the laws before reporting things to my credit report. They are also in violation of the Gramm-Leach Bliley Act ( GBLA ). This has effected my credit score and utilization rate making it hard for me to obtain credit. I have never received any adverse action letters or statements which by law I should have received a letter 45 days prior to them making the decrease on my account. Congress makes it clear that I have a RIGHT TO PRIVACY as a federally protected consumer! XXXX XXXX has violated and disrespected my right to privacy which is a direct violation of the FCRA and the Gramm-Leach-Bliley Act! I did not consent or authorize for XXXX XXXX XXXX to use or share my nonpublic personal information. They have violated my privacy to their benefit with no benefit to me or my account. Please be clear that no consent or authorization is IDENTITY THEFT! Best Buys willful noncompliance has resulted in identity theft which I demand to Cease and Desist! I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. I have been disputing inaccurate payment history with the bureaus for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX for over 3 years Along with a few other others. They continue to furnish unfair credit reporting which undermines my confidence as a consumer. In effort to monitor my credit report, I requested copies through annualcreditreport.com and was not able to pull reports due to unknown conditions. The CRAs were contacted in request for full reports, and they continue to fail in providing a full report as requested. I must pay for reports from other service providers to monitor and find adverse information is reporting. Recent report shows two-year history, but the CRAS exceed the history by reporting four years history or more. Previous reports show payment was received, I have provided dispute letters on several attempts, the bureaus have continued in response stating the late payments were verified without providing proof, updated the account with incorrect payment history and failed to provide updated reports following the results. The CRAs deliberately are making every attempt to Assassinate my character by portraying me as a financially irresponsible consumer. They have not responded to all complaints I have sent, and I did not provide written permission to furnish the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXaccounts and their erroneous reporting is hindering my financial circumstances with reporting unfair and inaccurate payment history on my credit report. This is preventing me from obtaining a mortgage and other financial services as a responsible consumer to ensure housing stability for myself, my family and pursuing business goals. It seems like they are only interested in targeting consumers and destroying lives because they havent even conducted nor provided results in response to my letters in a timely manner for a proper investigation. The XXXX denied me right to a reinvestigation and stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate, last balance is inaccurate. Every time I dispute, I receive retaliation in response from the XXXX with adverse reporting late payments were reported 30 days now reporting 60 days late after filing complaints. Every day they continue to provide false information on my report only affects me as the consumer. They could care less about the consumer just to make a few bucks to furnish accounts whether the information is accurate or not. The CRAs are running a numbers business and not a legitimate business. The CRAs have violated my rights and need to be held accountable for their actions. I sent a letter off to the CRAs on several occasions to remove variations of my name as there should not be any variations my only name used is XXXX XXXX. Included with this and all previous letter were copies of my state ID, SS card, and a utility bill to remove personal information that I dont want on my credit report nor use to establish credit, any other variation is fraudulent. According, to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802. No financial institution shall share my information to third parties without written consent. These are clear violations of my federally protected consumer rights. Also, the XXXX took more than 30 days to complete my investigation i am in possession of all of my letters, complaints and certified mail tracking number # XXXX etc. disputing the information above again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Or XXXX AND XXXX XXXX XXXX In accordance with the fair Credit Reporting Act the CRAs have violated my rights 15 U.S. Code 1681 section 602 A. States I have the right to privacy 15 U.S. Code 1681 section ( 604 ) 602 A Section 2 states a consumer reporting agency can not furnish an account without written instruction. 15 U.S. Code 1666 ( a ) ( b ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason FCRA 611 ( a ) ( 1 ) ( a ) ( b ) Reinvestigation is required when the consumer notifies the consumer reporting agency disputing that the information reported is inaccurate and provides documentation proving so it must be update or deleted. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. This is not a new complaint. I have been complaining since i can remember on all of the accounts listed. They ( The accounts in? ) have Been reporting to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Credit Bureau as an " Adverse Action '', when " no money '' have ever been transacted. They have all been UUPDATING my XXXX Consumer report with inconsistency dates as if I made a purchased, reporting late payments, closed accounts and reporting " adverse action '', since as early as XXXX for some.. It was noted to be remove off the Consumer Report but never happened... Why IS CFPB ALLOWING THIS. Ive closed and cashed out this credit card and Im still being harassed and threatened causing me stress through emails.. under title XXXX XXXX Im eligible for compensation due to there violations upon me as a consumer CFPB PLEASE!! See to it that ALL CRAS ARE TO REMOVE!! ANY AND ALL FRAUD ALERTS, MESSAGES, ALERTS, INDICATORS AND EXTENDED FRAUD ALERTS. Where is the XXXX form stating I gave you permission to share my information ; if I remember correctly, it states its a one time transaction and expires after 90 days.!? Other accounts to be removed listed on accounts
12/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • TX
  • 75231
Web
In accordance with the Fair Credit Reporting Act, and other Acts of XXXX, XXXX XXXX XXXX ( hereinafter " company '' ) has violated my ( hereinafter " consumer '' and " consumer 's '' ) rights since XX/XX/XXXX Consumer has attempted XXXX times to engage in and enforce consumer 's rights : ( XXXX ) XX/XX/XXXX ; ( XXXX ) XX/XX/XXXX ; ( XXXX ) XX/XX/XXXX ; ( XXXX ) cfpb complaint - XXXX on XX/XX/XXXX ( including complaints to other agencies ) ; ( XXXX ) cfpb complaint - XXXX on XX/XX/XXXX ( including complaints to other agencies ) ; and twice on XX/XX/XXXX after company called consumer on XX/XX/XXXX and left a voice message for consumer. On XX/XX/XXXX representative XXXX ( not sure XXXX her name because it was hard to hear her when she was speaking her name ) told consumer that company does not comply with the following laws and allows consumer to place security freeze or opt-out on his customer account with company. XXXX informed her that the law requires company to maintain website to allow for such and questioned her on why consumer was called on XXXX prior to questioning if the call was related to ( 1 ) permanent security freeze ; ( 2 ) permanent opt-out; ( 3 ) remedy for damages caused by noncompliance. She hung up at some point while consumer was expressing the law to her. Consumer called again and spoke with representative XXXX, who waited while consumer emailed his photo documentation and listened as consumer informed him of the laws company is in willful violation of. 15 usc 1692 ( K ) ( A ) - allows consumer to charge company {$1000.00} per violation 15 usc 1681 ( a ) ( 4 ) - guarantees consumer 's right to privacy 15 usc 1681 ( b ) ( e ) - prohibits false information being reported against consumer 15 usc 1681 ( b ) - company did not use manner which is fair and equitable to the consumer in reporting negative allegations without written permission of the consumer 15 usc 1681 ( b ) ( a ) ( 2 ) - the company needs the consumer 's written permission to share consumers data and the company does not have the consumer 's written permission to share consumer 's data. 15 usc 1692f- the company is fraudulently engaging in unfair and unconscionable practices against the consumer to adverse affects FCRA 611 ( 15 usc 1681 ) - company is willfully failing to comply with reporting requirements of the Fair Credit Reporting Act ( " FCRA '' ) even though the company advertises it's support/compliance of the FCRA on its website https : //www.earlywarning.com/consumer-information 15 usc 1681a ( p ) - company is a credit reporting agency that as described even though it fraudulently pretends not to be 15 usc 1681c-1 - guarantees consumer to the right to request a security freeze to prohibit CRA 's such as company from sharing consumer 's information and the company has 3 business days after receiving mail request to place the freeze for free. the company has not placed the freeze in 6 months. the company must also within XXXX business days after placing the freeze deliver confirmation of freeze. obviously it has not. 15 usc 1681c-1 ( 6 ) - requires all consumer reporting agencies, such as company, to establish and maintain a webpage that allows consumers ( 1 ) request a security freez ; ( 2 ) allows requests for an initial fraud alert ; ( 3 ) allows requests for an extended fraud alert ; ( 4 ) allows for a request of an active duty fraud alert ; ( 5 ) allows for a opt-out of the use of consumer information in a consumer report, in accordance with 15 usc 1681m ( d ), ( 6 ) consumer reporting agencies must establish other means to request a security freeze 15 usc 6802 ( a ) - prohibits the sharing of consumer 's nonpublic personal information unless consumer has been given proper notice in compliance with 15 usc 6803. consumer has never received any notice regarding the sharing of consumer 's personal data. 15 usc 6802 ( b ) - guarantees consumer to the right to opt-out ( section is literally called opt out ) of the sharing of nonpublic personal information unless ( 1 ) the sharing person clearly and conspicuously discloses to consumer, in writing or electronic form or other form permitted under 15 usc 6804, that such information may be shared ; ( 2 ) the consumer is given the opportunity, before the sharing of of information initially begins, to direct that such information not be disclosed ; and ( 3 ) the consumer is given a clear and conspicuous explanation on how the consumer can exercise the nondisclosure options 15 usc 6803 - requires that consumer be given clear and conspicuous notice of disclosure at the very begining of any credit transaction so that consumer can exercise his opt-out options and consumer has never received such notice, hence is the reason why company has violated consumer 's rights to privacy and has violated all of the legal requirements of law that guarantees consumer 's rights to : security freeze, opt-out of sharing nonpublic personal information, prohibiting the sharing of particular information, privacy, FCRA rights, ECOA rights, etc. 15 usc 6809 ( 4 ) - defines nonpublic personal information as personally identifiable financial information ( 1 ) provided by a consumer to a financial institution ; ( 2 ) resulting from any transaction with the consumer or any service performed for the consumer. consumer interprets this as balances, late payments, chargeoffs, open and closed accounts, collections, social security account number, monthly payments 15 usc 1681m ( d ) - guarantees consumer the right to prohibit the sharing of any information in any consumer credit transaction 15 usc 1681b ( c ) ( 1 ) - prohibits consumer reporting agencies, such as company, from furnishing account details without consumer 's explicit authorization 15 usc 1681 section 604 A - prohibits consumer reporting agencies, such as company, from furnishing account details without consumer 's explicit written instructions 15 usc 1681b ( c ) ( 2 ) - limits the information that credit reporting agencies may furnish to ( 1 ) name and address ; ( 2 ) and identifier that is not unique to the consumer and that is used by the receiving entity solely for the purposes of verifying the consumers identity ; and ( XXXX ) information pertaining to the consumer that does not identify the relationship or experience of the consumer with respect to any particular creditor or other entity 15 usc 6801 et. seq. - guarantees consumer has the right to opt-out of the sharing of consumer 's financial information to any unaffiliated third parties, with the statute even requiring that company gives notice and an opportunity to consumer opt out from such disclosures 12 cfr 1022.22 ( b ) - guarantees consumer has the right to opt-out of the sharing of consumer 's financial information to any unaffiliated third parties, with the statute even provides that an opt-out periord that does not expire unless revoked by the consumer can be established 15 usc 1681a ( k ) - consumer has suffered adverse actions based off of the inaccuracies reported on my consumer report generated by this company without consumer 's knowledge or permission in the amount of {>= $1,000,000}, which is a willful violation of the FCRA and Truth In Lending Act ( " TILA '' ) 15 usc 1681a ( k ) - consumer 's interpretation of the law is adverse action against consumer is illegal 15 usc 1681n ( a ) - allows consumer to hold company civilly liable for damages for noncompliance in amounts equal to the sum of : ( 1 ) actual damages {>= $1,000,000}, for noncompliance ; ( 2 ) punitive damages ; ( 3 ) reasonable attorney 's fees and costs 15 usc 1681o ( a ) - allows consumer to hold company civilly liable for damages for noncompliance in amounts equal to the sum of : ( 1 ) actual damages {>= $1,000,000}, for negligent noncompliance ; ( 2 ) punitive damages ; ( 3 ) reasonable attorney 's fees and costs 42 usc 1981 - guarantees consumer has equal rights under the law, rights which have been unfairly stripped away by company 12 usc 3401 et. seq. - guarantees consumer 's right to finanical privacy 15 usc 1691 ( a ) - prohibits and makes it unlawful for company to engage in discriminatory practices in any credit transaction on the basis of race, color, religion, national origin, sex, marital status, or age, or because the applicant has in good faith exercised any right. company has unfairly discriminated against consumer on these basis. 15 usc 1691e - allows consumer to hold company civilly liable for damages for noncompliance in amounts equal to the sum of : ( 1 ) actual damages {>= $1,000,000}, for noncompliance ; ( 2 ) punitive damages {$10000.00}, ; ( 3 ) equitable and declaratory relief ( 4 ) reasonable attorney 's fees and costs 31 cfr 1.32 - makes it unlawful for consumer to be denied anything, even if i refuse to furnish my social security account card 26 usc 301.7701-11 - consumer 's social security account card is a account according to law 26 usc 6109 - consumer 's social security account card is a account according to law 15 usc 1602 ( l ) - consumer 's social security account card is a credit card according to law 12 cfr 1002.2 ( k ) - consumer 's social security account card is a credit card according to law 15 usc 1602 ( p ) - use of consumer 's social security account card, a credit card, without fair and equitable benefit to the consumer is unauthorized use of consumer 's credit card, which is unlawful and felony fraud because consumer has never received a benefit for the company 's unauthorized use of consumer 's credit card 12 cfr 1002.2 ( c ) - consumer has suffered adverse actions based off of the inaccuracies reported on my consumer report generated by this company without consumer 's knowledge or permission in the amount of {>= $1,000,000}, which is a willful violation of the FCRA and Truth In Lending Act ( " TILA '' ) 15 usc 1640 - allows consumer to hold company civilly liable for damages for noncompliance in amounts equal to the sum of : ( 1 ) actual damages {>= $1,000,000}, for noncompliance ; ( 2 ) reasonable attorney 's fees and costs 15 usc 1644 - criminally penalizes company {$10000.00} and imprisons persons affiliated with the fraudulent use of consumer 's credit card for 10 years 15 usc 1611 - criminally penalizes company {$5000.00} and imprisons persons affiliated with providing false information or for noncompliance for one year when they are in willful and knowing violation 18 usc 1028A - criminally penalizes and imprisons all persons affiliated with knowingly transferring, possessing, using, without lawful authority, any means of identification of another person, in addition to the penalities provided for such illegal use, an additional 2 years. consumer has never given this company nor any other company consent to report consumer 's private and nonpublic information as consumer has never provided explicit and/or verbal permission to report this information. this is blatant identity theft. 15 usc 1681a ( d ) ( 2 ) ( A ) ( i )- the consumer/credit report generated by company is a willful violation of this code because it contains information relating to transactions and/or experiences between consumer and persons making reports to company and company is expressly prohibited by law from sharing such information 15 usc 1681a ( d ) ( 2 ) ( A ) ( ii ) - the consumer/credit report generated by company is a willful violation of this code because the company is under common ownership or affiliated by corporate control of Bank of America, BB & T , Capital One , JPMorgan Chase, and Wells Fargo ( available https : //www.earlywarning.com/press-release/us-banks-unite-form-industry-leading-secure-real-time-payments-network # : ~ : text=Early % 20Warning % 20is % 20owned % 20by % 20Bank % 20of % 20America % 2C, businesses % 20and % 20consumers % 20to % 20transact % 20securely % 20and % 20conveniently. ) or Bank of America, Truist, Capital One, JPMorgan Chase, PNC Bank, U.S. Bank and Wells Fargo ( available https : //www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/companies-list/early-warning-services/ # : ~ : text=Assists % 20financial % 20institutions % 2C % 20check % 20acceptance % 20companies % 20such % 20as, Chase % 2C % 20PNC % 20Bank % 2C % 20U.S. % 20Bank % 20and % 20Wells % 20Fargo. ) 15 usc 1681a ( d ) ( 2 ) ( iii ) - Bank of America, one of the six or seven co-owners of company, failed to clearly and conspicuously disclose that it is owner of company, that it would use information generated by company to take adverse actions against consumer, failed to clearly and conspicuously disclose that information that is within company 's possession may be communicated to such persons, and failed to clearly and conspicuously disclose that consumer would be given the opportunity to direct that such information not be communicated among such person before the information has been initially communicated. I have never received clear and conspicuous documentation from company detailing my rights in regards to credit reporting and my rights to opt-out and/or prohibit the sharing of my private and nonpublic information prior to my complaint with the company and with the bureau. 12 cfr 1002.9 - consumer 's interpretation of the law is that adverse action against consumer is illegal 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) MOST RECENTLY AMENDED JAN. 1, 2018 Regulation B protects applicants from discrimination in any aspect of a credit transaction. ( as displayed on CFPB webpage https : //www.consumerfinance.gov/rules-policy/regulations/1002/ ) 15 usc 6821 - prohibits the obtaining, attempt to obtain, disclosing, attempt to cause to be disclosed, to any person, customer information by ( 1 ) making false, fictitious, or fraudulent statements or misrepresentations to an financial institution or its agents ; ( 2 ) by making false, fictitious, or fraudulent statements or misrepresentations to a customer ; ( 3 ) by providing any document to an agent of a financial institution, knowing that the document is either forged, counterfeit, lost, stolen, was fraudulently obtained, or contains false, fictitious, or fraudulent statements or misrepresentations. company and the persons that report to company have never obtained my explicit or verbal consent to compile my nonpublic personal information into public report to be disseminated amongst nonaffiliated persons 15 usc 6823 - criminally penalizes company and persons affiliated with the obtaining/disseminating fraudulently obtained information pursuant to title 18, including 18 usc 3571 , where 18 usc 3571 ( d ) doubly penalizes any pecuniary gain to the perpetrator/violator or any pecuniary loss to any person, including individuals, and and imprisons them for five years.
12/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • TX
  • 75231
Web
In accordance with the Fair Credit Reporting Act, and other Acts of Congress, Early Warning Service ( hereinafter " company '' ) has violated my rights ( hereinafter " consumer '' and " consumer 's '' ) around XXXX XXXX, 2022 15 usc 1692 ( K ) ( A ) - allows consumer to charge company {$1000.00} per violation 15 usc 1681 ( a ) ( 4 ) - guarantees consumer 's right to privacy 15 usc 1681 ( b ) ( e ) - prohibits false information being reported against consumer 15 usc 1681 ( b ) - company did not use manner which is fair and equitable to the consumer in reporting negative allegations without written permission of the consumer 15 usc 1681 ( b ) ( a ) ( 2 ) - the company needs the consumer 's written permission to share consumers data and the company does not have the consumer 's written permission to share consumer 's data. 15 usc 1692f- the company is fraudulently engaging in unfair and unconscionable practices against the consumer to adverse affects FCRA 611 ( 15 usc 1681 ) - company is willfully failing to comply with reporting requirements of the Fair Credit Reporting Act ( " FCRA '' ) even though the company advertises it's support/compliance of the FCRA on its website https : //www.earlywarning.com/consumer-information 15 usc 1681a ( p ) - company is a credit reporting agency that as described even though it fraudulently pretends not to be 15 usc 1681c-1 - guarantees consumer to the right to request a security freeze to prohibit CRA 's such as company from sharing consumer 's information and the company has 3 business days after receiving mail request to place the freeze for free. the company has not placed the freeze in 6 months. the company must also within 5 business days after placing the freeze deliver confirmation of freeze. obviously it has not. 15 usc 1681c-1 ( 6 ) - requires all consumer reporting agencies, such as company, to establish and maintain a webpage that allows consumers ( 1 ) request a security freez ; ( 2 ) allows requests for an initial fraud alert ; ( 3 ) allows requests for an extended fraud alert ; ( 4 ) allows for a request of an active duty fraud alert ; ( 5 ) allows for a opt-out of the use of consumer information in a consumer report, in accordance with 15 usc 1681m ( d ), ( 6 ) consumer reporting agencies must establish other means to request a security freeze 15 usc 6802 ( a ) - prohibits the sharing of consumer 's nonpublic personal information unless consumer has been given proper notice in compliance with 15 usc 6803. consumer has never received any notice regarding the sharing of consumer 's personal data. 15 usc 6802 ( b ) - guarantees consumer to the right to opt-out ( section is literally called opt out ) of the sharing of nonpublic personal information unless ( 1 ) the sharing person clearly and conspicuously discloses to consumer, in writing or electronic form or other form permitted under 15 usc 6804, that such information may be shared ; ( 2 ) the consumer is given the opportunity, before the sharing of of information initially begins, to direct that such information not be disclosed ; and ( 3 ) the consumer is given a clear and conspicuous explanation on how the consumer can exercise the nondisclosure options 15 usc 6803 - requires that consumer be given clear and conspicuous notice of disclosure at the very begining of any credit transaction so that consumer can exercise his opt-out options and consumer has never received such notice, hence is the reason why company has violated consumer 's rights to privacy and has violated all of the legal requirements of law that guarantees consumer 's rights to : security freeze, opt-out of sharing nonpublic personal information, prohibiting the sharing of particular information, privacy, FCRA rights, ECOA rights, etc. 15 usc 6809 ( 4 ) - defines nonpublic personal information as personally identifiable financial information ( 1 ) provided by a consumer to a financial institution ; ( 2 ) resulting from any transaction with the consumer or any service performed for the consumer. consumer interprets this as balances, late payments, chargeoffs, open and closed accounts, collections, social security account number, monthly payments 15 usc 1681m ( d ) - guarantees consumer the right to prohibit the sharing of any information in any consumer credit transaction 15 usc 1681b ( c ) ( 1 ) - prohibits consumer reporting agencies, such as company, from furnishing account details without consumer 's explicit authorization 15 usc 1681 section 604 A - prohibits consumer reporting agencies, such as company, from furnishing account details without consumer 's explicit written instructions 15 usc 1681b ( c ) ( 2 ) - limits the information that credit reporting agencies may furnish to ( 1 ) name and address ; ( 2 ) and identifier that is not unique to the consumer and that is used by the receiving entity solely for the purposes of verifying the consumers identity ; and ( 3 ) information pertaining to the consumer that does not identify the relationship or experience of the consumer with respect to any particular creditor or other entity 15 usc 6801 et. seq. - guarantees consumer has the right to opt-out of the sharing of consumer 's financial information to any unaffiliated third parties, with the statute even requiring that company gives notice and an opportunity to consumer opt out from such disclosures 12 cfr 1022.22 ( b ) - guarantees consumer has the right to opt-out of the sharing of consumer 's financial information to any unaffiliated third parties, with the statute even provides that an opt-out period that does not expire unless revoked by the consumer can be established 15 usc 1681a ( k ) - consumer has suffered adverse actions based off of the inaccuracies reported on my consumer report generated by this company without consumer 's knowledge or permission in the amount of {>= $1,000,000}, which is a willful violation of the FCRA and Truth In Lending Act ( " TILA '' ) 15 usc 1681a ( k ) - consumer 's interpretation of the law is adverse action against consumer is illegal 15 usc 1681n ( a ) - allows consumer to hold company civilly liable for damages for noncompliance in amounts equal to the sum of : ( 1 ) actual damages {>= $1,000,000}, for noncompliance ; ( 2 ) punitive damages ; ( 3 ) reasonable attorney 's fees and costs 15 usc 1681o ( a ) - allows consumer to hold company civilly liable for damages for noncompliance in amounts equal to the sum of : ( 1 ) actual damages {>= $1,000,000}, for negligent noncompliance ; ( 2 ) punitive damages ; ( 3 ) reasonable attorney 's fees and costs 42 usc 1981 - guarantees consumer has equal rights under the law, rights which have been unfairly stripped away by company 12 usc 3401 et. seq. - guarantees consumer 's right to finanical privacy 15 usc 1691 ( a ) - prohibits and makes it unlawful for company to engage in discriminatory practices in any credit transaction on the basis of race, color, religion, national origin, sex, marital status, or age, or because the applicant has in good faith exercised any right. company has unfairly discriminated against consumer on these basis. 15 usc 1691e - allows consumer to hold company civilly liable for damages for noncompliance in amounts equal to the sum of : ( 1 ) actual damages {>= $1,000,000}, for noncompliance ; ( 2 ) punitive damages {$10000.00}, ; ( 3 ) equitable and declaratory relief ( 4 ) reasonable attorney 's fees and costs 31 cfr 1.32 - makes it unlawful for consumer to be denied anything, even if i refuse to furnish my social security account card 26 usc 301.7701-11 - consumer 's social security account card is a account according to law 26 usc 6109 - consumer 's social security account card is a account according to law 15 usc 1602 ( l ) - consumer 's social security account card is a credit card according to law 12 cfr 1002.2 ( k ) - consumer 's social security account card is a credit card according to law 15 usc 1602 ( p ) - use of consumer 's social security account card, a credit card, without fair and equitable benefit to the consumer is unauthorized use of consumer 's credit card, which is unlawful and felony fraud because consumer has never received a benefit for the company 's unauthorized use of consumer 's credit card 12 cfr 1002.2 ( c ) - consumer has suffered adverse actions based off of the inaccuracies reported on my consumer report generated by this company without consumer 's knowledge or permission in the amount of {>= $1,000,000}, which is a willful violation of the FCRA and Truth In Lending Act ( " TILA '' ) 15 usc 1640 - allows consumer to hold company civilly liable for damages for noncompliance in amounts equal to the sum of : ( 1 ) actual damages {>= $1,000,000}, for noncompliance ; ( 2 ) reasonable attorney 's fees and costs 15 usc 1644 - criminally penalizes company {$10000.00} and imprisons persons affiliated with the fraudulent use of consumer 's credit card for 10 years 15 usc 1611 - criminally penalizes company {$5000.00} and imprisons persons affiliated with providing false information or for noncompliance for one year when they are in willful and knowning violation 18 usc 1028A - criminally penalizes and imprisons all persons affiliated with knowingly transferring, possessing, using, without lawful authority, any means of identification of another person, in addition to the penalities provided for such illegal use, an additional 2 years. consumer has never given this company nor any other company consent to report consumer 's private and nonpublic personal information as consumer has never provided explicit and/or verbal permission to report this information. this is blatant identity theft. 15 usc 1681a ( d ) ( 2 ) ( A ) ( i )- the consumer/credit report generated by company is a willful violation of this code because it contains information relating to transactions and/or experiences between consumer and persons making reports to company and company is expressly prohibited by law from sharing such information 15 usc 1681a ( d ) ( 2 ) ( A ) ( ii ) - the consumer/credit report generated by company is a willful violation of this code because the company is under common ownership or affiliated by corporate control of XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX availabe https : //www.earlywarning.com/press-release/us-banks-unite-form-industry-leading-secure-real-time-payments-network # : ~ : text=Early % 20Warning % 20is % 20owned % 20by % 20XXXX % 20XXXX % 20XXXX % 2C, businesses % 20and % 20consumers % 20to % 20transact % 20securely % 20and % 20conveniently. ) or XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX ( available https : //www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/companies-list/early-warning-services/ # : ~ : text=Assists % 20financial % 20institutions % 2C % 20check % 20acceptance % 20companies % 20such % 20as, XXXX % 2C % 20XXXX % 20XXXX % 2C % 20XXXX % 20XXXX % 20and % 20XXXX % 20XXXX. ) 15 usc 1681a ( d ) ( 2 ) ( iii ) - XXXX XXXX XXXX, one of the six or seven co-owners of company, failed to clearly and conspicuously disclose that it is owner of company, that it would use information generated by company to take adverse actions against consumer, failed to clearly and conspicuously disclose that information that is within company 's possession may be communicated to such persons, and failed to clearly and conspicuously disclose that consumer would be given the opportunity to direct that such information not be communicated among such person before the information has been initially communicated. I have never received clear and conspicuous documentation from company detailing my rights in regards to credit reporting and my rights to opt-out and/or prohibit the sharing of my private and non public information prior to my complaint with the company and with the bureau. 12 cfr 1002.9 - consumer 's interpretation of the law is that adverse action against consumer is illegal 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) MOST RECENTLY AMENDED XXXX XXXX XXXX Regulation B protects applicants from discrimination in any aspect of a credit transaction. ( as displayed on CFPB webpage https : //www.consumerfinance.gov/rules-policy/regulations/1002/ ) 15 usc 6821 - prohibits the obtaining, attempt to obtain, disclosing, attempt to cause to be disclosed, to any person, customer information by ( 1 ) making false, fictitious, or fraudulent statements or misrepresentations to an financial institution or its agents ; ( 2 ) by making false, fictitious, or fraudulent statements or misrepresentations to a customer ; ( 3 ) by providing any document to an agent of a financial institution, knowing that the document is either forged, counterfeit, lost, stolen, was fraudulently obtained, or contains false, fictitious, or fraudulent statements or misrepresentations. company and the persons that report to company have never obtained my explicit or verbal consent to compile my nonpublic personal information into public report to be disseminated amongst nonaffiliated persons 15 usc 6823 - criminally penalizes company and persons affiliated with the obtaining/disseminating fraudulently obtained information pursuant to title 18, including 18 usc 3571 , where 18 usc 3571 ( d ) doubly penalizes any pecuniary gain to the perpetrator/violator or any pecuniary loss to any person, including individuals, and imprisons them for five years. The Consumer Financial Protection Bureau has confirmed that all credit reporting agencies are subject to these legal requirements. Other consumer reporting agencies have followed the regulations of these acts and allowed me to engage in and enforce my rights without fail.
08/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CT
  • 06042
Web
I have learned that there are strict regulations to protect Consumers such as myself and our personal information, and that every company dealing with a Consumer has agreed that they would follow these regulations. In a gross violation of Numerous of my rights, they have chosen not to and have repeatedly violated the Fair Credit Reporting Act, Title VI of the Consumer Credit Protection Act, and The Privacy Act of 1974! 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. - No adverse item besides the conviction of crimes should be on my report, any item that is a derogatory mark is not allowed into consumer reports this is another violation.- 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. -By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports, they are also violating compliance procedures under this title.- Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. -Again they need prior written instruction of the individual to whom it relates.- Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information -Once again, they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974! - PART 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15. -Every company owes me a privacy notice before they furnish any information to my consumer report, another violation! - 12 CFR 1016.4 Initial privacy notice to consumers required. ( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( 2 ) Examples ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out. ( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. ( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ( i ) Duration of consumer 's opt out direction. ( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. -Once again they must give me an opt out notice for anything that is to be added to my consumer report.- 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. Important Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term consumer means an individual. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report; -Reporting my transaction history is illegal! Repeated Violations every month reported! - 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authorization - F.T.C. Violation, I have filed a report! - *Any collections means it has been Charged Off and is now a Certificate Of Indebtedness and is considered Income and income can not be reported to my credit report according to I.R.S. Publication Laws, they must be removed. *All Inquiries violate 15 U.S.C. Permissible Purposes, Promotional Inquiries, 3rd parties were allowed to " peek '' at my credit and violate my privacy, clear violation of numerous rights laws and acts. Each one is its own violation with a separate penalty and must be removed! These severe violations have been the actions of All the Corps Put on this Notice of Complaint ( who Ive learned I was a victim of their data breach as well, which is irrefutable proof of claim of identity theft along with XXXX and its own data breach ) Early Warning Services who received my personal account information from XXXX XXXX XXXX ( Account Ending ( XXXX ) ), XXXX XXXX XXXX ( Account Ending ( XXXX ) ) and XXXX XXXX XXXX ( Account Ending ( XXXX ) ) and numerous other companies on and off my report! I have the right to make sure my private information isn't shared, which is backed by XXXX XXXX XXXX which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to TRANSACTIONS or experiences between the consumer and the person making the report. With every violation being allowed U.S. {$1000.00} without my expressed written consent, according to 15 USC S1681 ( n ). That would intrinsically mean that for EVERY INDIVIDUAL TRANSACTION you reported worth U.S. {$1000.00} so you can do the math and give me my just compensation for your negligence of the law. Remove the information from my consumer report, this agency is in violation of 15 USC section 1681. Failure to respond satisfactory with reversing of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking { {$1000.00} } per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance 616 Civil liability for willful noncompliance [ 15 USC S1681n ] Best Regards,
06/22/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • IL
  • 620XX
Web Older American
XXXX XXXX XXXX I was a victim of a scam involving Zelle and XXXX. I made multiple complaints to XXXX and filed disputes 3 times, and all of them have been denied. Below are the email correspondence I have had with them. The entire story is explained in the emails below. Today, my intention is to request refunds of the money that was taken from my account by a fraudster pretending to be a XXXX fraud specialist and used Zelle to remove XXXX from both my checking and savings accounts. Through research, I learned that this Zelle scam has been happening through multiple banks since XXXX. In the 3 years since this has been a known scam, there should have been extra precautions taken by Zelle and/or their affiliated banks!!! Because Zelle is the company that was responsible for removing the money from my accounts, I am requesting that Zelle take responsibility and refunded the money that was taken from my accounts by a fraudster that knew this scam had been working for the last 3 years!!!!. From: XXXX XXXX XXXX To: XXXX Date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX, I am devastated both financially and emotionally after being a victim of a Zelle scam through XXXX. I have been a customer with XXXX since XXXX. I was one of the 1st people who signed up for a debit card and I actually won a prize as part of the promotion. That is how long I have been a customer. I have always trusted XXXX. However, in the last 2 years, I have had my bank account compromised, multiple times. At the end of XXXX, I had to close all of my accounts due to a breach into my checking account and XXXX XXXX credit cards. I had my checking and savings accounts for over 35 years, I was upset to have to close my long time accounts, I knew the account numbers by heart! Although I had to open new accounts, I continued to trust XXXX. I felt that XXXX was one of few banks that still have integrity and are truly concerned for their customers. That is, until now....... On XXXX XXXX XXXX I was called by someone from the XXXXXXXX XXXX number from the fraud department. I was informed that I had been a victim of fraud through Zelle. This person took me through steps that were suppose to cancel the Zelle deposits and put the money back in my account. It was very upsetting and I didn't really understand what we were doing, but I trusted, because the number was from the XXXX, XXXX number. And, because, I had multiple issues with fraud on my accounts, in the last few years. I was made to believe we had to hurry or the money could not be retrieved. After we went through all the steps, I was asking questions about how this had happened and we got cut off (I now know the person hung up on me). When I called back to talk to the fraud department to ask additional questions, I was informed I had been involved in the ZELLE scam that has been going on for the last few months at XXXX.. I was told that this is a known scam and that I would get my money back, once it went through the process of investigation. They told me it would likely be 10 working days before I would be reimbursed. I spoke to a few more people in the fraud department over the last 4 weeks. On XXXX XXXX XXXX XXXX I spoke to someone who said her manager said the XXXX day was actually the XXXX. So, I hung up believing I would see the money back in my accounts the next day. I called again on XXXX XXXX XXXX because there was no reimbursements in my accounts. For the 1st time since the "incident", I was informed, by a fraud specialist named, XXXX, that I might not get a refund of the money that was taken from my accounts. She told me that whom ever had filed my dispute had not included any notes on the circumstances of what had actually happened on XXXX. The fraud specialist, XXXX, said she would follow up and include the information of exactly what happened that day. On XXXX XXXX XXXX, I received XXXX letters, dated XXXX, that my disputes were denied. I was SHOCKED and completely DEVISTATED by the results of this dispute. I am barely making it financially due to my inability to work because of COVID restrictions. I had just been paid, on XXXX XXXX XXXX. I did not have money this month to pay my rent or other payments that are auto paid through my account. XXXX XXXX XXXX was STOLEN FROM MY BANK ACCOUNTS.. I would have never used Zelle had I not been called by a person identifying himself as a fraud specialist from XXXX, with a caller ID that confirmed the call was from XXXX. After I received the dispute denial letters, I called and talked to another fraud specialist named, XXXX. I went through the entire story with her. She said she would send XXXX an email to inform her that I received denial letters dated XXXX that could not have had the information that XXXX took on XXXX XXXX XXXX suggested to give it a week, and call back to see if there had been any action by XXXX to re-file the dispute with the information missing from the 1st dispute report. I called again, on XXXX XXXX XXXX The fraud specialist I spoke to, said that a re-filling had not been completed. I told my story, AGAIN, and she told me she would re-file it for me, with all the information. It is now, XXXX XXXX XXXX. She told me I probably would not receive a response from the 2nd, filing for 10 days or more. I decided to send this letter in hopes that you or someone at a higher level of XXXX could look into my dispute with a complete understanding of what occurred. I think this situation has been handled extremely poorly and I am the only one paying for this XXXX Zelle scam. My biggest question is, why? Why would XXXX do business with Zelle knowing there are no safety protocols? Zelle was allowed to remove unlimited amounts of money from my accounts, without a safety protocol that would limit the amount or have another way to verify that the person removing the money is the bank account owner? This is NOT a good way to protect your customers from this kind of fraud/scam. I know I am small potatoes, when it comes to being a customer of XXXX. But, I have been a loyal customer for many, many years. Please don't shatter my belief, that XXXX is a bank of ethical integrity and it takes this kind of scam very seriously and the customer that was victimized, as a result. Please help me resolve this unfortunate issue. Thank you for your effort, in advance, to make this situation right. XXXX XXXX XXXX Acknowledgement of your email to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your email to chairman, president and XXXX XXXX XXXX XXXX XXXX XXXX I appreciate the opportunity to acknowledge your communication on behalf of XXXX XXXX and our executive offices. We regret to learn of the concerns described in your email and appreciate that youve taken this time to reach out to us. Please understand, we have a formal process for researching concerns; as such, we requested that your communications be reviewed by those that are in the best position to respond directly to you. Once we have completed a thorough review, it is our expectation that you will receive a phone call, or a written response will be provided to you as soon as possible. We are aware of the importance of addressing your inquiry in a timely manner; therefore, we will strive to expedite a response and we appreciate your patience during this time. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a letter on XXXX XXXX XXXX from the XXXX XXXX XXXX Response Unit, that again denied my claims. I sent another email yesterday, XXXX XXXX XXXX and received another response from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ZELLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CDT XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX XXXX XXXX, This is my 2nd email regarding the Zelle scam I was a victim of. Please refer to attachments with my original emails. XXXX XXXX XXXX, responded to my initial email to XXXX XXXX She informed me that "we requested that your communications be reviewed by those that are in the best position to respond directly to you". "Once we have completed a thorough review, it is our expectation that you will receive a phone call, or a written response will be provided to you as soon as possible". I received a letter from the XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX The letter was not signed by a person, just the department XXXX XXXX XXXX XXXX XXXX XXXX. Although, I appreciate the review of the denied fraud claim, I still feel that my situation is not being completely understood. I was referred to the "Digital Services Agreement". This means nothing to me, because I did not register for Zelle until I was guided to do so by the fraudster. Also, what was left out, is the fact that in the last 2 or 2.5 years, I have had multiple breaches to my checking account and had to order at least 2 or 3 new debit cards, the last being at the beginning of XXXX or it could have been XXXX XXXX XXXX. 2 years ago, I had a very serious breach and I had to have my accounts closed and had to open new accounts. That being said, at that time, when I spoke to the fraud specialists after these breaches occurred, they were given permission to access my accounts as we went over things and made changes. Even when this last breach occurred, the "real" fraud specialist was given permission to navigate into my account to help me (I gave them permission). So, when this imposter fraud person was supposably helping me, when his name appeared under my name on the Zelle account, I was told that was so he could see what was happening as we returned my money to my account. Even though I apparently agreed to the Digital Agreement, I was under the direction of the person impersonating a fraud specialist. I had not and would never have opened a Zelle account if I hadn't been guided to do so, by the person claiming to be a fraud specialist. I do not feel these aspects of my individual situation are being understood or taken into consideration. I am a loyal customer of XXXX years. I know you have policies and procedures that are to be followed, but I think that exceptions should be considered with individual circumstances, like mine, which, I have tried to explain to the best of my ability. The recent letter also reported that a request to recover funds was sent to Zelle, but they are not obligated to return these funds or respond to the request. Since having been scammed by Zelle through XXXX XXXX, I have been doing some research. The Zelle scam has been occurring through XXXX since the beginning of XXXX but has been a known scam through other banks such as XXXX XXXX XXXX, since XXXX. With more investigation I have discovered that several banks have had significant scam issues through Zelle. I was extremely SHOCKED to find out that XXXX XXXX is one of the 7 OWNERS of Zelle through a company, ironically called, EWS (Early Warning Services). I have links below where I got this information. I can't help but feel that XXXX XXXX has financially profited from the Zelle scam that victimized me and so many others. So, the request that was sent to Zelle, was essentially sent to EWS which XXXX XXXX partially owns. You cannot imagine how terribly disappointed I am to find out that XXXX is not the financial institution I have always believed them to be. I literally cried when I found this information. A bank I have done ALL my banking through for XXXX years, has become just another big bank that has no ethical integrity or concern for its patrons. This is not the bank I opened accounts with XXXX years ago!! The last thing I want to mention is this information: The Consumer Financial Protection Bureau (CFPB) recently announced it was conducting a probe into companies operating payments systems in the United States, with a special focus on platforms that offer fast, person-to-person payments. More can be found here: The Zelle Fraud Scam: How it Works, How to Fight Back XXXX on Security XXXX If this issue is not resolved and I do not receive the money that was "stolen" from my accounts, I will be researching lawyers that take on class action suits of this nature. With Great DisappointmentXXXX XXXX XXXX XXXX XXXX
06/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NH
  • 03110
Web
I am putting in this second complaint because my first complaint was completely erased and customer service informed me that when you add companies sometimes it glitches and does that. All the companies I've mentioned in my report i wish to add. I have learned that there are strict regulations to protect Consumers such as myself and our personal information, and that every company dealing with a Consumer has agreed that they would follow these regulations. In a gross violation of Numerous of my rights, they have chosen not to and have repeatedly violated the Fair Credit Reporting Act, Title VI of the Consumer Credit Protection Act, and The Privacy Act of 1974! 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. - No adverse item besides the conviction of crimes should be on my report, any item that is a derogatory mark is not allowed into consumer reports this is another violation.- 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. -By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports, they are also violating compliance procedures under this title.- Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. -Again they need prior written instruction of the individual to whom it relates.- Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information -Once again, they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974 ! - PART 1016 - PRIVACY OF CONSUMER FINANCIALINFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15. -Every company owes me a privacy notice before they furnish any information to my consumer report, another violation! - 12 CFR 1016.4 Initial privacy notice to consumers required. ( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( 2 ) Examples ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out. ( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. ( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ( i ) Duration of consumer 's opt out direction. ( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. -Once again they must give me an opt out notice for anything that is to be added to my consumer report.- 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. Important Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term consumer means an individual. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report; -Reporting my transaction history is illegal! Repeated Violations every month reported! - 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authorization - F.T.C. Violation, I have filed a report! - *Any collections means it has been Charged Off and is now a Certificate Of Indebtness and is considered Income and income can not be reported to my credit report according to I.R.S. Publication Laws, they must be removed. *All Inquiries violate 15 U.S.C. Permissable Purposes, Promotional Inquiries, 3rd parties were allowed to " peek '' at my credit and violate my privacy, clear violation of numerous rights laws and acts. Each one is its own violation with a separate penalty and must be removed! These severe violations have been the actions of XXXX, XXXX, XXXX ( who Ive learned I was a victim of their data breach as well, which is irrefutable proof of claim of identity theft along with XXXX and its own data breach ) Early Warning Services who received my personal account information from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX and numerous other companies on and off my report! I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title.
09/20/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Personal information incorrect
  • MD
  • 208XX
Web
On XX/XX/XXXX, I received from Early Warning LLC ( " XXXX '' ) my requested file disclosure. I immediately identified inaccuracies for eleven ( 11 ) accounts, including such information as my home address and Maryland Driver 's License number. Within less than 24 hours of receiving this disclosure, I prepared and submitted to Early Warning LLC, eleven ( 11 ) different documents, one for each account containing plainly inaccurate information. Each of these dispute documents both outlined and explained the precise nature of the inaccurate information for each of the eleven ( 11 ) accounts. These disputes submitted to Early Warning LLC included a specific description of which pieces of my information were inaccurate. I also included the correct information. All dispute documents were sent with attached photographs of supporting documentation. This supporting documentation was two clear, color, high-resolution photographs of government documents that verified my identity ( e.g. valid U.S. Passport ) and my home address / Maryland DL number ( e.g. valid Maryland Driver 's License ). All dispute documents were prepared and submitted in accordance with Early Warning 's dispute procedures. They were properly formatted and submitted in a timely fashion. My dispute was properly formatted, as it strictly adhered to the procedures listed by Early Warning LLC. My disputes were timely, in that they were filed within less than 24 hours of having received Early Warning LLC 's disclosure. All dispute documents displayed all information requested by Early Warning LLC ( e.g. consumer number, etc. ). Each document was signed, dated, and sent to Early Warning LLC via their secure upload service. My signature represents an unambiguous attestment to the correctness and validity of my statements that Early Warning LLC false and accurately displays my information and maintains that this inaccurate information is " ... complete and accurate ... '' The inaccurate and false information is as follows : For five ( 5 ) XXXX XXXX XXXX accounts, both my displayed address and Maryland Driver 's License number are inaccurate. For one ( 1 ) XXXX XXXX XXXX account, only my Maryland Driver 's License number is inaccurate. For one ( 1 ) XXXX XXXX XXXX account, only my my displayed address is inaccurate. I will outline the misrepresentations by Early Warning LLC in the following sections : ( 1 ) HOME ADDRESS IS FALSE AND INACCURATE : The address information listed for five ( 5 ) XXXX XXXX XXXX accounts and one ( 1 ) XXXX XXXX XXXX account is inaccurate. It is impossible for the listed address to be correct. In fact, it is impossible for the listed address to ever have been the correct address of a residence at which I lived. The home address appearing on Early Warning LLC 's report is reflected as a street address and an apartment number ( ex. " XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX code '' ). The street address ( ex. " XXXX XXXX XXXX '' ), however, is not an apartment building. Therefore, it can not and does not have an associated apartment number. Early Warning LLC 's report in patently false, in that it lists an address that is similar to my current address, but reflects it as having an apartment number when, in reality, it does not have an apartment number. I reside in a single family home ; it does not have an apartment number. It is standing, permanent single-structure house. It does not have an attached or detached building, which could even be construed as an apartment or a structure to which an individual number would be attached. It only has a street address ; there is no apartment number. To list it as having an apartment number when it has none is a bold error. The correct address of my residence is only a street address, without an apartment number ( ex. " XXXX XXXX XXXX, XXXX, XXXX, XXXX code '' ). Notice the lack of an apartment number in the format of this address. However, the address listed by Early Warning LLC is not an address at which I ever lived. Furthermore, the address listed by Early Warning LLC contains an apartment number ( ex. " XXXX XXXX XXXX XXXX XXXX, City, State, ZIP code '' ). Notice that this address contains a street address ( " XXXX XXXX XXXX '' ) AND an apartment number ( " ... XXXX XXXX '' ). The addition of the apartment number to this address makes the address inaccurate. The street address listed by Early Warning LLC is one with which there has never been an associated apartment number. Aside from the addition of an apartment number, the address listed by Early Warning LLC resembles that of the home at which I currently reside. My home, however, has never had an apartment. The home in which I reside is a new home. It was built to specification by my spouse and I. Therefore, it is not possible for the street address at which I currently reside to have ever to have an associated apartment number. This is true for three reasons : ( 1 ) The home did not exist in its physical form prior to my purchase of it. We made the purchase, after which the home was constructed. ( 2 ) The lot upon which the home sits was vacant prior to our purchase of it. It was an empty lot, there were no structures or homes of any kind on the lot prior to the building of the current house. ( 3 ) The home was built and turned over to my spouse and I without ever having an associated an apartment number. I explained in my dispute documents to Early Warning LLC this inaccuracy ( XX/XX/XXXX ). OnXX/XX/XXXXXX/XX/XXXX, I received Early Warning, LLC 's response. According to this response, Early Warning LLC asserts that the information is " accurate and complete as of the date it was furnished to [ Early Warning LLC 's ] database. '' The response statement by Early Warning LLC is materially incorrect. Early Warning LLC can not have possibly found that my address information to be " accurate and complete as of the date it was furnished to [ Early Warning LLC 's ] database. '' The reason is that the address listed by Early Warning LLC is that of a single family home. It is NOT an apartment building. And, it does NOT have an apartment number associated with it. It is a single-family home that does NOT contain an apartment number. Moreover, if the address listed were a correct and valid address ( which it is not ), it is not an address at which I ever lived. As documentation of Early Warning LLC 's error, I provided to them my Maryland Driver License ( valid & not expired ) that displays my correct current address. I also provided my U.S. Passport ( valid & not expired ) as proof of my identity. Nevertheless, Early Warning, despite having this information and documentation, maintained that my information is " accurate and complete as of the date it was furnished to [ Early Warning LLC 's ] database. '' This is plainly impossible. Again, it is simply not possible that the single family home in which I reside has an apartment number, as Early Warning LLC contends that it does. It is a single family home. It does not now, nor has it ever had, an associated apartment number. For these reasons, Early Warning LLC inaccurately lists my address. Likewise, their statement that the address information is " accurate and complete as of the date it was furnished to [ Early Warning LLC 's ] database, '' is incorrect, as well. It is a material misrepresentation to display and assert that the address listed on my Early Warning LLC report is " accurate and complete as of the date it was furnished to [ Early Warning LLC 's ] database. '' This is an inaccurate piece of information for which I filed with Early Warning LLC a proper and timely dispute. Early Warning LLC, however, failed to correct a piece of information which is plainly false. ( 2 ) MARYLAND DRIVER LICENSE NUMBER DISPUTE : My Maryland Driver 's License number is listed in Early Warning LLC 's report disclosure as an eight ( 8 ) digit number, without any letter contained within it ( ex. " XXXX '' ). Notice that this number is only numerical digits, it does not contain any letters. Early Warning LLC further lists this number as a license number for the State of MD, '' indicating it to be a Maryland Driver 's License. This eight ( 8 ) digit number that Early Warning LLC lists as being my Maryland Driver 's License number is not a properly formatted Maryland Driver 's License number. Moreover, it is not my correct Maryland Driver 's License number ; it is not a Maryland Driver License number that I have ever held. There are two indisputable facts upon which I ground the above-listed claims : FIRST, it is impossible for the number listed by Early Warning LLC to be a correct, valid, and accurate Maryland Driver 's License number. All Maryland Driver 's License numbers are a single letter ( the first letter of the license holder 's surname ) followed by twelve ( 12 ) digits ( ex. " XXXX '' ). Early Warning LLC lists only eight ( 8 ) digit number, without a preceding letter. Thus, it is false for Early Warning LLC to claim as they did, that the listed number was " accurate and complete as of the date it was furnished to [ Early Warning LLC 's ] database. '' The number currently listed on my report is not accurate, and it is not a complete Maryland Driver License number. The basis upon which my claims rest are both correct and indisputable. A correct Maryland Driver 's License number would have to be in the following format : One letter, followed by twelve digits ( ex. " XXXX '' ). However, Early Warning LLC lists my Maryland Driver 's License number as having only eight digits. SECOND, even if the Maryland Driver License number listed by Early Warning LLC was a properly formatted Maryland Driver 's License number ( which it is not ), it is not my Maryland Driver 's License number. In fact, I never held the Maryland Driver License number that Early Warning LLC claims to be " accurate and complete. '' This second claim, like the first, is based upon material fact that is correct and indisputable. I have only held one Maryland Driver 's License number. I will not display that number here ; however, I did provide my correct Maryland Drivers License Number to Early Warning LLC in clear and accurate fashion. The manner in which I provided my correct Maryland License Number to Early Warning LLC was single a clear, color, high-resolution photograph of my current Maryland Driver License ( valid and not expired ). I submitted this photograph to Early Warning LLC with my dispute documents. As documentation of Early Warning LLC 's error, I provided to them my Maryland Driver License ( valid & not expired ), which I described above. This photograph displays my correct and current Maryland Driver License number. I also provided my U.S. Passport ( valid & not expired ), as proof of my identity. Early Warning LLC was sent and received the above reference photographs : ( 1 ) my Maryland Driver 's License ( the only Maryland Driver 's License number I have ever held ) that clearly a displayed number entirely different from that listed on Early Warning LLCs report ; ( 2 ) my U.S. Passport. Despite this, Early Warning LLC still maintains that the license number contained in my report is " accurate and complete ; it is neither " accurate, '' nor is it " complete. '' For these reasons, it is a material misrepresentation for Early Warning LLC to display and assert that the Maryland Driver License number listed on my report is " accurate and complete as of the date it was furnished to [ Early Warning LLC 's ] database. '' This is an inaccurate piece of information for which I filed with Early Warning LLC a proper and timely dispute. Early Warning LLC, however, failed to correct a piece of information which is plainly false.
07/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MA
  • 02136
Web
According to the Fair Credit Reporting Act 15 U.S. Code 1681b ( a ) it states Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Early Warning Services is the reporting agency, and I am the consumer. I have not given written instruction to Early Warning Services to furnish a single thing on the consumer report in the PDF file attached named EWS XXXX. In 12 CFR 1022.3 - Definitions it states ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.. I did not give the authority for Early Warning Services written consent to have anything added to my consumer report. This violation applies to every item in the PDF file attached named EWS XXXX. In 15 U.S. Codes 6801 it states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. I have the right to make sure my private information isn't shared. This violation applies to every item in the PDF file attached named EWS XXXX. In 15 U.S. Code 1681- Congressional findings and statement of purpose it states ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. These unfair credit reporting methods undermine my confidence in continued functioning of the banking system. This violation applies to every item in the PDF file attached named EWS XXXX. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My respect to privacy is not a concern to Early Warning Services ; this violation applies to every item in the PDF file attached named EWS XXXX. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information it states ( a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. This violation applies to every item in the PDF file attached named EWS XXXX. In 15 U.S. Code 6802 it states ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; Early Warning Services has not disclosed in writing or in electronic form permitted under section 6804 of this title, that such information may be disclosed to such third party. This violation applies to every item in the PDF file attached named EWS XXXX. In 15 U.S. Code 6802 ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and. I was not given the opportunity to direct the information to not be disclosed to such third party ; this violation applies to every item in the PDF file attached named EWS XXXX. In 15 U.S. Code 6802 ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was not given an explanation of how to exercise that option this is a single violation. In 15 U.S. Code 6802 ( 2 ) with the consent or at the direction of the consumer. I have not given my consent nor was this done at my discretion, this violation applies to every item in the PDF file attached named EWS XXXX. In 15 U.S. Code 6803 - Disclosure of institution privacy policy it states ( a ) At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to '' ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 3 ) protecting the nonpublic personal information of consumers. I have not received a disclosure annually from Early Warning Services that provides a clear and conspicuous disclosure in writing or in electronic form with respect to what is stated in ( 1 ) and ( 3 ). This violation applies to each year since establishment of a customer relationship on XX/XX/XXXX as stated in the XXXX XXXX section ( Page 3 of 26 ). In 15 U.S. Code 1681a - Definitions ; rules of construction it states ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report; ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;. I was not given the opportunity, before the time that the information was initially communicated to direct that such information to not be communicated among such persons. This violation applies to every item in the PDF file attached named EWS XXXX. In 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports it states ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.. This violation applies to every returned transaction ( 19 total ) in the PDF file attached named EWS XXXX. In 15 U.S. Code 1681e - Compliance procedures it states ( a ) Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports the Early Warning Systems is also violating compliance procedures under this title. This violation applies to every item in the PDF file attached named EWS XXXX. In the Privacy Act of 1974 5 U.S. Code 552a - Records maintained on individuals, the term record is defined as ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ;. In ( b ) it states CONDITIONS OF DISCLOSURE No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. This further proves that Early Warning Services need prior written instruction of the individual to whom it relates, and I have not given them written consent for such actions This violation applies to every item in the PDF file attached named EWS XXXX. In 31 U.S. Code 3711 - Collection and compromise it states ( e ) ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and. Not has Early Warning Services violated the Fair Credit Reporting Act, but they have also violated the Privacy Act of 1974. This violation applies to every item in the PDF file attached named EWS XXXX. In 16 CFR 313.4 Initial privacy notice to consumers required it states When you establish a customer relationship ( 1 ) General rule. You establish a customer relationship when you and the consumer enter into a continuing relationship. I never received such notice ; this is a violation. 15 U.S. Code 6803 - Disclosure of institution privacy policy was violated therefore this was also violated ; this is a single violation. In 16 CFR 313.5 Annual privacy notice to customers required. ( a ) In general ( 1 ) General rule. Except as provided by paragraph ( e ) of this section, you must provide a clear and conspicuous notice to customers that accurately reflects your privacy policies and practices not less than annually during the continuation of the customer relationship. Annually means at least once in any period of 12 consecutive months during which that relationship exists. You may define the 12-consecutive-month period, but you must apply it to the customer on a consistent basis. 15 U.S. Code 6803 - Disclosure of institution privacy policy was violated therefore this was also violated. This violation applies to each year since establishment of a customer relationship on XX/XX/XXXX as stated in the XXXX XXXX section ( Page 3 of 26 ).
02/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • OH
  • 454XX
Web
I have received your recent response to my initial inquiry and request for verification of Account Abuse from XXXX Bank. Be advised that your response is inadequate for the purposes of valid verification. You have failed to provide any documentation to corroborate the claim that I have Account Abuse from XXXX Bank. I have received your recent response to my initial inquiry and request for verification of Closed For Purge/Cause from XXXX Bank, XXXX XXXX XXXX, XXXX Bank XXXX XXXX Bank. Be advised that your response is inadequate for the purposes of valid verification. You have failed to provide any documentation to corroborate the claim that I have Closed For Purge/Cause from XXXX Bank, XXXX XXXX XXXX, XXXX Bank XXXX XXXX. Therefore, I am resubmitting my request to include the following specifics that I require from you : Copies of signed documents provided by XXXX Bank, XXXX XXXX XXXX, XXXX Bank XXXX XXXX. These documents should bear my signature and clearly state that I have a legally binding and contractual obligation to pay them. The full names, addresses, and direct telephone numbers for each of the individuals at XXXX Bank, XXXX XXXX XXXX, XXXX Bank XXXX XXXX that you contacted in the course of your investigation. Please also be advised that a verbal confirmation from XXXX Bank, XXXX XXXX XXXX, XXXX Bank XXXX XXXX does not suffice as proof of validation. If this matter is not resolved within the next fifteen ( 15 ) business days, I will take further steps to preserve my rights. Please be aware that I am maintaining an ongoing documented record of my communications with you for the purpose of filing a complaint with the FTC and the state of OH Attorney Generals office, if the matter is not satisfactorily resolved. If you are unable to furnish the validation specifics listed above, and the Closed For Purge/Cause is not removed from my Early Warning file, I will pursue legal remedies to the fullest extent of the law, including exerting my rights underneath the Fair Credit Reporting Act to sue for damages. Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... .. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
12/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Report provided to employer without your written authorization
  • CA
  • 90043
Web
Early warning gave out wrong information on the accts that want accurate i got denied of old information i refuse to pay any debt they saying they not negative but its stoping me from opening acccount without my knowleged... its has old reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Comprehensive File Disclosure This report was prepared for XXXX XXXX on XX/XX/XXXX. Please provide this Consumer ID Number, along with your Name, Social Security number or Tax ID number, in any future contact with Early Warning. Consumer ID : XXXX Information You Provided This section displays the information you provided Early Warning for the purposes of preparing this report. XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone XXXX FAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX State identification XXXX Name : Address : Date of Birth : SSN : ID Type : ID Number : Understanding Your File Disclosure The personal information you provide to Early Warning will only be used to respond to your request for a consumer file disclosure. Early Warning does not share or sell this information to any unauthorized parties. This file disclosure contains the information in your file that has been furnished to Early Warning by its participating financial institutions, and which is maintained by Early Warning in its databases. If you believe any information in your file to be inaccurate or incomplete, you may dispute that information as outlined in this disclosure. XXXX Early Warning Services. All Rights Reserved. Confidential and proprietary Comprehensive Report The following section refers to transactions related to your bank account ( s ). See the definitions section of this report for additional information. Bank Name : XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX : XXXX XXXX of Birth : XX/XX/XXXX ID # : XXXX ID Type : XXXX Email Addresses : XXXX Status History Status as of XX/XX/XXXX : Closed-Purged Status as of XX/XX/XXXX : Closed Status as of XX/XX/XXXX : Pending Closed Bank Name : XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Savings Closed-Purged Previous Account Status : Savings Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX,, Phone : XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX : XXXX XXXX XXXX Birth XXXX XX/XX/XXXX ID # XXXX XXXX ID Type : XXXX Email Addresses : XXXX Status History Status as of XX/XX/XXXX : Savings Closed-Purged Status as of XX/XX/XXXX : Savings Closed Status as of XX/XX/XXXX : Savings Pending Closed Bank Name : XXXX XXXXXXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX, CA XXXX XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX ID XXXX XXXX XXXX ID XXXX XXXX XXXX ID State : CA ID Expire Date : XX/XX/XXXX Email Addresses : XXXX Status History Status as of XX/XX/XXXX : Closed-Purged Status as of XX/XX/XXXX : Closed Status as of XX/XX/XXXX : Pending Closed Status as of XX/XX/XXXX : Post No Debits XXXX Early Warning Services. All Rights Reserved. Confidential and proprietary Page 2 of 12 Comprehensive Report Status as of XX/XX/XXXX : Present Status as of XX/XX/XXXX : New Account Status as of XX/XX/XXXX : New Account Bank Name : XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Savings Closed-Purged Previous Account Status : Savings Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : STATE ID State : CA ID Expire Date : XX/XX/XXXX Email Addresses : XXXX Status History Status as of XX/XX/XXXX : Savings Closed-Purged Status as of XX/XX/XXXX : Savings Closed Status as of XX/XX/XXXX : Savings Pending Closed Status as of XX/XX/XXXX : Savings Post No Debits Status as of XX/XX/XXXX : Savings Present Status as of XX/XX/XXXX : Savings New Account Status as of XX/XX/XXXX : Savings New Account XXXX Type Date Account Number Check Number Amount Return Reason Return Transactions ACH XX/XX/XXXX XXXX {$0.00} Other Item Bank Name : XXXX XXXXXXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX Current Account Status : Savings Present Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXXXXXX XXXX XXXX Phone XXXX XXXX Address : XXXX With XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX : XXXX Email Addresses : XXXX Status History Status as of XX/XX/XXXX : Savings Present Bank Name : XXXX XXXX Bank Routing # : XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Name : XXXXXXXX XXXX XXXXXXXX Phone XXXX XXXX Phone : XXXX XXXX : XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : XXXX ID State : CA ID Expire Date : XX/XX/XXXX XXXX Early Warning Services. All Rights Reserved. Confidential and proprietary Page 3 of 12 Comprehensive Report Bank Name : XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Name : XXXX, XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX Bank Name : XXXX Bank Routing XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX Name : XXXX, XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Bank Name : XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Date of Last Status Change : XX/XX/XXXX Name : XXXXXXXX XXXX XXXX Phone : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX Birth XXXX XX/XX/XXXX ID # : XXXX ID Type : STATE ID State : CA ID Expire Date : XX/XX/XXXX Email Addresses : XXXX Status History Status as of XX/XX/XXXX : Closed-Purged Status as of XX/XX/XXXX : Closed Status as of XX/XX/XXXX : Pending Closed Status as of XX/XX/XXXX : Post No Debits Status as of XX/XX/XXXX : New Account Bank Name : XXXXXXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX XXXX XXXX : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX Email Addresses XXXX XXXX Status History Status as of XX/XX/XXXX : Closed-Purged Status as of XX/XX/XXXX : Closed Status as of XX/XX/XXXX : Overdrawn Status as of XX/XX/XXXX : Overdrawn Status as of XX/XX/XXXX : Present Status as of XX/XX/XXXX : Overdrawn Status as of XX/XX/XXXX : Overdrawn Status as of XX/XX/XXXX : Present Status as of XX/XX/XXXX : Overdrawn XXXX Early Warning Services. All Rights Reserved. Confidential and proprietary Page 4 of 12 Comprehensive Report Status as of XX/XX/XXXX : Overdrawn Status as of XX/XX/XXXX : Present Status as of XX/XX/XXXX : Overdrawn Status as of XX/XX/XXXX : Overdrawn Status as of XX/XX/XXXX : Present Status as of XX/XX/XXXX : Overdrawn Status as of XX/XX/XXXX : Overdrawn Status as of XX/XX/XXXX : Present Status as of XX/XX/XXXX : New Account Status as of XX/XX/XXXX : Overdrawn Status as of XX/XX/XXXX : Overdrawn Status as of XX/XX/XXXX : New Account Status as of XX/XX/XXXX : Overdrawn Status as of XX/XX/XXXX : Overdrawn Status as of XX/XX/XXXX : New Account Status as of XX/XX/XXXX : New Account Status as of XX/XX/XXXX : Overdrawn Status as of XX/XX/XXXX : Overdrawn Status as of XX/XX/XXXX : New Account Status as of XX/XX/XXXX : New Account Status as of XX/XX/XXXX : Overdrawn Status as of XX/XX/XXXX : Overdrawn New Account Status as of XX/XX/XXXX : New Account Status as of XX/XX/XXXX : New Account Balance Information : Date Balance Interest Paid XX/XX/XXXX {$0.00} {$0.00} XX/XX/XXXX ( {$140.00} ) {$0.00} XX/XX/XXXX ( {$340.00} ) {$0.00} XX/XX/XXXX ( {$200.00} ) {$0.00} XX/XX/XXXX {$1100.00} {$0.00} XX/XX/XXXX {$390.00} {$0.00} XX/XX/XXXX {$630.00} {$0.00} XX/XX/XXXX {$0.00} {$0.00} XX/XX/XXXX {$2600.00} {$0.00} XX/XX/XXXX {$670.00} {$0.00} Bank Name : XXXX XXXXXXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Savings Closed For Cause-Purged Previous Account Status : Savings Closed For Cause Date of Last Status Change : XX/XX/XXXX Name : XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX Email Addresses : XXXX Status History XXXX Early Warning Services. All Rights Reserved. Confidential and proprietary Page 5 of 12 Comprehensive Report Status as of XX/XX/XXXX : Savings Closed For Cause-Purged Status as of XX/XX/XXXX : Savings Closed For Cause Status as of XX/XX/XXXX : Savings Present Status as of XX/XX/XXXX : Savings Overdrawn Status as of XX/XX/XXXX : Savings New Account Status as of XX/XX/XXXX : Savings New Account Status as of XX/XX/XXXX : Savings New Account Status as of XX/XX/XXXX : Savings New Account Balance Information : Date Balance Interest Paid XX/XX/XXXX {$0.00} {$0.00} XX/XX/XXXX {$20.00} {$0.00} XX/XX/XXXX {$20.00} {$0.00} XX/XX/XXXX {$0.00} {$0.00} XX/XX/XXXX {$0.00} {$0.00} XX/XX/XXXX {$550.00} {$0.00} XX/XX/XXXX {$0.00} {$0.00} XX/XX/XXXX {$3000.00} {$0.00} XX/XX/XXXX {$100.00} {$0.00} The following entities have accessed information about you up to the last thirty-six months. Inquirer Name Inquirer Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX SOCIAL SECURITY ADMINISTRATION via XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX SOCIAL SECURITY ADMINISTRATION via XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Early Warning Services. All Rights Reserved. Confidential and proprietary
08/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33309
Web
ATTN : CFPB and FTC and Florida States Attorney General In CFPB complaint number XXXX EWS conveniently sent a response to my initial complaint number XXXX that there is inaccurate and unverifiable information on my report that they failed to address within 30 days of which the supposed attached PDF with their response is an invalid and unopenable PDF. EWS clearly states in their attached correspondence with me, that they received my dispute letter in regards to my entire account on XX/XX/2021. It is now XX/XX/2021 and I have not received a report in regards to any investigation. XXXX XXXX XXXX XXXX XXXX XXXX Consumer ID : XXXX here are MULTIPLE violations on my Early Warning Services report including 15usc 6802 subsections ( a ) and ( b ) which prohibits the disclosure of my non public personal information without my consent! This is a violation of the FCRA All of the accounts for Early Warning Systems are listed below : Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! Open date incorrect Closed date incorrect Consumer removed date incorrect XXXX XXXX XXXX Account # : XXXX Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX XXXX ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! Open date incorrect Closed date incorrect Consumer removed date incorrect XXXX XXXX Account # : XXXX Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! Open date incorrect Closed date incorrect Consumer removed date incorrect Account was never overdrawn to my knowledge XXXX XXXX XXXX FLORIDA Account # : XXXX Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! Open date incorrect Closed date incorrect Consumer removed date incorrect XXXX XXXX XXXX Account # : XXXX Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX XXXX ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! Open date incorrect Closed date incorrect Consumer removed date incorrect Account was never overdrawn to my knowledge XXXX XXXX XXXX FLORIDA Account # : XXXX Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX Account # : XXXX XXXX date incorrect Closed date incorrect Consumer removed date incorrect Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Consumer removed date incorrect Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Last status change date incorrect Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Last status change date incorrect Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Last status change date incorrect Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Last status change date incorrect Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Last status change date incorrect Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Last status change date incorrect Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Last status change date incorrect Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Last status change date incorrect Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Last status change date incorrect Account was never overdrawn to my knowledge Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Last status change date incorrect Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Last status change date incorrect Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Last status change date incorrect Account was never overdrawn as far as I know Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Last status change date incorrect Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Last status change date incorrect Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and XXXX XXXX subsections ( a ) and ( b ) violations! XXXX XXXX XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Last status change date incorrect Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Last status change date incorrect Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Thank you, XXXX XXXX
02/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30344
Web
I have requested that Early Warning Service provide with documentation and information from the alleged bank that is reporting to their company. I have yet to receive that information from Early Warning Service. I have yet to receive a response from your company. Please also be advised that a verbal confirmation from XXXX XXXX XXXX and XXXX XXXX does not suffice as proof of validation. If this matter is not resolved within the next fifteen ( 15 ) business days, I will take further steps to preserve my rights. It has been 30 days since I sent my initial validation request and I have not received a reply. As there has been no communication from you, I must conclude that you do not have the information available to validate the CLOSED FOR PURGE from XXXX XXXX XXXX and XXXX XXXX. Because the CLOSED FOR PURGE remains on my Early Warning file, I must also conclude that you are reporting this information in error. Please be aware that your failure to respond to my request is a violation of the Fair Credit Reporting Act, as is the continued listing of inaccurate and unverifiable information in my file. Unless I am notified otherwise within 30 days from your receipt of this notice, I will conclude that you and [ name of bank ] have waived all claims in this matter and that the issue is permanently closed. Likewise, if the CLOSED FOR PURGE is not removed from my Early Warning file, I will file suit in small claims court to retrieve damages for your ongoing violation of the FCRA. Please note that this communication, for the purposes of 15 USC 1692 et seq., has the same effect as a dispute to the validity of the alleged debt. This communication is also a dispute to the validity of your claims pertaining to CLOSED FOR PURGE. This communication has been sent in an attempt to correct your records and to preserve my rights underneath the FCRA. Any information obtained from you will be collected as evidence should this matter remain unresolved. Please note that this letter is a request for information only, and is not a statement, election, or waiver of status. Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required XXXX of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. XXXX ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
08/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • FL
  • 34120
Web
XXXX To whom it may concern, My fears are exactly as I thought, there are numerous mistakes on XXXX. As Ive stated years ago to each bank, I had my identity stolen. And instead of the banks addressing it correctly, they punished me, wrote incorrect filings, and that damage is causing me extreme distress amongst other issues. Attached is the police report of the identity theft. You are to immediately remove my entire XXXX statement, any refusal to do so will result in a lawsuit. XXXX has a history of this type of behavior, and that behavior being incorrectly stating issues on their website, which results in punishment against me, when it was not my fault I had my identity breached. Make note, I also told numerous bank representatives this years ago, and everyone failed to update documents correctly, in an attempt to purposely hurt me. In one instance of XXXX found here, XXXX XXXX XXXX XXXX paid out for mis handling information, and just a couple years later, XXXX is STILL GUILTY OF THIS, making the precedent that much more true. This is amongst numerous other lawsuits where XXXX violated the law. The information XXXX has is inherently incorrect, false, and not true. From all banks related, via XXXX XXXX XXXX, XXXX XXXX, XXXX, and Bank XXXX XXXX, on the entire report. XXXX has an obligation and duty under law to keep and maintain accurate records and has failed to do so which caused me harm. The harm being, and not limited to just this, is me being unable to open a bank account because of the incorrect information of XXXX Failure to properly dispose of such issues on my XXXX will result in an immediate lawsuit, with case precedent to back my claims, that even after the class action, XXXX is still doing the same thing. Additionally, I will report, in the event this issue does not resolve immediately, to the numerous federal branches that oversee XXXX and remind them, that even after numerous lawsuits, XXXX is still posting incorrect information, failing to update information, and is doing so to purposely hurt consumers like myself and not limited to that. XXXX primarily tracks fraudulent activities such as check fraud, bank fraud, forgery, check-kiting, check alteration and counterfeiting, ALL OF WHICH I AM NOT GUILTY OF. What I am guilty of is, is being a VICTIM, to IDENTITY THEFT. I SHOULD HAVE NO FILE WITH XXXX AS I DID NOTHING WRONG. Resolution : There is one resolution, and only one I will accept. After I submit this, and include the identity theft report, XXXX is to immediately remove every mark on the file, from every bank, and give me a clean sheet. What this means is that I am not liable for identity theft and will not be punished as such. The identity breaches where happening and still are happening to date. In the event XXXX fails to properly maintain my file, this will result in a lawsuit, just like the many other before. I have notified and been notified the banks about such issues, especially when it was happening and the banks refused to protect me and instead blatantly abused my trust in them, IN BAD FAITH. This is very deceitful and I will not stand for this. Legal Notice : I have a right to amend this statement and filing. All communication will be subject to legal interpretation. Sent XX/XX/2022 at XXXXXXXX XXXX, to the secure message center from email link to XXXX XXXX XX/XX/XXXX, I called XXXX and spoke to a XXXX at XXXX. XXXX failed to provide me his work ID and last name and failed to provide proper information so that I know who he is when dealing with my claims. XXXX exclaimed during the phone call that the police report was not legitimate, THIS IS FALSE. XXXX had many reasons for why the police report was not official however, none of which are covered under the FCRA or any terms and conditions. One reason XXXX said EWS denied my official police report because it looked like a screenshot. I then stated to him, how else am I suppose to upload to pdf. His claim made no sense. Next he stated it was unofficial because of no signature on an official police report. ( I called the XXXX on XX/XX/2022, to confirm if this was true, and the sheriff deputy said that EWS was incorrect and that it is an official document that they would hand to a court official ). So the non signature on my official police report is not a valid reason nor can XXXX provide a valid reason to deny it. Additionally I asked XXXX to speak directly to the dispute team handling my disputes, in which he refused, because he said they didnt have a direct number, while he was directly communicating with the dispute team at XXXX on the phone, so that was another lie. XXXX habitually stated that it was not an official police report which leads to one of two assumptions, either A ) Im committing fraud by submitting a fraud police report I made up ( WHICH IS UNTRUE ) or B ) XXXX is purposely being malicious, and failing to protect a victim of identity theft. The answer is B. I asked to speak to a manager, he then stated it would be 24-48 hours before one calls me back. I still havent received a call from a manager. XXXX also stated I can use the transfer portal to upload document, in which I told him Ive already done that a few times Proof below. Here is an email sent directly of the police report much before XXXX said I didnt upload it. Additionally proof of submittance of documents shown below. Sent PDF More additional proof of me submitting documents with a hyperlink and jpeg image. XXXX had told me my claims where all denied because I failed to provide an official police report which is exactly what I provided, XXXX is willfully hurting me and blaming the victim of Id theft for things I did not do or commit. XXXX is purposely acting in bad faith and stupid, because we all know, even the sheriffs office, that the document I sent is legit. Additionally I filed a report to the CFPB about the violations on XX/XX/2022. The complaint ID is XXXX On XX/XX/XXXX, I called XXXX after the above information and asked to speak to a manager. The call rep on the phone told me there was nothing a manager could do ( which is a lie ). The rep on the phone then told me, after XXXX told me the day prior that my disputes where denied, that my disputes are opened back up. I can only assume this bc of the CFPB complaint. And to date, still have not got a call back from a manager. On XX/XX/2022, I updated my complaint to the CFPB case number on the updated claim is XXXX I received this email from XXXX at XXXXXXXX XXXX Once again stating for me to upload my identity theft documents and report. I then stated this below, and once again it shows delivery of PDF ( as requested ) of the official police report. For the fifth or 6th time. The email that requested PDF Also on XX/XX/XXXX, called XXXX around XXXX, XXXX is having trouble finding my profile under my name which I spelled out perfectly, XXXX is also stating no consumer profile found under my name, XXXX was refusing for a good majority to let me speak to a manager for the first 5 minutes before he finally budged, even though a manager should have called me by now to directly correlate with me, so much passed the 48 hours I was told a manager would call me back. Waited much longer than 5 min. And waited longer than 10 min, no manager contact still after waiting longer than 10 minutes, was promised management would call much prior and XXXX hung up at XXXX refusing to let me speak to a manager. In the notes, from talking to XXXX, she exclaimed XXXX said the call was released bc there was no response, which is false, he also never even asked if I was there, you guys actively record conversations, you will hear me during the conversation with XXXX, I never hung up, I was there the entire 20+min call, as the record of the phone call conversation that was recorded will prove. Called back the same day at XXXX XXXX after XXXX hung up, I called XXXX picked up. Had trouble finding my information once again by my name. Even though XXXX had no issues, but this came right after I reported them to cfpb. XXXX then asked me for my social and I gave up, then put me on hold to look it up. And having trouble look up account from social but was able to finally find the profile. Then XXXX put me on hold to transfer me to a supervisor. The supervisors name is XXXX. Still requesting I submit Id theft report when Ive done so over 6x. XXXX is failing to provide who is exclaiming my legit police report is not legit. He is failing to provide a name, a person, or a judgement, on the person who made the report. I keep hammering them what makes my unofficial police report an official report. XXXX doesnt understand the push back. I asked why do I need to be out on hold for him to look at a file. XXXX. Has stated he provided me the missing information, I then exclaimed no he did not, I then asked him once again, what about my police identity theft report was not official, he is forcing me to put me on hold to look at my information, when he can easily look at my info while Im not on hold. Refusing to tell me why he needs to put me on hold, when Im asking him why my document is not official, he continues to tell me I need to be put on hold, but refuses to tell me why he needs to put me on hold. XXXX says its to review my file, I then state back to XXXX, that you need to put me on hold to look at my file?, while you already pulled up my file in the beginning of the conversation. Habitually stating to me how he needs to put me on hold to look at my file while he already had it. XXXX is stating the police document I submitted is not an official document which is a lie, as proven by the documents Ive provided. XXXX is exclaiming the legitimate police report I provided from my id theft is not legit. Below for the CFPB is my legitimate police report for Id theft.
07/21/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Opening an account
  • Unable to open an account
  • FL
  • 33309
Web
There are MULTIPLE violations on my Early Warning Services report including 15usc 6802 subsections ( a ) and ( b ) which prohibits the disclosure of my non public personal information without my consent! This is a violation of the FCRA All of the accounts for Early Warning Systems are listed below : Name : XXXX XXXX XXXX XXXX ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! Open date incorrect Closed date incorrect Consumer removed date incorrect XXXX XXXX XXXX Account # : XXXX Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX XXXX ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! Open date incorrect Closed date incorrect Consumer removed date incorrect XXXX XXXX Account # : XXXX Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! Open date incorrect Closed date incorrect Consumer removed date incorrect Account was never overdrawn to my knowledge XXXX XXXX XXXX XXXX Account # : XXXX Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! Open date incorrect Closed date incorrect Consumer removed date incorrect XXXX XXXX XXXX Account # : XXXX Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! Open date incorrect Closed date incorrect Consumer removed date incorrect Account was never overdrawn to my knowledge XXXX XXXX XXXX XXXX Account # : XXXX Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Consumer removed date incorrect Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX XXXX ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Consumer removed date incorrect Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Last status change date incorrect Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX BANK Account # : XXXX Open date incorrect Closed date incorrect Last status change date incorrect Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Last status change date incorrect Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Last status change date incorrect Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Last status change date incorrect Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Last status change date incorrect Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Last status change date incorrect Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Last status change date incorrect Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Last status change date incorrect Account was never overdrawn to my knowledge Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Last status change date incorrect Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Last status change date incorrect Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Last status change date incorrect Account was never overdrawn as far as I know Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Last status change date incorrect Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Last status change date incorrect Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Last status change date incorrect Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Name : XXXX XXXX XXXX SSN/Tax ID # : XXXX Consumer ID : XXXX Incorrect information and 15usc 6802 subsections ( a ) and ( b ) violations! XXXX XXXX XXXX XXXX Account # : XXXX Open date incorrect Closed date incorrect Last status change date incorrect Delete this account please if you can not validate the debt with all documentation associated with it to include any contracts that display my signature. Thank you, XXXX XXXX
05/31/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • XXXXX
Web
From : XXXX XXXX Report ID number is not available Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ] Dear XXXX XXXX , XXXX, and Early warning Systems I am writing to request an investigation of the following information that appears on my XXXX consumer report. The accounts started to appear after i left the United states back in XXXX. all of these accounts does not belong to me!!!!!. : Dispute 1 Checking account from XXXX XXXX Source of dispute information : Early Warning Report Name : XXXX XXXX SSN/Tax ID # : XXXX Phone : XXXX Phone : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX USA ID # : XXXX XXXX XXXX ID Type : Driver 's License/USA ID State : NY ID Exp. Date : XX/XX/XXXX Alt ID State : NY Date of Birth : XX/XX/XXXX Bank Routing # : XXXX Account # : XXXX Account Type : Primary signer Incident Date : XX/XX/XXXX Principal Loss : {$310.00} Fee Reversal : {$42.00} Combined Loss & Fee Reversal : {$0.00} Paid/UnPaid/Settled : Unpaid Im the victim of identity theft and I dont recognize this account on my report. Also I have already filed report to identitytheft.gov reference number XXXX Dispute 2 Checking account from XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, Phone : XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Im the victim of identity theft and I dont recognize this account on my report. Also I have already filed report to identitytheft.gov reference number XXXX Dispute 3 Checking account from XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause-Purged Previous Account Status : Closed For Cause Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX USA SSN : XXXX Date of Birth : XX/XX/XXXX Email Addresses : XXXX XXXX the victim of identity theft and I dont recognize this account on my report. Also I have already filed report to identitytheft.gov reference number XXXX Dispute 4 Checking account from XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX US SSN : XXXX Date of Birth : XX/XX/XXXX Im the victim of identity theft and I dont recognize this account on my report. Also I have already filed report to identitytheft.gov reference number XXXX I was even not in the United States while this account has been opened and functioning, please find attached I-94 Form. Dispute 4 Checking account from XXXX XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed Previous Account Status : Overdrawn Date of Last Status Change : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX XXXX XXXX ID Type : DRIVERS_LICENSE_US ID State : NY ID Expire Date : XX/XX/XXXX Im the victim of identity theft and I dont recognize this account on my report. Also I have already filed report to identitytheft.gov reference number XXXX I was even not in the United States while this account has been opened and functioning, please find attached XXXX XXXX. Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause Previous Account Status : Ne Date of Last Status Change : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX XXXX XXXX ID Type : DRIVERS_LICENSE_US ID State : NY ID Expire Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause Previous Account Status : New Account Date of Last Status Change : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX XXXX XXXX ID Type : DRIVERS_LICENSE_US ID State : NY ID Expire Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause Previous Account Status : New Accoun Date of Last Status Change : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX XXXX XXXX ID Type : DRIVERS_LICENSE_US ID State : NY ID Expire Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause Previous Account Status : New Account Date of Last Status Change : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX XXXX XXXX ID Type : DRIVERS_LICENSE_US ID State : NY ID Expire Date : XX/XX/XXXX Please also see hard inquires made to my report Inquiry Date : XX/XX/XXXX Name : XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, NY XXXX Phone : XXXX SSN/TIN # : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : State identification ID State : NY ID Country : USA ID Expiration Date : XX/XX/XXXX Inquirer : XXXX XXXX Inquiry Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Inquirer : XXXX XXXX Phone : XXXX SSN/TIN # : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : State identification ID State : NY ID Country : USA ID Expiration Date : XX/XX/XXXX Inquiry Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, IL XXXX Phone : XXXX SSN/TIN # : XXXX Date of Birth : XX/XX/XXXX Inquirer : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Name : XXXX XXXX Account Open Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone : XXXX SSN/TIN # : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : Driver 's License ID State : NY ID Expiration Date : XX/XX/XXXX Inquirer : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone : XXXX SSN/TIN # : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : Driver 's License/USA ID State : NY ID Country : USA ID Expiration Date : XX/XX/XXXX Inquirer : XXXX XXXX Inquiry Date : XX/XX/XXXX Name : XXXX XXXX Account Open Date : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX Phone : XXXX SSN/TIN # : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : Driver 's License ID State : NY ID Expiration Date : XX/XX/XXXX Inquirer : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Name : XXXX XXXX Inquirer : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX Phone : XXXX SSN/TIN # : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : Driver 's License/USA ID State : NY ID Country : USA ID Expiration Date : XX/XX/XXXX Inquiry Date : XX/XX/XXXX Name : XXXX XXXX Account Open Date : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX Phone : XXXX SSN/TIN # : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : Driver 's License ID State : NY ID Expiration Date : XX/XX/XXXX Inquirer : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX Phone : XXXX SSN/TIN # : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : Driver 's License/USA ID State : NY ID Country : USA ID Expiration Date : XX/XX/XXXX Inquirer : XXXX XXXX Inquiry Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX Phone : XXXX SSN/TIN # : XXXX XXXX of Birth : XX/XX/XXXX Inquirer : XXXX XXXX Inquiry Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX Phone : XXXX SSN/TIN # : XXXX Date of Birth : XX/XX/XXXX Inquirer : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, IL XXXX Phone : XXXX SSN/TIN # : XXXX Date of Birth : XX/XX/XXXX Inquirer : XXXX XXXX Thank you for your assistance. Sincerely, XXXX XXXX
09/23/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • GA
  • 30507
Web
TO : Early Warning XXXX XXXX XXXX XXXX XXXX, AZ XXXX Con ID # : XXXX NOTICE OF DEFAULT ; LAST CHANCE TO CURE Consumer Identification Number : XXXX NOTICE TO EARLY WARNING CEO CFO and/or ANY PARTY WITH THE POWER TO EXECUTE MY REQUEST : NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO XXXX XXXX XXXX XXXX XXXXAgent here on behalf of XXXX XXXX hereby accepts all titles, rights, interest and equity owed to the XXXX XXXX. I have chose the FTC to handle this affair. .I was sent from the FTC website to the CFPB website to submit this report. 15 U.S. Code 1681s - Administrative enforcement ( a ) Enforcement by Federal Trade Commission ( 1 ) In general The Federal Trade Commission shall be authorized to enforce compliance with the requirements imposed by this subchapter under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), with respect to consumer reporting agencies and all other persons subject thereto, except to the extent that enforcement of the requirements imposed under this subchapter is specifically committed to some other Government agency under any of subparagraphs ( A ) through ( G ) of subsection ( b ) ( 1 ), and subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], subsection ( b ). [ 1 ] For the purpose of the exercise by the Federal Trade Commission of its functions and powers under the Federal Trade Commission Act, a violation of any requirement or prohibition imposed under this subchapter shall constitute an unfair or deceptive act or practice in commerce, in violation of section 5 ( a ) of the Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ), and shall be subject to enforcement by the Federal Trade Commission under section 5 ( b ) of that Act [ 15 U.S.C. 45 ( b ) ] with respect to any consumer reporting agency or person that is subject to enforcement by the Federal Trade Commission pursuant to this subsection, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission Act. The Federal Trade Commission shall have such procedural, investigative, and enforcement powers, including the power to issue procedural rules in enforcing compliance with the requirements imposed under this subchapter and to require the filing of reports, the production of documents, and the appearance of witnesses, as though the applicable terms and conditions of the Federal Trade Commission Act were part of this subchapter. Any person violating any of the provisions of this subchapter shall be subject to the penalties and entitled to the privileges and immunities provided in the Federal Trade Commission Act as though the applicable terms and provisions of such Act are part of this subchapter. ( 2 ) Penalties ( A ) Knowing violations Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this subchapter, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this subchapter. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. I have sent out XXXX letters demanding that EARLY WARNING remove outdated and/or inaccurate information from the XXXX RITTERPrincipals Report XXXX in contact XX/XX/XXXX Sent letter XX/XX/XXXX requesting that my information be updated. They sent back investigation results as if I disputed something. I never asked them to investigate. Thats a clear violation. I was also told that upon written request I would be sent an updated copy of my early warnings report, but I have already requested it and XXXX received it. Also, information is being furnished without my written request. This all spurs from a letter received from XXXX XXXX about adverse action in granting me a bank account. I was notified that they made their decision based upon information provided by you. This violates XXXX XXXX XXXX XXXX I never gave my written authority to relinquish information. I then order my report and I choose not to dispute information but rather to update personal information. I also requested a new report be sent to me. Neither was done. This makes me suspect that Early Warnings is tampering with my information. This is affecting my life in a negative manner. I have not been able to open a business account since XXXX. I received XXXX emails ( XX/XX/XXXX XX/XX/XXXX ) that included dispute information. My issue is that I never asked for anything to be disputed. I SPECIFICALLY said that I was not disputing information. I was simply updating personal identifying information on my EWS Report that was inaccurate or outdated. XXXX account that was mentioned was disputed before and even removed from my XXXX XXXX report. The other account that was mentioned is one I am not familiar with. As a consumer I am wondering how many times my consumer rights have been violated. Two of the letters I've sent have been notarized. I also have certified receipts of proof that I have been sending mail. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( XXXX ) such amount of punitive damages as the court XXXX allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. EARLY WARNING is aware that the XXXX XXXX was not disputing any items. I have evidence through mail correspondence that the items that are allegedly disputed, are in fact not mentioned by Principal as needing to be altered, as well as evidence that it was made clear that no items were being disputed. Items were simply being updated. EARLY WARNING is deciding not to remove inaccurate and/or outdated information from the XXXX XXXX report purposely. EARLY WARNING is violating Federal Law. Here is what I Demand : What I would like is the information I requested to be removed from my file, including the following items : Name : XXXX XXXX XXXX Phone Number : XXXX Email : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX remove these items because they are outdated and/or inaccurate. Again, no information is being disputed, I AM SIMPLY UPDATING XXXX XXXX personal information on the report so that it is accurate and up to date. I also demanding " EARLY WARNINGS '' to pay {$1000.00} in damages pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance. I have been communicating with " EARLY WANRINGS '' for too long to not have a remedy. Once this is done please send me an updated new copy of the XXXX XXXX report by email to XXXX and by United States Postal Service to address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX Also, send a check for {$1000.00} to United States Postal Service to address : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ga XXXX I hereby instruct CEO CFO and/or ANY PARTY WITH THE POWER TO EXECUTE MY REQUEST for EARLY WARNING to respond in writing if these instructions can not be completed. You have five business days. If I do not receive anything in five business days I can assume these instructions have been successfully performed. BY : XXXX XXXX XXXX FOR : XXXX XXXX XXXX XXXX XXXX
02/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NV
  • 89141
Web
Notice to whom it be of concern, Accounts paid in full should not be reporting. It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
01/03/2020 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • CO
  • 80011
Web
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
01/09/2020 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • GA
  • 30519
Web
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
03/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • DC
  • 20001
Web
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
03/07/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33024
Web
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
01/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33021
Web
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-XXXX debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
06/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75219
Web
These accounts were hacked and are due to fraud. XXXX. Bank Name : XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause-Purged Previous Account Status : Closed For Cause Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, XXXX, Address : XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : DRIVERS_LICENSE_US ID State : TX ID Expire Date : XX/XX/XXXX Status History Status as of XX/XX/XXXX : Closed For Cause-Purged Status as of XX/XX/XXXX : Closed For Cause Status as of XX/XX/XXXX : Post No Debits Status as of XX/XX/XXXX : New Account Status as of XX/XX/XXXX : New Account 2. Bank Name : XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Savings Closed For Cause-Purged Previous Account Status : Savings Closed For Cause Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : DRIVERS_LICENSE_US ID State : TX ID Expire Date : XX/XX/XXXX Status History Status as of XX/XX/XXXX : Savings Closed For Cause-Purged Status as of XX/XX/XXXX : Savings Closed For Cause Status as of XX/XX/XXXX : Savings Post No Debits Status as of XX/XX/XXXX : Savings New Account Status as of XX/XX/XXXX : Savings New Account 3. Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Not Located Previous Account Status : Savings Closed-Purged Date of Last Status Change : XX/XX/XXXX Name : XXXX XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX Apt XXXX XXXX, TX XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : DRIVERS_LICENSE_US ID State : TX ID Expire Date : XX/XX/XXXX Email Addresses : XXXX Status History Status as of XX/XX/XXXX : Not Located Status as of XX/XX/XXXX : Savings Closed-Purged Status as of XX/XX/XXXX : Savings Closed Status as of XX/XX/XXXX : Savings Pending Closed Status as of XX/XX/XXXX : Savings Post No Debits 3. Bank Name : XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed Previous Account Status : Pending Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, XXXX Phone : 0 Address : XXXX XXXX XXXX Apt XXXX XXXX, TX XXXX XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Status History Status as of XX/XX/XXXX : Closed Status as of XX/XX/XXXX : Pending Closed Status as of XX/XX/XXXX : New Account Status as of XX/XX/XXXX : New Account 4. Bank Name : XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Not Located Previous Account Status : Closed-Purged Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX SSN : XXXX Date of Birth : XX/XX/XXXX XXXX. Bank Name : XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Savings Closed Previous Account Status : Savings Pending Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, XXXX Phone : 0 Address : XXXX XXXX XXXX Apt XXXX XXXX, TX XXXX XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Status History Status as of XX/XX/XXXX : Savings Closed Status as of XX/XX/XXXX : Savings Pending Closed Status as of XX/XX/XXXX : Savings New Account Status as of XX/XX/XXXX : Savings New Account 6. Bank Name : XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Savings Closed Previous Account Status : Savings Pending Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX US SSN : XXXX Date of Birth : XX/XX/XXXX XXXX. Bank Name : XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Savings Pending Closed Previous Account Status : Savings New Account Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, XXXX Phone : 0 Address : XXXX XXXX XXXX Apt XXXX XXXX, TX XXXX XXXX SSN : XXXX Date of Birth : XX/XX/XXXX XXXX. Bank Name : XXXX XXXX XXXX TEXAS Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause-Purged Previous Account Status : Closed For Cause Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, L Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : DRIVERS_LICENSE_US ID State : TX ID Expire Date : XX/XX/XXXX Email Addresses : XXXX XXXX. Bank Name : BANK XXXX XXXX TEXAS Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Savings Closed Previous Account Status : Savings Pending Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, L Phone : XXXX Address : XXXX XXXX XXXX Apt XXXX XXXX, TX XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : DRIVERS_LICENSE_US ID State : TX ID Expire Date : XX/XX/XXXX Email Addresses : XXXX XXXX. Bank Name : XXXX XXXX XXXX TEXAS Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Current Account Status : Savings Present Previous Account Status : Savings Overdrawn Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, XXXX Phone : XXXX Address : XXXX XXXX XXXX Apt XXXX XXXX, TX XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : DRIVERS_LICENSE_US ID State : TX ID Expire Date : XX/XX/XXXX Email Addresses : XXXX XXXX. Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Savings Closed Previous Account Status : Savings Pending Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX Email Addresses : XXXX XXXX. Bank Name : XXXX XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Savings Closed Previous Account Status : Savings Pending Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX Address : XXXX XXXX XXXX Apt XXXX XXXX XXXX XXXX, TX XXXX XXXX SSN : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : DRIVERS_LICENSE_FOREIGN ID Expire Date : XX/XX/XXXX Email Addresses : XXXX XXXX. Bank Name : XXXX XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX Address : XXXX XXXX XXXX Apt XXXX XXXX XXXX XXXX, TX XXXX XXXX SSN : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : DRIVERS_LICENSE_FOREIGN ID Expire Date : XX/XX/XXXX Email Addresses : XXXX These inquiries are not mines and should be deleted. XXXX Name XXXX Date XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 'S via XXXX XXXX XX/XX/XXXX COMPASS BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX EWPRS ) via CHECK XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
04/01/2023 No
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 78504
Web Servicemember
On XX/XX/2022, I Zelled XXXX XXXX XXXX XXXX dollars for a transportation service of my motorcycle from Kansas to Texas that I never received. XXXX XXXX XXXX never fulfilled his side of the agreement and could not deliver on the service he agreed to fulfill. And I never received a refund from him for the full amount I paid. For a little backstory I bought a motorcycle from a dealership in Kansas and originally had a company called XXXX deal with the transportation of my motorcycle. The XXXX delivery driver got into an accident and was unable to deliver my motorcycle. XXXX provided a refund and the delivery driver stated that he knows a company that can haul my motorcycle for me. He stated that the owner of this company could do it for XXXX dollars but the owner requires the amount to be paid upfront but he will accept a deposit. I asked what the company name is for research purposes and he stated that the company is XXXX XXXX ( alleged company phone number is XXXX ) a towing company that has been in business for over 10 years. He said he can have the owner reach out to me. On XX/XX/2022 at XXXX XXXX, XXXX XXXX XXXX reached out to me from XXXX stating his name is XXXX and he is with XXXX XXXX and was told to reach out to me in regards to towing my motorcycle to Texas. I assumed he was the owner stating the previous delivery driver said the owner would reach out to me. He stated he would be able to deliver my motorcycle to Texas and would be able to pick it up the following day. Due to some issues the dealership had with the motorcycle I had to hold off on the delivery dates. I informed XXXX the motorcycle was not ready for pickup and that I will let him know when it would be available and ready to go. On XX/XX/2022, I contacted XXXX in regards to the transportation of my motorcycle. He said he would be able to do it and it would be picked up and delivered during the weekend. On XX/XX/2022, he contacted me stating he could pick it up Friday afternoon and have my motorcycle delivered on Saturday night. I agreed and asked how he would like to received payment. He asked if I had XXXX or XXXX ( XXXX XXXX is $ XXXX @ XXXX XXXX ) but both of those methods of payment he mentioned failed. Having tried multiple times in other forms of payment I suggested Zelle and he agreed to it. Due to him not having Zelle he told me to send the money to his moms Zelle account and he would receive it from her. I agreed assuming she works with himself. On XX/XX/2022, he gave me his moms account information for Zelle, ( XXXX XXXX, XXXX, XXXX ) putting in her information I tried to send the money but it said she wasnt registered with Zelle. He stated she has it set up with XXXX XXXX XXXX and to try to use a different phone number ( XXXX ). I informed him the same thing happened and he said to try the XXXX number again. It worked and I informed him I was able to send him XXXX dollars and I send him proof of the payments He informed me he would be able to pick up the motorcycle from the dealership around 3 or 4 and then XXXX head out to Texas and delivery the motorcycle after. On XX/XX/2022, at XXXX XXXX he informed me he was pulling into the dealership and had gotten a call about a family issue and was unable to pick up the motorcycle. I informed him I would let the dealership know he had a family issue and was very understanding with the situation at the time. On XX/XX/2022, I contacted him checking up on him due to his family issue and asked if he had an idea of a timeframe he would be able to pick up the bike and deliver it. He said the family issue turned into an emergency so he will get back with me in a couple days about the transportation of my motorcycle. I gave him some time to deal with his family and was very understanding of it. On XX/XX/2022 I contacted him again in regards to the transportation of my motorcycle because the dealership was wondering when the motorcycle will be picked up and I was starting to get a little nervous about it as well. I never got a response from him so I contacted him the following day on XX/XX/2022 and got a response from his alleged assistant. I asked the assistant to relay my message to XXXX. After not getting any information or updates from XXXX I contacted him again on XX/XX/2022 asking if he would pick up and deliver my motorcycle because my wife and the dealership were starting to worry about the transportation of the motorcycle. I received no response from XXXX and continued to contact him the following days starting to get more nervous about the situation. On XX/XX/2022 I contacted him again requesting either the agreement be fulfilled or I want a refund of my money. He responded stating he was on an unexpected business trip to Utah and he will be back Friday and he can call his bank to issue a refund if needed. I requested that if the motorcycle isnt picked up by Saturday I will need a refund of my money. I texted him again the following day to confirm we were good for Saturday but got no response. On XX/XX/2022 after contacting XXXX to see if he was able to fulfill the agreement and him confirming he wont by giving some excuse I requested a refund telling him I need my money back. After receiving no response I contacted him again on XX/XX/2022 asking if he could just Zelle me back my money and stated he contacted his bank to send me back my money for the refund. But I sent him the money through Zelle and it was not directly with his bank. This is when I started to get anxious about maybe I was getting scammed. I stated that if I dont get the money back by Tuesday I want him to Zelle it back to me trying to be understanding of the situation. On XX/XX/2022 I contacted him again after not receiving my refund he replied saying he was sick and has called the bank and they will issue a refund. I tried to be patience and understand the situation but something seemed off. In XX/XX/2022 after being as patience as I can be I contacted him wondering where my refund is and he responded he sent a message of a time frame of 7-10 business days but I never received that message. I became more anxious about the situation and realized I was getting scammed. I then responded that there is no refund process for Zelle and that his bank isnt going to issue a refund because the money was sent through Zelle and he would need to Zelle the money back. I told him I would take all this information to the police and file fraud against him for willful misrepresentations with the intent to falsely obtain money. I never received my refund of XXXX for the service I paid for. After the incident I contacted my bank explaining what happened wondering if I could get my money back but they were unable to help. I tried to dispute the charges but they refused to help. I tried to file a fraud case with my bank as well and they were unable to assist me. After that I contacted Zelle to see if they could reverse the transaction and give me a refund but they were not helpful and unwilling to help. I even contacted the police for fraud/scam to see if they could do an investigation and help me get a refund. The police did not resolve or help with the situation. After trying those methods I contacted the FTC and the XXXX to see if there was anything that could be done but they werent able to help. I have exhausted all my options and am now filing a complaint here in hopes I could get some assistance in this situation and hopefully get it resolved. I just want a full refund of my money and would appreciate any assistance in this situation.
08/24/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • XXXXX
Web
Due to these facts, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character, & information breach, using fictitious names, reporting false information, punitive, and what ever codes and laws that are applicable!. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, ( which it already has ). I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond with clarity to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. This also includes not contracting with other credit reporting companies or debt collectors using means of extortion in attempt to collect something that was never due. There is also the matter of information breach which XXXX puts me at risk currently, It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this deb was assigned or sold to collector. Complete accounting of alleged debt. Meaning public and private side of bookeeping, and XXXX # XXXX purchase price for information from alleged creditor, or information provider Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for COLLECTION AGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Memorandum in support A misrepresentation is an assertion that is not in accord with the truth. When a person enters a contract because of his justifiable reliance on a misrepresentation about some important fact, the contract is voidable. Misrepresentations can be either : 1. innocent ( not intentionally deceptive ) or 2. fraudulent ( made with the knowledge of falsity and intent to deceive ). Contracts induced by misrepresentation or fraud are generally considered voidable. This means that the person whose consent was not real has the power to rescind ( cancel ) the contract. The elements of misrepresentation and fraud are as follows - notice the similarities. ( authors addition ) Innocent misrepresentation Fraud 1. Untrue assertion of fact ( or equivalent ) 2. Assertion relates to material fact 3. Actual reliance 4. Justifiable reliance 1. Untrue assertion of fact ( or equivalent ) 2. Assertion made with knowledge of falsity and intent to deceive 3. Actual reliance 4. Justifiable reliance 5. Economic loss ( in a tort action for damages. PARTS OF A LAWFUL CONTRACT 1. Parties competent to contract The parties to a contract should be competent, being of the age of consent, of sound mind, not disqualified from contracting by any law to which s/he is subject. A flaw in capacity may be due to minority, lunacy, idiocy, drunkenness or kind. The parties should be of like kind, being either artificial Legal Entity and artificial Legal Entity, or living Man/Woman and living Man/Woman, allowing more than two parties but never a mixture of these kinds. 2. Free and genuine consent The consent of the parties to the agreement must be free and genuine. The consent of the parties should not be obtained by misrepresentation, fraud, undue influence, coercion or mistake. If the consent is obtained by any of these means, then the contract is not valid or lawfully enforceable. 3. Full disclosure When negotiating a contract, full disclosure is the act of providing all material information, or telling the whole truth, about any matter which may influence the decision-making of the other party or parties before they decide to enter into a contract. 4. Sufficient consideration The consideration is something of value possessed by the parties that is brought to the contract table. This something of value is bargained for and given in exchange for a promise or a performance. The parties must each receive a benefit and each suffer a detriment. To be enforceable, a contract must have sufficient consideration. A contract is unenforceable if it has insufficient or unequal consideration without agreement. 5. Certainty of terms The Terms and Conditions of the contract must be fully disclosed and agreed upon, and must be certain and fixed, i.e. not variable as with interest rates. 6. Meeting of the minds A meeting of the minds consensus ad idem, occurs between the parties when they recognise each other, understand their mutual obligations, and agree. This meeting of minds can only occur between like kinds, being Legal Entity with Legal Entity, or Man/Woman with Man/Woman. A corporation and another corporation may enter into contract by way of accommodation parties, and a sentient being and another sentient being may enter into a contract directly, but a corporation and a sentient being together can not enter into a contract as they are notof the same and equal kind. 7. Signatures or autographs Written contracts between Legal Entity actors must carry the wet ink signatures of the parties, each wet ink signature being anaccommodation from a Man/Woman. Written contracts between living Men/Women must carry the wet ink autographs of the parties, and/or living identification such as a thumbprint. Living standing is recognised by a thumbprint, or more often by an unambiguous declaration with the autograph, such as authorised agent written below. 8. Privity of contract A contract exists only between the parties. No third-party can obtain rights contained within a contract, or buy or sell a contract, without the express permission of the original parties. Best Regards XXXX XXXX. cc : Federal Trade Commission. THIS IS A LETTER COMMUNICATION FROM XXXX XXXX ( XXXX. ) and not XXXX XXXX. reserves all rights UCC 1-308
12/13/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • 106XX
Web
On XX/XX/XXXX ( Friday ) I moved out of my previous apartment and was still in the process of finding a new place to move into. I immediately moved all my stuff into storage and continued my search via XXXX, XXXX, and other apps to find housing in New York. I ended up finding a nice one bedroom apartment for {$620.00} a month in the XXXX. I proceeded to contact the poster/landlord and set up a visit to the apartment to see it as well as meet him. I immediately headed there after moving all my stuff into the storage unit and once I arrived found that the apartment had been put up for rent just the day before, the previous tenant still had a few bags and a mattress left at the apartment. The landlord told me that they would be moving their stuff out before the following Wednesday ( XX/XX/XXXX ) and I would be able to move in on that date if I was able to provide the down payment and first months rent. He also mentioned that 4 other people were supposedly looking at the apartment after I was and that he had already spoken to one or two people before I came. I couldnt help but be eager to take advantage of the opportunity that was in front of me so I quickly got loaned the few hundred dollars I needed to immediately put down the security deposit/down payment of {$650.00} ( extra {$30.00} to cover the keys and some broker fee or something he said ). He was very happy I was so interested and said that if I was able to send the money right away that we could go walk to the hardware store and have copies of the building and apartment room keys made for me. I sent the {$650.00} and we quickly made copies and went back to make sure they worked and he told me that hed call me the moment she had her stuff out and that I could come and sign the lease then as long as I had {$620.00} for the first months rent. Wednesday came around and she supposedly still had her stuff there, he kept pushing the day back until it finally came to the XXXX of XXXX when he said I was able to come sign the lease because the previous tenants lease officially ended on the XXXX and we both had busy schedules that week so I went and signed a lease/contract starting the XXXX of XX/XX/XXXX and ended XXXX if XX/XX/XXXX. I sent the money and then went home. I took a photo of the first page of the contract but he said not to take a picture of the signature page because it wouldnt be necessary until it was officially notarized. He then proceeded to tell me that he would send photos of the notarized lease as well as a few other documents I requested. He sent one or two of the documents but not the lease and the few photos he did send me didnt exactly make full sense. Every night he would tell me she was supposedly moving her stuff out and every hour the story would change. I went there multiple nights after work because her stuff was supposed to be gone but when I got there her stuff was still there. Once the XXXX came around I went while he was at work and I went inside and waited for her to hopefully show up and get her stuff out. Then he said he was going to get a court order from a judge to have the lady formally evicted and that it would guarantee she would be out in 7 days from that day. He still repeatedly told me that she was coming to get her stuff on random days/night between the XXXX and the XXXX. Multiple times I went while no one was there just to double check that her stuff was actually still there. It always was there and even though he said that the entire apartment was fully cleaned and repaired, it seemed to get progressively dirtier every time I went. Two days before the XXXX he told me that he gave her {$150.00} to get a uhaul in order to get everything out by the XXXX. I asked for proof of that as well as proof that she actually rented the uhaul. He kept postponing sending the photos. Once the XXXX came around I went and check if her stuff was out yet. While I was there I found out his full name and did a little research on him. It turns out hes a scammer who normally works in XXXX and is very good at it. I found a few contracts identical to mine signed by other people for similar prices but all the same address. I have photographs and plan to take action but he is now accusing me of supposedly stealing from his apartment but Im sure this is just another ploy to receive some form of extra profit from this scam. I spoke to a couple other tenants in the building and apparently there was no lady who lived there before so I decided to check the bags that were supposedly hers and the bags just didnt make sense, they just seemed like it was for show. While I was there I had called the cops multiple times and even had to hide from someone trying to get into the apartment. He has sent me {$700.00} back so far but {$570.00} still remains and I am worried all the time and effort put into a court case wont be worth it in the long run. If he hadnt sent back the money Id most likely be able to just start living at the residence and simply refuse to leave/change the locks but due to him partially paying me back I am technically unable to do that. Since this incident I have done a massive amount of research and even contacted the company/landlord/company owner that owns the building and explained the full situation, he told me I was stupid for going through XXXX and that its not his problem or business what goes on in the building. Even though this is an illegal sublet and the tenant is also using the illegal sublet to scam people out of thousands of dollars. I am now in the middle of filing an internal affairs complaint, a recall request with XXXX XXXX XXXX, a small claims court case, and also potentially being investigated for a crime that I didnt commit. I dont know what to do next, I dont know what steps to take, and I dont know what questions to ask. All help is welcome, any form of advice or even a contact that could help me are more than appreciated. If anyone knows of a lawyer that would be willing to defend me for cheap or even just give minor advice for a lower price. I know Im an XXXX for getting myself into this mess and for not seeing the signs pointing towards it being a scam. I understand I should have been more cautious but I know this scammer is smart and I honestly believe that everything was valid up until the lease being not notarized. Ive attached texts between the landlord and I, contracts between him and I as well as random contracts between him and other people, as well as the initial contact through XXXX, and also the websites showing hes a confirmed scammer that operates in NY. I also attached the contract he signed for the apartment when he began renting it and a change if address for a lady who is supposedly still living there according to other documents I found in the apartment. Also attached is a photo of his banking transactions showing him repeatedly buying keys and other sketchy transactions. All these documents were found while I was in the apartment waiting for cops to come in order to begin the process to bring his whole operation down. I have other photos proving other sketchy and scamming activities done by the fake landlord/tenant but those are more useful in court, due to them not actually being relevant to my inconvenience.
02/15/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • PA
  • 173XX
Web
On XX/XX/XXXX I spoke with XXXX XXXXXXXX XXXX representative to file a claim on my behalf with Zelle after being involved in an internet puppy scam and transferring {$800.00} from my checking account through Zelle. Name on Zelle account is XXXX XXXX, with recipient XXXXXXXX Zelle dispute # XXXX earlier in the day. Followed up with XXXX at Zelle today XX/XX/XXXX and was told nothing Zelle could do, and to contact my bank directly again, despite having a Zelle dispute number to provide him. Spoke with XXXX at XXXX XXXX XXXX customer service line who attached police report #, and asked for a manager to review case after noting that the dispute had been declined. Police report # XXXX, XXXX XXXX XXXX Police Department XXXX XXXX ( XXXX XXXX XXXX ) description of scam-Located XXXX XXXX XXXX dog for sale by breeder on XXXXXXXX ( website currently remains active ). Cost was {$600.00} for dog, and {$200.00} for transportation as discussed in email ; and outlined in signed contract from owner XXXX XXXX. Received message on XX/XX/XXXX that dog would be flying out by XXXX, and payment required via XXXX on account XXXX XXXX XXXX with recipient XXXX. Later in the evening when corresponding with XXXX XXXX he stated he had turned over dog to transport agency XXXX XXXX ( XXXX ), I attempted several time to contact them via email at XXXX, as well as phone XXXX without success. Later that evening the breeder noted that now an electronic crate would be needed for transport due to weather conditions. We offered to pick up dog due to realizing this appeared to be a dog scammer. After several messages we were provided with address from breeder for XXXXXXXX XXXX which XXXXXXXX XXXX search noted it to be a runway, and no affiliation with XXXXXXXX XXXX. As of today XX/XX/XXXX we continue to receive emails from XXXX XXXX at XXXX XXXX requesting more money for an electronic crate that is now needed for safe transport. Also texts threatening charges of abandonment if not paid for shipping from phone # XXXX. Other email address XXXX XXXXXXXX XXXX XXXX, phone number XXXX. We have again requested accurate address for pick up, as well as live footage of dog ; and received an address in Alaska due to them being an international company per XXXX. some emails r/t incident-If an email was used in this incident, please provide a copy of the entire email including full email headers. From : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ) To : XXXX Subject : Re : XXXX XXXX XXXX XXXXXXXX XXXX- XXXX XXXX XXXX. Greetings to you and hope you are well. Thanks for inquiring about our XXXX XXXX XXXX XXXX XXXX XXXX. All pictures you see of XXXX are her current pictures. XXXX is still available and ready to go now at a discount price of {$600.00} plus a delivery cost of {$200.00} making a total of {$800.00}. All puppies have been Vet-checked, XXXX Registered XXXX de-wormed, on shots, and potty trained. All our puppies are neither neutered nor spayed though you can do that yourself after 4 months of age but all our adult dogs have been neutered and spayed, males and females respectively. XXXX is super sweet! also super cuddly and his personality is somewhat bubbly. You just want to have her in your arms all day. We can hold a puppy for up to 30 days. The price above includes : *Blanket, Toys, Photobook , Sweater, and Food. *Pet insurance. *Health records ( Vaccinations and deworming completed ) *Lifetime, follow-up, and support. *Age-appropriate vaccines and worming. *XXXX XXXXXXXX. Thank you. XXXX & XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX From : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX ( XXXX ) To : XXXX XXXX Subject : Re : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Hi XXXX Thank you for opening your doors to us, for taking XXXX, and making him part of your family. We feel so happy to have found a home for XXXX. As for payment, Check if your bank supports Zelle then follow the few steps below to send payment. Step 1 ACCESS ZELLE Get started by signing in to your mobile/PC banking app then simply send money via Zelle Step 2 SELECT A PERSON TO PAY Zelle account Name : XXXX XXXX Zelle account Email : XXXX Memo or reason for payment is XXXX as in contract # XXXX Step 3 CONFIRMATION Make the payment and send me a screenshot of the transaction summary or confirmation message once you are done. Easy, safe and convenient. Note : It is always better to copy and paste the Zelle email address to avoid typing errors that will cause a delay to the whole process. Once the payment is made, we will finalize the formalities, and pay for her shipping, and delivery today. We will provide you with all the details, arrival and delivery time. We will provide you with minute-to-minute updates till XXXX is delivered. I will be sending some delivery checklists and settling tips to help make bringing XXXX home the best experience possible. A pet many will accompany and hand-deliver XXXX to you. Kind regards XXXX & XXXX ( XXXX ) XXXX XXXX XXXX XXXX From : XXXX XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX EST To : XXXX XXXX XXXX Subject : Re : XXXX Hi XXXX We made the reservation, registration and have handed XXXX to the agency. I just got a call and have been on the phone with them. I will not want this to come up to you as surprise but the agency is asking that they need an electronic crate from the usual shipping crate that we provided. An electronic crate which can safely deliver XXXX home due this bad weather, security and insurance during the trip. Once XXXX is delivered, you can opt to keep the crate or return it. If you chose to return it, you will be refunded. We already accepted and that the delivery process should continue because XXXX can not be exposed as such or pass the night at the agency. The agency should be contacting you now as we are still waiting for their email with the full flight information. Please stay close to your phone and email because they'll be contacting you as we will be keeling in touch as well. XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX, XXXX Tue, XX/XX/XXXX at XXXXXXXX XXXX Hi XXXX XXXX XXXX XXXX, this message is to notify you that after the registration of your puppy for delivery late yesterday evening, the flight that your puppy was supposed to be on had been grounded due to extremely poor weather and the recent wider / rapid spread of the Covid-19 Coronavirus ( Effects of non vaccination ) and a strict decision following the climbing infection rate of the Coronavirus ( COVID-19 ) in the United States after statistics have recently proven that tender animals could be potential carriers due to the fact that we don't and can't ship them in the cargo of the plane where they will be frightened by the noise from the engines making them unhealthy upon delivery so we normally put them in a litter box and ship them in the cabin with passengers making them safe and healthy. We are not able to proceed with the delivery of your puppy and other animals under XXXX weeks using the usual ventilated shipping crates which exposes them to mean while every passenger is required
11/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32246
Web
First Early Warning needs to stop all monitoring and reporting done on me, they have single handily destroyed my ability to access financial institutions and bank in comfort. Ever since my identity was stolen due to XXXX having a major breach I am just now realizing the true damage its done and the tens of thousands of dollars its cost me and I cant even open a checking account, or get a credit card increase with a bank Ive been a customer of for 8 years. The following banks have reported that I had accounts opened, and somehow they all are in someway shape or form, not current or in a delinquent status. XXXX is a bank that I have never banked with but they have an account in my name with the delinquency of almost {$800.00} that account was opened in XXXX Arizona. I have never lived in XXXX. Secondly, XXXX XXXX XXXXXXXX has blatantly disregarded my attempts to get any information on the accounts that they claim I held, and this account was opened up in Texas, another bank that has told me they have had me as a customer is XXXX and the only way Im finding this out is because Im going to apply for these vents for the first time because I am now a business owner and I need national banks that provide 100 % autonomy and accessibility But everywhere I go. There is an account in my name that I know nothing about and its somehow strange that all of the accounts were opened up in states nowhere near where I live I have repeatedly asked these financial institutions for my physical presence inside of a branch or even my own personal signature in ink not something digitized, but my actual signature, no one has even been able to show me a picture of my ID but accounts were allowed to be opened up in my name credit cards all types of false and fraudulent loans and here I am in XXXX paying off {$300.00} collections for credit cards that I didnt even know Existed like XXXX XXXX XXXX XXXXXXXX is that like the XXXX XXXX XXXX I have never heard of that thing in my life, but I victim of a massive breach from a consumer reporting agency is being portrayed only because the banks are reporting me as someone who is not responsible, and may be a huge risk to a financial institution, which intern Only handicaps me and doesnt allow me the fair opportunity to bank with anyone producing a unreal foreshadowing of what you should expect I have paid over {$20000.00} to clear up my debt and remove the collections from my credit report and somehow a man that has done nothing wrong in myself Still can not find any type of positive response, at XXXX XXXX XXXX theres no reason why I should have to put my faith in XXXX XXXX, which is a digital bank and not of great history and reputation. I have only had two bank accounts, my entire life that was XXXX XXXX XXXX which Ive been a member for for 26 years and more recently XXXX XXXX XXXX, I need the banks that I listed to go back do some research and realize and think to themselves why would a kid go all the way to the state of Texas to open up a XXXX XXXX XXXXXXXX account or why would that same person go all the way to XXXX Arizona to open up a XXXX account dont even get me started on XXXX XXXX because I have never even received a piece of mail from them. All of these accounts were billing addresses that have nothing to do with me places Ive never lived the credit bureau had my Social Security number wrong and my name spelled incorrectly for almost 6 years, and only when I wanted to start a business, because I never needed credit never relied on it. Ive been fortunate enough to live a life comfortably and not need to take out a {$300.00} credit card simply due to the fact Ive had over {$20000.00} in liquid assets since I graduated high school, I paid off all of my unknown collections. Im still working with a bank because I refuse to pay one of these loans that were fraudulently opened up in my name because Ive had enough and early warning systems is not doing anything to help. They literally are the same company that almost prevented me from being able to rent my new apartment, why was that because the property staff immediately realized that all of the information that early warning systems was reporting was absolutely false and incorrect for XXXX sake, my XXXX Social Security number was wrong with XXXX. XXXX has phone numbers and addresses attached to my name that Ive never even thought about, XXXX is the same bureau that couldnt even get my name spelled correctly on their credit profile, which has caused me to be declined from many opportunities to obtain lines of credit that were true and not fraudulent. Im very upset, and I cant continue to act as if this is OK Ive tried. Ive begged. Ive asked, but no one is doing anything to help me, no one is reaching out to ask questions. No one is even giving me a second to explain what has happened theres no reason why I shouldnt be able to get a credit card increase with the XXXX XXXX bank. Ive been banking with for eight years XXXX XXXX is where I will end the only reason I still have a card with them is because Ive held on faith and have tried to think about the possibility of bettering my credit which only will happen if I keep elongating my credit profiles history, which is now at eight years XXXX XXXX yes, ever since I was able Ive been with XXXX XXXX I just want to be fairly treated and honestly I want to be repaid because every collection agency Ive went to cant give me any physical or definitive proof that I open that account. What XXXX did they just not have a breach in their system. XXXX is breach calls me to lose access to my email I lost all of my XXXX money and more than {$20000.00} in debt that I had to pay off. Heres how you can tell if I have done anything with the bank after I graduated I spent days practicing my permanent signature and ever since then I only signed my name in full, including the first middle, and last there has not been one account that has been thrown in my face that can be definitively proven as mine whenever I sign my name XXXX XXXX XXXX the full name any other signature is false. if you do not see a definitive XXXX in the middle that is not me I sign my name in a particular way. Please help me, im so glad I started a business early and did not find out what was going on years later and all in with this do you all not know how exhausting it is to have to pay for every credit bureau, subscription service and more just so I could have peace at night but every time I get an update or notification my heart drops because I think some crazy loan that opened up in XXXX XXXX is going to flash across my screen and Im going to have to pay it again. Ive XXXX near went broke paying back collections that were not mine, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never bank with you in the lightbulb click today after I applied for XXXX XXXX and they overfed me immediately that I need to visit the Branch, please understand I am not angry I am not furious. I am tired. I just need some actual help and I need my fraudulent slate to be wiped clean because I am just a victim of XXXX breach.
08/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 34120
Web
EWS To whom it may concern, My fears are exactly as I thought, there are numerous mistakes on EWS. As Ive stated years ago to each bank, I had my identity stolen. And instead of the banks addressing it correctly, they punished me, wrote incorrect filings, and that damage is causing me extreme distress amongst other issues. Attached is the police report of the identity theft. You are to immediately remove my entire EWS statement, any refusal to do so will result in a lawsuit. EWS has a history of this type of behavior, and that behavior being incorrectly stating issues on their website, which results in punishment against me, when it was not my fault I had my identity breached. Make note, I also told numerous bank representatives this years ago, and everyone failed to update documents correctly, in an attempt to purposely hurt me. In one instance of EWS found here, XXXX XXXX XXXXXXXX EWS paid out for mis handling information, and just a couple years later, EWS is STILL GUILTY OF THIS, making the precedent that much more true. This is amongst numerous other lawsuits where EWS violated the law. The information EWS has is inherently incorrect, false, and not true. From all banks related, via XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX, on the entire report. EWS has an obligation and duty under law to keep and maintain accurate records and has failed to do so which caused me harm. The harm being, and not limited to just this, is me being unable to open a bank account because of the incorrect information of EWS. Failure to properly dispose of such issues on my EWS will result in an immediate lawsuit, with case precedent to back my claims, that even after the class action, EWS is still doing the same thing. Additionally, I will report, in the event this issue does not resolve immediately, to the numerous federal branches that oversee EWS and remind them, that even after numerous lawsuits, EWS is still posting incorrect information, failing to update information, and is doing so to purposely hurt consumers like myself and not limited to that. EWS primarily tracks fraudulent activities such as check fraud, bank fraud, forgery, check-kiting, check alteration and counterfeiting, ALL OF WHICH I AM NOT GUILTY OF. What I am guilty of is, is being a VICTIM, to IDENTITY THEFT. I SHOULD HAVE NO FILE WITH EWS AS I DID NOTHING WRONG. Resolution : There is one resolution, and only one I will accept. After I submit this, and include the identity theft report, EWS is to immediately remove every mark on the file, from every bank, and give me a clean sheet. What this means is that I am not liable for identity theft and will not be punished as such. The identity breaches where happening and still are happening to date. In the event EWS fails to properly maintain my file, this will result in a lawsuit, just like the many other before. I have notified and been notified the banks about such issues, especially when it was happening and the banks refused to protect me and instead blatantly abused my trust in them, IN BAD FAITH. This is very deceitful and I will not stand for this. Legal Notice : I have a right to amend this statement and filing. All communication will be subject to legal interpretation. Sent XX/XX/2022 at XXXX est, to the secure message center from email link to pdt. XXXX XXXX XX/XX/XXXX, I called EWS and spoke to a XXXX at XXXX. XXXX failed to provide me his work ID and last name and failed to provide proper information so that I know who he is when dealing with my claims. XXXX exclaimed during the phone call that the police report was not legitimate, THIS IS FALSE. XXXX had many reasons for why the police report was not official however, none of which are covered under the FCRA or any terms and conditions. One reason XXXX said EWS denied my official police report because it looked like a screenshot. I then stated to him, how else am I suppose to upload to pdf. His claim made no sense. Next he stated it was unofficial because of no signature on an official police report. ( I called the XXXX XXXX XXXX office on XX/XX/2022, to confirm if this was true, and the sheriff deputy said that EWS was incorrect and that it is an official document that they would hand to a court official, and that a signature at the bottom of something like this is actually very unusual, I spoke directly to the deputy who wrote my claim years ago ). So the non signature on my official police report is not a valid reason nor can EWS provide a valid reason to deny it. Additionally I asked XXXX to speak directly to the dispute team handling my disputes, in which he refused, because he said they didnt have a direct number, while he was directly communicating with the dispute team at EWS on the phone, so that was another lie and EWS failed to let me speak directly to the dispute team to talk directly about my claim instead of talking to a middle man. XXXX habitually stated that it was not an official police report which leads to one of two assumptions, either A ) Im committing fraud by submitting a fraud police report I made up ( WHICH IS UNTRUE ) or B ) EWS is purposely being malicious, and failing to protect a victim of identity theft and purposely acting in bad faith violating numerous federal/state laws. The answer is B. I asked to speak to a manager, he then stated it would be 24-48 hours before one calls me back. I still havent received a call from a manager. XXXX also stated I can use the transfer portal to upload document, in which I told him Ive already done that a few times Proof below ( failed to upload in my statement will add the attachments ). Here is an email sent directly of the police report much before XXXX said I didnt upload it. Additionally proof of submittance of documents shown below. Sent PDF More additional proof of me submitting documents with a hyperlink and jpeg image. XXXX had told me my claims where all denied because I failed to provide an official police report which is exactly what I provided, EWS is willfully hurting me and blaming the victim of Id theft for things I did not do or commit. EWS is purposely acting in bad faith and stupid, because we all know, even the sheriffs office, that the document I sent is legit. Additionally I filed a report to the CFPB about the violations on XX/XX/2022. The complaint ID is XXXX On XX/XX/XXXX, I called EWS after the above information and asked to speak to a manager. The call rep on the phone told me there was nothing a manager could do ( which is a lie ). The rep on the phone then told me, after XXXX told me the day prior that my disputes where denied, that my disputes are opened back up. I can only assume this bc of the CFPB complaint. And to date, still have not got a call back from a manager.
02/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30223
Web
I sent a letter to Early Warning Services to have the Cease and Desist reporting illegal information. Pursuant to XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ), Early Warning Services does not written instructions from me to report anything on my consumer report. Furthermore, Early Warning XXXX uses XXXX to conduct their " investigations ''. XXXX uses XXXX XXXX XXXX embedded in it's process. This mean no real human worker is conducting a true investigation. Below is a letter that I sent to Early Warning Services. I true investigation was not conducted. __________________________________________________ This is a warning. It has come to my attention that I have been violated of several of my consumer rights. I, XXXX XXXX, a natural person is demanding that you cease and desist all illegal reporting activity on my consumer report pursuant Title XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ). You EarlyWarning are a consumer reporting agency. As a consumer myself of the United States, A Federal Corporation, I dictate and verify the accuracy of what reports on my consumer reports pursuant Title XXXX XXXXXXXX XXXX XXXX ( XXXX ). I demand you cease and desist reporting this information XXXX XXXXXXXX XXXX as the provider of that information is reporting inaccurate information as you or the provider of the information have provided documentation proving this information is accurate pursuant to Title XXXX XXXX XXXX XXXX Pursuant to Title XXXXXXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) I demand you cease and desist reporting all illegal account information as your organization has used unfair methods of reporting information as you're not using the entire elaborate mechanism when it comes to investigating ( XXXX ). Pursuant to Title XXXX XXXX XXXX XXXXXXXX ( XXXX ) ( XXXX ), I am demanding that you stop all negative bank information on my EarlyWarning consumer report as you have not received any written instructions from me, the Consumer, a natural person and the Original Creditor. Pursuant to XXXX XXXX XXXX XXXX XXXX ( XXXX ), I am demanding that you stop all negative bank information on my EarlyWarning consumer report as you have not shared with me the process of how you got the inaccurate information, the person you got the information from, the person who authorized the reporting of the negative information and physical proof of the information you are reporting. Pursuant to XXXX XXXXXXXX XXXXXXXX XXXX XXXX, It is the sworn duty of the data furnisher, XXXX XXXX XXXXXXXX, to provide your with accurate information. I demand that you cease and desist all negative reporting information of XXXX XXXX XXXX as you or them have not shared with me, the Consumer, a natural person and the Original Creditor physical proof as to the validity of your reporting. Pursuant to XXXX XXXX XXXX XXXX XXXX, any information that you can not verify must promptly be deleted. As a Consumer, a natural person and the Original Creditor, I am the only person that can validate and/or verify any information on my consumer reports as that information is my private and personal information. Send an audit ( investigation ) trail pursuant to XXXX XXXX XXXX ( XXXX ) including all documents, including but not limited to, signed documents, documents that include the wording adverse information pertained with in them, who authorized the sharing of my personal and private information with third-party consumer reports and anything else related to the Consumer for review and validation Delete all accounts containing unverified, unvalidated, inaccurate, assumed information pertaining to this XXXX XXXX XXXXXXXX Remove all marks and comments off all consumer reports. Cease all communication with my intellectual property unless it pertains to you stating that you have ceased all reporting with consumer reporting agencies. Again, this is a notice pursuant to the Fair Credit Reporting Act. Failure to honor the demands and provided the required documentation for proper validation of the alleged derogatory account within XXXX days of this notice shall : a. be taken as tacit agreement to the claims set forth, XXXX grant the Consumer all granted remedies and XXXX may result in litigation __________________________________________________________- Re : Account information to be deleted immediately : Bank Name : XXXX XXXX XXXXXXXX Bank Account Number : XXXX Bank Routing Number : XXXX The description as to why the accounts are to be removed/deleted follows below. Your organization is in violation of my privacy rights and consumer reporting laws. Supporting documentation is/will be attached to this letter. Please read the information below XXXX and XXXX as to not get anything confused! Thank You! To Whom It May Concern : Cease and Desist All Reporting Activities As You Never Received Written Instructions To Report Information I Never Sent To You or Gave You Consent To Report Pursuant to XXXX XXXX XXXX - " As it states a consumer reporting agency can not furnish a consumer report without your written instruction the fact that the law states that they may only furnish the report under no other circumstances than in accordance with the written instruction of the consumer. '' I XXXX XXXX, as the consumer instruct you to remove XXXX XXXX XXXXXXXX in accordance with the law ( XXXX XXXX XXXX ). I, XXXX XXXX never gave EarlyWarning any written consent to report anything on my consumer report, No consent is considered my identity being stolenon your organization/company 's part. A copy of the XXXX XXXX XXXX XXXX XXXX will be attached. Pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. Similar device also includes a bank account since credit accounts are extended from type bank or similar device. The definition of a credit card under XXXX XXXX XXXX is the same as it is under XXXX XXXX XXXX ( I ) which is the term credit card means any card, plate, coupon book, account or other credit device existing for the purpose of obtaining money [ bank account ], property, labor, or services on credit. Notice, XXXX said ANY card [ or similar device ]. The credit card or similar device is my social security card. This is the credit card or similar device I used to originate every consumer credit transaction below. They should all be removed from My Consumer report pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ). I am demanding that you remove this transaction from my report immediately as they are a violation of my privacy and my rights as a Federally Protected consumer under XXXX XXXX chapter XXXX.
06/12/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 10128
Web Servicemember
Rather than investigating results internally, Early Warning Services improperly uses consumer information by sending any disputes consumers have directly to financial institutions that don't have any authorization to remove fraudulent, harmful and inaccurate info, as reported by Early Warnings Services. I have compiled notes on phone calls with Early Warning Services where employees admitted that my data produced by Early Warning Services shouldn't have sent to all banks listed on the report. EWS should have corrected the comprehensive consumer report and remove the inaccurate information displayed. For example, XXXX XXXX received my entire comprehensive report from Early Warnings Services. A XXXX XXXX senior fraud representative from their corporate office called me asking why I insisted on having them look at the information on file that has nothing to do with XXXX XXXX. EWS considers itself a consumer reporting agency, and as such, must abide by the Fair Debt Collection Practices Act ( FDCPA ) standards. EWS does not follow any prescribed rules issued as guidance and regulation from the FTC. Sending out bank data to financial institutions about all disputes published by EWS is an actionable offense. EWS can be subject to numerous fines because they did violate the very rules they claim to follow on their website. EWS is sending my entire report to banks/alternative lending & financial institutions that have nothing to do with a particular dispute, or the financial institution receives my dispute, along with disputes issued with other banks that have nothing to do with them. - Discontinue sending the disputed info disputed for one bank, to all banks listed on the report that is not required nor should have access to said data ( Employees have stated at EWS ; this action should not have taken place ). - I have sent numerous disputes to EWS and confirmed with employees that EWS created errors. Mistakes such as dual, triple, and reporting the same account four to five times, with a different variation of corresponding account number and routing number. There are numerous instances where I have one account with a particular bank, yet EWS reports five, even six versions of the same account. - Early Warning Services will claim that they receive information reflected on the report from banks. However, after contacting the financial institutions that I conduct business with, they did not issue the information displayed on the EWS reports because the account and routing numbers don't exist in their system, nor are they associated with my name. As such, EWS needs to take accountability and remove the information that I have been disputing for years. - EWS reps, for years, have told me this would removals would occur and never took place, regardless of disputing info in writing via traditional mail, fax and email. - I am not the only individual to go through this. According to the complaint data via CFPB, under the topic " Improper use of your report '' and sub-issue " reporting company used your report improperly '' it is within the top ten most problematic issues consumers have with EWS. I will be sure to continue disputing this issue with Early Warning Services, via CFPB within this particular sub-topic until it becomes the most popular sub-issue within the topics available for selection. This action will not only create more awareness for consumers to understand how their data is being mishandled but also prove that EWS is modifying disputed information to remain on file with on the EWS database illicitly. - FTC/CFPB should punish EWS for providing the entirety of a consumer report to all banks listed on file with the customer on the EWS database, even if the customer does not have an account with them. - EWS refuses to dispute with a specific financial institution, thus exposing consumer data ripe for using indiscriminately. EWS does not read through the entirety of complaints and sends complaints in bulk to all banks. Posting the entire comprehensive report ( EWS most detailed form, my comprehensive was 77 pages ) to all banks listed on file, contrasts with traditional credit reporting agencies such as XXXX, and XXXX, where if you dispute information to a particular entity/financial institution, the single dispute for a specific issue is received by them, and not the entirety of the report. - I want to reiterate that my comprehensive report was over seventy pages long and over twenty-five financial institutions, including banks, credit unions, alternative lending corporations all contacted me asking why they received disputes regarding banks they have nothing to do with the matter. On top of this, my data like social security number, birth date, even transactions, and checks were recorded by EWS to companies that have nothing to do with a particular dispute. Executive members at XXXX XXXX, which is part of the consortium of financial institutions that fund EWS, were very concerned that my data about other banks/financial institutions and current disputes were getting sent to them. There were concerns regarding data that sent to other commercial entities that have no business at looking at my info, listed on the EWS comprehensive consumer report because EWS sent this information. - For clarity, my situation has nothing to do with getting rejected for application to a bank. Specifically, this has to do with disputing info direct to EWS, and they are not being held accountable. This fact will change. Now that EWS is running Zelle, and more American Consumers become aware of the fraudulent practices Early Warning Carries out ; they will have no choice but to abide by the law. - For comparison, Early Warning Services is similar to a government-sponsored entity like a XXXX XXXX, or XXXX XXXX. Unfortunately for Early Warning Services, the US Government does not sponsor them and does not wield an iota of power. They are beholden to the very sponsors that fund them ; the largest banks in The United States. Consistent instances of incompetence, fraud, and negligence will undergo investigation ; as complaints continue to mount against them, action will be taken to either dismantle the organization or remove every last incompetent employee ( all current employees at EWS ) they have proven useless at carrying out. EWS is abusing their " sponsorship '' via largest banks in the United States and attempting to leverage that influence over consumers by not following standards set forth by the fair credit reporting act. - EWS will abide by my requests sent via standard mail, fax, email, and now via CFPB.
12/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 91364
Web
The Fair Credit Reporting Act ( FCRA ) emphasizes the importance of consumer reporting agencies handling consumer information with fairness, impartiality, and respect for privacy. This mandate is clearly stated in 15 USC 1681 Section 602 ( a ), which declares the need for " consumer reporting agencies to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' As a consumer, I have the right to protect my private information from being shared, as outlined in 15 USC 6801. This section states that " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Notably, the " furnisher of information to credit agencies '' qualifies as a financial institution under this statute. Furthermore, 15 USC 1681 Section 604 ( a ) ( 2 ) restricts the circumstances under which consumer reporting agencies like XXXX and XXXX can furnish consumer reports. This section explicitly states : " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Neither XXXX nor XXXX, nor the furnisher of information, possess written consent from me to access my personal information. Therefore, any form of implied or verbal consent, written or otherwise, is hereby revoked. Moreover, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers about their " nondisclosure option '' before disclosing nonpublic personal information to unaffiliated third parties. However, the furnisher of information failed to inform me of this right. Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including " other adverse item [ s ] of information, '' other than criminal convictions exceeding seven years, in consumer reports. This provision directly contradicts the inclusion of outdated negative information on my report without my permission. In conclusion, the actions of Early Warning, XXXX, XXXX, XXXX, XXXX, and the furnisher of information clearly violate the Fair Credit Reporting Act and my right to privacy. I demand immediate rectification of this situation, including the removal of unauthorized information from my credit report and adherence to the legal requirements outlined in the aforementioned statutes as well as XXXX $ per violation of the FCRA. Unauthorized Credit Inquiries and Inaccurate Reporting : Unauthorized Inquiry - //X ) : Violation : Unauthorized credit inquiry ; Fair Credit Reporting Act ( FCRA ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] Unauthorized Inquiry - //X ) : Violation : Unauthorized credit inquiry ; FCRA Section 604 - Permissible purposes of consumer reports. Inaccurate Reporting ( Account Number : ) : Violation : Reporting inaccurate payment history ; FCRA 607. Compliance procedures [ 15 U.S.C. 1681e ] - Compliance procedures regarding accuracy and integrity of information. Inaccurate Reporting ( Account Number : ) : Violation : Reporting inaccurate payment history ; FCRA Section 607 - Compliance procedures regarding accuracy and integrity of information. Unverified Accounts on My Credit Report : Unverified Account - ( Account Number : ) : Violation : Unverified account ; Fair Debt Collection Practices Act ( FDCPA ) Section 807. False or misleading representations. Unverified Account - ( Account Number : ) : Violation : Unverified account ; FDCPA Section 807 [ 15 USC 1692e ] - False or misleading representations. Unverified Account - ( Account Number : ) : Violation : Unverified account ; 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6805 - Enforcement 16 CFR Part 313 - PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION 313.7 Form of opt out notice to consumers ; opt out methods. 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 12 CFR 1016.1 Purpose and scope. 12 CFR 1016.4 Initial privacy notice to consumers required 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods Privacy Act of 1974 ( 5 U.S. Code 552a Personal Impact : These infractions have far-reaching effects that go beyond the financial setbacks including lose of job opportunities, denial of Housing and psychological distress they inflict. I have been unable to provide a stable environment for my family. Now 5 years of homelessness I'm looking for security and a fresh start. Unfortunately, the errors and disputed accounts on my credit record have turned this fantasy into a crippling ordeal. My family has been severely hampered by the difficulty to obtain advantageous financing anything to stay alive but also keeping a loop of uncertainty alive and causing stress, XXXX and XXXX. This experience has diminished our emotional resilience and put our financial stability in jeopardy, which lessens the likelihood that things will get better in the future. Action : Given the recorded transgressions and the upsetting effects on my life, I beg the Consumer Financial Protection Bureau to take action and make these violations right. I fervently ask that the unlawful credit inquiries be stopped, that false information be corrected in reports, that the unverified accounts be thoroughly investigated, and that there be a monetary remedy provided for the aforementioned infraction. I think that consumer protection legislation have the ability to guarantee fair and just financial practices. By taking action against these infractions, you protect the integrity of credit reporting systems for all customers while simultaneously helping to restore my financial stability. I value your consideration of this issue and look forward to a thorough conclusion that upholds consumer rights and advances financial justice of XXXX $ per violation of the FCRA.
08/25/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33063
Web
EARLY WARNING INC IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT SUB SECTION 406 AND ALSO IN VIOLATION OF FDCPA, FOR THE REASON THEY REFUSE TO TELL ME WHAT IS THIER ISSUE, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or XX/XX/XXXX2004 13 ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for Furnishing and Using Consumer Reports for Employment Purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; andXX/XX/XXXX2004 14 ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to Consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and
08/05/2022 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • CA
  • 94133
Web
I listed a pair of wedding heels on XXXX XXXX and was contacted by a XXXX user called XXXX XXXX XXXX XXXX' on Monday XX/XX/XXXX. She was interested in purchasing my pair of shoes for {$170.00}. She said she was located in XXXX XXXX and shipping would be ideal. On XX/XX/XXXX morning, she requested for my XXXX email and name to send payment to. She was very aggressive and demanded me to check my email for the notification mail from XXXX. At the time, I was focused on selling my pair of shoes that I did not pay attention to the sender of the email was not from XXXX and it was from this email address " XXXX '' I received a total of XXXX scam emails from this email address on XX/XX/XXXX. The first email I received was at XXXX that stated I have received a payment of {$170.00} USD from XXXX XXXX " Important : To receive this payment, please reply to this email immediately stating that you accept the money. '' Then I received a second email at XXXX stating " We are sorry for the late response. We encountered a little problem while crediting your account, you have a pending payment of {$170.00} USD but we have a problem crediting your account with that amount because your account is not a premium account and can not receive funds that add up to {$170.00}. '' The email instructed me to send in an additional payment of {$620.00} so that my account limit can be expanded, as soon as this is done, we will credit the total amount of {$800.00} into your account immediately without any further delay. Meanwhile, XXXX was communicating and instructing me to send her the refund through Zelle or XXXX. She gave me her XXXX XXXX XXXX XXXX. I asked her is the name under XXXX XXXX she responded yes. Payment though XXXX was declined and she insisted me to send her payment through Zelle to XXXX under the name of XXXX XXXX. Then after I sent the payment, I received a third email from the fake " XXXX '' at XXXX, this time stating that my account has been upgraded to premium account and I have received an additional payment of {$620.00} USD from ( XXXX XXXX ) and your account will be fully credited with the total sum of {$800.00} USD. When I checked my account, I never received the funds. At XXXX, I received a fourth email stating " On the verge of crediting the pending payment of $ XXXX as we notified you earlier which was paid by the customer XXXX XXXX, we looked through our database and found a total pending payment of $ XXXX. There has been another new payment of {$620.00} USD from the same customer XXXX XXXX resulting in an excess payment from the same customer, We are unable to separate the payments as they have been added to our database and all the funds are pending in your account, due to this reason, we can't proceed with crediting your account with the initial pending payment of {$800.00} USD. We have also tabled the transaction before the Board of Directors and they have advised that the payment ( XXXX ) should remain " ON-HOLD/Pending here while you make the refund of the new payment of {$620.00} USD using Zelle after which we shall then credit your account with total payments of {$1500.00} USD because you are getting a bonus of {$100.00} USD. Note the customer 's account has now been suspended. '' Then XXXX instructed me to send the {$620.00} refund to her other Zelle account due to the first account having receiving limits. She said " XXXX gave you a bonus of {$100.00} due to this. '' She gave me her other Zelle account " XXXX under the name " XXXX. '' After payment was sent, I received a fifth email at XXXX stating " Your pending payment of {$1500.00} USD has been successfully approved and the money will be available in your account between XXXX hours and we will send you an email immediately the money is available in your account. '' At XXXX, I received a final sixth email stating " IMPORTANT : READ CAREFULLY THE BELOW MESSAGES AND FOLLOW THE INSTRUCTIONS GIVEN SO WE CAN FINALLY PROCESS YOUR PAYMENT WITHOUT ANY FURTHER DELAY. We are sending you this message to notify you that we have expanded your account limit. You have to pay the XXXX charges of {$870.00} USD. XXXX XXXX 's account is still suspended till your money gets finally credited to your account. The charge you need to pay before the money can get credited into your account is {$870.00} USD, your account will be credited immediately with the sum of {$2500.00} USD within XXXX minutes of confirming the transaction refund because you are getting a bonus of {$100.00} USD. Note : The money has been deducted from XXXX XXXX XXXX account so we urge you to go ahead and send an additional {$870.00} USD refund through Zelle and get back to us with the refund proof as XXXX charges so that we can unfreeze XXXX XXXX XXXX account. Also note : Ask the customer for another Zelle information. Once we receive the proof of refund from you as a means of the XXXX charges, we will credit your account with the sum of {$2500.00} USD without any further delay. '' At that same moment, XXXX messeged me on XXXX " Did you receive the recent notification about XXXX XXXX XXXX charges of {$870.00}? '' Then I asked her " Yikes, what is this XXXX XXXX? Is this a spam? '' She explained that it is only charged once and you don't have to pay for it again. I told her I'm calling XXXX to inquire. She said I'm not stealing from you I promise. She told me calling XXXX is not a solution. Then I found out this was a fraud. I reported to XXXX XXXX XXXX Zelle to start an investigation today. I also reported XXXX XXXX on XXXX and to the internet crime complaint center. I am hoping Consumer Financial Protection Bureau can do something to help me recover the money I lost through internet scam. I am getting married in XXXX and really need this fund for my wedding. Thank you so much for reading this and I look forward to a response and resolution. Thank you!
02/04/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • PA
  • 180XX
Web
I was supposedly buying a XXXX XXXX puppy from a breeder in Iowa. I had saved up around {$700.00} for buying a puppy, not a very big budget but I hoped I'd be able to find something in that price range. The puppy was supposedly {$650.00} and that includes the cost of shipping. His phone number was from Iowa, and they gave me a website and a contract, it all looked real. The people I was buying from asked if I could send the money on zelle, an app I had never used before. Thinking this app was much like XXXX or XXXX, I agreed. I downloaded the app to find out that I needed to use my XXXX app, and send the zelle through there. After I sent the first payment, a " deposit '' to hold the puppy for me, everything seemed like it was going well. They then sent a contract to me, in regards to the puppy 's health, and a guarantee of it. After I signed the contract digitally they then said the rest of the payment was due. I then sent the remaining {$350.00} to the guy. Both these payments took place on XX/XX/2021. The told me the puppy would be shipped out, and delivered the same day, XX/XX/2021. I was elated. Around XXXX on the 2nd, I received a phone call from the " shipping company '' saying that the carrier the puppy was being shipped in was not suitable for the weather, and I'd need to rent a crate from them for {$98.00}, and also pay for insurance for the puppy, another {$300.00} something, totaling around {$500.00}. He also told me that 95 % of the cost of the insurance would be refunded to me upon the puppy 's delivery. I grew a bit suspicious at this point. I even said this feels like a scam. I'm so mad I didn't listen to my gut. I told the man I didn't have that kind of money. He told me I needed to pay them, or the puppy could die. That if I didn't upgrade the crate or get the insurance they couldn't guarantee the puppy 's safety. I panicked. The thought of this puppy dying in transit was horrifying. But I didn't have that much money. I told the man on the phone that the seller was supposed to handle shipping costs, that he should contact them. He told me that I was the legal owner of the animal, so I was the one that had to handle it. He said I could talk to the seller and try to work something out with them, and once I did to call back ASAP so there would be no delays in shipment. Panicking, I got in contact with the seller. They told me that this " wasn't shipping '' and that I should be responsible for the payment. I told them I didn't have that much money. They told me they only had {$180.00} to contribute. Defeated, I asked my boyfriend if I could borrow a couple hundred from him, and told him I'd pay him back immediately when the money was returned to me. He gave me the money to send to them. The seller told me that they had sent the shipping company the {$180.00}, and that I should just send the remainder to them to send over to the company as well. I was confused, and I tried calling the shipping company again. Unfortunately the guy was very hard to understand, and I could only make out half of what he was saying. He told me the sellers were taking care of it and I should continue talking to them, along with some other things I couldn't make out. I tried asking questions but was quickly shut down, and then he hung up on me. Defeated yet again, I reached back out to the seller. They told me I needed to either zelle them the money again, or send it to them via bitcoin. I of course didn't have any bitcoin, and didn't want to send anyone any money in what I KNEW was untraceable and could not be connected back to them. They gave me a different zelle from the original one I had sent money to. I reluctantly sent the money over totaling my loss at {$940.00}, telling myself once I had the puppy in my arms it would all be worth it. Later that night, when the puppy was supposed to be arriving at my apartment, I was contacted by the seller who told me no one was available to make deliveries at that time of night, and that she'd be delivered the next morning. My heart sank. I clung to hope, and waited until the next morning. Once XXXX rolled around, and still no word from anyone, I reached out to the seller with no response. I then called the shipping company, and got through to them after my second phone call. They told me the puppy was currently being held in XXXX, and that she'd be in my state, Pennsylvania, by XXXX that night, today, XX/XX/2021. After telling me this, he was once again very dismissive and didn't want to answer my questions. He hung up again before I had gotten all my answers. At this point my suspicion was immense, but I was still in a bit of denial. I told myself I'd reach out to the shipping company again later, and this time I'd get definite answers. Well I tried calling them several times, and could not get through to them. Finally I accepted the facts. I got scammed. They took all my money, some of my boyfriend 's money, and we would never see that puppy. After crying for a bit at my foolishness, I tried contacting my bank and zelle because I thought they would be able to do something. They told me there was nothing they could do for me, that all I could do was file a claim in small claims court. I can't even do that. I don't even have the money to pay for the fee to file a claim. I thought zelle was traceable. I thought there'd be a trail of where and who the money went to, and if something happened I'd be safe and secure, or at the very least they'd be able to find the person who did this. They can't. There's nothing I can do now except ask for help, and spread the word of what happened to me. I've attached multiple screenshots of the money transfers, the contract, both the " breeder '' and " shipping company 's '' websites, as well as some screenshots of messages between the seller and I. Thank you for taking the time to look into this.
08/16/2018 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Managing, opening, or closing your mobile wallet account
  • VA
  • 22312
Web
A friend sent me money using a new service called " XXXX '' that all the banks are now pushing. Unfortunately XXXX can not be used with a computer or tablet, only a phone. The message I received had information on how to to set up a XXXX account, but no option to " refuse funds '' or anything similar. My friend no longer has access to these funds, so she can not send them to me using an alternative method. XXXX says she will automatically get her money back. The XXXX Ap she has ( from XXXX XXXX XXXX ) does not have a " cancel '' function. Basically XXXX is holding her money ( and presumably collecting interest ) for 14 days. I have repeatedly requested that they refuse the money on my behalf, and they refuse to do so, even after I told them I would report it to the CFPB. The following is the most recent email thread between us : ( begin forwarded email ) Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Today at XXXX XXXX To XXXX Message body XXXX does not hold funds and we can not take action on any payments, the sender needs to contact their bank to cancel the payment. -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : XXXX XXXX [ XXXX ] Sent : XX/XX/2018 XXXX XXXX To : XXXX Subject : Re : XXXX Support I am unable to use your ap since it only works on phones. Since your email did not include a simple " decline funds '' link ( it most certainly should ) I need you to intervene and return the funds, as I can not collect them. I was also told be you all that the sender would get her money back in 14 days, but I need you to return it to her immediately. If you do not do so, I will report this to the Consumer Financial Protection Agency as one of the following 1 ) Criminal negligence in design and concept. Clearly the recipient, if not a " member '' of your system should have a ready way to decline payment 2 ) Theft of interest by design. I covered this all in my original email. The transfer was initiated by XXXX and was sent to me at XXXX The senders phone number is XXXX XXXX If you return her money promptly, I may not take the time to report you to the CFPA. If you do not, I promise that I will. For this reason, it is incumbent that your refer this matter to the highest level of support immediately, so that proper action can be taken to address my reasonable complaint. Please do so AT ONCE. The reiterate, please return the money to sender ASAP! Thank you XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - { } The core belief of XXXX ( even XXXX ) is empathy : Whatsoever you do to the least of my people, that you do unto me. { } Our original national motto : XXXX XXXX XXXX - for more information : XXXX : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX XXXX XXXX { From : XXXX Consumer Support XXXX To : " XXXX '' XXXX Sent : Wednesday, XX/XX/2018 XXXX XXXX Subject : Re : XXXX Support Hello, Thank you for contacting us! If you have already received a payment from a XXXX user, the option to cancel or decline will not be available. You may return the payment, or contact your financial institution for assistance with reversing the payment. Who to call : If your financial institution offers XXXX, please contact their customer support for help. If you use the XXXX App with a non-participating financial institution, please contact us at the number below. If you have additional questions regarding the XXXX experience, we are more than happy to help! Best regards, XXXX Support Call us toll-free at XXXX. We are open seven days a week from XXXX XXXX to XXXX Eastern Time, excluding federal holidays. If you are calling from outside the United States, please call us at XXXX from XXXX XXXX to XXXX Eastern Time on Monday through Sunday. -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : XXXX XXXX [ XXXX ] Sent : XX/XX/2018 XXXX XXXX To : XXXX Subject : Re : XXXX Support How can we cancel this payment sooner? She needs the money back so she can pay me. You lack of " refuse payment '' link in the email you sent me is a glaring commission. If there is really no way to refuse payment, I will be taking the is up with the Consumer Financial Protection Agency as a form of consumer fraud. This is either a negligent design flaw, or a deliberate scam to earn interest on other folks money. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - { } The core belief of XXXX ( even XXXX ) is empathy : Whatsoever you do to the least of my people, that you do unto me. { } Our original national motto : XXXX XXXX XXXX - for more information : XXXX : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX XXXX XXXX { From : XXXX Consumer Support XXXX To : " XXXX '' XXXX Sent : Tuesday, XX/XX/2018 XXXX XXXX Subject : XXXX Support Hello, Thank you for contacting us and providing feedback. We will forward your thoughts on to our XXXX Technical Support Team. The payment will automatically expire, if it is not claimed within 14 days from the date of the original notice. It will then be returned to the sender. Thank you, XXXX Support If you have additional questions regarding the XXXX experience, feel free to contact us toll free at XXXX. If calling from outside the United States, please call us at XXXX Monday Sunday XXXX to XXXX EST. ref : XXXX : ref ( end forwarded email ) This company needs to be closed down. Not only is their business model comically limited ( many people don't want to use their phone ) but the inability to refuse funds is both predatory ( e.g stealing interest ) but also seems coercive ( e.g. intended to force users to sign up ). The fact that major financial institutions have partnered with such a poor organization is also worthy of investigation. Please return funds ASAP
03/14/2018 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • DC
  • 200XX
Web
On XX/XX/XXXX, a friend used the XXXX platform to transfer me {$1300.00} for her portion of our house 's rent payment for the month. Both of us were registered with XXXX, and had it linked to our respective bank accounts. XXXX markets their XXXX transfer product as nearly instantaneous, where funds can be transferred within minutes, which is why we opted to use this platform rather than XXXX, which can take 1-2 business days to transfer. The money was taken out of her XXXX account on XX/XX/XXXX, and I received a text message from XXXX XXXX XXXX on XX/XX/XXXX stating that she sent me {$1300.00}, the correct amount of the transfer. By XX/XX/XXXX, I had still not received the deposit, and followed up with XXXX XXXX XXXX via a phone call on XX/XX/XXXX to inquire about the transfer. They told me that sometimes a first time transfer can take from 1-5 business days to process. At that point, I agreed to wait until the 5 business day mark, even though at no point during the signup for transfer confirmation process did they mention that a transfer could take longer than the much marketed " minutes. '' On the main page of their website, a footnote even says, " Transactions between enrolled XXXX users typically occur in minutes. If your recipient is not yet enrolled with XXXX, it may take between 1 and 3 business days after they enroll. '' We had both been enrolled with XXXX for some time, but decided to wait until the 5 day mark that was told to me my XXXX XXXX XXXX 's customer service representative on XX/XX/XXXX before becoming truly worried. At that point, the wait time for my transfer created great financial hardship as we had to make our rent payment by XX/XX/XXXX, the third business day after the day of the transfer. I had to transfer the amount of her rent out of my savings account to make sure I had sufficient funds in my checking account. Had we not paid this on time, we would have incurred a {$1000.00} late fee from our landlord. By XX/XX/XXXX, I still had not received the transfer funds, marking the XXXX business day after the original transaction. I once again contacted XXXX XXXX XXXX, and I was told that sometimes transfers can take longer, but that the transaction was processing and would be deposited into my checking account that same day by XXXX. The customer service representative connected me to their XXXX help line, where I spoke to a XXXX customer service representative. He told me that sometimes a first time transfer can take 1-5 business days to complete, but once I relayed that we were now on the 7th business day after the transaction, he could not explain why it was taking so long, but also assured me that the money would be processed into my account by XXXX that night. On XX/XX/XXXX, I contacted XXXX XXXX XXXXXXXX again, inquiring about the funds that had not been deposited into my account since its initial transfer 9 business days prior. Once again, I was told that the transaction was processing, it should be deposited into my account by XXXX that night, and that there was nothing further she could do to track the transfer. On Monday XX/XX/XXXX, it marked two weeks since my friend had transferred the money to my account. I still did not have the money in my account. I took my lunch break from work to go to a physical XXXX XXXX XXXX branch to try and solve the issue once again. I was told that all she could do was connect me to the XXXX, and could not track the payment since it was a XXXX transaction. I left the branch, and called XXXX XXXX XXXX again. The customer service representative could not tell me why the money had not deposited, and could still see it processing. She told me at this point that I should remove my phone number from my XXXX account, and re-sign up for the service. She also told me that I should have my friend who initiated payment call her bank and have the transfer cancelled. As of XX/XX/XXXX, the 15th day since the original date of transfer, I have still not received the transfer. I had to transfer money out of my savings account, and have taken time out of my workday to make phone calls and visit a XXXX XXXX XXXX branch to try and resolve this issue. My friend has contacted her bank, XXXX, to try and cancel the transfer, but was told that the money has already been deposited into an account. She also contacted XXXX, to track the status of the deposit, but XXXX told her to contact her bank. At this point, the money is still not in either of our accounts, and {$1300.00} is in financial transfer purgatory, where no one seems to know where it is. All three parties involved ( XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ) have repeatedly pointed fingers to the other to try and shift the blame for not being able to control their own fund transfers. This is a horrible example of operational control by institutions that are supposed to be protecting our money. I no longer have faith in my financial institution, and am more wary about using my own bank to transfer funds, than a third party service such as XXXX. A platform that is backed by most of the big banks in our country should be able to accurately track XXXX transfers in real time. There should be no question about where a money transfer is at any step in the process, and there should be set contingency plans in place if the transfer fails, instead of just saying to contact someone else to deal with the issue. XXXX 's internal controls are ineffective, and dangerous for customers if they are going to try and continue to take over the XXXX transfer market. Losing {$1300.00} of a customer 's money is unacceptable, and XXXX should not be allowed to continue to market their product as " fast, safe, and easy '' when it is none of those.
12/26/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NY
  • 11238
Web
On XX/XX/XXXX around XXXX PM I received a phone call from someone who said he was a XXXX technician who apparently was at my home address to disconnect my services. Few weeks ago I received a final notice from XXXX about my bill, but I was able to push my payment a few weeks farther. I said that I fixed the situation and the person told me that he was " just a technician and if I need an assistant I have to call the office by the number '' he provided. The phone number provided by the " technician '', who came to turn off my service was XXXX XXXX XXXX Extension 1 When I called the number the person who picked up said that I was calling XXXX and I am on the recorded line. He said my balance was {$490.00} and due to no payment received they started the turn off process ( I remember owning a bit over {$300.00}, but thought that this was updated around after a few weeks ). He told me to stop disconnecting. I either have to go to the physical XXXX location with a personal check for this amount or I need to send Zelle to the manager handling the case. When I asked why I can't pay by card which they have in the system, he said that the process for disconnection is active and now different departments handle this case, so this is the only payment they accept at the moment. He told me if I will decide to go in person to pay my bill, unfortunately at the moment they will need to disconnect my electricity and because it's Friday, it will take 2 business days to reactivate my services, so if I want to resolve the problem now, I have to send Zelle payment to the manager. The " representative '' asked me to Zelle {$490.00}, using FR009-12 payment code which he asked me to put in memo XXXX XXXX- was a recipient Then he said there was a mistake and he apologized. I needed to put space between FR and 009, because they don't see the transaction ( I do not use Zelle that often, so I do not know how it works ). But so the transaction would go through. I need to round up the amount to {$490.00}. I said it was his mistake that he didn't give me correct instructions. He said that this is my refund number XXXX for {$490.00}, which I will receive in XXXX business days. After this transaction he confirmed it went through and then he asked to send another {$1000.00} to get a confirmation number and to make sure my services will be reconnected for me. He also said that this is only a deposit and it will be refunded to me by the end of the day. I ask him that since XXXX asks for any deposit and I don't feel comfortable to send such money via Zelle. The " representative '' got rude and he told me that if I want the service to be up and running this is my decision to do it right now or go directly to the XXXX office. I was at work busy, on the phone with this person for like XXXX min, I had to be back to work and wanted to finish this conversation and fix the issue as soon as possible. The person on the phone started to put pressure on me. Then I asked him to give me my account number. He said XXXX ( I didn't have a bill with me with all the information, so I couldn't check ). I also asked to repeat his name and give me his employee ID #. He said his name is XXXX XXXX and XXXX, his employee number. He repeated that I am on a recorded line and that I do not need to worry. I sent another {$1000.00}. He said he didn't receive anything and asked me to retry but this time {$1000.00}. Of course it didn't go through as I sent all my money at this point. I was so overwhelmed and couldn't think straight. He was asking me if I have another bank account and this is when it got super weird. I asked him to repeat my refund number which he gave me earlier and he couldn't repeat it ( but before he really took his time making sure I wrote all the rest of the information correct ; he even spelled his name and employee number a few times, when I didn't write it down correctly ). He said to call tomorrow morning to XXXX ext XXXX at XXXX AM or if I can't call that earlier than dial XXXX XXXX XXXX. He also provided a reference number XXXX to open a petition for refund. I was so lost and felt so sad as I just paid money which I technically didn't have ( I had to transfer it from my business account ; this was money for my business rent, which I needed to pay today, XX/XX/XXXX ). I was busy with clients until XXXX PM. In between, I asked my husband to check a bill and send me the account number which was written on the bill. Then I saw that the number was different from the one the person on the phone provided me. What is the coincidence that the amount they asked me to pay was close to the one I owned and that I really received final notice a few weeks ago. But I realized it was a scam. I called immediately to my bank to dispute those charges ( they still were pending on my account ). At this point ( 3 days after ), I spoke several times on the phone with my bank, I spoke to a representative in person in the nearest bank and I spoke on the phone with Zelle as well as filled the scam report with them. All the institutions told me that the inquiry can not be resolved and that I lost my money. Zelle told me to contact my bank, my bank told me to contact Zelle. I dont believe there is nothing we can do at this point. Money was transferred from account to account, its not like I was using cash. I hope you will be able to transfer me to the person who can handle this case and actually help me to return my money. Thank you! Sincerely,
11/09/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • FL
  • 33617
Web
I received a text message on XX/XX/XXXX at XXXX, XXXX & XXXX from XXXX XXXX Fraud department XXXX XXXX stating there were 2 transactions that were declined per my account. I recognized this message as I have gotten it prior from XXXX XXXX. It asked ( like normal ) to respond YES or NO to those transactions being authorized. I immediately responded with NO. The next text then read that a Zelle payment of {$2500.00} had also been authorized and asked if this was recognized. I then immediately responded with NO. The final text I received at XXXX read Thank you. We received your response. No further action is required at this time. This transaction will be reversed with the help of your phone representative. '' I then received a phone call from the same number afterwards to confirm if these transactions were authorized. They were for {$100.00} at XXXX, {$560.00} at XXXX and {$2500.00} via Zelle. I verbally told the representative that no, they were not authorized nor recognized. He then proceeded to inform me that the transactions were coming out of Ohio to which I vehemently stated could not have been me since I reside in Florida. He explained that they were not going to be going through and how debit cards were being continuously compromised through gas station pumps. He then went into detail how XXXX XXXX customers wouldnt necessarily be privy to know this because of the ever-changing card chip functions that the gas pumps now are using. He stated though that to stop the reoccurring Zelle payment now under a different name per my cell number Id have to erase the foreign name in my banking app ( was something strange like XXXX ) and instead place my name in the form. He then stated to authorize the funds in my account ( {$810.00} ) to be transferred and sent to MYSELF and to my personal cell number. I complied and he informed me that the transfer would occur in under 10 minutes. When that did not happen, I immediately called XXXX XXXX customer service at XXXX at XXXX and spoke to the representative who saw the fraudulent debits ( to which my now debit card had been turned off and a new one on its way to me ) and the Zelle transaction. The representative then also said that she saw the expedited notion on the Zelle transaction and that it would be available back in my account within 1 business day. Upon checking my account early Wednesday morning on XX/XX/XXXX I saw that the funds were not available. I called XXXX XXXX customer service again at XXXX. This representative was flabbergasted that the clerk I spoke with the afternoon before would have verified seeing these unauthorized debits and also had confirmed the Zelle transfer to be going back into my account as she herself saw NOTHING of the sort. She then opened a fraudulent claim # XXXX and explained that the matter would be investigated and resolved within 10 business days. I asked if my {$810.00} would be put back into my account as a provisional credit since it was all the money I had and she explained that it would not and that I would have to wait 10 business days for the claim to be addressed. I then called the claims department after I hung up with her at XXXX to explain that I did not have 10 days to wait for the provisional credit. They informed me that this was unfortunately all they could do at the moment. I then called back to try my luck again and was redirected to the online banking department to which a claims representative informed me that I would not be reimbursed the money and that I had been outright scammed. I did not accept this resolution and called back customer service at XXXX to complain that this was troublesome for a number of reasons : # 1- I recognized getting texts about weird debit card transactions trying to go through my account before and asking for a YES or NO verification on those being authorized. This hence established my trust in the representative that called me after receipt of the texts. # 2- The request to override the {$2.00} ZELLE payment was instructed to be made from MYSELF TO MYSELF and to my personal cell number. This wasn't to anybody I did not recognize. I did not question this transaction as I trusted Zelle and XXXX XXXX to see this transaction coming FROM ME back to ME. # 3- The XXXX XXXX representative I spoke with within 30 minutes of this happening recognized the Zelle payment to NOT be suspicious and confirmed that it would be paid back to MY account and to MY cell number within 1 business day. This transaction was still pending and if this representative had informed me that they did not see any unauthorized debits trying to go through, we could have caught this fraud and scam from going through before it was posted the next morning. I would have NEVER let the remainder of the day go by if I did not get the reassurance from that XXXX XXXX representative that all looked ok on my account transactions. Now I am left with conflicting information about whether this situation is fraudulent, or a scam and my bank is not doing anything besides submitting a claim to be investigated with Zelle. All they have been able to tell me is that it will be about 10 business days before a resolution is reached. I am a mother of XXXX small children with a depleted bank account that is also in the negative because of automatic debits going through and no one to turn to. This is an uncanny scenario given I have been a loyal XXXX XXXX customer for over 7 years.
11/09/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 33617
Web
I received a text message on XX/XX/XXXX at XXXX, XXXX & XXXX from XXXX XXXX Fraud department XXXX XXXX stating there were 2 transactions that were declined per my account. I recognized this message as I have gotten it prior from XXXX XXXX. It asked ( like normal ) to respond YES or NO to those transactions being authorized. I immediately responded with NO. The next text then read that a Zelle payment of {$2500.00} had also been authorized and asked if this was recognized. I then immediately responded with NO. The final text I received at XXXX read Thank you. We received your response. No further action is required at this time. This transaction will be reversed with the help of your phone representative. '' I then received a phone call from the same number afterwards to confirm if these transactions were authorized. They were for {$100.00} at XXXX, {$560.00} at XXXX and {$2500.00} via Zelle. I verbally told the representative that no, they were not authorized nor recognized. He then proceeded to inform me that the transactions were coming out of Ohio to which I vehemently stated could not have been me since I reside in Florida. He explained that they were not going to be going through and how debit cards were being continuously compromised through gas station pumps. He then went into detail how XXXX XXXX customers wouldnt necessarily be privy to know this because of the ever-changing card chip functions that the gas pumps now are using. He stated though that to stop the reoccurring Zelle payment now under a different name per my cell number Id have to erase the foreign name in my banking app ( was something strange like XXXX ) and instead place my name in the form. He then stated to authorize the funds in my account ( {$810.00} ) to be transferred and sent to MYSELF and to my personal cell number. I complied and he informed me that the transfer would occur in under 10 minutes. When that did not happen, I immediately called XXXX XXXX customer service at XXXX at XXXX and spoke to the representative who saw the fraudulent debits ( to which my now debit card had been turned off and a new one on its way to me ) and the Zelle transaction. The representative then also said that she saw the expedited notion on the Zelle transaction and that it would be available back in my account within 1 business day. Upon checking my account early Wednesday morning on XX/XX/XXXX I saw that the funds were not available. I called XXXX XXXX customer service again at XXXX. This representative was flabbergasted that the clerk I spoke with the afternoon before would have verified seeing these unauthorized debits and also had confirmed the Zelle transfer to be going back into my account as she herself saw NOTHING of the sort. She then opened a fraudulent claim # XXXX and explained that the matter would be investigated and resolved within 10 business days. I asked if my {$810.00} would be put back into my account as a provisional credit since it was all the money I had and she explained that it would not and that I would have to wait 10 business days for the claim to be addressed. I then called the claims department after I hung up with her at XXXX to explain that I did not have 10 days to wait for the provisional credit. They informed me that this was unfortunately all they could do at the moment. I then called back to try my luck again and was redirected to the online banking department to which a claims representative informed me that I would not be reimbursed the money and that I had been outright scammed. I did not accept this resolution and called back customer service at XXXX to complain that this was troublesome for a number of reasons : # 1- I recognized getting texts about weird debit card transactions trying to go through my account before and asking for a YES or NO verification on those being authorized. This hence established my trust in the representative that called me after receipt of the texts. # 2- The request to override the {$2.00} ZELLE payment was instructed to be made from MYSELF TO MYSELF and to my personal cell number. This wasn't to anybody I did not recognize. I did not question this transaction as I trusted Zelle and XXXX XXXX to see this transaction coming FROM ME back to ME. # 3- The XXXX XXXX representative I spoke with within 30 minutes of this happening recognized the Zelle payment to NOT be suspicious and confirmed that it would be paid back to MY account and to MY cell number within 1 business day. This transaction was still pending and if this representative had informed me that they did not see any unauthorized debits trying to go through, we could have caught this fraud and scam from going through before it was posted the next morning. I would have NEVER let the remainder of the day go by if I did not get the reassurance from that XXXX XXXX representative that all looked ok on my account transactions. Now I am left with conflicting information about whether this situation is fraudulent, or a scam and my bank is not doing anything besides submitting a claim to be investigated with Zelle. All they have been able to tell me is that it will be about 10 business days before a resolution is reached. I am a mother of XXXX small children with a depleted bank account that is also in the negative because of automatic debits going through and no one to turn to. This is an uncanny scenario given I have been a loyal XXXX XXXX customer for over 7 years.
11/09/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Funds not handled or disbursed as instructed
  • FL
  • 33617
Web
I received a text message on XX/XX/XXXX at XXXX, XXXX & XXXX from XXXX XXXX XXXX department XXXX XXXX stating there were 2 transactions that were declined per my account. I recognized this message as I have gotten it prior from XXXX XXXX. It asked ( like normal ) to respond YES or NO to those transactions being authorized. I immediately responded with NO. The next text then read that a Zelle payment of {$2500.00} had also been authorized and asked if this was recognized. I then immediately responded with NO. The final text I received at XXXX read Thank you. We received your response. No further action is required at this time. This transaction will be reversed with the help of your phone representative. '' I then received a phone call from the same number afterwards to confirm if these transactions were authorized. They were for {$100.00} at XXXX, {$560.00} at XXXX and {$2500.00} via Zelle. I verbally told the representative that no, they were not authorized nor recognized. He then proceeded to inform me that the transactions were coming out of Ohio to which I vehemently stated could not have been me since I reside in Florida. He explained that they were not going to be going through and how debit cards were being continuously compromised through gas station pumps. He then went into detail how XXXX XXXX customers wouldnt necessarily be privy to know this because of the ever-changing card chip functions that the gas pumps now are using. He stated though that to stop the reoccurring Zelle payment now under a different name per my cell number Id have to erase the foreign name in my banking app ( was something strange like XXXX ) and instead place my name in the form. He then stated to authorize the funds in my account ( {$810.00} ) to be transferred and sent to MYSELF and to my personal cell number. I complied and he informed me that the transfer would occur in under 10 minutes. When that did not happen, I immediately called XXXX XXXX customer service at XXXX at XXXX and spoke to the representative who saw the fraudulent debits ( to which my now debit card had been turned off and a new one on its way to me ) and the Zelle transaction. The representative then also said that she saw the expedited notion on the Zelle transaction and that it would be available back in my account within 1 business day. Upon checking my account early Wednesday morning on XX/XX/XXXX I saw that the funds were not available. I called XXXX XXXX customer service again at XXXX. This representative was flabbergasted that the clerk I spoke with the afternoon before would have verified seeing these unauthorized debits and also had confirmed the Zelle transfer to be going back into my account as she herself saw NOTHING of the sort. She then opened a fraudulent claim # XXXX and explained that the matter would be investigated and resolved within 10 business days. I asked if my {$810.00} would be put back into my account as a provisional credit since it was all the money I had and she explained that it would not and that I would have to wait 10 business days for the claim to be addressed. I then called the claims department after I hung up with her at XXXX to explain that I did not have 10 days to wait for the provisional credit. They informed me that this was unfortunately all they could do at the moment. I then called back to try my luck again and was redirected to the online banking department to which a claims representative informed me that I would not be reimbursed the money and that I had been outright scammed. I did not accept this resolution and called back customer service at XXXX to complain that this was troublesome for a number of reasons : # 1- I recognized getting texts about weird debit card transactions trying to go through my account before and asking for a YES or NO verification on those being authorized. This hence established my trust in the representative that called me after receipt of the texts. # 2- The request to override the {$2.00} ZELLE payment was instructed to be made from MYSELF TO MYSELF and to my personal cell number. This wasn't to anybody I did not recognize. I did not question this transaction as I trusted Zelle and XXXX XXXX to see this transaction coming FROM ME back to ME. # 3- The XXXX XXXX representative I spoke with within 30 minutes of this happening recognized the Zelle payment to NOT be suspicious and confirmed that it would be paid back to MY account and to MY cell number within 1 business day. This transaction was still pending and if this representative had informed me that they did not see any unauthorized debits trying to go through, we could have caught this fraud and scam from going through before it was posted the next morning. I would have NEVER let the remainder of the day go by if I did not get the reassurance from that XXXX XXXX representative that all looked ok on my account transactions. Now I am left with conflicting information about whether this situation is fraudulent, or a scam and my bank is not doing anything besides submitting a claim to be investigated with Zelle. All they have been able to tell me is that it will be about 10 business days before a resolution is reached. I am a mother of XXXX XXXX XXXX with a depleted bank account that is also in the negative because of automatic debits going through and no one to turn to. This is an uncanny scenario given I have been a loyal XXXX XXXX customer for over 7 years.
11/09/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 33634
Web
I received a text message on XX/XX/XXXX at XXXX, XXXX & XXXX from XXXX XXXX XXXX department XXXX XXXX stating there were 2 transactions that were declined per my account. I recognized this message as I have gotten it prior from XXXX XXXX. It asked ( like normal ) to respond YES or NO to those transactions being authorized. I immediately responded with NO. The next text then read that a Zelle payment of {$2500.00} had also been authorized and asked if this was recognized. I then immediately responded with NO. The final text I received at XXXX read Thank you. We received your response. No further action is required at this time. This transaction will be reversed with the help of your phone representative. '' I then received a phone call from the same number afterwards to confirm if these transactions were authorized. They were for {$100.00} at XXXX, {$560.00} at XXXX and {$2500.00} via Zelle. I verbally told the representative that no, they were not authorized nor recognized. He then proceeded to inform me that the transactions were coming out of Ohio to which I vehemently stated could not have been me since I reside in Florida. He explained that they were not going to be going through and how debit cards were being continuously compromised through gas station pumps. He then went into detail how XXXX XXXX customers wouldnt necessarily be privy to know this because of the ever-changing card chip functions that the gas pumps now are using. He stated though that to stop the reoccurring Zelle payment now under a different name per my cell number Id have to erase the foreign name in my banking app ( was something strange like XXXX ) and instead place my name in the form. He then stated to authorize the funds in my account ( {$810.00} ) to be transferred and sent to MYSELF and to my personal cell number. I complied and he informed me that the transfer would occur in under 10 minutes. When that did not happen, I immediately called XXXX XXXX customer service at XXXX at XXXX and spoke to the representative who saw the fraudulent debits ( to which my now debit card had been turned off and a new one on its way to me ) and the Zelle transaction. The representative then also said that she saw the expedited notion on the Zelle transaction and that it would be available back in my account within 1 business day. Upon checking my account early Wednesday morning on XX/XX/XXXX I saw that the funds were not available. I called XXXX XXXX customer service again at XXXX. This representative was flabbergasted that the clerk I spoke with the afternoon before would have verified seeing these unauthorized debits and also had confirmed the Zelle transfer to be going back into my account as she herself saw NOTHING of the sort. She then opened a fraudulent claim # XXXX and explained that the matter would be investigated and resolved within 10 business days. I asked if my {$810.00} would be put back into my account as a provisional credit since it was all the money I had and she explained that it would not and that I would have to wait 10 business days for the claim to be addressed. I then called the claims department after I hung up with her at XXXX to explain that I did not have 10 days to wait for the provisional credit. They informed me that this was unfortunately all they could do at the moment. I then called back to try my luck again and was redirected to the online banking department to which a claims representative informed me that I would not be reimbursed the money and that I had been outright scammed. I did not accept this resolution and called back customer service at XXXX to complain that this was troublesome for a number of reasons : # 1- I recognized getting texts about weird debit card transactions trying to go through my account before and asking for a YES or NO verification on those being authorized. This hence established my trust in the representative that called me after receipt of the texts. # 2- The request to override the {$2.00} ZELLE payment was instructed to be made from MYSELF TO MYSELF and to my personal cell number. This wasn't to anybody I did not recognize. I did not question this transaction as I trusted Zelle and XXXX XXXX to see this transaction coming FROM ME back to ME. # 3- The XXXX XXXX representative I spoke with within 30 minutes of this happening recognized the Zelle payment to NOT be suspicious and confirmed that it would be paid back to MY account and to MY cell number within 1 business day. This transaction was still pending and if this representative had informed me that they did not see any unauthorized debits trying to go through, we could have caught this fraud and scam from going through before it was posted the next morning. I would have NEVER let the remainder of the day go by if I did not get the reassurance from that XXXX XXXX representative that all looked ok on my account transactions. Now I am left with conflicting information about whether this situation is fraudulent, or a scam and my bank is not doing anything besides submitting a claim to be investigated with Zelle. All they have been able to tell me is that it will be about 10 business days before a resolution is reached. I am a mother of XXXX XXXX XXXX with a depleted bank account that is also in the negative because of automatic debits going through and no one to turn to. This is an uncanny scenario given I have been a loyal XXXX XXXX customer for over 7 years.
11/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Personal information incorrect
  • MI
  • XXXXX
Web
Early Warning Services continue to report inaccurate information. Because the reporting agencies play a vital role in consumer reporting they must maintain accuracy. There are several misspellings of my name and even names that do not belong to me. There are several nonmailable and incorrect addresses listed on my consumer report. My name is XXXX XXXX. There should be no other name or former names listed on my report I do NOT identify them and they are NOT the legal or lawful identity of me. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. There should be NO other addresses listed on my consumer report delete them as they are not mailable by the US Postal services. 15 U.S. Code 1681e - Compliance procedures U.S. Code Notes prev | next ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. ( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter. ( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph. ( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ). ( 2 ) Responsibilities of procurers for resale A person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by the person only for a purpose for which the report may be furnished under section 1681b of this title, including by requiring that each person to which the report ( or information ) is resold and that resells or provides the report ( or information ) to any other person ( i ) identifies each end user of the resold report ( or information ) ; ( ii ) certifies each purpose for which the report ( or information ) will be used ; and ( iii ) certifies that the report ( or information ) will be used for no other purpose ; and ( B ) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph ( A ). ( 3 ) Resale of consumer report to a Federal agency or department Notwithstanding paragraph ( 1 ) or ( 2 ), a person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall not disclose the identity of the end-user of the report under paragraph ( 1 ) or ( 2 ) if ( A ) the end user is an agency or department of the United States Government which procures the report from the person for purposes of determining the eligibility of the consumer concerned to receive access or continued access to classified information ( as defined in section 1681b ( b ) ( 4 ) ( E ) ( i ) [ 1 ] of this title ) ; and ( B ) the agency or department certifies in writing to the person reselling the report that nondisclosure is necessary to protect classified information or the safety of persons employed by or contracting with, or undergoing investigation for work or contracting with the agency or department.
02/25/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MA
  • 023XX
Web Servicemember
On XXXX XX/XX/2023 at XXXX XXXX, an individual called me directly from the " XXXX XXXX XXXX XXXX '' and the number popped up on my phone as XXXX 's number, XXXX. The individual stated that there were some potential fraudulent transactions made with my debit card, namely an attempt at a XXXX XXXX in South Carolina for {$940.00}. I confirmed that I did not make that transaction as I am overseas at the moment. The individual then stated that they would need to verify some information on my account to begin the process of processing the fraud and returning the funds to me. Thus far, the individual was not as smooth as XXXX employees generally are, but was saying the same things that XXXX would in this instance. I figured- it's a weird job market right now, maybe he's new. The individual asked for my XXXX number, which I provided. He then wished for me to provide my mobile phone provider and claimed that it was part of a new security initiative. It seemed odd, so we went back and forth for the better part of 10 minutes on this point as I was unwilling to disclose my mobile phone provider as it seemed completely irrelevant to a checking account/debit fraud. He insisted that it was a new security measure that that most customers were providing this information. I stated that I would decline the protection associated with the mobile phone provider. At this point, I was rather irritated and stated that " we should just cancel my debit card all together and issue me a new one. '' The individual stated that we could do this, but then noted that an attempt was just made to transfer funds from my XXXX account to a third party using Zelle in the amount of {$1000.00}. As I only used Zelle once or twice in the past - and about XXXX years ago - I did not have an appreciation for how quickly transactions process or what a XXXX XXXX employee could " see '' with regards to the XXXX/Zelle XXXX XXXX The individual stated that I would need to use Zelle to initiate the return of funds to myself and that he would walk me through it. He provided instructions and I again became frustrated and suspicious- and should have trusted my gut and hang up - but continued when he confirmed that he was calling from the XXXX number which bought him just enough confidence on my end to complete the " reversal '' ( details below ). Prior to concluding the call, the individual stated that I was to cut up my current debit card and that a new one would be sent out immediately ( same timeline as XXXX typically does ). He took my address ( XXXX XXXX, XXXX ) to send the new card to ( not my home address, as I will be overseas for a bit longer ). So, though super annoying, it seemed just legit enough. The individual stated that my accounts would " refresh '' and that the funds would reappear within 2-3 hours, that I would receive a text message when the accounts were resolved, and that I should expect someone from the fraud department would call within 24 hours to confirm that all was resolved - that I should be on the look out for this call and that it would be at the same time as the current call tomorrow. This is when it went from feeling off for XXXX to knowing that I was taken/scammed as XXXX never provides these types of instructions/follow-ups. Shortly after hanging up with the individual, I called XXXX directly to confirm if someone from their fraud department had contacted me- no. So I worked with the XXXX security folks to change out passwords, file the fraud complaint, and confirm that my accounts were in good standing. After completing my call with actual XXXX, I sent a funds transfer request to the fraudster using Zelle with a threat ( motivation can be a good thing ) and have since received XXXX calls from them ( none of which I answered ) and XXXX call from a different number ( all numbers below ). Separately, I received a text message from XXXX ( my mobile phone provider ) with a security code used to verify my account, so it is clear that the individual was attempting to access my account. I have since changed my password, so hopefully it shuts him down on that front. I completed the online Zelle fraud report via their online form on XXXX XX/XX/2023 and requested the fraudster/recipient 's IP address, bank name, and back account number. Zelle replied to the form that they would not share information about the transaction 's participants with individuals, but will share the information with the appropriate banks. The company, Zelle, takes no accountability for their roll in the scam, make any attempt to retrieve funds, nor cease the scammer 's ability to continue to operate on their platform. Key Data : XXXX XXXX : Received call from XXXX ( " XXXX '' ) ( note : it did not appear as " XXXX '' in all CAPS as it should have for " real '' XXXX ) XXXX XXXX : Call completed Zelle receiver : " XXXX '' at XXXX Total sent via Zelle : {$1000.00} Zelle ( transaction ) ID : XXXX XXXX Confirmation ID : XXXX XXXX XXXX XXXX Received call from XXXXXXXX XXXX XXXX : Received call from XXXX XXXX '' XXXX XXXX XXXX : Received call from " XXXX '' XXXX XXXXXXXX XXXX : Received call from " XXXX '' XXXX XXXX EST : XXXX call from " XXXX '' XXXX XXXX XXXX XXXX Received call from " XXXX '' XXXX XXXX XXXX : Received call from " XXXX '' XXXX
02/08/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • 10009
Web
On Wednesday, XX/XX/2023, I received a message regarding a TV stand I posted on XXXX XXXX. The buyer ( scammer ) wanted to purchase it for {$100.00} and claimed to not have cash and am only able to transfer the money through Zelle, the money transfer app. I sent over my email for the Zelle transaction and received an email from Zelle ( claims to be from corporate Zelle company ) stating that the {$100.00} credit is currently pending due to the buyer account is a business account so my account must be a business account in order to receive the credit. First email is as follows : " We are having a problem crediting your account with the sum of {$100.00}. The payment was sent from a business account and which makes the payment got held by Zelle on your end because the status of your account is not a business user account, and which can not be refund back to the sender 's account. So you have to take the urgent step below now to upgrade your account to a business account as to receive the payment. Kindly Take the urgent step below to upgrade your account. To fully expand your zelle account into a business user account, kindly contact the last Payer of your account to send you an additional payment of {$400.00} so the status of your account can be upgraded as a business user account. You will receive a total sum of {$500.00} immediately the additional payment has been sent to your account. Then the refund of {$400.00} will be sent to the senders account from your end immediately the full payment has been released into your account. '' In order to become a business account, the account must receive at least {$500.00} in credit. The buy then claims to send over {$400.00}, asking me to refund them the {$400.00} afterward. Zelle emails me saying the sender has now sent over {$400.00} that is pending and now I'm required to return the {$400.00} with screenshots in order for the pending credits to go through into my account. Their email for this step is as follows : " Dear Customer, You have successfully received an additional payment of {$400.00} USD For your account to be credited fully with the sum of {$500.00} USD You are required to send the sum of {$400.00} USD ( FIRST ) to the buyers Zelle information for your buyers safety, so as to secure the additional payment the buyer sent to expand your account and also we congratulate you for successfully upgrading your account to Business User which gives you unlimited access to all business features on your regular account. FINAL STEPS & INSTRUCTIONS TO FOLLOW : Below are the steps : 1. Get your Zelle account ready. 2. Ask for the Zelle details from the payment issuer. 3. Send the refund of {$400.00} USD to the buyer 's given account. 4. You are hereby required to send us the proof of the refund ( SCREENSHOT OR PICTURE ) that the money has been sent to the given information for your account to be fully credited with the sum of {$500.00} USD IMPORTANT NOTE : YOUR FUNDS HAS BEEN APPROVED & SECURED BUT YOU ARE REQUIRED TO CARRY ON AND FOLLOW THE GIVEN INSTRUCTION ABOVE FOR YOUR ACCOUNT TO BE FULLY CREDITED WITH THE TOTAL SUM OF {$500.00} USD Thanks for choosing Zelle and we are looking forward to serving all our valuable customers better. Thank you for using Zelle '' I sent over the {$400.00} refund through Zelle and received another email stating that there are errors with the account. The second email is as follows : " This is to inform you that we have received your payment of {$400.00} USD which has been approved, in order to get the full total {$500.00} USD transferred into your Zelle account in the next 10 minutes you are here by to pay the certificate form fee of {$500.00} USD so that we can start the processing of the funds, the certificate form fee represent the approval of your funds and also stands as insurance to your Business account, the money will be added to your pending fund.This happened because of the mistake from your end. You have to take this urgent step. For your account to be credited fully with the sum of {$1000.00} USD with the certificate fee. You are required to send the money to the info given below now so we can credit your account with the total amount of $ XXXX. Please note no mistake will be acknowledged This is the Zelle Agent info for the payment Below AMOUNT TO PAY : {$500.00} Email : XXXX Name : XXXX XXXX Note : This payment need to be sent within 10 minutes after 10 mins validate the info again from us Kindly send the screenshot of the transaction so we can proceed with you Zelle certificate We are very sorry for any in-convenient this might have caused you. Note : the certificate has been approved by our board of director and you are to get the card so we can credit your balance without any formof delay. Thanks For Using Zelle! '' After receiving this email, I tried to reach out to the buyer to reclaim the {$400.00} that was sent through Zelle. The buyer had deleted themselves from the chat and is not able to be found under their name anymore. Actions taken : - Attempted to reclaim the {$400.00} amount back - Reported fraud/scam on XXXX- Filed a fraud/scam claim through my bank - Filed a fraud/scam claim through Zelle
02/07/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91606
Web
Over the last year, I have discovered multiple errors on my Early Warning consumer report including accounts ( checking, savings, notations, return transactions, balance information, etc. ) that are completely inaccurate and fraudulent as they do not belong under my name and social security number. I do not know how many times I have to go back and forth to get this matter fixed. There are several XXXX XXXX XXXX accounts, there is a XXXX XXXX account, and several inquiries that I did not authorize, have no knowledge of, do not recognize, and it is deeply affected my ability to financial outlook by not being able to pursue accounts and relationships with certain financial institutions of my choosing. Early Warning and the furnishers of the data that are reporting negative information including accounts, notations, inquiries, transaction history, and balance information have not handled this matter properly, there have been multiple FCRA violations and the fact that Early Warning does not allow individuals to freeze their consumer report has caused fraudulent and inaccurate to be reported to my consumer report without me having any remedy or way to control what is reported under my name and social security number. Earlier last year, Early Warning sent me correspondence that they would be deleting all the fraudulent and inaccurate information I had disputed. I had thought this disputes process was finally over and Early Warning provided me with the proper resolution that I asked for in this ongoing matter.Fast forward several months later, and very recently, I decided to open depository accounts with a financial institution that I love, only to find out two days later that they had restricted my accounts due to information provided by a consumer reporting agency, which happened to be Early Warning. I was shocked and confused as to why since I had thought all the information I had disputed was deleted and updated on my consumer report. After requesting my Early Warning report and thoroughly reviewing the contents of my consumer report, I came to realize that the furnishers of the data continued to report information to Early Warning, information that includes accounts, inquiries, return transactions, balance information, account notations, etc. all of which do not belong to me, are inaccurate, fraudulent, AND information which should have been deleted several months ago. This means the furnishers of the data that provided fraudulent information to Early Warning under my name and social security number reinserted information without my knowledge or consent, never sent me any correspondence notifying me of such actions, and it has continued to affect me and my financial reputation and I had no idea until a financial institution told me they were restricting my accounts with them. This a a clear FCRA violation, and something I did not even have a chance to fight back since I had no knowledge of the reinsertion. The personal information these data furnishers have on me are incorrect and inaccurate, the notations of return transactions are completely fraudulent. How can there be an overdraft or returned item on a depository account with a financial institution that I have never had an account with. XXXX XXXX XXXX lists one of the accounts as checking account fraud, which is ridiculous. I have NEVER EVER had an account with XXXX XXXX XXXX. No depository accounts, no credit cards, no loans, absolutely nothing. There is another account listed as closed for cause, however, the same concept applies. I have never had any banking relationship with XXXX XXXX XXXX, so there should be nothing under my and social security number. The addresses under these accounts is wrong, the dates of account opening are all over the place. Then there is a account reporting negatively as closed for cause. I have had a banking relationship with XXXX XXXX. Why is there a checking account showing under my name and social security number? These accounts need to be deleted immediately. I will not continue going back and forth with Early Warning, and hope they do their job and make the banks delete these fraudulent accounts and information that should've never been associated with my name and social security number. There are also inquiries listed on my consumer report that do not belong to me as I have never applied for or initiated depository or another accounts with XXXX XXXX or XXXX XXXX XXXX. I have being punished severely for something that I did not do and its causing huge issues with my finances. I need this situation to be taken care of ASAP and for all this fraudulent information to be removed from my Early Warning report. Outside of my accounts with XXXX XXXX, XXXX, and XXXX, and my recent inquiry into XXXX XXXX, there should be absolutely no other accounts, inquiries, return transactions, notations, or balance information listed on my Early Warning report. There have been multiple FCRA violations throughout my dispute processes with both the furnishers of the inaccurate information ( XXXX XXXX XXXX, XXXX XXXX, XXXX ) and Early Warning for not following proper investigation procedures, non-responses, etc.
03/22/2018 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • TX
  • 77086
Web Servicemember
On XX/XX/XXXX at XXXX XXXX my sister ( an XXXX XXXX Account holder ) sent me {$100.00} USD via XXXX XXXX XXXX website using the " XXXX XXXX XXXX XXXX '' feature. I received both an XXXX message and an email stating that the funds were sent to me. I have used XXXX in the past and usually receive payment within 1-3 days. After 12 days I became concern since I am also an XXXX XXXX account holder and it seemed strange to me that it would take longer than a few days to transfer money from one XXXX account to another XXXX account. I called XXXX on XX/XX/XXXX, XXXX XXXX in regards to the missing funds. I was told by an XXXX representative that it could take up 14 days for the funds to transfer and that she couldn't help me unless I had my sister on a conference call so that she could look up both of our accounts. She also stated that I should call XXXX for more information. On XX/XX/XXXX at XXXX XXXX I called XXXX in regards to the missing funds. I was told by their representative that the funds was completed on XX/XX/XXXX. The representative did mention that I had two XXXX accounts, one with the stand alone XXXX XXXX, and another with XXXX XXXX. I was told that the funds were sent to the XXXX XXXX which was tied to an XXXX debit card. To prevent any future confusion he stated that he would deactivate the stand alone XXXX account and the only account I would have active would be the one with my XXXX account. I informed the representative that the debit card I had attached to the XXXX XXXX was canceled in XX/XX/XXXX. The representative said that if the card was cancelled then XXXX would have the funds and I would need to call them. On XX/XX/XXXX at XXXX XXXX I called XXXX on a conference call with my sister. The XXXX representative was able to look up both my sister and my account and confirm that the money had been removed from my sisters account, and never refunded. She also verified that my account had never received the funds. I informed the agent that XXXX stated the funds went to an XXXX debit card that had been cancelled. The XXXX representative stated, that the payment would have automatically declined and the funds would have been rejected and refunded back to the original sender. The representative stated that it could take up to 14 days and so I should wait 14 days for the funds to be refunded. On XX/XX/XXXX my sister called XXXX in regards to the missing funds. She was told they had sent me the funds and to check with me. I did not receive the funds. On XX/XX/XXXX at XXXX XXXX I called XXXX in regards to the missing funds. The XXXX representative confirmed that the funds had never been sent to me but could not help me any further unless I had my sister on a conference call so that she could look up her information. On XX/XX/XXXX at XXXX XXXX I called XXXX on a conference call with my sister. I spoke with a supervisor for XXXX name XXXX, who was able to look up both my sister and my account and confirm that the money had been removed from my sisters account, and never refunded. She also verified that my account had never received the funds. XXXX then informed me that the funds had been sent to a non XXXX account and that I would have to speak to my other bank. I informed XXXX that I had no other bank and that the other XXXX account she was referring to was sent to an XXXX debit card that had been canceled in XX/XX/XXXX. I requested that we conference in XXXX so that she could confirm for herself. On XX/XX/XXXX at XXXX I called XXXX XXXX a conference call with my sister and Ally representative XXXX XXXX We spoke with Consumer Fraud Specialist, XXXX. XXXX informed us that the XXXX payment was completed on XX/XX/XXXX and sent to an XXXX debit card ending in XXXX. XXXX looked up the account history my previous debit card ending in XXXX and informed XXXX that she had no history to that card since it was cancelled back in XX/XX/XXXX. Both XXXX and XXXX stated that they would escalate the matter within their respective companies and would get back with me in 3 to 5 business days. On XX/XX/XXXX at XXXX XXXX I called XXXX and spoke with XXXX representative XXXX. XXXX stated that XXXX was out of the office but that he would look into the matter and would call back as soon as they had an answer. On XX/XX/XXXX at XXXX XXXX I called XXXX and spoke with XXXX representative XXXX at the XXXX Contact center. He informed me that XXXX had sent me a letter via US mail and to check my mail. I asked him what it was and while he did not go into specifics he did mention that more than likely I would have to speak to my other bank which would have receive the funds. I informed XXXX that I did not have any other bank and that he was probably referring to the fact that the transfer got sent to a separate XXXX account that was not tied to my XXXX account number, but rather an old XXXX debit card. He stated that he would make a note and my file and would inform the person investigating my account. It has been 48 days since my sister initiated payment to me. I have not received the funds nor has my sister been refunded. I would like this matter resolved immediately.
01/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • TX
  • 75243
Web
I am formally contesting the following information shown on my consumer report : XXXX XXXX XXXX XXXX XXXX has stated that accounts open on XX/XX/2022, were Closed for Cause. All accounts were closed on Friday, XX/XX/2022. All actions on my part were handled in a manner consistent with bank policy. The relevant information stated in the consumer report is false. XXXX XXXX XXXX XXXX XXXX has stated that accounts open on Wednesday, XX/XX/2022, were Closed for Cause. All accounts were closed on Friday, XX/XX/2022. Any and all actions on my part were handled in a manner consistent with bank policy. The relevant information stated in the consumer report is false. XXXX ) The apparent incident that precipitated the closure of all accounts allegedly took place on Monday, XX/XX/2022, and was deemed Checking Account Fraud. a. The following actions constitute checking account fraud : Transacting or attempting to transact, with an Account in a fraudulent manner, including, but not limited to, the passing of forged, altered, closed account, or stolen checks, or kiting ( including drawing on : ( a ) a counterfeit or insufficient check deposit ; ( b ) an empty ATM envelope deposit ; ( c ) non-negotiable items ; and/or ( d ) willful misrepresentation of the transaction amount. None of the aforementioned actions took place and XXXX XXXX XXXX has never clarified what constituted the action done on my part that is considered fraud. The relevant information stated in the consumer report is false. b. On numerous occasions XXXX XXXX XXXX has stated accounts were closed due to business decisions and not for fraud or other cause on my part. c. The alleged incident of fraud took place the following Monday the accounts were closed, therefore it can not be the reason for account closure. The fraud is unsubstantiated. The following events are what occurred and can be corroborated by emails received from XXXX XXXX XXXX : - On XX/XX/2022, I applied for a XXXX XXXX XXXX XXXX XXXX XXXX checking account ( Account Number : XXXX ), and a XXXX XXXX XXXX XXXX Savings account ( Account Number : XXXX ). To open the accounts, a minimum of {$100.00} per account was required and was transferred directly from my bank account with XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) in XXXX, NM. - On XX/XX/2022, XXXX XXXX XXXX ( referred to as XXXX XXXX XXXX approved my application and opened the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX ( Account # : XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX ( Account # : XXXX ). - On the morning of Wednesday, XX/XX/2022, I made 2 transfers of {$5000.00} ( total of {$10000.00} ) to my XXXX savings account. This was not done in a manner inconsistent with bank policy. All the money can be directly traced to my bank account with XXXX. This was done so that the XXXX XXXX monthly service fee would be waived. According to The XXXX XXXX XXXX XXXX XXXX XXXX Clarity Statement the following statement is true : You can avoid the Monthly Maintenance Fee when you maintain combined balances of {$10000.00} or more each statement cycle. - On the evening of Wednesday, XX/XX/2022, my domestic partner and I visited the XXXX located at XXXX XXXX XXXX XXXX, XXXX Tx, XXXX and opened a joint a XXXX XXXX XXXX XXXX XXXX XXXX checking ( Account # XXXX ), and a XXXX XXXX XXXX XXXX Savings ( Account # XXXX ). An employee of XXXX assisted us with this and assured us all actions were consistent with bank policy. - On XX/XX/2022, all of the aforementioned accounts were closed by XXXX. My partner and I called XXXX. XXXX insisted our accounts were closed due to business decisions and could not further elaborate. - On XX/XX/2022, upon receiving my consumer report from Early Warning, I called XXXX to confirm that my accounts were closed due to business decisions and not due to fraud. They assured me this was the case and that there was no indication that their system indicated any fraud was committed. I spoke with numerous employees over the phone including XXXX XXXX, XXXX in the risk department, her supervisor, XXXX, XXXX supervisor, XXXX, and XXXX supervisor, XXXX. Although I can not provide further information regarding the call, they all restated the same reason for my account closure as a business decision. After filing a dispute with Early Warning, they responded and said everything was accurate based on an investigation conducted by XXXX. I called Early Warning to obtain the reasoning for their decision and they stated that they did not conduct the investigation and simply took XXXX 's word for it and did not obtain poof or documentation. I then called XXXX and they, again, stated that they could not provide any information to me about the status of my account and restated that my accounts were closed for business decisions. I obtained another consumer report from XXXX that also had inaccurate information and stated my credit score was XXXX, directly affected by information in my consumer report. Prior to doing business with XXXX, my credit score was XXXX.
10/28/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • OR
  • 97202
Web
I was contacted via text from a number identifying as XXXX XXXX with a fraudulent activity text, and i have received them before so I didn't even consider that it could be fraudulent ; it asked if I authorized a Zelle transfer yes/no and i replied no. I immediately received a phone call from XXXX ( this according to my debit card is actually XXXX 's fraud department number ) so I answered it and the agent identified himself as a member of the XXXX fraud department and that he was there to help me recover my funds and file a fraud complaint. At no time did he sound like someone that was not part of the fraud team at XXXX, with whom I have spoken with before. He told me that he had placed a hold on the accounts so that they could no longer be used, and that I should not log in to my laptop during this process. He then had me log into my first XXXX account, my business account, and then to receive a text with a code that I could use to verify my identity, the same way I always have to with XXXX, via XXXX text. Its an 8-digit code, and came from the same text thread ( XXXX ) that every other 8-digit log in code has always come from with XXXX 's two-factor ( the previous text in that thread was from XX/XX/XXXX, and also was legit from XXXX so I had no reason to suspect that this wasnt real. ) From there he said he was helping me to reverse the charges that Zelle has scheduled by setting up an account with my own name, and then clicking on that named account to then transfer myself $ XXXX as a refund from Zelle, a third party app. He said that fraudulent activity had happened across all of my bank accounts, and that an investigation had been opened to find out how someone had gained access to all my accounts at once. He assured me that this was standard and that I needed to then go to the next account that had the fraudulent activity on it and transfer another $ XXXX to an account set up for myself with my own name via Zelle. I did this on XX/XX/XXXX according to his instructions to refund myself my stolen money, and when one of the accounts didnt have the full $ XXXX in it, it pulled another {$2000.00} from my savings account to cover the remainder of the $ XXXX. This was confusing to me but I was agitated and scared, and never had any reason not to trust XXXX bank employees, and I followed his instructions. I followed this same process in my business accounts as well, after receiving more text messages from XXXX with codes to verify identity. My business checking account on XX/XX/XXXX for $ XXXX and then again for {$2400.00}. He told me that in order to get the rest of the $ XXXX back that the second transaction couldnt cover ( it was only {$2400.00} ) I would have to talk to him again tomorrow to recover that. He set a time to call me at XXXX the next day, and we hung up. At no point was I anything more than agitated and scared, as he assured me that XXXX is FDIC insured but that Zelle was a 3rd party app that was not transparent in its " back end '' and thus this was the only way to receive a refund from Zelle. And that there was a $ XXXX limit per account each day on any transactions in any direction, and thus we had to speak the next day to complete the process. When he called me on XX/XX/XXXX, we went through the same process again, for two accounts one for $ XXXX and one for {$2400.00}. He said that once again there was more fraudulent activity being shown, that someone had scheduled another Zelle payment for $ XXXX and that they needed to call me back again the next day, since once again we had crossed the $ XXXX limit for the day. For some reason I agreed to this, still not suspicious, just confused about the opaqueness of Zelle and why it was such a confusing and convoluted process to get the payments reversed. He said that Zelle 's policy was that they did not reverse payments ever, and thus this is the only way to get your money refunded. This made no sense, but still fearful of losing all my money, I continued. He called me back at the appointed time on XX/XX/XXXX and we " reversed '' the $ XXXX charges again to my own named account on both my savings account and my business checking account. He said that two more fraudulent charges were scheduled to come out of my accounts again today and we had reached the limit ( I saw this limit come up on my phone ) and thus had to try again tomorrow. He scheduled to call me back again Thursday morning. Only then did I realize that something about this was very wrong, and felt sick to my stomach. I have spent days on the phone with XXXX, with Zelle, and no one will help me with this. Both XXXX and Zelle are refusing to even investigate this. I have a police report ( Case # XXXX with Officer XXXX badge # XXXX filed on XX/XX/XXXX at XXXX. I filed a Internet C3 complaint with the FBI on XX/XX/XXXX at XXXX. I have called and written to every Oregon news outlet, filed complaints with the XXXX and the OR DOJ, as no one from XXXX or Zelle will help me recover these funds.
05/08/2020 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • FL
  • 33056
Web
This account was opened without my permission. I have made several attempts to have this information removed from my EWS report, but to no avail. I have made several attempts to rectify this situation. I have attached all of the correspondence sent below. ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
04/28/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 93619
Web Older American
The following is a description of the events and information leading up to my XX/XX/XXXX request of Zelle to investigate quickly XXXX, its owner and its activity on the Zelle system and the Zelle account receiving funds from my XXXX XXXX account on XX/XX/XXXX. On XX/XX/XXXX at approximately XXXX XXXX PT, I received a call on my mobile phone, XXXX which was listed in documents at the XXXX XXXX XXXXXXXX XXXX XXXX ) showing my telephone number and relationship to my son, a XXXX XXXX, from someone claiming to be a police officer from the XXXX Police. That person claimed that my son had been arrested and was currently held in XXXX in a police car pending transport to being booked and having a record for possession of XXXX XXXX XXXX XXXX and XXXX, which carried both felony and misdemeanor charges. However he was calling to tell me of a program that the police and the University had involving community service in a diversion program and not part of the to being porcessed ain the judicial system, a diversion program for alternate resolution of infractions of law than charging students and having them with arrest and processing records. However I needed to pay for this program and for bonds that were to be provided a total of {$2500.00} with {$1000.00} for the program and {$1500.00} to the bondsman for bonding the student. Both my wife, who was extremely agitated by this call, and I listened as two different people spoke about the situation with one of them called " Captain '' and the other called " Lieutenant ''. Finally in desperation and with much anxiety I sent via Zelle, {$1000.00} for participation in this supposed program from our XXXX XXXX account which has Zelle added as a money transfer service to a Zelle account at XXXX. After making the Zelle money transfer, my wife took my mobile phone and I went into another room to make a call on another phone to the XXXX XXXX XXXX Police department to ask if the person calling himself Captain was in that department. The officer answering my call to XXXX, the same number as displayed on my mobile phone, indicated that they had no such person in their department. I immediately went into the next room where my wife was processing the second payment and told her to stop and took the phone and asked the individual for his telephone number and I would call him back. He hung up. If only we had the presence of mind to not be agitated and gullible upon receiving this very disturbing telephone call late at night we would not have sent {$1000.00} to XXXX. After that call I informed XXXX XXXX of the transfer and they established a case # XXXX XXXX XXXX. The next day after calling the bank to learn what had been done in the early hours since the money transfer through the Zelle system to thwart this scam form being successful, I was told to wait 7-10 business days for a response which I interpreted as quite negative thinking that the trail of where our money went could grow cold in that time as the account the money had been sent to could have been closed and the records expunged from the Zelle system XXXX Then I called Zelle and worked around their telephone tree to actually reach a person who almost agreed to help me find out something more about XXXX, e.g., did that account still exist some XXXX hours after I sent {$1000.00} to it and to whom did it belong, but ultimately the Zelle customer service employee would only forward my call back to XXXX XXXX, Zelle 's customer and member bank with the same interests in pursuing their business relationship which may not align with my current need to recover {$1000.00} wrongfully extorted from us on XX/XX/XXXX in the late evening hours through use of the Zelle system. At this time I am waiting on XXXX XXXX 's response and writing this description of events with hopes that CFPB may be able to assist in accessing the account information from Zelle related to XXXX. I may be able to provide additional details with more time but this is largely the scam described as I know it. As a classification matter using this CFPB format, I am uncertain that the category/description ( wallet ) selected is exactly corresponding to the terms used by the CFPB in this process. However, I am certain that the non-response was from Zelle, the entity providing the mechanisms for transferring funds from a source to a destination. Zelle provides the mechanism for transferring funds and I understand does not store any funds. The source of funds is a XXXX XXXX XXXX account, and the destination, XXXX, is/was a Zelle traceable entity receiving funds wrongfully obtained. Why would Zelle not choose to vigorously pursue fraudsters improperly using their system when contacted by those who have been defrauded? Given Zelle 's current position vis a vis this defrauded XXXX XXXX XXXX customer, why would XXXX XXXX not expeditiously pursue resolving this fraud involving its business functions as a repository and source of funds for its customers? Thank you.
02/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33021
Web
To Whom It My Concern : Notice to all, I am that I am, the Consumer in fact, natural person, Original Creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name [ XXXX, XXXX ] and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a/ XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, the Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached, so be it ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will endure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of all alleged information listed on your site in order to avoid me receiving further injuries, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that EarlyWarning is in violation of Title 15 U.S. Code 1681g ( a ) ( 1 ) . Your company has yet to share all information from YOUR OFFICE with me verifying the adverse reporting information. Stating that you contacted the alleged furnisher will not suffice. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that EarlyWarning is in violation of Title 15 U.S. Code 1681c ( a ) ( 5 ). Your company is not authorized to report any adverse information other than convictions of crimes. No crime was committed on my part and if a crime by chance has been committed, no charges or convictions have been placed on me, the Consumer. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that EarlyWarning is in violation of Title 15 U.S. Code 1681b ( a ) ( 2 ). Your company is not authorized to report any information without my written consent or instructions. If you do have access to any instructions, I have written your company. Please provide them to me as proof of your authorization to report any information including adverse information. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that EarlyWarning is in violation of Title 15 U.S. Code 1681s-2. It is the duty of the furnisher to provide correct information. How do you know the information is correct? Who did you speak to? How did you communicate with the furnisher? Did you call? Email? Please provide your method of communication and verification. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that EarlyWarning is in violation of Title 15 U.S. Code 1681L. When your company provide a investigative consumer report, you may not report any adverse information other than information that is a matter of public record. My personal and private information from the furnisher XXXX XXXX XXXXXXXX is not a matter of public record. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that EarlyWarning is in violation of Title 15 U.S. Code 1681d ( d ) ( 4 ). Your company can not produce a consumer report with adverse information received from an associate or acquaintance of the Consumer. Is the bank not an associate of the Consumer? Your company is communication with an associate of me, the Consumer, to obtain adverse information and reporting it on my consumer report. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that EarlyWarning is in violation of the FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that EarlyWarning is in violation of the FCRA Section 611 ( 5 ) ( A ). You are required to promptly DELETE all information which can not be verified. Thank you, I swear to all the information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do require subrogation of the bond to settle the charge.
11/14/2020 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • AZ
  • 85298
Web
I was on XXXX on XX/XX/XXXX, watching for updates on the release of the XXXX. On one thread, I saw a XXXX selling a XXXX XXXX edition for XXXX dollars. I have full. On XXXX I said I was interested, and he said he wanted to talk on XXXX, " to be sure '', so I messaged him XXXX XXXX. He said he was a XXXX XXXX, had a long page on XXXX and XXXX for his supposed business, which neither had been updated since XX/XX/XXXX. We verified it was each other by messaging, he asked where I was at. I told him and that I would even pay for shipping. In retrospect should have asked why he wasn't charging me for that. Besides the point. He said he was in XXXX XXXX, NV, so shipping would be the optimal choice for a transaction. At this point, he sent proof of having the XXXX by sending pictures of the box and wrote his XXXX handle on a piece of paper and put it in front of the XXXX. I asked why he would have gotten one just to sell it, and he gave this story about how he got it for his son months ago but his son wanted a XXXX XXXX instead, so he " was left with no choice than to sell ''. He asked for my name and address for shipping, which I gave to him. He said he would send the tracking number once he confirmed the payment and could process shipping. He wanted me to pay him on XXXX, to a XXXX XXXX. In the end we could not use XXXX because I was not set up on it so I had to be verified first. He followed up semi-frequently to check on how I was doing verifying, and I said we could use a different app. I said I have used XXXX and XXXX, both with buyer security, and he wanted to use XXXX, which I had with my bank but had never used before. He gave me contact info for a XXXX XXXX XXXX, XXXX, to send the money to for XXXX. It was not set up with XXXX, so he changed it again and told me I could send the money to his friend on XXXX instead. He kept asking for screenshots as well, of the receipts of transfer when I was done. That was when he gave me the info for XXXX XXXX. I sent the money, unaware of the lack of assistance XXXX provides. He started texting a lot, and I was doubting and he said I could trust him. Some dad, running a small business, just trying to recoup money on a console. Seemed fine. Afterwards, he minimized his messages to me. I asked why a screenshot he sent me showed XXXX, when it was XXXX where I was and he claimed to be in XXXX XXXX. Said his phone was set to that time because he is from XXXX. I later learn that is because he is likely in the XXXX area, which matched with the time zone difference, unlike XXXX XXXX. But at this point the money had been sent, so all I could do was wait and inquire. Here I got bored, and so I started looking into his XXXX, when I discovered he was still XXXX to people that he was selling a XXXX, so I started asking questions. He said he was posting for a friend, and because he has a business he could be trusted and had sources. None of these were ever provided. He said my questions were getting to be a little much and he would get that tracking number to me first thing in the morning. I thanked him and reminded him it was understandable to be anxious when moving that amount of money to a source online. All of these thoughts only came to me after the rush of obtaining what I was led to believe would be my own XXXX. I messaged in the morning, to which he delayed until 2. Understandable, but I was done waiting. I emailed XXXX XXXX asking for my money. I left it alone at first, because he said was just a vendor who passed the money. I later returned, but he never would give me any contact info, saying he just converted it to a bitcoin currency. At this, I got a text on XXXX asking why I reached out to the XXXX contact. I started responding and he said he was driving so this would have to wait. Nothing back for hours. I eventually reached out again, annoyed at the lack of consideration for not sharing the tracking number at this point. I asked for him to return my money or give me a tracking number, either way he wouldn't have to hear from me again. He would see my messages, but never reply from then on. I then messaged him thanking him for blocking me on XXXX so I could know his real intentions and for the life experience, and I was immediately blocked on XXXX. I could not find further evidence of this business, and did report it on XXXX for being fraudulent and a fake cover for these interactions. And then I ended up submitting it here at a friend 's suggestion. Please feel free to reach out if you need any further information. I unfortunately did all of this without ever even getting a name for this guy. I made a lot of mistakes here. I called XXXX early on for assistance and they said talk to the bank, the bank said the money is gone and you need to talk to XXXX, so I was left with no other alternative. Thank you for your consideration.
04/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • DC
  • 20001
Web
I have made several attempts to rectify this situation. I have attached all of the correspondence sent below. ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
04/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32909
Web
I have made several attempts to rectify this situation. I have attached all of the correspondence sent below. ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
02/26/2020 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • AL
  • 35216
Web
I have made several attempts to rectify this situation. I have attached all of the correspondence sent below. ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
12/20/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • DC
  • 20010
Web
I was at home Sunday afternoon ( XX/XX/22 ) at XXXX XXXX and got a call on my XXXX from my Dad ( his caller ID and photo on my phone came up the same way it always does ). When I answered I heard his voice and he was in distress and sounded like he was being beaten up. Then a man ( American accent ) came on the phone and told me Shorty, if you ever want to see your Dad again youre going to do what I say. Im going to XXXX XXXX XXXX XXXX XXXX. He told me he had a XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unless I did what he told me to do. At this point I was terrified and thought my dad had been jumped by someone. I OF COURSE complied with everything they told me to do because I heard my Dads voice and it was coming from his cell phone and all I could picture was someone with a XXXX XXXX XXXX XXXX. The man was very angry and mean and pushy and kept telling me to pay him money via XXXX XXXX or Zelle immediately. He was demanding {$1000.00}. I couldnt think, I was shaking, I was so scared, and just kept pleading with him not to XXXX XXXX XXXX XXXX XXXX. He first asked me to pay him via XXXX XXXX, but I do not have this. I then said I have XXXX, but he did not want me to use that. He then asked me if I had Zelle and I remembered that Zelle was in my XXXX XXXX. I went in Zelle and he gave me phone number to send the money to ( XXXX ). I initially tried to send him {$1000.00}, but it told me my limit to send to a new recipient was {$500.00}, so that is what I sent. When I sent the payment it came up as someone named XXXX. He confirmed that that was the correct account to send it to and I " authorized '' the payment against my will under the direct threat of XXXX to my father. He started yelling and telling me it did not go through, so then he gave me another number to send another {$500.00} to ( XXXX ). This number was associated with the name XXXX and he confirmed that this was the correct name. I then once again " authorized '' the payment to go through against my will. It went through this time. During this whole time, every hesitation I had or pause he would scream and threaten my XXXX. [ Of note, the transaction numbers for the XXXX transactions on XXXX Zelle were XXXX -- the " XXXX '' transaction -- and XXXX -- the " XXXX '' transaction. Luckily somehow the XXXX one did not go through and was cancelled, so I only ended up losing {$500.00} instead of {$1000.00}. ] Luckily boyfriend was with me and when I first got the call he immediately called XXXX. He then called my Mom who was out of town, but had my XXXX 's location showing that he was at home where he lives in Ohio. My boyfriend then called my brother who he knew was also at home in Ohio ( while I was still on the phone with these criminals ) and was able to find out that my XXXX was home and safe and had his phone with him. I immediately hung up with the scammers, but the money was gone. I then found out that I was the victim of an advanced scam where they called me somehow from " my XXXX 's '' phone and likely used voice cloning to emulate his voice and make him sound in distress. Im so glad my XXXX was actually okay ( I broke down in tears when I found out ). I then immediately called XXXX, but they said they could not help me recover the money because I " authorized '' the payment -- despite the fact that it was stolen from me forcefully under direct threat of XXXX XXXX XXXX XXXX. XXXX told me that Zelle is a third-party company that has nothing to do with them, so they can not reimburse the money, and told me to call Zelle. I then called Zelle who a ) repeated that I " willingly authorized '' the payment ( despite the threat of someone shooting my Dad in the head if I did not send it ), and then also told me that they have no ability to see the transaction or figure out where it went and they could not help me recover the money. They also told me that XXXX 's Zelle is different from the Zelle app, and they can not help me with anything related to XXXX 's version of Zelle. They told me I had to call XXXX back and ask to speak to someone in the " Zelle Department. '' I then called XXXX back and they told me that no such thing exists, that their customer service dept is what deals with Zelle. I then had to call Zelle back again and I made them call XXXX with me on the line to realize that both were pointing fingers at each other. There is no responsibility for Zelle from the company itself or from the banks that use it. This allows criminals to get away with these heinous crimes. I then told them I did not even realize when I signed up for XXXX that I had Zelle -- it was not something I wanted to have, but I am forced to because it's on their app automatically. Therefore, I will be finding a bank with no affiliation with Zelle. This should be illegal!
08/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30016
Web
XX/XX/XXXX In XXXX & XXXX I submitted a written request for XXXX XXXX XXXX XXXX to remove negative information from my credit report. XXXX XXXX XXXX XXXX agreed to remove this information in a contract with me in XXXX. Failure to honor this contract is considered wire fraud and breech of contract. It is now XX/XX/XXXX and XXXX XXXX XXXX XXXX has failed to respond to my request. Accordingly they are now in violation of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies by failing to provide notice within the time identified in the statute as described in section 603 ( p ). I respectfully request the CFPB to intervene and facilitate this complaint with an acceptable outcome outside of the court process. I have gotten copies of my credit report from Early Warning Services, XXXX, XXXX & XXXX and noticed that an account I had with XXXX XXXX XXXX was on all of them.! I never authorized nor gave written, unwritten verbal and nonverbal communications to any of the 3 companies per 15 USC 6802. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions Per 15 U.S. Code 1681a- ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] 15 U.S. Code 1666a & 15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of { {$1.00} } is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. XXXX XXXX XXXX - {$87.00} No Account Number listed. XXXX XXXX
01/15/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CO
  • 80203
Web
On XX/XX/21, I received a phone call from caller ID : XXXX XXXX Customer Service. A man claiming to be an employee of XXXX XXXX informed me that there appeared to be fraudulent activity on my account. He asked if I had made a purchase in Georgia for {$1000.00} - I told him no. He asked if I made a purchase in Oregon for {$3000.00} - I told him no. He confirmed that there was fraudulent activity going on and asked me to open up my XXXX XXXX app and look at the last several transactions. He asked if I saw a couple amounts of less than {$1.00} and if I had authorized these. I indeed saw the ~ {$0.00} and ~ {$0.00} payments from unknown sources and let him know I didn't authorize these. I also saw a {$24.00} transaction that I wasn't sure if I recognized. I later found out that this was made to XXXX, although I didn't know it at the time. He then confirmed that my account was under attack but there was a way to get the money back. He proceeded to tell me to open the Zelle app right there at the bottom of my XXXX XXXX app. I had never heard or even seen this button before. He began to explain that they way " these perpetrators '' get my money is through this app. He guides me in how to set up an account for myself. At some point during this process, he let me know that a XXXX Zelle account had been the account that tried to take my money, so he needed to cancel that. He let me know that a text message would come in with a confirmation code that I needed to read to him - I did so without reading the entire text. I later found out that this text was a XXXX Zelle account set up message, and the confirmation code was to set up my account. He proceeded to walk me through how to add myself as a recipient through the Zelle app. I simply added MY name and MY telephone number. He made sure to advise me to enter my phone number and NOT my email address. Once the account was set up, I was instructed to send MYSELF {$1000.00} " to reverse the previous transactions. '' I did so, and I let him know that the transaction was complete. Through this process, I believe I gave him 1-2 more confirmation codes from my phone that came through as text messages, that I will provide. This started to concern me when I was that the {$1000.00} I had just " sent to myself '' was now missing out of my checking account balance ... .I began to worry that I was being scammed. As he was talking, I looked up the phone number this man was calling from. XXXX confirmed that it was the XXXX XXXX customer service number, so I began to relax again. He then tried to get me to reverse the other alleged {$3000.00} but my account limit had been reached ( thankfully ). I tried asking this man to explain this process to me because it wasn't making sense. He let me know that " everything is looking good and is under control '' but that I would need to call back in 24 hours to have the rest of the money transferred back. I asked if I could get a confirmation code, and he told me there was no need to worry because everything was looking good and was under control. I asked if I could go to the bank to finish the rest of this because it was starting to not make sense to me. That's when the man told me to absolutely not go to the bank. When I questioned him, he quickly made an excuse and hung up. I immediately rushed to my nearest XXXX XXXX and explained what happened. I asked if the Zelle transaction could be reversed and was told no, since it was an authorized transaction. I filed and claim, and the bank employee agreed that he had never heard of a scam like this. He also confirmed that the number was their customer service number. I asked him where the Zelle XXXX had been transferred to, and it looked like XXXX XXXX ( myself ) had been the recipient. I then asked him how I access that money, and he wasn't sure. The bank employee also warned me that he was now concerned that this scammer either had or was trying to access my credit. He explained that the {$24.00} charge was to XXXX, which I was previously unaware of. Immediately after leaving XXXX XXXX on XX/XX/21, I went to the nearest XXXX XXXX branch. The employee could not find a XXXX account under my name or information. She could also not provide any information on a XXXX Zelle account for me. I did call XXXX later. They identified 3 separate names of individuals I did not know, all of whom were linked with my old debit card number. All accounts were not currently added, so XXXX was able to drop the {$24.00} charge. They could not give me any further information on who contacted them with my bank number. I have attempted to call Zelle with no success in reaching a customer service representative. I have yet to discover the Zelle XXXX account under my name.
07/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 349XX
Web
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : REQUEST LETTER TO REMOVE INACCURATE INFORMATION Please accept this formal letter as my first request to investigate and remove derogatory accounts/items from my consumer report. Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which | dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 U.S.C. 1681a ( f ), you are governed by the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file. The FCRA states that it's the consumer reporting agency 's responsibility to ensure that all information contained within consumer files is accurate and free from errors. Your company is regularly engaged in the business of assembling, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S.C. 1681a ( d ), to third parties. According to rederal law. vou are required to comply with the requirements imposed under the CRA. 15 U.S.C. 1681 et seq., including but not limited to : 1 ) follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( breaking down the requirements of 1681e ( b ). and explaining that " assure ' means 'to make sure or certain : put beyond all doubt. '' *Im ] aximum ' means the greatest in quantity or highest degree attainable [. ] and 'possible ' means something 'falling within the bounds of what may be done, occur or be conceived. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. comply with the investigation requirements, as required by 15 U.S.C. 1681i ; 2. should not provide consumer file to companies without determining that these companies had a permissible purpose to obtain consumer file pursuant to 15 U.S.C. 1681b ; 3. provide consumer file pursuant to 15 U.S.C. 1681g ; o et sea Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing mv wet ink sianature on it vou have on file of accounts/items listed below. Under the FRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from mv consumer report. See. exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the accounts/items I am disputing. as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33431
Web
Hello, My name is XXXX XXXX and XXXX XXXX XXXX has illegally supplied incorrect information to Early Warning Services about my account. Below is my legal team that will be filing the civil suit. Currently there is XXXX in damages as of today from your false reporting from XXXX XXXX XXXX account. Every day the information is falsely reported to my new bank we will hold Early Warning and XXXX XXXX XXXX accountable in larger damage amounts. Calls were recorded prior with your reps by our legal team admitting the record should be removed and was not reported legally. XXXX XXXX XXXX Attorney at Law XXXX, XXXX. Illinois Office : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX Florida Office : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX Direct Dial : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX ( XXXX ) Facsimile : ( XXXX ) XXXX E-Mail : XXXX Web : XXXX Sent from my XXXX Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/2019 at XXXX XXXX EDT To XXXX Subject : Account : XXXX Dear Early Warnings, I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file EWS maintains under my Social Security number. I called in to resolve this and explain the circumstances. My checks were canceled due to them missing from my car along with my debut card. No checks were cashed and no money was missing from my XXXX XXXX XXXX account nor was their any fraudulent activity. I do not owe XXXX XXXX XXXX and money in fact they owe me money. You are falsely reporting information without any proof and XXXX XXXX XXXX has admitted that there is no bad debt with their company nor any wrongdoing on my end. I will not engage in your process I will file lawsuit and sue your company for XXXX XXXX USD in damages due to the account at XXXX being frozen over your reporting with XXXX XXXX USD in it. Every day my account is blocked due to your reporting I will hold Early warnings responsible for damages to my clients funds traded in the market. I am not just contacting you to evolve in a frivolous dispute for you to validate this claim. I am contacting you because you are in violation of many banking regulations and Federal Credit Reporting Act consumer laws : XXXX XXXX XXXX Sec. 3403. Confidentiality of financial records ( a ) Release of records by financial institutions prohibited ( B ) Release of records upon certification of compliance with chapter Sec. 3410. Customer challenges ( all as such ) Sec. 3412. Use of information ( all as such ) EWS-participating as consumer reporting agency [ ( p ) The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumer 's credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ] 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. A credit report includes information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy. My Report was not sent in the timeframe by law and still has not been received. I made a phone call to get the following information from your support and found the information supplied is illegally supplied to early warnings and also is incorrect. Currently my bank is withholding XXXX XXXX USD and in damages this will be a XXXX XXXX dollar lawsuit due to the funds as it is market trading funds. This is slander and violation of my rights. XXXX XXXX XXXX, and XXXX XXXX will be filing a lawsuit on Monday afternoon if this is not responded to and removed as you are causing my banking with other banks to be effected from false reporting. Contributing Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. I have searched far and wide through my documentation with no findings or evidence of any fraudulent transaction XXXX XXXX XXXX that occurred and their is nothing you should be reporting and no fraud committed. What also disturbs me is that when this account was submitted to my attorney on Friday after checking XXXX XXXX XXXX owes me {$51.00}.
06/22/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • MO
  • 65804
Web
On XX/XX/2022, I listed a TV for sale on XXXX XXXX. A woman messaged me on XXXX telling me she would like to purchase the TV. We set up a meeting spot, and then I proceeded to ask her how she would like to pay. She said she would like to use Zelle. The woman claimed to have sent me the {$170.00} payment for the TV. I did not receive any money. I got an email in my spam inbox stating, " Dear customer, Unfortunately, we encountered a little problem while crediting your account with {$170.00} USD today because this amount seems to be above your balance limit. Why do I need to expand my account? We place initial limits on all accounts to increase the security precaution and help prevent any fraudulent activities. Take these urgent steps to expand your limits and receive unlimited money. How do I expand my account- Action needed. ContacXXXX XXXX XXXX to send an additional payment of {$200.00} for your account to be fully expanded. Soon as this is done we will credit the total sum of {$370.00} USD with a free compensation fee of {$50.00} for the inconvenience caused. ____________________________________________________________ NOTE : An alert has been sent to XXXX XXXX in regards to the {$200.00} additional payment she has to send you, we will secure this transaction with high priority whereby the buyer nor the seller will lose a dime. '' With this, I messaged the woman again on XXXX. She said she received a similar email and that she was going to send the extra {$200.00}. She said she sent the {$200.00}, but, again, I did not receive any money. I then received this email after she said she had done that : " We congratulate you for successfully upgrading your account to a Business User which gives you Unlimited Access to receive any amount of money from now on. REAL TIME PAYMENT PROTECTION For your account to be credited fully with the sum of {$420.00} USD. You are required to refund back {$200.00} USD to XXXX XXXX as to secure the additional sent to expand your account. transfers Below Is The Instructions To Receive Your Funds : Send the sum of {$200.00} to XXXX XXXX account via Zelle to secure this transaction. Take a picture of the {$200.00} payment and reply to this email. Instant {$420.00} will reflect in your Zelle account, when we confirm the {$200.00} refund you're sending to XXXX XXXX. The buyer will also get credited with {$50.00} from Zelle. '' Again, at this point, I have not received any money. I then went ahead and sent {$200.00} to the woman through Zelle. She claimed that the email and name she gave me to send the money to was her husband. At this point in time, {$200.00} has been taken out of my bank account. The woman said she received the money. Then, I received another email. It said the following : " Hello, XXXX XXXX Congratulations on your end and this is to inform you that your funds had been approved and we are really sorry for the inconvenience but there is one final step to take so your account will be fixed instantly and you wont have to go through this issue anymore. In order to get the full total $ XXXX transferred into your Zelle account, you are hereby to pay the Tax & Vat fee of $ XXXX for the processing of your funds, and the fee represents the approval of your funds and also stands as insurance to your business account, the money will be added to your pending funds and you will be credited fully with the sum of $ XXXX which also includes a compensation fee typically in XXXX minutes. Zelle XXXX : XXXX : XXXX -Name : XXXX XXXX Immediately the Tax & Vat fee is sent to the provided Zelle details above, you take SCREENSHOT proof of it and reply back for your account to be fully credited with the total sum of $ XXXX to be credited into your account. Thanks for your understanding XXXX XXXX and we are really sorry for the inconvenience and you can make any transaction in your account when everything get fixed as soon as we confirm the payment. '' After receiving this email I became more suspicious and decided not to send another {$200.00}. I then proceeded to call my bank, XXXX XXXX. With the first call with XXXX XXXX, I talked to a customer service representative and she forwarded me onto Zelle 's customer service. Here, I was unable to speak with anyone directly as the system was completely automated. I hung up and called XXXX XXXX again. This time, I spoke to a new agent and she filed a claim for a fraudulent transaction. I was then told that the likelihood of getting my money back is slim to none. I am reaching out here to try and rectify the situation and hopefully get my money back.
06/15/2018 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Managing, opening, or closing your mobile wallet account
  • HI
  • 96740
Web
The company is Early Warning Services LLC, DBA/ XXXX . XXXX advertises itself as a money transfer/ payment processor. It allows customers to utilize their eligible debit cards in the application ; to send money to others domestically. ( It may also allow internationally but I did not use it for this purpose and am otherwise unaware of it's support for international use or transactions. ) The company collected my information both personal and financial, and I was able to use the application and the service for some time. I began to receive email 's from XXXX, requesting that I link my XXXX XXXX XXXX Account within the XXXX application, to continue use of XXXX. I tried to comply with the request, but encountered errors with the application. Preventing me from logging in, such error 's as " Login Failure, Error 201 '' when I contacted the companies support team, I was routed to T2 ( Or second level support. ) this support team was unable to assist me other than to purport, that they can not see why but I am suddenly ineligible to use the XXXX application. They claim that the XXXX Application renders this decision autonomously, whenever the application receives an update. The employee 's indicate that they don't know how, nor why the decision is rendered, but claim that there is no escalation path beyond them to higher management nor to a technical team that can determine if the ineligibility could potentially be based on an error. They further claim that they see no end date for the ineligibility, and suggest that a user is likely ineligible indefinitely. ( Despite the prior claim that they can not see this information ) When asked how I could request the removal of my personal and financial information, I was advised that this is not possible. The behavior is extremely alarming, the company has partnered with Risk Management Companies, that create and maintain a risk assessment/ profile of consumers behavior, identity details, and other comprehensive analysis information, based in part, on Consumer information the Application required to sign up. By failing to provide insight into the sudden ineligibility of a consumer, and by in turn housing and retaining that consumer 's financial and personal information which is shared amongst the companies network of companies/ partnerships or housed in it's database 's the company is arbitrarily acting as if it were a Consumer Reporting Agency, whilst failing to abide by the FCRA. Consumer reporting agency '' or CRA means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( 15 USCS 1681a ) ; See XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX. XX/XX/XXXX ) According to the FCRA a consumer is entitled to the following C You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information. C You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency ( your file disclosure ). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if : C a person has taken adverse action against you because of information in your credit report ; C you are the victim of identify theft and place a fraud alert in your file ; C your file contains inaccurate information as a result of fraud ; C you are on public assistance ; C you are unemployed but expect to apply for employment within 60 days. In addition, by XX/XX/XXXX all consumers will be entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.ftc.gov/credit for additional information. The company is not acting in this manner, and it's my belief that they are illegally housing and collecting information personal and financial on millions of unsuspecting Americans, myself included.
07/03/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • UT
  • 84010
Web
On XX/XX/2019, I agreed to purchase tickets from a seller on XXXX. I initially texted the seller at approximately XXXX XXXX that day asking if they still had the concert tickets available. They said they did and we negotiated about the price. He agreed to sell me tickets for the price of {$120.00} per ticket, and I was going to purchase 2 tickets. The seller had told me that the tickets would be transferred through the XXXX website portal. I provided them with my name and email address in order to complete this process. They provided proof of purchase on the tickets and ensured everything was ready to go with the transfer. I have used the XXXX online transfer feature before, so I was trusting that I would receive the tickets. The seller then requested that I pay them using the money transfer app " Zelle. '' Through Zelle, money is automatically sent through your bank. Again, I have used Zelle before so I assumed that it would be a secure way to make the purchase. The seller provided me with their email address ( XXXX ) so that I could send them the money. I sent them the {$250.00} for the concert tickets ( {$120.00} per ticket x 2 ). I received confirmation that the money was transferred, and the seller told me they would transfer the tickets as soon as they received confirmation. They claimed that the status of the payment was shown as " pending '' on their end, and they hit cancel on the payment. They told me that because we had never done a transaction with each other before, the bank was holding the money. The seller then requested that I try sending the payment in smaller amounts instead. I was very suspicious of this request. I did some research and discovered that Zelle payments are automatic and can not be cancelled. I told the seller this and they promised that they had not received my payment. I asked for them to transfer the tickets to me, and then I would try sending payment again. They insisted that I send payment first. I told them I would instead try sending just {$5.00} to see if they received that before sending full payment. They confirmed that the {$5.00} went through, so I requested they transfer me the tickets like they said they would. The seller once again asked I pay first. At this point I was very suspicious and was not willing to send anymore money. I told them I was not comfortable transferring additional money until I received the tickets. They ensured me that they were legitimate and told me they would not try to scam me because their mother had just died. I asked the seller if we could meet in person so that I could ensure the tickets were transferred. They told me that they were located in XXXX, Maryland and I told them that I was in Washington, D.C. I suggested we meet somewhere in the middle. At first they agreed, but then once again tried to get me to just transfer them the money through Zelle. I told them I would prefer to meet in person to continue the transaction. The seller told me that they had an aunt in the D.C. area who would be willing to meet me and transfer the tickets to me. I agreed and asked what time and location would work for her. A few hours passed with no response from the seller. I then sent them another text asking if they could just post the tickets to the XXXX seller marketplace, so then I could securely purchase them through there. That way, the transfer of goods and money would be done simultaneously. They told me that by doing that they still wouldn't receive the money for 3-5 days, so it had to be through Zelle. At that point, I knew it was a scam and called both Zelle customer service, and XXXX customer service ( the bank I use. ) Both representative informed me that since I had initiated the transaction, nothing could be done to recover my funds. I do not believe this is right. Due to the fact that I paid for a good/service that was not received, this is considered theft. I am writing to complain of this instance of theft where nothing has been done to help me get my money back. A total of {$250.00} was stolen from me, and the seller is no longer replying to messages or phone calls. I have written a letter of dispute for the charge to XXXX XXXX, filed a police report for theft, filed a complaint with econsumer.gov, and called Zelle multiple times. There has still been no action taken to reclaim the money that was stolen from me, or go after the scammer. I have also informed the scammer of my actions and requested that they send back the money they took from me. I would appreciate any assistance in resolving this matter.
08/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 20785
Web
I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent to, EARLY WARNINGS on XX/XX/2021. REASONS : 1. Pursuant to 15 U.S. Code 1681 ( a ) ( 1 ) ( 3 ) ( 4 ) The Congress found that inaccurate credit reports directly impairs the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ; 2. The Congress has stated that you, EARLY WARNINGS are a scam pursuant to 15 U.S. Code 1681 ( 2 ) which states : An elaborate mechanism has been developed for investigating and evaluating consumer credit worthiness, credit standing, credit capacity, character, and general reputation of consumers ; 3. The Congress has also stated that you, EARLY WARNINGS, are assuming a vital role in assembling and evaluating consumer credit Pursuant to 15 U.S. Code 1681 ( 3 ). Therefor youre only making pretend youre important or have a vital role without any proof ; 4. Furthermore, The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ; 5. Notice that Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. You, EARLY WARNINGS, are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file ; 6. Pursuant to 15 U.S. Code 1681a ( d ) the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness ; 7. Take further notice that Pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) you, EARLY WARNINGS, are violation of this law as it clearly states that any report containing information solely as to transactions or experiences between the consumer and the person making the report which in this case is you EARLY WARNINGS is excluded from the consumers report ; 8. Notice that you, EARLY WARNINGS, are also in violation of 15 U.S. Code 1681a ( 2 ) ( B ) which states any authorization or approval of a specific extension of credit indirectly by the issuer of a credit card. You are reporting multiple accounts on my consumer report in direct violation of this Code ; 9. You also cant claim you verified any accounts unless you can prove you did what you are supposed to do Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; 10. Take further notice that Pursuant to this same mentioned code stated above 15 U.S. Code 1681a ( e ) there shall not be any specific factual information on a consumers credit record obtained directly from a creditor as the term creditor means the same as it does in 15 U.S. Code 1691a ( e ) which states that the term creditor means any person who regularly extends credit which in this case that would be me a consumer ; 11. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates ; Pursuant to all the facts I stated above, here are my written instructions as to what I, a consumer in fact want removed from my report immediately. I also DO NOT authorize any automated response or XXXX XXXXXXXX verification method.
10/27/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • FL
  • 349XX
Web
REQUEST LETTER TO REMOVE INACCURATE INFORMATION Please accept this formal letter as my first request to investigate and remove derogatory accounts/items from my consumer report. Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which | dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 U.S.C. 1681a ( f ), you are governed by the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file. The FCRA states that it's the consumer reporting agency 's responsibility to ensure that all information contained within consumer files is accurate and free from errors. Your company is regularly engaged in the business of assembling, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S.C. 1681a ( d ), to third parties. According to rederal law. vou are required to comply with the requirements imposed under the CRA. 15 U.S.C. 1681 et seq., including but not limited to : 1 ) follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, e.g., XXXX v. XXXX Info. Sols., Inc. , 2011 WL 1085874, at *4 ( E.D. Va. XXXX. XXXX, XXXX ) ( breaking down the requirements of 1681e ( b ). and explaining that " assure ' means 'to make sure or certain : put beyond all doubt. '' *Im ] aximum ' means the greatest in quantity or highest degree attainable [. ] and 'possible ' means something 'falling within the bounds of what may be done, occur or be conceived. '' ( quoting XXXX 's XXXX XXXX XXXX XXXX 133, 1396, 1771 ( 1993 ) ) ; 1. comply with the investigation requirements, as required by 15 U.S.C. 1681i ; 2. should not provide consumer file to companies without determining that these companies had a permissible purpose to obtain consumer file pursuant to 15 U.S.C. 1681b ; 3. provide consumer file pursuant to 15 U.S.C. 1681g ; o et sea Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing mv wet ink sianature on it vou have on file of accounts/items listed below. Under the FRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from mv consumer report. See. exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the accounts/items I am disputing. as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary XXXX # Contributor : XXXX Bank Routing # : XXXX Account # XXXX XXXX # Contributor : XXXX Bank Routing # XXXX Account # : XXXX XXXX # XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX XXXX # XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # XXXX XXXX # XXXX XXXX XXXX Routing # : XXXX Account # : XXXX XXXX # Contributor : XXXX XXXX Routing # : XXXX Account # XXXX XXXX # Contributor : XXXX XXXX Routing # : XXXX Account # XXXX XXXX # Contributor : XXXX XXXX Routing # : XXXX Account # XXXX XXXX # XXXX XXXX XXXX XXXX # : XXXX Account # XXXX XXXX # XXXX XXXX XXXX XXXX # : XXXX Account # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # : XXXX Account # XXXX XXXX # XXXX BANK Bank Routing # : XXXX Account # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX : XXXX Account # XXXX XXXX # XXXX XXXX XXXX Routing # : XXXX Account # XXXX XXXX # XXXX XXXX XXXX Routing # : XXXX Account # XXXX XXXX # XXXX XXXX XXXX Routing # : XXXX Account # XXXX XXXX # XXXX XXXX XXXX Routing # : XXXX Account # XXXX XXXX # XXXX XXXX XXXX Routing # : XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Routing # : XXXX Account # XXXX XXXX # XXXX XXXX XXXX Routing # : XXXX Account # XXXX XXXX # XXXX XXXX XXXX Routing # : XXXX Account # XXXX XXXX # XXXX XXXX XXXX Routing # : XXXX Account # XXXX
02/04/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NY
  • 10128
Web Servicemember
Early warning services takes advantage of the disabled and disabled military veterans Early warning services does not remove outdated information and violates FCRA regulation Early warning services receives kickbacks from banks to report negative info on consumer reports Early warning services reporting outdated and fraudulent transactions. Make it impossible for consumer to dispute and also never honors requests Early warning services in clear violation of FCRA Never had inquiries or attempted account openings, as reported by early warning on page 46 and 47. XXXX XXXX XXXX TWICE ON XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX of XXXX Alleges on page 46 insufficient funds for XXXX and XXXX insufficient funds check # XXXX and XXXX.fraudulent checks XXXX Tran Type Date Account Number Check Number Amount Return Reason Return Transactions ACH XX/XX/XXXX XXXX XXXX {$4700.00} Account Closed ACH XX/XX/XXXX XXXX XXXX {$5600.00} Account Closed ACH XX/XX/XXXX XXXX XXXX {$2800.00} Account Closed All transactions page 2 are fraud Transactions Tran Type Date Account Number Check Number Amount Information Reported By : Check XX/XX/XXXX XXXX {$15.00} XXXX XXXX XXXX Check XX/XX/XXXX XXXX {$15.00} XXXX XXXX XXXX Check XX/XX/XXXX XXXX {$15.00} XXXX XXXX XXXX XXXX Check XX/XX/XXXX XXXX {$15.00} XXXX XXXX XXXX ACH XX/XX/XXXX XXXX XXXX {$4700.00} XXXX XXXX ACH XX/XX/XXXX XXXX XXXX {$5600.00} XXXX XXXX ACH XX/XX/XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Tran Type Date Account Number Check Number Amount Return Reason Return Transactions ACH XX/XX/XXXX XXXX {$2100.00} Insufficient Funds Transactions Tran Type Date Account Number Check Number Amount Information Reported By : ACH XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX ACH XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX ACH XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX ACH XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX ACH XX/XX/XXXX XXXX {$15.00} XXXX XXXX XXXX XXXX XXXX ACH XX/XX/XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX ACH XX/XX/XXXX XXXX {$5.00} XXXX XXXX XXXX XXXX XXXX ACH XX/XX/XXXX XXXX {$36.00} XXXX XXXX XXXX XXXX XXXX ACH XX/XX/XXXX XXXX {$12.00} XXXX XXXX XXXX XXXX XXXX ACH XX/XX/XXXX XXXX {$56.00} XXXX XXXX XXXX XXXX XXXX ACH XX/XX/XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX ACH XX/XX/XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX ACH XX/XX/XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX Check XX/XX/XXXX XXXX {$250.00} XXXX XXXX - XXXX ACH XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX ACH XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX ACH XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX ACH XX/XX/XXXX XXXX {$2.00} XXXX XXXX XXXX Check XX/XX/XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX Check XX/XX/XXXX XXXX {$5.00} XXXX XXXX - XXXX Check XX/XX/XXXX XXXX {$900.00} XXXX XXXX XXXX XXXX Check XX/XX/XXXX XXXX {$150.00} XXXX XXXX Check XX/XX/XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX Check XX/XX/XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX Early Warning Services LLC . All Rights Reserved. Page 1 of 1 Page Check XX/XX/XXXX XXXX {$15.00} XXXX XXXX XXXX Check XX/XX/XXXX XXXX {$15.00} XXXX XXXX XXXX Check XX/XX/XXXX XXXX {$15.00} XXXX XXXX XXXX XXXX Check XX/XX/XXXX XXXX {$15.00} XXXX XXXX XXXX ACH XX/XX/XXXX XXXX XXXX {$4700.00} XXXX XXXX ACH XX/XX/XXXX XXXX XXXX {$5600.00} XXXX XXXX ACH XX/XX/XXXX XXXX XXXX {$2800.00} XXXX XXXX Bank Routing # : XXXX Account # : XXXX Tran Type Date Account Number Check Number Amount Return Page 3 everything is fraud never had XXXX XXXX account 2 XXXX XXXX account listed end accnt number XXXX and XXXX in XXXX and XX/XX/XXXX.regardless of fraud early warning services violating FCRA by XXXX negative info beyond 7 years Never maintained or opened email address XXXX Fraud check reported on my early warning report XXXX 2 checks on same check # for {$4700.00} and {$5600.00} as well as another fraud check # XXXX for {$2800.00} Multiple XXXX XXXX XXXX account reported based out of Virginia .never lived in Virginia early warning reporting multiple XXXX XXXX XXXX accounts Never opened XXXX XXXX XXXX account and it's also closed. Superivor stated it would be removed due to time constraints but never removed. Everything from page 2 and 48 needs to be removed Early warning running a scam and conning customers.unacceotable.prepare for cfpb XXXX and ftc
09/17/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 751XX
Web Servicemember
On XX/XX/2022, my brother provided my name and number to a guy that was selling a top for my XXXX XXXX on XXXX. He found the guy in a private XXXX group for XXXX owners. The guy eventually called me to arrange for the sale. Because I assumed my brother had already vetted the guy, I was more comfortable making the transaction, but was still a little hesitant. I should have trusted my gut feeling. I proposed completing the transaction via XXXX because they are more secure, but the alleged seller suggested XXXX or Zelle. Since my bank, XXXXXXXX XXXX, offered Zelle and promoted it as an option for sending money, I assumed my bank provided the same protections as they did for fraudulent transactions from my checking, savings, debit card and credit card accounts. Because I was still a little hesitant, I offered to send half the money upfront and the other half once I received verifiable proof the top was shipped. The alleged seller agreed. Shortly after sending the alleged seller {$420.00} and confirming it was sent, I went back to the sellers listings and inquired about some other parts. This communication was via XXXX messenger as I originally communicated with the alleged seller by phone since my brother gave him my number. It was during the messenger exchange that it was discovered the top did not belong to the alleged seller and was not shipped as promised. I immediately contacted my bank to stop or recover the Zelle transaction. While on the on the phone with my bank, the seller texted me a tracking number and requested the final payment of {$420.00}. He began to call and text a few times while on the phone with my bank, but I ignored the attempts. After filing my fraud complaint and completing the call with my bank, I texted the scammer back and requested an invoice. He deflected and said there was no need to send an invoice because it was already shipped, and again requested the remaining {$420.00} of the {$850.00} sale price be sent to complete the sale. I then informed him that I knew he was a scammer, which he obviously denied. During that exchange he agreed to send me back the {$420.00}, but I knew that was never going to happen. This all happened within a 20 to 30 minute timeframe. While filing my claim with my bank I asked several questions, which revealed that even though I was a victim of fraud/scam, I would be provided no protections because I authorized the transaction. That is puzzling because I was still a victim of fraud despite the bank 's interpretation and what constituted their protections for me as a customer. I assumed that if my bank promoted services with Zelle, that I would be afforded protections against fraud. It was clear during the process of me filing the fraud complaint that me getting my {$420.00} back was more than likely not going to be the outcome. I am a victim of fraud and I feel like the bank should refund my money since the Zelle service they provided offers no options for getting the money back from the scammers no matter how soon you report the fraud. The bank should not offer the service if there are no remedies for fraud and offer no protections. I should be refunded {$420.00} and the bank should stop offering Zelle services if they can not provide protections to its customers or sufficient remedies for recovery. I have to wait 10 days while they investigate my fraud claim that they have already disclosed the likelihood of recovering my money is very, very low. Zelle also offered no resolution and kept me on hold for 1 hours before I eventually hung up. Zelle made no attempt to collect any information from my fraud claim and said I should contact my bank, which I did before contacting them. They made no attempt to recover my money nor offer any customer service. The information the scammer used is below : Name used :. XXXX XXXX Email address used : XXXX Phone number used :. ( XXXX ) XXXX Also note : the email was verified by Zelle on the XXXX website. One would assume that verification by XXXX and Zelle meant the address was good and free from fraud, but that is the false security XXXX and Zelle provides its customers. They make it very easy for scammers to operate and victimize its clients. I am more wise because of this very expensive lesson and hope my experience helps others avoid becoming a victim of fraud as I did.
09/06/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NY
  • 10455
Web
A recruiter from XXXX XXXX contacted me via email ( XXXX ), saying that they found my profile on XXXX XXXX and invited me to apply for an open XXXX XXXX position. I applied for the job, received an offer from XXXX XXXX ( XXXX ), and was told to communicate with the IT Specialist, XXXX XXXX, via XXXX to set up my home office. XXXX asked for my ID and SSN to have on record, which I provided, as well as which bank I use. He then directed me to a false XXXX XXXX website XXXX XXXX XXXX XXXX XXXX, to consult a specialist and order my equipment. He assured me that the company would provide the funds, but that this process was a part of my training so I would know how to replace/upgrade equipment in the future. After contacting XXXX XXXX ( XXXX ), the company sent me an invoice with the cost of all the equipment, which I then shared with XXXX. On XX/XX/2022, after XXXX contacted the " head of department, '' I was sent a check for {$4200.00} via email ( XXXX ), which I deposited through my phone. I was also told that the funds would be available instantly. The funds came up in my present balance, but not my available balance. On XX/XX/XXXX, XXXX said to notify XXXX XXXX that I was ready to fill the invoice. XXXX XXXX asked that I pay a fee of {$830.00} via Zelle to XXXX to reserve my home office equipment, so I asked XXXX if this fee was included in the check. He said yes. I tried to make the payment, but it didn't work because the funds from the check weren't available yet, and I didn't have that much money available in my account. I communicated this to XXXX ; he asked me to send {$500.00} to reserve the equipment since I had already contacted the XXXX company. He also assured me that I would get back the money once the funds from the check were available. Afterward, the XXXX company claimed that I sent the money to the wrong account, although I used the information that they gave me, since that account can only accept {$800.00} upward. They then sent me different account information ( XXXX ) to send the {$500.00} there instead. I did not send anything this time. Despite the first account being unable to receive anything less than {$800.00}, the money didn't come back to me, so I asked XXXX XXXX to cancel or return the payment. They didn't. I contacted my bank, XXXX XXXX XXXX ; they confirmed that this was a scam and stated there may not be anything that they can do. I contacted XXXX again, who only continued trying to convince me to pay the " reservation fee '' out of pocket until the funds from the falsified check were deposited. I confronted him, and when he knew that I was now aware of the scam, he stopped responding to my messages. On XX/XX/XXXX at around XXXX XXXX I deactivated my Zelle, and the {$500.00} seemed to go back into my balance. Later that same day, I got a notice from XXXX saying that my account was locked. This was due to information on the check, and I was told that no money could enter or leave while my account was in this state. I called XXXX again to alert them that the check was fake ( I'd called the day before as well, but was left on hold for three hours until I decided to hang up ), but the representative told me that the check was still processing and to call back on XX/XX/XXXX when it was finished, they'd be unable to help before then. On XX/XX/XXXX, I checked my account balance and saw that the {$500.00} I thought I'd gotten back was gone again. I also thought my funds would be safe since my account was restricted at the time. I contacted my bank again, but since my account was still frozen, I was asked to call back on the XXXX. I checked my bank account again on the XXXX and saw that the check had been returned, and I was charged a {$12.00} return fee. I then contacted my bank again, which lifted my restriction but couldn't return the fee. The representative I spoke to sent an alert to Zelle to contact the recipient 's bank, but I was also told that there was no guarantee of Zelle 's response. I tried logging on to XXXX again but no longer had access. Since our last interaction, XXXX removed me from the XXXX server. I tried reaching out through email as well but haven't gotten a response.
02/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30281
Web
Notice to all, I am that I am, the Consumer in fact, natural person, Original Creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name [ last name, first name ] and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a/ XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, the Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached, so be it ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will endure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of all alleged information listed on your site in order to avoid me receiving further injuries, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A & Exhibit B that Early Warning Services is in violation of Title 15 U.S. Code 1681b ( a ) ( 2 ) . Your organization never receive written permission from me, the Consumer, as to what you can report on your consumer report. It you did so happen to receive written permission from me, as we know you did not, please provide me with a copy with my original signature. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A & Exhibit B that Early Warning Services is in violation of Title 15 U.S. 1681i ( FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ) Who verified these accounts? What is their name? What department do they work for? What is their desk number? What is their email address? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required. If you do have such documentation at your office ( not instructing me to contact the bank ). Please provide it to me. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A & Exhibit B that Early Warning Services is in violation of Title 15 U.S. 1681 ( a ) - ( e ). When doing an investigative consumer report, you must speak to neighbors, family and friends. Even if you do, and we know you dont ( you use e-OSCAR ), its not considered factual. Please send a list of the neighbors, family and friends you spoke to during your investigation. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A & Exhibit B that Early Warning Services is in violation of Title 15 U.S. 1681g ( a ) ( 1 ) - ( 2 ). Your organization has not provided me with ANY information that you house at your office. Also you never provide your source of your information ( Who verified this information? Who did you speak to? ). Pursuant to the FCRA, your organization is required to provide with information you are reporting from YOUR OFFICE. Not information you are receiving and counting a verifiable information. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A & Exhibit B that Early Warning Services is in violation of Title 15 U.S. 1681o. By not complying to the consumer laws that Im presenting to you. You will be fined equal to the sum of damages sustained by the Consumer. The Consumer is me. Thank you, I swear to all the information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do require subrogation of the bond to settle the charge.
06/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • TX
  • 77642
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX Early Warning XXXX XXXX XXXX XXXX XXXX, AZ XXXX Consumer ID : XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; ANY AMOUNTS OWED HAVE BEEN PAID Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX REPORTED SSN/ID : XXXX Drivers License : XXXX STATE : TX Date of Closure : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX / XXXX Original Charge Off Amount : {$220.00} Closure Status : PAID IN FULL Closure Status Date : XX/XX/XXXX XX/XX/XXXX EARLY WARNING, The above entry where SUSPECTED FRAUD ACTIVITY. is being reported by you ( EARLY WARNING ) from information you ( EARLY WARNING ) received from XXXX XXXXXXXX XXXX. I have requested twice in the past 75 days that you validate this information with documentation from XXXX XXXX XXXX. Validate or delete as soon as possible. In both instances you ( EARLY WARNING ) have failed to provide any documented proof that the data record you are reporting is accurate. Moreover, you claimed that I asked you to provide documentation or transactional data to validate the information. I need not explain to you ( EARLY WARNING ) that you simply house the information provided to you from institutions such as XXXX XXXX XXXXXXXX. However, EARLY WARNING is required under FCRA to conduct thorough investigation which would include gathering documentation and/or statements from those have this information. When a investigation fails to produce accurate data and/or documentation as to the validity of the reporting record, that record must be deleted within the thirty day as prescribed by FCRA. EARLY WARNING has failed to provide the required documentation from XXXX XXXXXXXX XXXX and subsequently failed to delete the inaccurate information as requested by me the consumer. Since this demonstrates a pattern and behavior to disregard what FCRA has required you to do and remain a repository of accurate data of consumer records, EARLY WARNING is in violation of FCRA codes. Therefore, I am demanding that every record EARLY WARNING has on file with records to me be thoroughly investigated and validated with documentation and/or transaction records. Validate all of my records and data or delete every item or record that can not be validated that EARLY WARNING is reporting to and from other financial institutions. VALIDATE or DELETE, your only two options. A simple overdraft does not constitute fraud. Moreover, any fraudulent act must also demonstrate intent. This is why that XXXX XXXX XXXXXXXX must produce any and all documentation that would warrant suspected fraud. Suspected fraud without documentation is not fraud at all thus XXXX XXXX XXXXXXXX intent is to cause harm to me the consumer in this case. When did XXXX XXXX XXXXXXXX notify me, the consumer, of this adverse information as required under FCRA. This is something a thorough investigation would have discovered if EARLY WARNING had completed as described by FCRA. Since EARLY WARNING SYSTEM has repeated the inaccurate information, this has caused additional harm to me, the consumer. Provide me, the consumer, with valid documentation and/or data for every record you have on file about me or record of deletion where no documentation can be provided to EARLY WARNING from the reporting banking institution. Failure to do so will allow me seek legal damage for any and all records that EARLY WARNING has failed to validate and conduct thorough investigation. This false information has caused me financial and mental harm since you ( EARLY WARNING ) has refused to correct or delete this false information. I am unable to open another checking account due to the SUSPECTED FRAUD ACTIVITY that XXXX XXXX XXXXXXXX has noted on this closed account without any documentation demonstrating fraudulent activity. I demand that XXXX XXXX XXXXXXXX forward valid documentation of fraud or delete the account as required under FCRA. Attached : Consumer file [ DISPUTING ALL DATA IN CONSUMER FILE ( 30 Days to complete ) ] Dispute XXXX XXXX XXXX : State Attorney General Consumer Financial Protection Bureau XXXX XXXX XXXX Federal Trade Commission
06/08/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • CA
  • 92307
Web
This complaint involves a transfer of funds from my local bank XXXX, part of XXXX, to a XXXX XXXX XXXX account to pay rent. This transaction has always gone smoothly in the past, but currently XXXX only offers Zelle. XXXX Logged into XXXX online banking account to make rent transfer and see Zelle as the new means for transfers. Register with Zelle and transfer {$2000.00} to landlord. Receive email that money was taken from account and credited to landlord. XXXX Logged into XXXX account again to complete {$2500.00} rent payment with remaining {$500.00} transferred with Zelle. Receive email that money was taken from account and credited to landlord. Landlord receives email that {$2000.00} was sent with Zelle and should be processed in a few minutes. XXXX Landlord receives email that {$500.00} was sent with Zelle and should be processed in a few minutes. XX/XX/XXXX Landlord contacts me and is concerned about rent payment transfers, confirms that emails were received but has examined his XXXX XXXX XXXX account and funds were not received. Check my XXXX account and money was removed on XXXX and XXXX. Read info on Zelle information that states funds will be returned within 14 days if receiver is not registered or there is a transfer problem. {$2500.00} was never returned to my account. XX/XX/XXXX Call XXXX customer service to inquire about this transaction and request help with missing funds. Customer service agent checks my account - transfers appear fine so XXXX has no responsibility here. Told to work this out with Zelle and given a customer service number. Using this number there is no opportunity to speak to a representative, only a phone tree of recordings, if caller tries to connect to an operator the call is terminated. XX/XX/XXXX File an online complaint using Zelle 's website and receive a case number by email - XXXX. XX/XX/XXXX Receive a canned, generic email stating questions about Zelle must be resolved with your financial institution. Email sent to Zelle requesting they take responsibility to examine a failed transaction where a customer loses significant funds through no error of their own. Zelle markets itself as a major financial transfer institution for the likes of XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, etc. It is not acceptable to dodge accountability for the very service Zelle advertises and claims to provide. XX/XX/XXXX Go to XXXX branch with documentation of transactions and request help locating and refunding {$2500.00}. A customer service representative files an inquiry with XXXX offices. XXXX Hearing nothing from Zelle or XXXX, call Zelle at an alternative customer service number appearing on their XX/XX/XXXX email. Zelle 's agent repeats several times that Zelle bears no responsibility and will not investigate a failed transaction or lost funds. Any resolution of this type can only be made through the customer 's bank. The agent refused to take any details of the transaction, which could be important in improving services they offer and eliminate future losses. XXXX Email Zelle that no errors were made in accurately entering the receiver 's info, I expect to be contacted and am ready to supply documentation and details of transaction for their efforts in retrieving my funds as a reputable company would do. Call XXXX and am told the branch has been informed there is nothing the bank can do. The Zelle transaction was initiated by the customer and is the responsibility of Zelle and the customer. I responded that the transfer was made while logged into XXXX online banking which endorses Zelle by prominently displaying it for transfer of funds. XXXX rep said that documentation lacked proof that receiver did not get the money and I said I would ask my landlord to provide those docs. XXXX Return to local XXXX branch with landlord 's emails confirming transfers were made to him and copies of his XXXX XXXX XXXX statement for XXXX showing the deposits were not made. XXXX branch files additional inquiry with parent company including new documentation. Nothing at all from Zelle.
01/31/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33311
Web
Consumer ID : XXXX EARLY WARNING XXXX XXXX XXXX XXXX XXXX, AZ XXXX Mailing date Dear EARLY WARNING, I reviewed my most recent file disclosure and saw that inaccurate accounts and misleading account details were reported by your consumer reporting agency. The reporting of inaccurate accounts and misleading account details on my file disclosure is a blatant disregard of 15 U.S. Code 1681e ( b ) which states that inaccurate information should not be reported in a consumer 's report. 15 U.S. Code 1681e ( b ) states that : ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Please investigate and verify that the accounts listed below are mine. Once the investigation is done, send me all the documents signed by me and that prove that the accounts and account details listed below are accurate. I also request that you delete accounts that can not be verified by the creditors. Below is a list of the inaccurate accounts and misleading account details that should be deleted from your companys database : Please delete the following bank accounts because their return transactions and return reasons are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, Your Signature XXXX XXXX
08/22/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • AE
  • XXXXX
Web Servicemember
My husband is military and we are currently stationed XXXX in XXXX. My kids and myself are leaving a few months early ( 3weeks ) back to the states to get them into school and get settled before my husband comes home. We were looking for houses and we found a house at XXXX XXXX XXXX XXXX XXXX, CO XXXX for {$1500.00} a month. It was in our price range So we decided to inquire about it. XXXX sent me an email saying that the owner of the ad will get back to me. That's where XXXX comes in. We spoke back and forth for over 3 weeks. Our application was approved ( no application fee ) and we were able to continue the process of reserving the house. On that application is my husbands SSN and mine as well. We sent over a copy of or DL and he has our DOB and kids names and our banking account numbers. He asked us to put down our deposit that was {$1400.00} to reserve the house and that we weren't due to pay the 1st month 's rent until we moved in. So we did ON XX/XX/2022. He had us Zelle the money to his wife whose name is XXXX XXXX and email is XXXX. He sent over the lease agreement that we signed and sent back. A few days later he says that he took everything to his lawyer and everything was fine but the only thing was his lawyer found tenants who were willing to pay 4 months of rent plus the deposit. I immediately let him know that we were not going to be able to put that much down and how {$1400.00} was a struggle for us to get. He waits a few hours to tell us that as long as we can put down the first months rent he'll hold it for us since we already put a deposit down. We agreed and instead of paying 1 month in rent we decided to pay two since we weren't sure when our BAH would kick in and we did not want to be struggling to pay rent since PCSing is enough to begin with. So we went into my husband 's TSP and withdrew the money. We paid him rent for the month of XXXX ( XX/XX/2022 ) and told him I'd be more comfortable to pay the other half when our sponsor could see the house. Our sponsor goes to see the house but since he supposedly lives in XXXX XXXX ( XXXX XXXX XXXX ) he wouldn't be able to make it that day. We scheduled a meet for Saturday the XXXX and he was due to fax over the HOA docs and hand over the keys. Two days leading up to said that he needed to pay the guy for the lawn work that needed to be done and if I could send over {$500.00} ( XX/XX/2022 ). I did because when our sponsor stopped by the lawn was extremely overgrown and sent pictures of it. He asked for another {$500.00} ( XX/XX/2022 ) for the washer and dryers he was installing in the home and then for us to pay the last {$500.00} once our sponsor and him met for the keys and HOA agreement. We were going to be busy at the time of our Sponsor picking the keys so we sent over the last {$500.00} ( XX/XX/2022 ) so that everything was taken care of. Come XXXX. our Sponsor and his wife calls us in a confused panic because there are people living in the home. I then started to contact him multiple times and he has not responded and has not been active since that day. The more digging I did the house owners passed a few years ago. We are waiting for our bank to open because there is a time difference but if they are not able to do anything we aren't sure what we are going to do. The kids and I leave in 3 weeks and we have no home, no savings, and no money to figure this out. We are at a complete loss. The only thing we found is his IP address [ XXXX ] which has many reports. I still can not fathom that we are out of {$4400.00} with no place to live. We have made multiple reports including with Zelle however unlike everyone else Zelle was absolutely no help and refused to even attempt to find out a way to help. It was almost as if I was another customer of theirs who got caught up in the unfortunate world of fraud. It was as though they had no empathy. It sucks that some people in the world are so nonchalant about others mistakes and heartache.
04/01/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 32835
Web
Multiple large banks are auto-enrolling account holders into one exclusive cash app called Zelle and integrating Zelle into their banks services. The Zelle app is owned by 7 separatre federal financial institions. This appears to possibly be unfair business practice and also possibly a violation of privacy laws. I can explain by sharing my experience. A number of months ago I went to transfer money to my sons account. The option was no longer available. I contacted XXXX and was informed that they were no longer allowing transfers like that and that money transfers had to be done through the Zelle app. I thought it was a bit odd that a Federal Bank was forcing me to use a particular app developed by a private company to transfer money. But, I went ahead and enrolled and then the " Transfer Money with Zelle '' appeared on my bank checking account page in my XXXX account. This money transfer app is integrated directly within my Federal bank. Since then we have had multiple problems trying to transfer money using Zelle. About a month ago I contact XXXX about the problem. XXXX informed me that it wasn't their problem and that I needed to contact Zelle. More recently, I am having trouble receiving money that was sent to me from someone who also has Zelle added into their XXXXXXXX XXXX account. I contacted Zelle about it and their automated message basically said " Not our problem. Call your bank. '' I called XXXX last night and spoke to a representative who explained to me that my phone number on Zelle had been disabled for some reason and that it is likely because my phone number is on somebody else 's bank account with another banking institution. No stop right there. How would that even be? Does that not sound a bit suspicious already? I told the representative that the person trying to send me the money did mention that at some point my mothers name popped up when they sought to send me the money. I said that I suppose my Mother could have my phone number on her account as a back up. The representative advised me to look into that. This morning I contacted my mother and she looked into it with her bank XXXX XXXXXXXX XXXX. It turned out that my phone number was in-deed on her account, as a back up number only. Furthermore, my mother never enrolled in Zelle and has no idea what Zelle is. She had my phone number removed from the XXXX account. Now my phone number is re-enabled with XXXX and Zelle. Now, stop right there. If my mother never enrolled in Zelle, how does Zelle have access to my mother 's XXXX XXXX XXXXXXXX checking account and her name associated with that checking account ( since my mothers name popped up when the sender tried to send me the money )? Also, how does Zelle have access to the BACKUP phone number on my mothers XXXX bank account? What other private bank information does Zelle have access to for people who enrolled but also for people who never enrolled, like my mother. After my mother removed my phone number from her account this morning, she received a text that read " Welcome to Zelle! '' She never enrolled in Zelle. But now XXXX auto enrolled her it appears. Why are the major banks forcing their account holders to use one particular cash transfer app ( Zelle ) made by a private company versus other similar cash transfer apps? Why does that one particular cash transfer app ( Zelle ) have access to account holder information for people who never enrolled in Zelle? Zelle is a private company. I looked them up. Interesting to find on XXXX that Zelle is a US based digital payments network owned by Early Warning Services. Early Warning Services is a private financial services company owned by 7 MAJOR FEDERAL BANKS, including XXXX XXXX XXXX. I find this activity to be very unusual and suspect that it is illegal. If it isn't, it should be. I believe this may include illegal business practices and consumer privacy rights violations.
08/31/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • DE
  • 19709
Web Servicemember
On XX/XX/2021 I sent {$1000.00} via Zelle through my XXXX banking app on my phone and XX/XX/2021 I sent the remaining {$150.00} through Zelle using it inside my XXXX banking app to a couple who we supposed to be dog breeders in Oregon. Zelle limits transfers to {$1000.00} a day so thats why there was two done. The first {$1000.00} was to the husband XXXX XXXX via Zelle email XXXX and the second {$150.00} was to the wife XXXX XXXX at XXXX. The money was got a male leonberger puppy. I talked to these people, emailed with them, they sent pictures and videos and I even checked the website XXXX XXXX XXXX for complaints and on XXXX and there was nothing. I also thought using Zelle through my bank XXXX made it safer. Ive never used Zelle before this and I have since removed my information from Zelle because Ill never use it again. Nevertheless, the day after on XX/XX/XXXX I was due to have my puppy shipped. On the evening of the XXXX I was sent a courier tracking number via swift air courier. I checked that website and it too checked out. So, the morning of the XXXX I get a text from the air courier rep XXXX, stating that I needed to rent a special pet crate snd it was going to cost XXXX more dollars and this money would be returned upon delivery of the dog. Thats when something said, no, this isnt right. The courier rep XXXX got smart with me and then threatened me that if I didnt pay the extra money then, Id be fined {$1000.00}. I tried countless times to reach out to the dog breeder and nothing. I had never used Zelle and I thought using it through XXXX protected my money. XXXX filed 2 fraud claims and Zelle responded to XXXX by saying they werent returning my money and that I was responsible for getting it back from the recipients. They said the recipients bank refused to return my money and would not tell me who the recipients bank was because of privacy! Privacy! These people stole {$1100.00} from me and sent no dog and they have a right to privacy. XXXX told me to call Zelle and see what they can do or to call my police and file a police report. Meanwhile these people still have their site up and are still stealing money from people. Ive reported it to IC3 as well. The two Zelle payments are Zelle ID XXXX Zelle ID XXXX I had registered to use Zelle via XXXX with my email XXXX year ( s ) ago when it was first offered and never used it. I also used it to do these payments via my cell phone so beings I was already registered I didnt see or read all the agreements again. I put in my cell phone to get a code sent and then it came up. Still, inside of XXXX app where I thought I was protected by my bank. Ive filed claims via Zelle fraud site 4 times and they still wont refund my {$1100.00} nor will they give me any information to the individuals that stole my money so I can press charges. So Zelle is basically ENABLING these imposters to steal innocent peoples money, even after theyve been notified by my bank and myself multiple times that these charges are fraudulent. I was conned out of my money and Im sure others have been and nothing is being done to stop them. Zelle needs to be shut down and they need to release the receiving banks information so I can press charges. I cant be the only person and IC3 has done nothing to shut down this site either. Its still up and running. I want Zelle held responsible for enabling criminals to steal and extort money and not do anything to help get the money back. If someone brings fraud claims Zelle should demand those funds be returned anc return those. I want my {$1100.00} returned to my XXXX checking account and I want these two Imposter Dog Breeders Charged. I need your help to get my money back. It was all I had in my savings for a new dog for my kid since my other dog died. This isnt right. If I had known XXXX didnt protect me, I would have NEVER USED ZELLE. I told XXXX they needed to stop offering Zelle inside the banking app.
04/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 454XX
Web
Dear Early Warning Services : I have sent you, Early Warning Services, 3 letters asking you to delete unverified, incorrect & damaging information from my Earlyn Warning Services. Attached is my 4th and final letter before I seek legal action. Early Warning Services , LLC. is a nationwide specialty consumer-reporting agency governed by the Federal Fair Credit Reporting Act ( FCRA XXXX and any applicable state statutes, which means you must follow all laws, rules and regulations. As a consumer, I am legally allowed to ask for information that you are supposed to disclose. Below you will see the law very clearly states : 1. Page 35 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. Please send information from YOUR database. Not information that you have to acquire from XXXX XXXX for the investigation. XXXX XXXX can alter information for your benefit. You do not keep information banks send you on file on your computer base. How is it that you can verify information that you do not possess? If you can not comply to the above-mentioned phrase, please remove all account abuse from XXXX XXXX from my report. 2. Page 37 ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section - Please send information from YOUR database. Not information that you have to acquire from XXXX XXXX for the investigation XXXX XXXX can alter information for your benefit. You do not keep information banks send you on file on your computer base. How is it that you can verify information that you do not possess? If you can not comply to the above-mentioned phrase, please remove all Account Abuse from XXXX XXXX from my report. 3. Page 37 ( 2 ), ( E ), a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified. If you can not or have not properly verified the information based on documentation that you house in YOUR computer database, you must delete Account Abuse from XXXX XXXX You do not keep information banks send you on file on your computer base. How is it that you can verify information that you do not possess? If you can not comply to the above-mentioned phrase, please remove all Account Abuse from XXXX XXXX from my report 4. Page 7 ( 2 ) Verification ( B ) of the information in the consumers application for the [ bank account ], credit or insurance, to determine that the consumer meets the specific criteria bearing on [ bank worthiness ], credit worthiness or insurability. Simply put, the information on my bank application should be determined if a bank account can be opened or not. Early Warning Services NEVER receives a bank application. Therefore, how can Early Warning Services prevent someone from opening a bank account if they never receive the information a bank uses to open a new account. According to the law, FCRA, you are in clear violation. You recently had a civil case against your company, Early Warning Services , LLC, for reporting false information. You lost this case and was forced to pay compensation. I know you are a big company and paying fines is part of the process. Please I do not want to have to bring another case against you. I have requested information from { Name of Bank } and if the information is erroneous or does not match, I will be filing suit as well. Please deleted all disputed files on this page. I am in the process of procuring legal assistance. As you are aware each account carries up to a {$1000.00} fine.
04/12/2017 Yes
  • Credit reporting
  • Improper use of my credit report
  • Report improperly shared by CRC
  • FL
  • 33063
Web
EARLY WARNING company is using my personal and private information without my consent, this is a second degree felony! CEASE AND DESIST AT ONCE!! This legal notice being sent and delivered to you persuant to Florida Statutes 48.081 Title XLVI CRIMES Chapter 817 FRAUDULENT PRACTICES View Entire Chapter 817.568Criminal use of personal identification information. -- ( 1 ) As used in this section, the term : ( a ) '' Access device '' means any card, plate, code, account number, electronic serial number, mobile identification number, personal identification number, or other telecommunications service, equipment, or instrument identifier, or other means of account access that can be used, alone or in conjunction with another access device, to obtain money, goods, services, or any other thing of value, or that can be used to initiate a transfer of funds, other than a transfer originated solely by paper instrument. ( b ) '' Authorization '' means empowerment, permission, or competence to act. ( c ) '' Harass '' means to engage in conduct directed at a specific person that is intended to cause substantial emotional distress to such person and serves no legitimate purpose. " Harass '' does not mean to use personal identification information for accepted commercial purposes. The term does not include constitutionally protected conduct such as organized protests or the use of personal identification information for accepted commercial purposes. ( d ) '' Individual '' means a single human being and does not mean a firm, association of individuals, corporation, partnership, joint venture, sole proprietorship, or any other entity. ( e ) '' Person '' means a " person '' as defined in s. 1.01 ( 3 ). ( f ) '' Personal identification information '' means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual, including any : 1.Name, postal or electronic mail address, telephone number, social security number, date of birth, mother 's maiden name, official state-issued or United States-issued driver license or identification number, alien registration number, government passport number, employer or taxpayer identification number, XXXX or food assistance account number, bank account number, credit or debit card number, or personal identification number or code assigned to the holder of a debit card by the issuer to permit authorized electronic use of such card ; 2.Unique biometric data, such as fingerprint, voice print, retina or iris image, or other unique physical representation ; 3.Unique electronic identification number, address, or routing code ; 4.Medical records ; 5.Telecommunication identifying information or access device ; or 6.Other number or information that can be used to access a person 's financial resources. ( g ) '' Counterfeit or fictitious personal identification information '' means any counterfeit, fictitious, or fabricated information in the similitude of the data outlined in paragraph ( f ) that, although not truthful or accurate, would in context lead a reasonably prudent person to credit its truthfulness and accuracy. ( 2 ) ( a ) Any person who willfully and without authorization fraudulently uses, or possesses with intent to fraudulently use, personal identification information concerning an individual without first obtaining that individual 's consent, commits the offense of fraudulent use of personal identification information, which is a felony of the third degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084. ( b ) Any person who willfully and without authorization fraudulently uses personal identification information concerning an individual without first obtaining that individual 's consent commits a felony of the second degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084, if the pecuniar
04/14/2017 Yes
  • Credit reporting
  • Improper use of my credit report
  • Report improperly shared by CRC
  • FL
  • 33063
Web
Early Warning company has not provided a valid response!!! they send their rules and policy to me like i give a XXXX? Where is THE VALID CONTRACT between myself and their company? SHOW IT TO ME!! where is the TANGIBLE EVIDENCE THAT THEIR RULES AND POLICY APPLIES TO ME? Early Warning company ignores a 2nd degree felony also using my personal and private information without my consent IS A FELONY CRIME, i will take further action with an affidavit of truth This legal notice being sent and delivered to you persuant to Florida Statutes 48.081 Title XLVI CRIMES Chapter 817 FRAUDULENT PRACTICES View Entire Chapter 817.568Criminal use of personal identification information. -- ( 1 ) As used in this section, the term : ( a ) '' Access device '' means any card, plate, code, account number, electronic serial number, mobile identification number, personal identification number, or other telecommunications service, equipment, or instrument identifier, or other means of account access that can be used, alone or in conjunction with another access device, to obtain money, goods, services, or any other thing of value, or that can be used to initiate a transfer of funds, other than a transfer originated solely by paper instrument. ( b ) '' Authorization '' means empowerment, permission, or competence to act. ( c ) '' Harass '' means to engage in conduct directed at a specific person that is intended to cause substantial emotional distress to such person and serves no legitimate purpose. " Harass '' does not mean to use personal identification information for accepted commercial purposes. The term does not include constitutionally protected conduct such as organized protests or the use of personal identification information for accepted commercial purposes. ( d ) '' Individual '' means a single human being and does not mean a firm, association of individuals, corporation, partnership, joint venture, sole proprietorship, or any other entity. ( e ) '' Person '' means a " person '' as defined in s. 1.01 ( 3 ). ( f ) '' Personal identification information '' means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual, including any : 1.Name, postal or electronic mail address, telephone number, social security number, date of birth, mother 's maiden name, official state-issued or United States-issued driver license or identification number, alien registration number, government passport number, employer or taxpayer identification number, XXXX or food assistance account number, bank account number, credit or debit card number, or personal identification number or code assigned to the holder of a debit card by the issuer to permit authorized electronic use of such card ; 2.Unique biometric data, such as fingerprint, voice print, retina or iris image, or other unique physical representation ; 3.Unique electronic identification number, address, or routing code ; 4.Medical records ; 5.Telecommunication identifying information or access device ; or 6.Other number or information that can be used to access a person 's financial resources. ( g ) '' Counterfeit or fictitious personal identification information '' means any counterfeit, fictitious, or fabricated information in the similitude of the data outlined in paragraph ( f ) that, although not truthful or accurate, would in context lead a reasonably prudent person to credit its truthfulness and accuracy. ( 2 ) ( a ) Any person who willfully and without authorization fraudulently uses, or possesses with intent to fraudulently use, personal identification information concerning an individual without first obtaining that individual 's consent, commits the offense of fraudulent use of personal identification information, which is a felony of the third degree, punishable as provided in s. 775.082, s. 775.083, or s.
02/11/2016 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • NC
  • 28105
Web
I am the victim of identity theft and evidently that is humorous to Early Warning LLC, specifically said " XXXX XXXX, '' purported supervisor. I have exhausted innumerable hours correcting the impact of my identity being stolen years ago. It appears to be a never-ending effort to correct, prevent, and protect my public and private records. I have been able to get nearly all cleared up. I know for a fact that I had NO derogatory records as of XXXX/XXXX/2015 with XXXX or Early Warning LLC. I have a copy of my XXXX report, and Early Warning LLC confirmed again that there were NO derogatory records on my report. In fact, they confirmed to the bank that I have NO records at all reported. When opening a personal checking account, I was told by the banker that I had a report from XXXX XXXX XXXX, reported Deluxe Detect. When making further inquiry into the inaccurate record, it was found that a TOTALLY different social security number appears on this record, with my other identifying information. I 'm sick of this to say the very least. The banker called the Early Warning department that speaks directly with banks, and Early Warning LLC communicated directly to the banker that as of XXXX/XXXX/2015 there were NO records at all that appeared on my consumer report. They further stated that they DID NOT provide this XXXX XXXX XXXX record to XXXX. When speaking with XXXX XXXX, the banker was told that they received the record from Early Warning LLC. This is just plain blatant disregard for FCRA and the accuracy of reports, especially for victims of identity theft. Early Warning LLC then advised the bank that they would forward verification directly to them to show NO records. I was told by the banker to return on today to sign my signature card for the opening of my account. When returning to the bank, instead the banker advised she 'd received nothing from Early Warning. I immediately called back to Early Warning LLC. The initial rep told me that the XXXX XXXX XXXX record had been ADDED to my report after they spoke with XXXX XXXX on Wednesday. I was completely taken aback that they would ADD a clearly inaccurate record ( which displays a totally different social security number ) to my consumer report. I demanded a supervisor - said " XXXX XXXX '' who was rude at onset of conversation. She claimed they did n't " add '' it in a condescending way. Semantically, they may not have " reported '' it BUT they assuredly " added, '' " inserted, '' or otherwise included a record that did n't appear before today, and had been previously regarded as inaccurate and NOT included on my consumer report. She also claimed that they did n't have a copy of my police report for identity theft. This is becoming a broken record response from XXXX, XXXX, XXXX, and all of these so-called legitimate credit/check reporting agencies. I 've uploaded the documents right here through the CFPB online portal for each complaint I 've sent. The repetition and consistency I 've exhibited makes it HIGHLY UNLIKELY AND ILLOGICAL that I have not perfected service of my records showing indisputable proof that I 've been the victim of identity theft. So here I am AGAIN having " only the option '' according to said " XXXX XXXX '' to file a dispute and WAIT for the processing time. There should be more immediate and binding relief for victims of identity theft and IMMEDIATE and BINDING SANCTIONS for these agencies. Now " get this, '' XXXX XXXX claims that they " have no dispute process that they accept from consumers. '' Really?! The express fact that they do n't is a DIRECT VIOLATION of the FCRA. I have submitted my dispute to Early Warning LLC, but according to XXXX XXXX have no recourse through their company. An FTC complaint and lawsuit can correct that I 'm sure. That really needs to be investigated by the Attorney General under unfair business practices.
10/18/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 77090
Web
On XXXX XXXX I received an email from XXXX someone called XXXX XXXX claiming to be from the HR department employee of XXXX XXXX XXXX About a remote job for Data entry clerk position. when I received the email i was very excited specially after I looked up the company on XXXX and it seemed like this might be the ideal start for my career. Then I did interview with them over Phone they offer me the remote job position and said all paperwork will be done after two week of probation period and it will be paid a probation period. They ask me that I have any printer on my place or not, they said to setup a remote workstation in my home they need my address they will send me a check to order all the laptop, software, and other thing so for issuing a check they need my baking information and I send them everything. Then they asked me to buy business check refill paper and they sail we will refurbish me. After buying that they send me a check of {$2900.00} from XXXX XXXX by email said to deposit that on my XXXX XXXX and I deposit the check to my XXXX XXXX XXXXXXXX XXXX physically on XXXX XX/XX/2023. After that I was told by email that I will be contacted by a gentleman named XXXX by phone number ( XXXX XXXX XXXX XXXX ) another HR employee of XXXX XXXX and I have to follow his instruction. After I deposited the check I was instructed by both XXXX to pay XXXX XXXX {$2000.00} by zelle for branded equipment that I would require for performing job remotely and after payment the vendor provide me tracking ID. After every payment they asked me to send screenshot to payment to XXXX XXXX number and to the email address of XXXX XXXX and I did as they said it was needed for finance department documentation process. As per instructions from XXXX I send {$2000.00}, via zelle to XXXX. I send that on XXXX XX/XX/2023 via my zelle which is linked with my bank. Then the next day XXXX XXXX I was instructed to send the remaining {$950.00} to the same recipient XXXX XXXX. However, it did not go through and when I inquired with my bank they said that the recipients bank was frozen. That made me suspicious. I let XXXX know about the zelle issue and then I got an email from this XXXX instructing me to send the money to another Zelle ID XXXX. When we tried to send the remaining it didnt go through and eventually my banking App access got blocked. Then I contacted XXXX again and this time they started telling me to send the money {$950.00} by XXXX or XXXX XXXX which made me more suspicious. Finally I looked up the number of XXXX XXXX XXXX and called in and the lady who answered said if it is an email from XXXX XXXX. then it is fraudulent because she used to work here before then her account got hacked and no one work there named XXXX. On XXXX XXXX XXXX XXXX reverse the deposit of {$2900.00} I made on XXXX XXXX through the check of XXXXXXXX XXXX I was given by email. After that I call XXXXXXXX XXXX, they told me make complaint to the bank you hold account with. I called XXXX XXXX they told me that was a bad check with frozen account so the reverse the money but in this scam, I lost my own {$2000.00} dollar money which was send by zelle to XXXX. I talked to zelle customer service, but they are not ready to give me back my XXXX-dollar zelle amount as I send the money by myself. Now XXXXXXXX XXXX and zelle no one is ready to return my own money which I lost by zelle Scam. XXXXXXXX XXXX send me a substitute check with a letter by mail on my home address that told me I can claim refund for this substitute check and money reversal within 30 days if I suffer any financial loss in this process so I call them try to make a claim XXXX said you can not make a claim as you deposited the check to bank not anyone else, I just want my {$2000.00} zelle scam money back that was my semester fee payment for last semester of graduation.
03/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • VA
  • 222XX
Web
1. In XX/XX/XXXX, I opened a checking account with XXXX XXXX XXXX. at the new XXXX Branch, in XXXX, Virginia- in response to repeated direct ( and unsolicited ) mail flyers proclaiming cash rewards of $ XXXX {$600.00} for switching direct deposit accounts. I was then- and remain now- a single parent struggling to pay court- ordered daycare costs- and six-figure divorce lawyer debt. As such, I accepted the offer- once the branch manager assured me that my electronically- deposited tax refund would guarantee my receipt of the {$300.00} transfer bonus. 2. In the last week of XXXX, XXXX I received my federal tax refund- electronically deposited to the new, promotional Chase checking account- and waited weeks for the {$300.00} " BONUS '' to be added to my account by XXXX XXXX XXXX XXXX In fact, I ADDED that {$300.00} bonus- which they had assured me was pending- to my checking ledger, as a CREDIT towards pending transactions. 3. In XXXX of XXXX, I contacted XXXX repeatedly after the {$300.00} bonus never appeared in my account- which caused my account to OVERDRAW. Naturally, they NOW claimed that they never said my tax refund would result in receiving their promotional " bonus '' - and that they would NOT honor the promotion until my employer made several automatic deposits. Furthermore, they blamed my overdraft balance purely on my personal negligence- and sent this balance to their collections department. On principle, I refused to pay the collection account. 4. Seven months later, when I went to open a simple, overdraft SAVINGS account at my original ( XXXXXXXX ) bank ( which holds multiple loans and insurance products ), XXXX indicated to me that it would be impossible for me to open a savings account with them now- due to my EARLY WARNING SYSTEMS status. 5. I contacted EWS in XXXX XXXX and they told me to order one of their consumer reports. I did so- and a few weeks later received the report- which indicated that XXXX XXXX XXXX . had reported me to EWS for FRAUD and/or ACCOUNT ABUSE. I then contacted XXXX to ask them to correct this apparent error- explained the discrepancy- and they steadfastly REFUSED. The report is attached, below. 6. Subsequent to Chase collections ' refusal to amend the EWS status, they " offered '' me a settlement as ransom to unfreeze my XXXX status, through EWS. As of XX/XX/XXXX, I PAID XXXX {$160.00} of the disputed {$300.00} balance, with their emphatic assurance that this payment would permanently resolve the matter- in its entirety. 7. As of XX/XX/XXXX XXXX XXXX, I emailed EWS a photo of the notice of settlement that I received by mail from XXXXXXXX XXXX, AFTER they took my {$160.00} " settlement ''. This document is attached, below, for CFPB records. 8. On XX/XX/XXXX at XXXX XXXX. EST, I contacted EWS to confirm by phone that they had RECEIVED a copy of XXXX 's settlement- and that XXXX had REMOVED the disputed allegation of account FRAUD/ABUSE. 9. On XX/XX/XXXX at XXXX XXXXXXXX EST, " XXXX '' of EWS indicated to me that XXXX HAD confirmed to EWS on XX/XX/XXXX of XXXX that I HAD paid my so-called settlement in full- HOWEVER that- after having accepted my settlement payment- Chase had now elected ( through EWS ) to LEAVE the allegation of fraud/abuse ON my EWS consumer report- FOR A PERIOD OF NO LESS THAN FIVE YEARS- which " XXXX '' of EWS indicated that XXXX was fully within its discretion to do, under the auspices of the Fair Credit Reporting Act ... I ask YOU to ask yourself- as the CFPB- do YOU think there may be a conflict of interest between a network of banks that PAY for EWS subscriptions and thus furnish EWS ' SOLE source of revenue- and a supposedly IMPARTIAL EWS which allows banks like XXXX to take our money, whilst simultaneously destroying our ability to prevent the very overdrafts which they claim to be punishing us for? (? )
08/10/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • IL
  • 605XX
Web
I was frauded out of the following Zelle payments for a good never received. Payment of {$980.00} on XX/XX/2021, {$1700.00} on XX/XX/2021, and {$910.00} on XX/XX/2021. I was told by a XXXX customer service employee that there are times that XXXX has reversed Zelle payments sent, but the reversal is time-sensitive and must be done right away. I did not get the option to reverse/cancel the charges because Zelle would not assist me because I made the Zelle payment via XXXX portal, and XXXX fraud department was closed Saturday and Sunday. By the time I called back during XXXX fraud business hours, I was informed it was too late and to file a police report, which I did. I have documentation of XXXX customer services stating months after the fraud took place that they, as a courtesy, attempted to recover the funds, their attempts were unsuccessful. - If Zelle would have attempted to help me the day the transactions were made or if XXXX XXXX fraud department had been open over the weekend, took my call, and offered me a courtesy attempt to recover the funds, I would not be in this situation. Insurance policies cover XXXX. If I fell asleep with candles burning and the candles catch my drapes on fire, in turn, burns the house down, I'm covered up to my limits. Why does XXXX offer their customers Zelle if the same XXXX credit card protection doesn't insure their customers? I was scammed. I lost thousands of dollars because I purchased a good that was never delivered. My loss was not intentional. My claim/complaint is XXXX offered me Zelle, and neither company provided me with adequate warnings that the transaction wasn't insured. It is not enough to give critical information that Zelle transactions are not insured buried in a dense mailer or easily clickable scroll-down terms. I am an average person, and I did not receive an understandable, visible warning. I feel XXXX and Zelle should be held liable for offering a platform for criminals to fraud their customers. The crime occurred via XXXX portal using the Zelle service. I'm one of the thousands of people who have come forward to tell their Zelle fraud heartbreak. By providing XXXX customers the option to send money via Zelle, XXXX has allowed these sorts of crimes to happen on their platform, their watch. These crimes carry with them a substantial risk of great public harm. The financial losses caused by Zelle fraud have caught the interest of our government. It is my opinion that it's a matter of time that the government holds Zelle and their providers liable by indicting the corporation that has provided the platform. XXXX and Zelle are aware of the obscene amount of fraud taking place via Zelle. XXXX and Zelle knowingly and intentionally are benefiting from their partnership at the cost of their customers. XXXX and Zelle should be held liable for a failure to provide adequate warnings on a product that has caused their customers to suffer mental and financial injury as a result. I had no idea sending money via Zelle was a risk. XXXX must be aware that a large percentage of their customers do not read the entirety of pages of terms provided in small print for review. XXXX must have known that some customers would misuse Zelle in a predictable way because of the similarity to XXXX, a service that allows you to send money via email. Unlike Zelle, XXXX offers consumers to dispute charges, and XXXX has the power to refund transactions for a good never received. XXXX and Zelle failed me and many others by not providing ample warning of the consequences of the predictable misuse. The risks of that use were not obvious, and I will continue to pursue XXXX and Zelle for a failure to warn me. If XXXX can be sued for providing a platform for criminal activity, then why can't XXXX be held liable for providing a platform for criminal activity?
05/02/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NJ
  • 07719
Web
On Friday XX/XX/2020 I made a purchase on the website XXXX for {$290.00}. When I went to check out I was only given the option to use XXXX XXXX, XXXX XXXX, XXXX, or Zelle. I was unfamiliar with all of these payment methods, but signed up for XXXX XXXX and tried to transfer the payment. I had received an email stating that I should send a picture confirming my payment to an email address and then my order would be shipped. When I tried to transfer funds using XXXX XXXX it did not work so I decided not to proceed any further with the order. A few minutes later I received a text message from someone stating they were customer service for the website I had been using. They said the noticed I placed an online order but my payment had not gone through. I explained I tried to use XXXX XXXX, but for unknown reasons I could not transfer the payment. He suggested I use XXXX XXXX instead. I then download and try to transfer payment via XXXX XXXX, but again, the transfer would not go through. At this point the " customer service '' person suggest I use Zelle. I download Zelle and I am redirected to my own bank account app where I am then able to transfer the money to a new email address and contact. The payment goes through and I send a picture of my payment confirmation to all email addresses provided to me during this afternoon ( about 4 in total ). I text back the " customer service '' person and say the payment went through, he responds and says my order will be shipped in 48 hours. I receive no responses from 2 of the email addresses ( which appear to be personal email accounts ) and the 2 emails to the XXXX accounts are bounced back to me with a message saying these addresses are not in service. I never receive tracking information. I continue to email the 2 personal email accounts over the next few days ( XX/XX/XXXX, XXXX, XXXX ) and no response. I call and text the number that contacted me, no response. Finally, I realize I have been scammed. I look for similar experiences online and find a thread on XXXX describing exactly the same experience I had. So, I contact my bank. Since the Zelle app directed me to transfer money through my bank app I realize maybe I can reach out to my bank and try to at least report this scam and see what my options are for a refund, if any. At this point, I accept that I have unintentionally transferred money to a scammer and at the very least want to make sure this does not happen to anyone else. I call my bank ( XXXX XXXX ) on XX/XX/2020 and speak with a representative. I am told that there is nothing XXXX XXXX can do, as I willingly made the payment through Zelle, but they have heard of similar scams before. The representative says my only option is to contact Zelle. I attempt to contact Zelle, but their automated service says that if there are any issues with a payment my only recourse is to contact my bank and see if there is anything they can do. I am not even given the option of speaking to a representative. I go to the Zelle website and search through their information about fraud and scam. They claim there is nothing they can do and that if customers have this experience they should remember only to transfer money to family and friends. Both my bank and Zelle told me to contact the other for a solution that neither provided. I was misled to think that I was making a purchase through a trusted source. I understand that my ignorance about such scams led to this incident. I strongly believe there should be more regulation about this type of money transfer as well as more accountability and security regarding this type of scam. After sharing my experience with a friend who had a similar experience, it was suggested that I should file a complaint with Consumer Finance Protection Bureau to hopefully make others aware.
06/05/2018 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 75061
Web
Late XX/XX/XXXXI bid for a XXXX on XXXX. I did not win the bid but the seller reached out to me on XX/XX/XXXX. He told me that he had a second that he wanted to sell if I was interested. We exchanged emails via XXXX and he gave me his phone number and email via an attached business card. Email reference id : [ # XXXX # ] _ [ # XXXX # ] XXXX XXXX XXXX - XXXX - XXXX ( XXXX ) XXXX We emailed back and forth a couple of times and had a phone conversation on XX/XX/XXXX. Emails were initially exchanged via email XXXX as well as the email for the initial payment. I made the negotiated payments in 2 installments of {$1000.00} each. Prior to shipping the item he offered a second device for a discounted price since the XXXX bidder fell through. I fell for it and provided payment in additional installments as shown in the banking transaction history. Over the course of the next couple of weeks, there was always an excuse. First he stated that he shipped it but didn't have the shipping label number so we couldn't track it. Then he shipped it again, supposedly, but gave me a tracking number that did not match the size/weight of a single device, let alone two. That " shipped '' item never showed scanned in. XXXX told me that the post office lost it but recovered it about a week and a half later. XXXX offered to fly out to XXXX area to bring the computers provided I could make the rest of the payment installments. I did and I do not know if he was actually here in XXXX area, but he was always conveniently not available, phone turned off, or 'just missed ' me. He returned and we still didn't have anything resolved. There were several additional attempts made over the next couple of months ( I have documentation for all of it ) where he said he attempted to send via XXXX XXXX, XXXX, another XXXX transfer and all supposedly failed. XXXX XXXX he stated he forgot to get the tracker so I couldn't track it, it took. him several days to get that order canceled. We had similar issues with XXXX and XXXX, he stated he transferred but they were never processed and sent over to me. Supposedly, XXXX 's father died, causing delays in the process and then there was another issue with another family member. XXXX told me that a friend was going to manage this for him as he had no time/bandwidth to fix this. Meanwhile, while all of this was going on, I had been emailing his 'fried ' XXXX to try and get resolution on that side. My gut told me that this was the same guy posing to be two different people. Now I am dealing with 'XXXX ' as the friend and we are repeating the same issues. Supposedly they are being sent but nothing is reaching me. Every time something is supposedly sent, they don't have a tracking number or transaction number. At this moment, it has been over 4 months without any resolution and no refunded monies. I have contacted XXXX to dispute but they said they were unable to help me and that XXXX had to do it, but if I got a police report and the police got involved, they could help. I filed a police report and they told me they couldn't help as it was internet fraud and out of their jurisdiction. I went to XXXX to try and get a resolution and they refused to help me. I then filed a complaint against XXXX with the XXXX to try and get a resolution, at that time they closed the case and told me that they couldn't help me. I filed an XXXX complaint on XX/XX/XXXX and have never heard back. I am at a total loss at this point and my naivety has put me out of a lot of money. The sum is large enough to be a felony, if I understand correctly. I need an advocate on my side who can help fight this and ultimately get XXXX to reverse the transaction and go after XXXX XXXX XXXXo get the money from their customer. This shouldn't be that difficult. Please help me!
10/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75087
Web
Early Warning has information in my credit file / consumer file that is the result of identity theft. These are identified below. I have already reported these to the FTC as Identity theft. I am a victim of Identity theft and there are incorrect account 's that were opened as a result of identity theft it appears which are listed on this early warning report. Consumer report ID # XXXX. None of these account 's are mine. These are opened from thieves and I already reported these to these institutions. XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX Account # XXXX XXXX. Account not authorized. Not opened by me. Opened by a thief. XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX Account # XXXX Fraud Account, Not authorized. Opened by a thief. XXXX. XXXX - XXXX Ref # XXXX Account # - XXXX Invalid Address, Invalid Email Address, Account not authorized, Account application not signed by me. Fraudulent account. XXXX 's never received. No monetary transactions ever conducted, Did not authorize account to be opened. XXXX. XXXX XXXX XXXX XXXX. Account # XXXX Account not authorized. Opened by a thief. XXXX XXXX XXXX Account # XXXX Not authorized opened by identity thief. XXXX. XXXX XXXX - Account # XXXX Not authorized. Identity theft opened by XXXX XXXX in new account scandal. XXXX. XXXX XXXX - Account # XXXX Not authorized no application was conducted by me. Fraudulent. XXXX XXXX XXXX Account # XXXX Not authorized. No application was signed or conducted by me, Account was opened online. Nothing was sent to me, fraudulent account. XXXX. XXXX XXXX - Account # XXXX Not opened by me not authorized to be opened, Advised wells fargo of the identity theft. Filled out Identity theft affidavit and returned to XXXX XXXX. Closed due to fraud. XXXX. XXXX XXXX - Account # XXXX - Not authorized by me account closed due to identity theft. No debit card was ever received. Did not sign any account opening documents. Fraudulent. XXXX. XXXX XXXX - Account # XXXX - I do not conduct business with XXXX, I have never conducted business with XXXX. Address on the account is a fraudulent address does not match my license, does not match any documentation. Nothing was signed for XXXX. XXXX has not sent me any documents relating to this account. No debit card was received. Account is and was fraudulent. XXXX. XXXX XXXX - XXXX Not authorized again no application was ever signed for XXXX. XXXX did not clear my credit reports fraud alert. XXXX did not contact me.Accounts are not authorized were not authorized. Address listed is fraud. XXXX. XXXX XXXX XXXX XXXX - XXXX Not authorized account not opened by me, Account was opened online as a result of fraud. Not authorized. XXXX. XXXX XXXX - Account # XXXX Account not authorized. Opened as a result of fraud. Never applied for any account 's with this bank, and I am definitely confused because they have updated the address on this account, and I have no knowledge of this account. I never signed or received anything. I did not authorize them to update the address either. XXXX. XXXX XXXX - Account # - XXXX XXXX Account, nothing was authorized from me. Never was aware of this account. Did not receive any funds from this account. XXXX XXXX XXXX Account # XXXX XXXX Account, XXXX XXXX as a result of identity theft. XXXX. XXXX XXXX - Account # XXXX. Again Account is fraudulent identity theft, XXXX never received. Did not open this account, and did not authorize this account to be opened on my behalf. XXXX XXXX Account XXXX - XXXX Fraudulent account, Fraudulent Application not authorized. Opened as a result of identity theft. Fraudulent inquiries - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/13/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 925XX
Web
Me and my family were looking forward to owning XXXX XXXX XXXX puppies as our first family dogs but we ended up just trying to get one and got scammed in the process. Basically, we found a website called XXXX XXXX XXXX. Each of these XXXX XXXX puppies were {$550.00} each from Nebraska while we live in California. We were interested in 2 of the pups so I put in my email and phone number. The next morning XX/XX/, I got a text and email from the breeder asking if I'm still interested and other information about the puppies. We kept texting and texting, and later on we decided we just wanted one female pup. They then said the total with shipping was {$730.00} and they were asking me my full name, address, city, closest airport, etc.. After that, they told us the payment was by quick pay with Zelle XXXX online banking and our bank is XXXX XXXX XXXX This was new to us because we never used Zelle. After that he gave us his name and email to send him the money through Zelle in XXXX XXXX. I asked him when the puppy will arrive and he told us they can ship tomorrow or the day after. He also said that he'll provide tracking information as soon as he gets the money. So I sent him {$500.00} that day and {$230.00} the next day on XX/XX/XXXX since XXXX XXXX can only send {$500.00} daily. Both times I sent him money, he asked if I can screenshot the payment for confirmation which I did. The next morning XX/XX/, My son was kind of skeptical about this so I asked the breeder if it wasn't a scam or anything and he said it's legit. I also asked him if we can video chat and see the puppy but he apologized and said they didn't have an option for that. That's when it sort of gotten fishy. But at the same time, he was sending us pictures and videos of the puppy so we believed it. After that, he told us they'll ship the dog tomorrow in the morning with tracking and it would arrive around XXXX to XXXX XXXX. So in the next morning XX/XX/, we got a text from another phone number claiming to be an agent from XXXX XXXX XXXX stating the details and tracking of the delivery. The XXXX XXXX XXXX XXXX said they got the puppy and told me to reply to the email they sent asking if my address and information was correct. The weird thing was that the email said " XXXX XXXX XXXX '' which wasn't even the same dog breed. However, the tracking said " XXXX XXXX '' which was right. I texted the breeder about this and he said it was probably a mistake and that I can call them to confirm that its a XXXX XXXX puppy. I tried calling the XXXX XXXX XXXX website 's phone number but it didn't work which was weird. I responded to the email and phone number saying everything is correct. After that, they sent me another email saying I have to pay {$990.00} minimum for a pet carrier which the breeder was supposed to provide. This was when I knew it was a scam. I asked the agent why I had to pay for the pet carrier and how the breeders are supposed to provide that. I got no text after that. Then, I texted the breeder about this and how I wanted my money back. I got no text after that either. After that, my son looked up the website on XXXX and found out another person had also gotten scammed from the website and same breeder. Additionally, XXXX XXXX XXXX is a fake shipping company. We also found out that Zelle doesn't have fraud protection but we still tried calling Zelle however, they said that only our bank could handle our issue. We have already filed 2 claims with our bank but they couldn't do anything about it because they said that we agreed with the Zelle payment but we didn't even know it was a scam at first and we didn't know anything about Zelle. I have saved both the breeder 's and fake shipping agent 's numbers as well as the conversations.
11/20/2022 Yes
  • Money transfer, virtual currency, or money service
  • Foreign currency exchange
  • Fraud or scam
  • KS
  • 66049
Web
To ZELLE, I have spent several times ceaselessly trying to inform and alarm your company regarding the fraudulent activities of a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, this company doing illegal and fraudulent activities for a scam company called XXXX ( Sometimes called XXXX XXXX ). Unfortunately, your network continues to brush off all my attempts. Your staff is mistaking me for a fool by repeating the same sentence over and over. I provided the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, account information to your staff and pleaded with them to freeze the account and tip the FBI, law enforcement, and the Attorney General of Kansas. I would be more than happy to provide all my case numbers and any information to you. Your company continues to provide no useful action against the scammer and wastes valuable time. Now there is a good chance this scammer has withdrawn all their money and fled the country. Since XXXX XXXX and its agents have started scamming people and hiding their assets at your network or other banks under different accounts and different business names. Unfortunately, your company refused to take any action against this scam and block them. If your network would have acted earlier, I and countless others wouldnt have been scammed in XXXX. Your company should have been asked and demanded extensive information on the relationship between your client XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX. Your company should know why XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, doing illegal activities with XXXX and hiding their money in your network. It is very shameful that no one in your company is doing any research or investigations on this fraudulent business of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, this company and the XXXX are scamming hardworking people like me and hiding their money in your network. Your networks action is very similar to the bank XXXX XXXX using XXXX money in their banks and gaining profit while poor innocent XXXX people XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My current life goal is to bring down the XXXX and end their fraudulent activities. I dont mind adding your network to the list of hurdles I must overcome to accomplish this. This company is holding over XXXX XXXX dollars of my money and I cant even touch it ; I can not withdraw a single dime. There are hundreds of people like me. I am not going to give up fighting until I bring the XXXX down and end their fraudulent actions. Either you are helping me and assisting me in this fight or youre compromising your morals to stand with this scam of a company. I opened a case with the FBI, FTC, XXXX, CFPB, the Attorney General 's office of Kansas, and Local Law enforcement. I will take my fight to social media, TV, Radio, and newspapers. As XXXX of the biggest digital payments networks in the land, you dont want to aid and assist fake and fraudulent companies. I am strongly advising and suggesting freezing any open account left on your network until all of the investigations are done properly by the FBI, law enforcement, and the Attorney General of the state of Kansas. The worst thing that could happen is if they withdraw all their money and flee to a different country. This is a very serious and urgent matter please take it very seriously. Here is the account information and business name of your client who doing illegal activities for XXXX : ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely XXXX XXXX
01/17/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 754XX
Web
On XX/XX/23, I was selling a couch on XXXX XXXX for {$300.00}. A user named XXXX XXXX was interested in the couch, ready to pay for it, scheduled a pickup time, and wanted to use Zelle as the payment method. He asked for the email address associated with the Zelle account so he could issue the {$300.00} payment. I got an email from ZELLEXXXX XXXX XXXX stating : " We have a problem crediting your funds ( {$300.00} USD ) because your account is not a Business User which makes your account have limits. This amount seems to be above your limits so you have to take this urgent step to expand your limit. Expand your account into a business account, contact your payee ( XXXX XXXX ) to send in an additional payment of {$200.00} USD into your Zelle account to expand your limit. Soon as this is done, we will credit your account with the whole sum of ( {$500.00} USD ) '' The next email stated : " Amount : {$300.00} USD Account XXXX : {$200.00} USD Total Amount : {$500.00} USD REQUIREMENT TO GET YOUR FUNDS FOR BOTH PARTIES PROTECTION. We congratulate you for successfully upgrading your account to a Business User which gives you XXXX XXXX to receive any amount of money from now on. For your account to be credited fully with the sum of ( {$500.00} USD ). You are required to contact the sender to refund back the sum of {$200.00} USD so as to secure the Additional Payment sent to expand your account. transfers INSTRUCTIONS BELOW **Contact ( XXXX XXXX XXXX for the Zelle agent information to refund back the ( {$200.00} XXXX ) **Kindly send a screenshot of the Refund payment been sent to confirm and release the total sum of ( {$500.00} USD ) automatically into your account immediately. '' I reached out to XXXX XXXX to let him know and he said this is the usual process for updating a Zelle account to a business account and he gave me his username. I sent over the {$200.00} and then got another email stating : " Hello XXXX XXXX This is to inform that your funds has been approved, In order to get the full total {$500.00} USD transferred into your zelle account, you are hereby to pay the certificate form fee of {$300.00} USD so that we can start the processing of the funds, the certificate form fee represents the approval of your funds and also stands as insurance to your Business account, the money will be added to your pending fund and you will be credited fully with the sum of {$800.00} USD. Below Is The Instructions : Send the certificate fee by sending to the zelle below you are to send it to the zelle info Amount : {$300.00} Name : XXXX XXXX Email : XXXX Note : Once you send the money get back to us with the screenshot and you will be credited in one seconds thanks for using the zelle '' I said this is really weird but XXXX ensured me it's normal so I sent the {$300.00} payment to XXXX who claimed to work at Zelle. After the Zelle payment went through, I received another email from ZELLEXXXX XXXX asking for a " GOVERNMENT APPROVED FEE '' of {$500.00}. This is when I replied to the email to cancel the business account application, requested a refund of {$300.00}, and asked XXXX to use another form of payment. I also asked if he would refund me the {$200.00} I sent him and I'll send him the {$300.00} he sent me. He said that is impossible without following the steps of the emails and then I realized I had been scammed. I deactivated my Zelle account through my XXXX XXXX XXXX and I will never use it again. On XX/XX/23 I called the XXXX Claims department and filed a claim, and they said they will not reimburse me for the scam and they would file a claim with Zelle, but it is unlikely Zelle will help me. I can provide screenshots and user info.
04/05/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TN
  • XXXXX
Web Older American, Servicemember
On XX/XX/2023 @ XXXX XXXX I received a text from XXXX. The message said " Your account details are incomplete. Please verify now at XXXX? XXXX '' I clicked on the link, tried to logon using my user name and password. Logon didn't work so I closed the browser. ( See Attachment 1 ) On XX/XX/2023 @ XXXX XXXX I received a text from XXXX ( XXXX ) XXXX. The message said " XXXX XXXX XXXX : Did you attempt to use your card for {$240.00} at Target XXXXXXXX XXXX XXXX XX/XX/2023. If this was authorized by you reply YES, if not reply NO. Msg & Data rates may apply.On XX/XX/2023 @ XXXX XXXX I received a phone call from XXXX ( XXXX ) XXXX. The caller ( who I now know was the scammer ) said, " This is XXXX XXXX, did you just reply NO to the XXXXXXXX XXXX charge at XXXX? '' I said yes. Caller said " good, for security purposes we're going to lock the account '' I said OK. Caller hung up. Callers speech was heavily accented and phone line had a lot of static. ( See Attachment 2 ) On XX/XX/2023 @ XXXX XXXX I called the XXXX XXXX branch office at XXXX XXXX XXXX. XXXX, TN XXXX and spoke with XXXX. I told XXXX about the funny text messages and phone call. She said, '' I see no credit card transaction for XXXX in XXXXXXXX XXXX but I do see that a Zelle account was opened in the name of XXXX XXXX XXXX with Email address XXXX and a transfer request was submitted for transfer of {$2500.00} from your checking account XXXX to the Zelle account Email address XXXX. I said, my account has been hacked. I don't have a Zelle account and I did not request a transfer. Can you cancel the transfer request. XXXX said, " Can't cancel the request, it's in pending status. You need to go immediately to the closest XXXX branch and report this in person ''. I went to the XXXXXXXX XXXX office on XXXX XXXX in XXXX, TN and met with XXXX XXXX. Asked XXXX to cancel the transfer request. He said that he couldn't. Had to let the request clear " Pending '' status and then file a request for refund of the stolen funds. Advised to return on XX/XX/2023, after " Pending '' status had cleared. I returned to XXXX XXXX in XXXX on XX/XX/2023 at XXXX XXXX and XXXX completed a " Claim '' to be submitted electronically. I proceeded to XXXX Police Department and submitted a report of stolen funds ( XXXX XXXX XXXX ) on XX/XX/2023 at XXXX. That evening received an Email from XXXX saying I needed to return to the bank to sign a hard copy of the " Claim ''. On XX/XX/2023 at XXXX, I return to Regions, signed the " Claim '' and asked XXXX for the phone number for Zelle. XXXX didn't have the phone number. I XXXX searched for Zelle Customer Service. First website for Zelle Customer Service was associated with URL XXXX XXXX XXXX XXXXXXXX. I clicked the " Call Now '' button and was connected with the scammers who proceeded to ask if I had any more bank accounts at which point I hung up. This URL is labeled " XXXX and XXXX XXXX '' in my search history. Believe the phone number associated with their " Call Now '' button is XXXX ( XXXX ) XXXX. Next, I called the real Zelle by dialing the central number for Regions and then keying in 2. I informed Zelle that the scammers were front ending their website in order to to intercept phone calls. Zelle said there was nothing they could do. Next I reviewed Emails generated by XXXX XXXX on XX/XX/2023 ( See Attachment XXXX ). The most relevant Email was an Alert saying they were unable to confirm the identity associated with the Zelle account created by the scammers. Said they would cancel the transaction unless called them to confirm identity. I never called Zelle to confirm but Zelle allowed the transation to execute without my confirmation.
08/12/2019 Yes
  • Money transfer, virtual currency, or money service
  • Money order
  • Fraud or scam
  • KY
  • 40220
Web
XX/XX/XXXX - I placed ad in XXXX for selling my home items - bed set, mattress, sofa couch, tables and chairs - altogether it was XXXX USD Person introduced with name " XXXX '' he is ready to purchase all home items mentioned in the ad total for XXXX USD - he is moving to XXXX and he want to stock this items with movers company to pick up over the weekend. He informed me that XXXX USD cheque send to my home address, balance of XXXX USD to be given as cash to the mover company who is coming to my house over weekend to pick up the household items. So I believed this was not scam because someone will come to my home with pick up then i need to give for cash ( GOD GRACE that did not happen else i would have lost all my home items with more money transferred to scam ) he said he is in XXXX business trip and he will not able to come to pick up so he arranged movers company But what happen was day before that weekend he called and said movers company is troubling him to get money transferred to their account because of truck gas, transport charges they do not need cash in hand. they committed to arrive XXXX XXXX on Sunday - he request to do transfer through XXXX mobile banking - Zelle app I never used Zelle and asked 1000 times to him that it looks if you lost money and my home items - it is bad for both of us he said those are known movers company - he requested me to transfer XXXX USD which was his balance to his zelle account email address " XXXX '' I did received scam check on XX/XX/XXXX Tracking number XXXX from USPS - check amount XXXX USD He asked me to do " The check is written in {$1400.00} you would deduct your own and give remaining amount to the movers once they get to your place for pickup you would help me to give the movers {$1100.00} '' - I believed this words 100 % Once the check send to my mail - he called 3 times in XXXX on same day XX/XX/XXXX and explaining about Zelle - he said mover is going out of town and so he said to get money transfer to his zelle account so he can arrange for pick up soon - I believe this explanation - bad time here - he also asked for XXXX XXXX with below details Name : XXXX XXXX City : XXXX Zip code : XXXX State : New York XXXX XXXX somehow I registered XXXX mobile banking with Zelle - he said his friend who moved to XXXX has given the movers details - email address asked to transfer " XXXX '' I did registered for Zelle through XXXX mobile banking and did below transaction on XX/XX/XXXX for below transaction in Zelle XX/XX/XXXX - {$1.00} - Transaction sent to XXXX XXXX with Transaction ID XXXX XX/XX/XXXX - {$990.00} - Transaction sent to XXXX XXXX with Transaction ID XXXX XX/XX/XXXX - {$150.00} - Transaction sent to XXXX XXXX with Transaction ID XXXX Scam person with below details contacted through XXXX and phone call Name XXXX XXXX XXXX number XXXX ( XXXX ) XXXX - text messages mobile number XXXX XXXX XXXX XXXX - used to receive phone calls Scam cheque send tagged to the below address with bank details as below XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, TX XXXX ; Contact based on my investigation XXXX I went to XXXX and complained to high level department but they registered my case with XXXX escalation complaint number XXXX XXXX XXXX XXXX XXXX did not help in this case Please looking for your suitable guidance and firm punishment for this type of scam person - I have XXXX year old son i'm in need of my money which went as fraud transfer I really need of my money all this happen because of agree for cash in hand then all of sudden he moved to Zelle ( which is mistake i did ) Please read my case and consider my request to help me
12/17/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OK
  • 748XX
Web
This issue started in XXXX of XXXX. I am the Power of Attorney for my mother and opened an account for her with XXXX XXXX in XXXX of XXXX. I had a savings account with them at the time and everyone was very helpful when I called so I thought it would be a good fit for my mom if she ever needed to speak to someone about her account. A few months into her having her account she misplaced her debit card and called to get a new one mailed out. That card never came. We called in a second time to get the card replaced, again it never came. We were transferring funds from her checking account into my savings account during this time in order to get access to the money that was being deposited monthly into her account. We decided to go with a different financial institution in XXXX of XXXX and that was that. A few months later I received a notice in the mail that i owed a balance of XXXX that I was negative in my savings account. When calling in to inquire what the issue was I was advised that all of the transfers from my mothers account to my account had been reversed back to her account, that I did not have permission to make those transfers, they were fraudulent, and I was now responsible for that amount. They stated this information came from my niece and my mother. Let me repeat this again, I have FULL DURABLE POWER OF ATTORNEY over my mothers affairs, and in that POA it grants me the permission to handle all of her financial affairs, including the opening and use of banking accounts, however I deem necessary. I drove my POA paperwork from my home in Oklahoma, to the nearest branch which was 332 miles round trip, because they would not accept a fax from anyone other than someone in branch. I HAD TO DO THIS TWICE. What followed was monthly letters stating that they were working on the documentation and needed more time and I would then be given another date it would be finished. This went on for about 6 months. When the letters stopped coming, I called again and was told they could not find the account and it had been taken care of. I pulled my report with EWS and not only is that account on there showing the negative balance, there are 3 others showing up now. So I called today XX/XX/XXXX to see what was going on. My conversation started with XXXX in customer service, who transfered me to a lady whose name I did not get in Fraud, who transferred me to XXXX in closed accounts, who transferred me to XXXX in Collections, who transferred me to XXXX in Claims, who could not locate any account under my social security number or pull up the accounts that are listed as negative remarks on my EWS report. I spent 2 hours, go transferred 5 times, spoke to 6 people only to get referred back to the Fraud department, which i declined, and then was advised I would need to go into a branch. I am not driving 1 single mile for XXXX XXXX. This needs fixed NOW. They removed the money from my account, put it back into my mothers closed account, and then sent out a cashiers check for over XXXX that was never received. Basically they have stolen XXXX XXXX dollars from us and have placed derogatory and fraudulent information on my consumer reports in the attempt to steal another {$3400.00}. Its not going to happen. All of this information will be reported to the Consumer Protection Unit at the Oklahoma Attorney Generals Office to ensure that it is fully investigated. This information was also reported to EWS who temporarily removed the false information on my report, only to reinsert it at a later date. This needs to be permanently removed as it is incorrect and has fraudulent accounts associated with it also.
08/31/2022 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • GA
  • 30338
Web
What I expect from this investigation : 1. Reaching out to Police regarding the attached police report 2. Review the email chain attached which show evidence of hacking and a scam 3. Taking action against the XXXX XXXX, XXXX who scammed me who was a member on Zelle to get my money back. 4. Touching base with XXXX to make sure the details of my claim are discussed 5. A detailed statement confirming that a proper investigation took place on my claim and not a generic response from the company This is claim for a scam that was committed through Zelle via XXXX. Originally, they declined to reimburse me, however, this warrants a dispute. Zelle did not reach out to confirm the details of my legitimate claim. They also took no accountability for having a scammer on Zelle which makes me concerned about using Zelle. The response sent in the previous claim indicates that the user send money to those who they trust, which is what I did so I used Zelle in the manner it was intended. The scammer hacked the email address of my verified friend ( XXXX XXXX ) and had me send the money to their supposed Zelle account, which was an unauthorized transaction because I later found out that this was a scammer and not the original intended owner who had taken over my friends email. This type of scam is covered by the EFTA regulation 13 for the consumer. A legitimate police report was submitted to verify the situation as valid, however, this is not mentioned at all in their response. This all makes me question whether Zelle actually looked into my case at all. I urge Zelle to take a closer look at my case and touch base with the actual customer to ensure they are making an informed decision. I will be disputing the claim with my bank and Zelle again. Original details of the claim Date of transaction XX/XX/XXXX amount of money lost in scam : {$3000.00} I reached out to my local XXXX branch @ XXXX XXXX XXXX XXXX, XXXX Ga XXXX to ask them for assistance in how to get my money back as I was scammed out of {$3000.00} by using Zelle through XXXX. Someone hacked my trusted friends email account and asked if I could send Zelle for a purchase I had made on furniture we had agreed to. I sent it on XX/XX/XXXX and found out on XX/XX/XXXX that his email had been hacked and that never received the money. After several phone conversations with XXXX after hours line, an in person appointment at this local XXXX Bank, a phone conversation with Zelle where they refused to even let me discuss my case because they would only talk to XXXX, everyone came to the consensus to tell me that there was nothing they could really do and there was a slim chance of getting my money back. My local branch did nothing to advocate on my behalf when I went in for an appointment. When I inquired about my consumer rights according to EFTA regulation 13, they said that I had no consumer rights in this manner. They could not even call Zelle to speak to them on my behalf. Zelle is deemed safe through XXXX advertising, yet, when I called the after hours number with XXXX they said " they didn't even recommend customers use it. '' When I signed with XXXX I was not notified of this stipulation or cautioned about using Zelle. I have submitted a police report and was told XXXX would not submit it to Zelle as evidence. I have a police report and a witness that I wanted to submit with my inquire number XXXX filed with Zelle, however, they refused to add it to my inquiry to increase my chances of getting my money back with Zelle. I am submitting this claim so that they can fully review the case and see the complaint against their company.
10/26/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • KS
  • 66049
Web
Well I keep disputing fraudulent or incorrect activities via XXXX, XXXX, XXXX, XXXX XXXX and XXXX or XXXX, telling them they keep verifying inaccurate information which I can provide evidence to a judge but I'm not obligated to provide evidence of nonexistent actions to credit agencies I don't want contact with. So I applied for something and was denied by XXXX XXXX, who sent me a letter naming XXXX XXXX XXXX as the reporting agency they believe. Over me. So I investigate EWS and attempt to pull my consumer report from their website but they don't allow any online or alternative way of communication with them. So I look into other companies similar to that and come across XXXX. I pulled XXXX consumer report and XXXX sends me a report with no credit accounts or student loans like the credit bureaus insist upon showing to anyone who asks, despite repeated disputes. However, they do have addresses in a state I've never been to, hard inquiries that were all made while I was XXXX and a birthday that's not mine along with the last 4 digits of a ssn to *protect my privacy* along with the statement that that SSN became available to use in Kansas in the year AFTER the year of the birthday on file. They inform me they are REinvestigating because it appears that my identifying information is together with that of another individual, and they need ME to provide identification to them, in the form of a state photo id and the SSA. Then they say I can dispute any incorrect information THEY may have, or I can engage them to initiate a dispute to the carefully unnamed source that provides them their information. So I get on their website to dispute inaccurate information and it's impossible to do with acceptance of their forced recognition of MY CONSENT to their activities. Well, I never consented in the first place and I'm not going to start now. Nor will I provide my private identifying information, since they're obviously not able to verify their file as correct and mine in the first place. What I see is a fraudulent credit reporting agency defaming my character and making sure I'm financially blacklisted from the entire financial industry who has conspired to cause me harm but is technically in breach of THEIR fiduciary responsibility to THEIR clients, who is NOT ME but other CRAs who have been verifying false information and disclosing it maliciously despite my repeated disputes. Then, a few weeks ago, I tried to open a XXXX XXXX account but they DENIED my registration and showed that there's an account already associated with my information. So I've now emailed THEM three times informing them they need to handle that and they don't care. But that's the only evidence I provided to FTC or whichever federal agency that is in charge of oversight of fraud. There's a fraud alert on my account but I thought it was due to an individual identity thief and I'm officially claiming the CRAs and data brokerage firms are the cause of the fraudulent misrepresentation of my alleged information. I've suffered greatly because of this I'm not calling student loan agencies I've never heard of, I'm not providing accurate information after learning how unethical they are, and I just found out today that *my* " information '' was included in the security breach of XXXX from XX/XX/2017and I feel like if they knew that, why did I have to stumble upon that information several years after? If XXXX accepts my claim against that breach, why are they ignoring my disputes for fraud? And why are they more credible than i? I'm not known as dishonest or malicious OR incompetent!
06/12/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 91730
Web
On XX/XX/XXXX, someone from US immigration and customs enforcement ( XXXX ; can not remember the name of this person ) called me saying that I should be investigated by today for being a suspect of having double identity and threatening national safety because I have not given up my XXXX citizenship after getting US citizenship in XX/XX/XXXX. Even though I told them I did not know I had to and will contact the XXXX Consult when I arrive to California since I was at the XXXX airport moving back to California with my whole family, but she was reluctant. She told me to go to a private area for the investigation, so I checked in with my family first and told them to go through the TSA check first. For the investigation, she asked me when I came to US, when I received my XXXX XXXX, which bank I use, how much I have on my checking and savings account, if I ever received international money, etc. I do not remember if I gave her my SSN During the phone call with this person, a call from real XXXX police number ( XXXX ) came and she told me to put her on hold and answer it. The XXXX police named XXXX XXXX said she is at my apartment because I have an arrest order for the same reason and asked if I am running away. The immigration officer said she can help with the police situation by emailing her that she is already investigating me and said there is an option for me to pay the bonding fee for me to travel out of state and get investigated in California. She told me to open the pdf file on ice.gov and made me read some paragraphs out loud about bonding fee. She told me to download this mobile app called XXXX so that they can monitor my phone screen since I am still being suspected. She told me to log into the XXXX XXXX XXXX XXXX banking and told me to send money through Zelle to email address ( XXXX ) for {$3500.00} from my checking account as a bonding fee. I was very scared and they were monitoring me via screen so I was forced to authorize the payment. After the transaction, the immigration officer told me to wait for the call from police before going into the TSA check so I did, and I was finally released after getting a call from the police. The police said she will text me with her private phone number so that she can continue to investigate me tomorrow and sent me a text with this phone number ( XXXX ). Both of them emphasized me not to declare this issue to anyone, including my parents, because my parents may need to get investigated and penalized if I do so, so I did not. The next day ( XX/XX/XXXX ), XXXX XXXX ( introduced as a XXXX police ) called me again with the above number and said I need to pay more bonding plus attorney fees because the case must be transferred to California now. Again, she monitored my screen via XXXX app and made me sent her {$1700.00} twice to this XXXX address ( XXXX ) from my savings account. They forced me to authorize the payments by replying to security alerted texts from XXXX and everything. My parents were at home and keep interrupting that it is a spam but I still believed that this was the real government/police and believed that I will be able to get the money back once I am proved to be innocent as that is what she told me. After the call, I finally told my parents about the total amount of money and what happened, and we finally called the XXXX XXXX XXXX and Zelle for the spam report Bank recently denied my claim since I was the one who authorized the transactions even though that was not my will and recommended me to contact the receivers, which is impossible since they are scammers.
09/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 29501
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXXXXXX XXXX XXXX Address Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Early Warning Services Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear Sir/Madam, I am writing to formally request assistance regarding a critical matter that has significantly affected my financial well-being. I have recently become a victim of multiple identity theft incidents, which have had severe consequences on my financial stability and creditworthiness. I believe it is essential to address this matter promptly to rectify any erroneous or fraudulent information associated with my identity. I am providing this letter to both the Consumer Financial Protection Bureau, the concerned credit reporting agencies, XXXX XXXX, and Early Warning Services to ensure a comprehensive resolution of this issue. The fraudulent activities and identity theft incidents that I have been subjected to have caused damage to my credit reports and financial standing. These incidents have resulted in negative accounts, inaccuracies, and potential threats to my creditworthiness. The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in credit reports. I am committed to taking a stand in good faith and working towards a fresh start to ensure that my credit reports accurately reflect my true financial history, in accordance with the FCRA. In light of these circumstances, I would like to request the following actions : Remove all negative accounts and erroneous information from my credit reports, including but not limited to late payments, missed payments, and any accounts that do not match my accurate identity information. Correct any inaccuracies in my credit reports, such as checking overdraft activity and banking negative information, which do not belong to me. Ensure that my credit score reflects a fair and accurate representation of my credit history. I anticipate that my credit score should be at least XXXX, considering my responsible financial behavior and the fraudulent activities that have occurred. Respect my right to privacy and non-disclosure of my information to unauthorized entities, especially considering the identity theft incidents I have experienced. I kindly request that you investigate these matters thoroughly and take the necessary steps to rectify the inaccuracies and fraudulent entries on my credit reports, including XXXX XXXX and Early Warning Services. I am also enclosing a payment of {$1.00}, which I believe represents the full value of any debts I may owe but take no responsibility for due to identity theft. Please consider this as a token of my good faith in resolving these issues. I must emphasize that I did not cause these issues, as my personal information was compromised during the XXXX breach, and I have evidence of unauthorized access from individuals in XXXX. It is my right to decide to whom my information is disclosed, and I have not authorized any reporting of negative information on my behalf. I trust that you will act promptly and efficiently in addressing this matter in accordance with the FCRA. I will be requesting a new credit report in 30 days and expect it to reflect the changes outlined in this letter. Failure to do so may lead me to take legal action to protect my rights and financial interests. Thank you for your attention to this urgent matter. I look forward to a swift resolution. Sincerely, XXXX XXXX
09/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • SC
  • 29501
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Early Warning Services Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear Sir/Madam, I am writing to formally request assistance regarding a critical matter that has significantly affected my financial well-being. I have recently become a victim of multiple identity theft incidents, which have had severe consequences on my financial stability and creditworthiness. I believe it is essential to address this matter promptly to rectify any erroneous or fraudulent information associated with my identity. I am providing this letter to both the Consumer Financial Protection Bureau, the concerned credit reporting agencies, XXXX XXXX, and Early Warning Services to ensure a comprehensive resolution of this issue. The fraudulent activities and identity theft incidents that I have been subjected to have caused damage to my credit reports and financial standing. These incidents have resulted in negative accounts, inaccuracies, and potential threats to my creditworthiness. The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in credit reports. I am committed to taking a stand in good faith and working towards a fresh start to ensure that my credit reports accurately reflect my true financial history, in accordance with the FCRA. In light of these circumstances, I would like to request the following actions : Remove all negative accounts and erroneous information from my credit reports, including but not limited to late payments, missed payments, and any accounts that do not match my accurate identity information. Correct any inaccuracies in my credit reports, such as checking overdraft activity and banking negative information, which do not belong to me. Ensure that my credit score reflects a fair and accurate representation of my credit history. I anticipate that my credit score should be at least XXXX, considering my responsible financial behavior and the fraudulent activities that have occurred. Respect my right to privacy and non-disclosure of my information to unauthorized entities, especially considering the identity theft incidents I have experienced. I kindly request that you investigate these matters thoroughly and take the necessary steps to rectify the inaccuracies and fraudulent entries on my credit reports, including XXXX XXXX and Early Warning Services. I am also enclosing a payment of {$1.00}, which I believe represents the full value of any debts I may owe but take no responsibility for due to identity theft. Please consider this as a token of my good faith in resolving these issues. I must emphasize that I did not cause these issues, as my personal information was compromised during the XXXX breach, and I have evidence of unauthorized access from individuals in XXXX. It is my right to decide to whom my information is disclosed, and I have not authorized any reporting of negative information on my behalf. I trust that you will act promptly and efficiently in addressing this matter in accordance with the FCRA. I will be requesting a new credit report in 30 days and expect it to reflect the changes outlined in this letter. Failure to do so may lead me to take legal action to protect my rights and financial interests. Thank you for your attention to this urgent matter. I look forward to a swift resolution. Sincerely, XXXX XXXX
03/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 95843
Web
I started my dispute process with Early Warning on XX/XX/XXXX. I have erroneous information on my consumer report. Early Warning hasn't resolved my issues. The compliance department wrote me back and stated that some of my disputes were frivolous. I know that I have been blacked balled by one of the banks that owns Early Warning. There should be no derogatory information on my report. I'm being Harmed by Interference with XXXX XXXX XXXX. I have contacted the CEO XXXX XXXX of Early Warning along with the Attorney General of California. There are only two accounts with XXXX. The is one account # XXXX and # XXXX. This items are over five years old. These accounts need to be removed. Then Early Warning reported these XXXX accounts ending in # XXXX and # XXXX. They have duplicated the reported of these two XXXX accounts for four entries. Please remove these items. The letter attached sent to me by Early Warning directing me to contact XXXX directly has a false telephone number. I have has repeatedly asked for a correct telephone number for XXXX. All of the letters sent to me by Early Warning are generic. I have reached out by telephone to have a supervisor contact me on many occasions. I keep being told that I would receive a call within 24-48 hours. I never receive a call back. I opened an account with XXXX XXXX. The account was closed by XXXX XXXX with no explanation. There was no negative abuse. Why is this account reported on my Early Warning? The only accounts allowed to be reported by FCRA rules are negative reports. So, if any bank pulling my Early Warning doesn't see a copy of my personal report. The bank is only informed if I come up negatively. So, by keeping this positive report with XXXX XXXX. I will still be denied the ability to have a relationship with a bank because this information is reported on my consumer report. I tried to open an account with XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. I never funded the accounts. Then Early warning had XXXX XXXX keep this account on my Consumer Report than added a restriction. There was no negative abuse. Why is this account still on my report? Again, I will still be dinged regardless that it has no negative abuse for the mere fact, I'm on early warning. XXXX XXXX XXXX filed a " restriction '' for what? They said because I didn't fund the account. I was told this by a representative at XXXX XXXX XXXX. This should be illegal for then to place a false code. I shouldn't be penalized for deciding not to open an account. Then, I have an inquiry on XX/XX/XXXX. I haven't had a banking relationship with XXXX XXXX XXXX since XXXX. Why are they inquiring into my Early Warning account? I didn't apply for any account to be opened with XXXX XXXX XXXX. This inquiry isn't documented on my Consumer report as to the account numbers and branches as XXXX XXXX and XXXX are on this report. Early Warning keeps sending me letters that I had identity theft. I never had identity theft or fraud. The branch and account numbers should be listed based on the inquiry. Then the branch information would indicate " identity theft '' or be coded as " fraud ''. I didn't have either. I have minimal credit. There is no branch coded either way on my report. I keep asking for the information. I have no fraud or identity theft with any of the three repositories. So, why does Early Warning State my disputes are frivolous? I need to know why XXXX XXXX XXXX made an inquiry on my consumer report. I need to know where this inquiry came from?
11/19/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MN
  • 55119
Web
Hello, So this all began with a job posting on XXXX for a CXXXX XXXX position within the company XXXX, an activewear clothing store online. The job would be as a remote copywriter. The pay was more than I anticipated but I was not going to argue. After getting accepted, I began talking with a XXXX XXXX via XXXX ( a different person from the XXXX XXXX that posted the original job listing ) and we discussed the role, I filled out an employee questionnaire, and then I was sent an Employment letter to sign and date. After all of that, the next step was to accept a check of {$2100.00} that I would use to purchase tech equipment for the role, i.e. a XXXX with certain specifications. The check was deposited into my account with a hold message that said it would be on hold for about a week before officially being deposited, however, unbeknownst to me, my bank account accrued tenure over the years and when my bank ( XXXX ) transitioned to new ownership ( XXXX ), that tenure carried through, allowing an XXXX XXXX feature which put the deposit into my account overnight ( XXXX ) with an available balance visible for use. Upon further communication with XXXX, that {$2100.00} was instructed to be transferred via the Zelle feature on XXXX. {$1500.00} was sent to a XXXX XXXX, maxing out the daily {$1500.00} limit. The remaining {$600.00} was instructed to be sent to a different individual via XXXX. After receiving a notification saying that the XXXX transfer worked, I received another notification saying that the Zelle transfer did not work. They said I should try XXXX with the still remaining {$1500.00}, which didn't go, then they said I should try either XXXX or even XXXX before sending a usable email address for the Zelle transfer to work. Which it finally did. After all of that, they explained that their vendor gave them their official bill for the XXXX : {$4300.00}, another {$2200.00} more than what was expected. They figured the best course of action was to cut me another check, this one only worth {$1300.00} and we would start the process over again the following day ( today XX/XX/21 ). At this point, I've contacted XXXX and explained everything. They could only advise me to wait until hearing about these checks and if they went through, which at this point, I highly doubt will happen. So what my main concern now is that the fraudulent {$2100.00} that I have received is not real and the money I did manage to transfer will be taken out of my own funds, which will not be enough to cover the cost and I will be completely out of money. I have kept screenshots of the conversation I have with XXXX, and copies of the checks I received for further documentation. Essentially, it appears that since Zelle is through XXXX and can not be contacted for this issue, XXXX instructed me to wait on those checks, and I informed XXXX of the report of fraud as well, however, no response has been sent from them as of yet. So at this point, I await these checks to bounce and a storm of issues regarding disputes, reports, etc to follow. Please let me know if there are any further steps I should proceed with. I intend to research Victims Assistance/Compensation lines as well as reporting the fraud to the FBI, but as of right now, that is all I know I am able to do. Any further advice would be greatly appreciated. I have included XXXX screenshots of my XXXX conversation with XXXX XXXX as well as copies of the checks I received in the documents attached. Thank you, XXXX XXXX
01/10/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 780XX
Web
The day of the spam call was XX/XX/XXXX. I received a message stating there is fraud activity and straight after that I received a call. At the time of receiving the call I was at XXXX XXXX. The call was at XXXX hours from XXXX ( XXXX ) XXXX under the caller id of my bank, XXXX XXXX. The total amount of time I was on the phone with the caller was XXXX minutes. It started off with the male caller stating where he worked which he stated, my bank, XXXX XXXX asking if he was talking to the right person and stated my name. He then said that there has been a fraud attempt through zelle, which is a money transferring option through XXXX XXXX in Florida for XXXX different transaction XXXX for XXXX and the other was XXXX. A week prior to this phone call, I received an email saying there has been suspicious activity and a new card would be sent to me, which lead me to believe the scammer. The caller mentioned that all I had to do in order to get the money back was XXXX myself back the money with a memo of refund, caller then stated they would have that in file to file a claim, and they would send that claim to the bank that the suppose people from Florida tried to transfer the money to, and I would be reimbursed for my money from that bank. The Scam caller walked me through my account through the phone, telling me step by step what to do. He first told me to unregister my phone number on my XXXX account, but to add my phone number to the recipients.My name appeared. He then told me to go ahead and send myself the {$1000.00} with a memo of refund I did and my money disappeared and I stated to the caller that I no longer had money in my checkings account and he said that it was normal that it would appear back in XXXX mins. He then stated to go forward with the {$2000.00}, I only did XXXX, but from my savings account this time since I no longer had money in my checking account and I repeated the same steps, but this time it was under review because it was a large amount of money and was asking for a code. I proceeded by putting in the code and a message popped up on my XXXX that it would take XXXX hours and I told the caller and he told me to cancel it and try again with the exact same steps and the same messages popped up. He then told me to cancel it and do it in small increments which happened to be XXXX {$500.00} and XXXX {$200.00}. Everything then went through and he stayed on the line with me and stated that he going to go ahead to file in claims and XXXX mins after being on hold the caller hung up. I tried calling back XXXX, but it wasnt going through. I then went to the XXXX XXXX in XXXX and told them what call I received and they immediately stated that theres been recent cases just like that and its a scam, they said to call the number on my wells fargo card XXXX ( XXXX ) XXXX, which happens to be the exact same number the scam call came from. I then called the number and this time the call went through and it was XXXX XXXX voice menu I talked to a banker at XXXX hours for an XXXX and XXXX minutes, in that call she explained to me that it was a scam and we filed claims for all XXXX transactions. After this incident happened I noticed that I received a text message that there was an account opened with citi bank under my phone number with the ending in XXXX. The number I received it from was XXXX. I also then realized that with every transaction, I received a text that there was a transaction made to XXXX XXXX
03/18/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • CA
  • 94025
Web
This is not fraud as Zelle blamed the problem to be scam. This problem is Zelle itself caught by me stealing money from customer Zelle. STOP STEALING MONEY from customer!!! I have been a zelle user for a little more than a year, one of my friend has been sent money to me over the past several month without trouble, this friend take a screenshot every time after the app reported transaction success For the past three weeks, I checked my bank that the money is not deposited and then I check my zelle APP. - there is no activity of receiving - The send side has SCREENSHOT to prove the transaction! I called zelle using the number get from the Zelle App, after 3 minutes of repeated blame all possible issue to other party and waited for a few minutes. I got an agent listen to my issue. After hearing my story. It is pure silence, I have asked several times Are you there? Pure Silence, after 10 minutes. I hang up and redialed the support line After another 3 minutes of recorded message again and a few minutes wait, another agent answered, I asked to transfer to a supervisor, after some more wait. I got a supervisor XXXX XXXX heard my story and offered to debug with me together, she asked me to login to the app first. At this time, I can not login anymore and got error code XXXX Asking XXXX what does XXXX mean, she said she can not speak on this matter but escalate to the second level and give me the case number XXXX and give me another phone number XXXX in case got disconnected I was escalated to second level support, XXXX answered, after repeat my story again, I ask her what does XXXX mean. She answered it means your profile is deactivated. I was telling her that the agent can just silently deactivate my profile without any explanation is a big SECURITY HOLE Next, XXXX denies everything. 1. Why my account is deactivated? Her new explanation is my account has been logged in too many times and their system has security built in to do that, I told her I logged in about 3 times today without any incorrect password, what kind of system will do that? She just repeat this is system behavior 2. As for the transaction, I give the date and amount. She just claim there is no record in their system and I need to contact the bank I have several questions for Zelle 1. If you did not do anything wrong, if your system incorrectly deactivated my account, why none of your agent reactivate it? 2. Is that a good coincident that immediately after the first agent hear my story and silent for 10 minutes then my account get deactivated by system? Is this a conviceable story that zelle can make up? 3. Zelle can deny your system does not have transaction history, however the sender side has history and screen shot. You deactivate my account so that I can not see transaction history can not erase the sender side history 4. The way you deactivate my account after I state the problem only PROVE you try to prevent me from output the transaction history and prove your company STEAL MONEY from customer 5. XXXX, the first supervisor response after heard the error code XXXX -- she can not say anything but escalate to the second level and your second level just claim your system does not have any record of transaction already indicate the problem 6. Your agent has the privilege to deactivate user account is a big SECURITY Hole. they should NOT be able to do that with several levels of authentication and logging for auditing
11/06/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 33702
Web
On Wednesday XX/XX/XXXX, I was contacted by a valid XXXX XXXXXXXX XXXX phone number. I answered the call from what I believed to be a trusted number for my financial institution. The initial point of contact was by a gentleman claiming to be from the fraud area of XXXX XXXX XXXX, and informed me that someone had opened another checking account in my name in another state and was trying to access my funds. They stated that because the funds requested was more than I had in my account, the transactions were placed on a hold and my account was flagged. For the duration of this 45 minutes call, I spoke with another gentleman named XXXX who was a manager of the same department that contacted me. He assured me that XXXX XXXX XXXX took this situations seriously, and convinced me that Zelle offered a protection for my funds, that would essentially place them on a 24 hour hold, and released back to my account after an Anti Fraud test had been completed, and more information about this fraud account would be returned to me as well. I trusted the information fraudulently being given, and with that I transferred my money to a Zelle Protection Code. When the fraud test was at 97 % XXXX got back on the line and stated someone was trying to access my account and he was booted out of the test. The funds transferred out were then back in my account, and XXXX told me my account would be monitored and he would follow up in 24 hours. As expected, I got the follow up call the next day. It was a similar process to the day before of trying to complete the fraud test. Again, I sent my funds to the Zelle Protection Code ( since the day before went okay ) and began the fraud test. After 30 minutes, I got a text that the funds were received by me and the call disconnected. I waited roughly 15 minutes for this manager to contact me back as we had not finished the fraud test. When he hadnt called back, I decided to call him back. The number that called me initially was the same number I called back, and it took me to XXXX XXXX XXXX. I began explaining the situation and was again transferred to the Zelle Fraud team. This time, another gentleman let me know the whole thing was a scam, and I sent my money to what appears to be myself. He let me know that the bank took this very seriously but because it was a Zelle transaction the likelihood of recovering my funds was slim to none. My whole life savings gone in seconds. He relayed to me that there were several indicators of a scam, and they were aware of this scam, but couldnt promise to recover any funds at all. He relayed to me that the number I called must have been a spoofed number as it was an inbound only number and should not have been a number to dial me at all. This was all said to me like I should have been aware, but XXXX XXXX XXXX had not sent out any information to its account holders about current scams, and in a world where online banking is pushed so hard, it was hard for me not to trust what appeared to be a valid bank number contacting me. A claim was then filed where they would try to request the funds back from the bank that received my Zelle transfer, but again there was no guarantee anything would come of it - just sit tight for 10-45 days while the claim processes. XXXX XXXX XXXX sent mass emails to the clients about current bank scams less than 24 hours after my claim was filed ( confirmed by several acquaintances using the same bank ).
11/12/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • MA
  • 021XX
Web
I am a XXXX XXXX for XXXX!. On Tuesday, XX/XX/XXXX, I accepted a XXXX from XXXX XXXX At XXXX XXXX XXXX at XXXX. I came to learn after the fact that this person created a fraudulent account through XXXX! To have access to my personal information. He then called pretending to be XXXX, a manger with ID number XXXX. He said that my account was suspended and that I could not XXXX another XXXX until it was resolved. He even told me he had reached out to XXXX XXXX And told him that I would be delayed, and I received a message from XXXX XXXX Saying as much. XXXX asked me for personal information to verify my account, including my bank username. I said that I was not comfortable giving that information, but it was through verified and secure text messages so he could not see my information. While on the phone, he hacked into my XXXX XXXX XXXX account and transferred {$2000.00} to a man named XXXX and {$600.00} to a man named XXXX using the app Zelle ( which I have never used in my lifetime ). The {$2000.00} to XXXX was sent to a XXXX XXXX, and the phone number XXXX was used ( a number I do not know ). It said that the money was sent for rent, but I send rent to my landlord using secured XXXX XXXXXXXX XXXX transfers, and never Zelle. I have documentation to confirm this. The transfer for {$600.00} for XXXX was to a XXXX XXXX XXXX, which I have never used, with the phone number XXXX. I do not know either of these people, nor do I know the man on the phone. I immediately reported the fraud to XXXX XXXX XXXX, and opened up new accounts with the bank. The claim number is XXXX. This claim was denied because the bank claimed that since I provided a username that I authorized the transactions, but I do no such thing. I came to learn that this is a known fraud scheme with XXXX. The XXXX XXXX Account was fake, and he made the account to have access to my personal information as his dog walker. The representative was also a fraud, and in fact they were the same person. I do not know this person, and I do not know the people who he transferred money to. My XXXX police report ID is XXXX. I have also worked with Detective XXXX XXXX, who can be reached at phone number XXXX I am also including a copy of my complaint to the Federal Trade Commission ( FTC ). My FTC report number is XXXX. I would also like for it to be known that XXXX! Is aware of the fraudulent activity, and has confirmed that this person used a fraudulent profile on XXXX! To hack my bank account. This person inappropriately used the XXXX! App that I work for to access my personal information. The Fraud Department at XXXX! Is very willing to assist with this investigation to have my funds securely returned to me. The XXXX! Fraud team can be reached at XXXX. I reached out to Zelle for assistance, but since I do not have a Zelle profile nor have I ever used Zelle, they denied assistance because I am not a Zelle user. The fact that I have never used Zelle should show that this was fraudulent and that I did not authorize these transactions. Zelle does not have any sort of support for these claims. I never authorized these transactions through Zelle, and this person inappropriately stole funds from me. I am asking for action to be taken against Zelle as well as XXXX XXXX XXXX. My CFPB claim for the XXXX XXXX XXXX complaint is XXXX. I was encouraged by XXXX, a representative of CFPB, to submit this secondary claim to Zelle.
10/20/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NH
  • 031XX
Web
I began an online conversation with who I thought was a Dog breeder and they had a puppy for sale that I was interesting in period though the communication seemed fairly normal they asked me to fill out information about myself our home etc. Their website stated that they worked with the airlines and shipping company often to ship dogs. They asked for us to sign a contract and we did and they signed it and they gave us an address and phone number. I did XXXX their phone number to make sure it came up in XXXX and it did. After signing the contract they ask for payment through Their website stated that they worked with the airlines and shipping company often to ship dogs. They asked for us to sign a contract and we did and they signed it and they gave us an address and phone number. I did XXXX their phone number to make sure it came up in XXXX and it did. After signing the contract they ask for payment through Zelle. I had never used Zelle But I have a checking account through XXXX XXXX that I use daily and I see the Zelle information on my navigation bar all the time so I felt comfortable signing up for it. They told me once payment was made in full they would send shipping information as well as tracking numbers. They gave me their Zell handle and I sent the money to them. It was {$820.00}. I spoke with him the next morning via email and they said they would be sending along shipping and tracking shortly after not hearing from them for several hours I decided to call and they did answer the phone and I stated who I waz and they said yes were getting the shipping information right now and will get back to in 20 minutes. Lo and behold 20 minutes later I had shipping in tracking information. My husband went on to this shipping company and I spoke with him the next morning via email and they said they would be sending along shipping and tracking shortly after not hearing from them for several hours I decided to call and they did answer the phone and I stated who I waz and they said yes were getting the shipping information right now and will get back to in 20 minutes. Lo and behold 20 minutes later I had shipping in tracking information. My husband went on to this shipping company and tracked The puppy And everything Looked ok. The real issue began when I woke up early in the morning in anticipation of receiving the puppy that day and checked my email and the shipping company was a big scan and so wasn't the person I gave my money to. The shipping company was sending frantic emails asking me for XXXX more dollars to get the puppy to the next leg of the trip. Obviously in heightened concern my husband called the airlines which was XXXX XXXX and top to them only to find out they were no puppies on any of the flights that were given to us. Zelle doesn't stand by there transactions and I am shocked by that. Given the current economic climate and Coronavirus this is certainly not the time to lose {$820.00}. I was purchasing a puppy because we suddenly had to put our dog down and I felt as though we really needed the company in our home. This was all very disturbing and very heartbreaking. This website XXXX Should be shut down in these people should be prosecuted. I am certain I am not the only one. They were answering their phone as early as the morning that this situation happened. I have the information that they gave me including a phone number and my signed contract.
11/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 324XX
Web
On XX/XX/XXXX I sent a formal request via USPS tracking number ( XXXX ) to have a security freeze placed on my consumer report to EARLY WARNING SERVICES , LLC. AZ Entity ID XXXX ( found on XXXX XXXX XXXX ) whose address is, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, AZ XXXX XXXX found on XXXX XXXX XXXX ). The same address that is found on their site when requesting information about your consumer report ( https : XXXX XXXX XXXX ). EARLY WARNING SERVICES , LLC is in fact a consumer reporting agency as classified under the federal Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( FCRA ). This is also backed up by EARLY WARNING SERVICES , LLC themselves under official court documents titled, XXXX XXXX Early Warning Services , LLC ( XXXX ) ( XXXX XXXX XXXX ). Siting document # XXXX with a " filed on date '' of XX/XX/XXXX. From the introduction and I quote, " EWS is a nationwide specialty consumer reporting agency ( CRA ) and as such, is governed by the federal Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( FCRA ). '' Via USPS tracking number XXXX said formal request was signed for By : XXXX XXXX XXXXXXXX XXXX XXXX XXXX AZ XXXX // XXXX XXXX on XX/XX/XXXX. Per 15 U.S.C. 1681c-1 [ ( i ) ( 2 ) ( A ) ] and I quote " In general. Upon receiving a direct request from a consumer that a consumer reporting agency place a security freeze, and upon receiving proper identification from the consumer, the consumer reporting agency shall, free of charge, place the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 business day after receiving the request directly from the consumer; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request directly from the consumer. '' and per 15 U.S.C. 1681c-1 [ ( i ) ( 2 ) ( B ) ] and I quote " Confirmation and additional information. Not later than 5 business days after placing a security freeze under subparagraph ( A ), a consumer reporting agency shall ( i ) send confirmation of the placement to the consumer ; and ( ii ) inform the consumer of ( I ) the process by which the consumer may remove the security freeze, including a mechanism to authenticate the consumer ; and ( II ) the consumers right described in section 615 ( d ) ( 1 ) ( D ). ". Today is XX/XX/XXXX and I have still yet to receive my notice about said security freeze being place. Therefore, EARLY WARNING SERVICES , LLC. AZ Entity ID XXXX ( found on XXXX XXXX XXXX ) whose address is, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, AZ XXXX XXXX found on XXXX XXXX XXXX ). The same address that is found on their site when requesting information about your consumer report ( XXXX XXXX XXXX % XXXX ) has violated my rights under the federal Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( FCRA ). They have a clear disregard for my rights and the policies in place as this is not the first time they have violated the federal Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( FCRA ) and this is further proven by official court documents here https : XXXX. Supporting documents such as my dated formal request with personal information is provided as an attachment. Also, I can provide a view of my USPS Informed Delivery Account that shows a preview of all the incoming mail I am going to receive everyday at a later date as the video file is too big to be attached.
09/11/2015 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • NC
  • 274XX
Web
I am the victim of identity theft and evidently that is humorous to Early Warning LLC, specifically said " XXXX XXXX, '' purported supervisor. I have exhausted innumerable hours correcting the impact of my identity being stolen years ago. It appears to be a never-ending effort to correct, prevent, and protect my public and private records. I have been able to get nearly all cleared up. I know for a fact that I had NO derogatory records as of XXXX/XXXX/2015 with XXXX Early Warning LLC. I have a copy of my XXXX report, and Early Warning LLC confirmed again that there were NO derogatory records on my report. In fact, they confirmed to the bank that I have NO records at all reported. When opening a personal checking account, I was told by the banker that I had a report from XXXX XXXX XXXX, reported XXXX. When making further inquiry into the inaccurate record, it was found that a TOTALLY different social security number appears on this record, with my other identifying information. I 'm sick of this to say the very least. The banker called the Early Warning department that speaks directly with banks, and Early Warning LLC communicated directly to the banker that as of XXXX/XXXX/2015 there were NO records at all that appeared on my consumer report. They further stated that they DID NOT provide this XXXX XXXX XXXX record to Deluxe Detect. When speaking with XXXX XXXX, the banker was told that they received the record from Early Warning LLC. This is just plain blatant disregard for FCRA and the accuracy of reports, especially for victims of identity theft. Early Warning LLC then advised the bank that they would forward verification directly to them to show NO records. I was told by the banker to return on today to sign my signature card for the opening of my account. When returning to the bank, instead the banker advised she 'd received nothing from Early Warning. I immediately called back to Early Warning LLC. The initial rep told me that the XXXX XXXX XXXX record had been ADDED to my report after they spoke with XXXX XXXX on Wednesday. I was completely taken aback that they would ADD a clearly inaccurate record ( which displays a totally different social security number XXXX to my consumer report. I demanded a supervisor - said " XXXX XXXX '' who was rude at onset of conversation. She claimed they did n't " add '' it in a condescending way. Semantically, they may not have " reported '' it BUT they assuredly " added, '' " inserted, '' or otherwise included a record that did n't appear before today, and had been previously regarded as inaccurate and NOT included on my consumer report. She also claimed that they did n't have a copy of my police report for identity theft. This is becoming a broken record response XXXX, and all of these so-called legitimate credit/check reporting agencies. I 've uploaded the documents right here through the CFPB online portal for each complaint I 've sent. The repetition and consistency I 've exhibited makes it HIGHLY UNLIKELY AND ILLOGICAL that I have not perfected service of my records showing indisputable proof that I 've been the victim of identity theft. So here I am AGAIN having " only the option '' according to said " XXXX XXXX '' to file a dispute and WAIT for the processing time. There should be more immediate and binding relief for victims of identity theft and IMMEDIATE and BINDING SANCTIONS for these agencies.
02/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • FL
  • 33407
Web
In XXXX XXXX, I tried to link XXXX savings account to XXXX to make IRA contribution for XXXX. Got a notice from XXXX " We're sorry, but we're unable to verify your bank account information. In evaluating your request, Early Warning ( a consumer reporting agency ) provided us with information that influenced our decision to not link your bank account. Early Warning played no part in our decision and is unable to supply specific reasons why we weren't able to add your bank account '' XXXX XXXX, XXXX : Called Early Warning to request consumer report. XXXX XXXX XXXX : Received Filed Disclosure report and found that my ITIN was incorrectly listed as my SSN so I requested dispute by secure mail. My messages to Early Warning were correctly labelled as a dispute and contained all of the required documentary evidence for Early Warning to Correct the report on XX/XX/XXXX. XXXX XXXX, XXXX : Called Early Warning and confirmed that Early Warning received my dispute request email. XXXX XXXX, XXXX : Called Early Warning to follow up on the dispute progress and was told by a representative that there was no dispute recorded. XXXX XXXX, XXXX : Called Early Warning just to learn there was no dispute in the process. The responding agent escalated this issue to the supervisor and they finally started the dispute process started as of XXXX XXXX, and was told it would be closed within 30 days that I sent the initial dispute request mail. XXXX XXXX, XXXX : Supervisor called me to apologize and admitted their mistakes. Once it got the supervisors attention, she talked to the manager at dispute department and confirmed that it was definitely dispute case and thats why they started dispute process on XXXX XXXX. XXXX XXXX, XXXX : Received dispute result letter which says all information on my file is accurate. Early Warning has not changed my SSN. I talked to XXXX to confirm that XXXX has the correct information on me and that XXXX sent all updated information on me to Early Warning on XXXX XXXX. However, as of XX/XX/XXXX, I still cant link my XXXX savings account to my XXXX IRA account because Early Warning can not verify the ownership of my XXXX account. I got the same message. We're sorry, but we're unable to verify your bank account information. In evaluating your request, Early Warning ( a consumer reporting agency ) provided us with information that influenced our decision to not link your bank account. Early Warning played no part in our decision and is unable to supply specific reasons why we weren't able to add your bank account Seems like still some information on my consumer report is wrong and not updated. Now Early Warning told me to wait another 15 days to see the report and I have to start dispute again if I find wrong information on my consumer report. This is another 45 day process. Is it so hard to recognize whether it is a case for dispute or not? One person who seems like lack of work knowledge just decided it is not dispute case and closed the case without informing to consumer. Took time and several phone calls to start dispute. After 39 days, still the issue is not solved. Is it that hard to change SSN on the consumer report? Got response from XXXX on XXXX XXXX, XXXX as below which actually came from Early Warning but that is a lie. They didnt start dispute until XXXX XXXX when I complained and the issue was escalated.
02/25/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • MD
  • 212XX
Web
On XX/XX/XXXX I received a call from the XXXX XXXX XXXXXXXX Customer Service number XXXX. The alleged XXXX XXXX XXXXXXXX representative informed me they had detected fraudulent activity on my account by a person named XXXX XXXX, who had hacked my account and made two transfers through Zelle ( one for {$2000.00} and one for {$1500.00} ) to a XXXX XXXX in Georgia. They told me I had to take action immediately to stop the transfer from happening, and that I would receive an email from XXXXXXXX XXXX with a code so that they could verify they were talking to the right person. I did receive an email from XXXX a few seconds later. I thought the call was suspicious, so I decided to hang up. Because I wanted to make sure that I didn't hang up on a real XXXX representative and to ensure that if there was indeed fraudulent activity taking place on my account, I looked up on XXXX XXXX website for a number to call ( and also did a XXXX search to check on whether that number was recently hacked, and found no information in that regard ), and called the Customer Service number. The exact same representative responded, so at that point I assumed it was a legitimate XXXX call. I was instructed to create a new Zelle recipient for myself ( with my name and email address ) and send myself the two transfers. As soon as I made those transfers I realized that they went out, not in, and immediately called a different XXXX number to stop the transaction from happening. It was extremely difficult to get in touch with the fraud department ( especially considering that at that point I couldn't trust the Customer Service number ), but after speaking with a representative in a local office, I was able to get a number from her. I spoke with a representative who was extremely unhelpful, mocked me for being scammed, didn't ask me any question of substance regarding the episode. He said it was too late to reverse the transaction, though I called the number as soon as the episode happened. He told me he filed the claim, and only when I proactively told him that the reason why I was scammed was that I called a XXXX official number after hanging up on the scammers he added that into the notes. He also told me the resolution of the issue could take up to three months, and said he had no idea on how ( email, letter, phone call ) and when I would be informed about the status of my claim. He also didn't recommend I take any further action to protect my account, despite the fact that the scammers had my debit card information ( including the security code ). I then called back and spoke with a different representative and blocked my card. On XX/XX/XXXX, after seeking legal advice, I called back the same number and asked to speak with a supervisor. The supervisor told me that the actual timeline of the investigation is ten days, and that I will be contacted by email. She did not respond to my questions regarding why I was told inconsistent information about the process ahead, or why XXXX does not seem to have taken action to protect their customers. In addition, Zelle has made it impossible to speak with an actual human being when calling their customer number for frauds. My husband repeatedly tried to reach a person, was not able to, and ultimately we ended up submitting a fraud claim on Zelle 's website. As of XX/XX/XXXX, we have not heard a word back from Zelle.
07/16/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 85254
Web Servicemember
I applied for a checking account at XXXX XXXX XXXX. I was denied because of information provided to them in a consumer report created by Early Warning Systems. I contacted Early Warning Systems and after being screened by one of their agents to ensure that I am who I say I am, by providing my address, date of birth, social security number and email address, I was asked several questions that were intended to verify my identity which surely I had just done by providing the aforementioned information. However these questions were supposedly based on information contained within my credit report which in itself is inaccurate and therefore could not possibly be used accurately to verify my identity. I was told that because I did not answer a question correctly that was based on inaccurate information contained in my credit report that I must provide a copy of my drivers license or identification in order to verify my identity. I tried to explain to the agent that I am in fact a licensed private investigator and that the information contained within their report is based on the criminal conduct of an individual who illegally assumed my identity in XXXX and contemporaneously opened 3 bank accounts with XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX as well as credit accounts with XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. I informed the agent that in this case in particular, regarding the 3 bank accounts and the report that Early Warning Systems is providing to its member/owner banks is inaccurate, and that I have repeatedly provided to these said banks Affidavits of Forgery,! and Police Reports,? as well as consumer statements and lawful disputes with the 3 major credit bureau reporting agencies. The agent refused to hear my dispute and hung up on me after indicating that she could not verify me. I called back and asked to speak to XXXX XXXX the president of the company or another member of management and was told unequivocally by this 2nd agent that that would never happen. They do not transfer calls to management whatsoever. After attempting to verify my identity a 2nd time, and insisting that I once lived on a street unknown to me, I was again told that my dispute would not be noted until I verify my identity by sending in my identification and only then would they send me the report to review what I already know is contained within the report because I have been dealing with this nightmare for over 6 years now and have repeatedly provided all that I am legally required to provide to the original creditors/banks and that I can not and will not continue to be burdened by consumer reporting agencies each and every time I encounter one of their erroneous reports and that further dissemination of these false and inaccurate reports would be met with legal action and regulatory complaints. The 2nd agent insisted that I would follow their protocol and dispute process or I would continue to be harmed and suffer the indignities of their false and inaccurate reporting of my banking history which is in fact, not my banking history at all. It is a record of the illegal conduct of a criminal who assumed my identity and illegally opened accounts in my name and that I have proven more than once is not me. The agent said lastly that he could care less wether the report was accurate or not and urged me to file a complaint with the CFPB.
12/27/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • GA
  • 30274
Web
I decided to purchase a puppy for XXXX gift from this website ; XXXX. They emailed me back about a puppy name XXXX a XXXX is available. The amount for puppy is {$850.00} included shipping. This person name is XXXX XXXX a owner of the puppy. He said he accepted payment through XXXX. So I transfer my money {$850.00} from XXXX XXXX to a email that ateh texted to me. Its XXXX. After the transition went through. He said he gon na text me the confirmation of the tracking information. He texted me a tracking information and my tracking numberXXXX XXXX XXXX XXXX # Tracking number : XXXX XXXX XXXX. When I got on the website of the shipment cargo. It wasnt clear. Because I only can see the information of the puppy name and time it shipped, but I cant track the status of my puppy. So a agent called me from XXXX XXXX to inform me that enable for them to put my dog on the flight. I need to rent a electronic air conditioner crate for {$1200.00} and its refundable after I received my puppy. This agent call me again his name is XXXX, said it a urgent action for me to act on before the plane takes off. So I made a decision to transfer my money to the company {$1200.00}. Because I want my goldendoodle puppy XXXX. Because XXXX said this is my puppy now and it my responsibility. Because XXXX is transfer in my name as a owner. But XXXX tells me to transfer to this phone number XXXX XXXX XXXX XXXX and his name is XXXX XXXX instead to XXXX XXXX XXXX XXXX. The money went through and gosh the agent call and txt me said he will inform me the status of my puppy from airport status. Two hours later he txt me said that my puppy is now at the Alabama airport soon the puppy will be shipping to XXXX. About a hour later XXXX call me to tell me that they just realize that my dog doesnt have insurance. Enable for me to get my puppy shipped out from Alabama airport I need to get the insurance or I can buy through XXXX XXXX for {$990.00} and that is also refundable {$900.00}. At this point I have no money left to offer to get my puppy from that airport. I said that isnt my problem because that was never a agreement between the owner and I about me responsible for dog insurance. Not the mention about crazy crate {$1200.00} that I have no choice but to transfer money to XXXX XXXX. So I call ateh the owner to tell him that he needs to handle about this insurance situation. Because I have no money to offer to this company cargos. I need my puppy to delivery to me tonight. Thats your promise ateh. Instead he suggested I should go ahead buy the insurance from them otherwise they will charge me for abandoning my puppy. So thats when I realize I got scammed. I called my XXXX XXXX told th lady that I got scammed and I like to asked the customer service lady to stop my transaction that I used with XXXX XXXX XXXX. Because my funds was still pending. But the lady bank said theres nothing she can do to stop the payment. Because I use XXXX app. I have to deal with XXXX directly enable to get my funds back. I call XXXX customer service the lady said she cant refund my money because I sent it the money has been deposited into that XXXX receipt account. I asked XXXX lady why cant you guys refund my money I have all the texts evidence to proved that I got scammed. But she said unfortunately, theres nothing they can do on XXXX department.
11/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened without my consent or knowledge
  • GA
  • 30350
Web Servicemember
I XXXX XXXX : I hereby submit a formal complaint against EARLY WARNING SERVICES FOR discrimination, retaliation, bank fraud, wire fraud, and violations of the RICO Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. III. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with EARLY WARNING SERVICES, highlighting a pattern of potentially illegal practices by the company. IV. Allegations of Bank Fraud, Wire Fraud, and RICO Violations : Bank Fraud : I have reasons to believe that EARLY WARNING SERVICES has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : EARLY WARNING SERVICES is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. RICO Violations : EARLY WARNING actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act, specifically 18 U.S.C. 1961-1968. V. Discrimination : EARLY WARNING SERVICES has not only failed to unlock my CONSUMER report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. VI. Retaliation : Their refusal to address previous complaints and unlock my CONSUMER report seems retaliatory for filing federal complaints, violating principles of fairness and justice. VII. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely EARLY WARNING SERVICES, have adhered to federal laws by deleting inaccurate information from my credit reports. EARLY WARNING SERVICES refusal to do the same raises serious concerns about their practices. VIII. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to racial discrimination, bank fraud, wire fraud, and RICO violations. IX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against EARLY WARNING SERVICES. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter. I CANT BUY A HOUSE IM NOW HOMELESS BECAUSE I CANT experience OPENING A BANK ACCOUNT EVERYTIME I TRY TO OPEN A BANK ACCOUNT THEY TELL ME EARLY WARNING SERVICES IS REPORTING NEGATIVELY ON MY CONSUMER FILE BECAUSE THEY ARE REPORTING NEGATIVE ACCOUNTS THAT ARE NOT MINES Find attached an FTC identity theft REPORT as proof I give you 4 working days to resolve this issue as this account status is defaming my character and I have lost a lot of business relationship and ability to business with creditors. Because of this defamation of character, I have suffered emotional and financial damages for years and you have also stolen from me. This is the first time I am speaking in years of suffering and pain as a victim of identity theft. You have 4 working days. Kindly take this seriously. Regards XXXX XXXX.
12/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • XXXXX
Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX the financial institutions and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish my private information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX whether it be verbal, non-verbal, written, implied or otherwise is hereby revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option.XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. You are hereby put on notice that I am opting out of your reporting services! Additionally you are hereby put on notice that I elect to invoke my rights under the Copyright Act of 1790, the Title is copyrighted and held in trust, any and all unauthorized use will follow with an invoice for copyright infringement.
08/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 31419
Web
I recently tried to open a personal bank account with XXXX XXXX and was denied. The response received in the mail stated that I needed to contact " Early Warning ''. Early Warning was contacted and I was provided a copy of my " consumer report '' and was informed that an investigation was going to be conducted in my fraud claim and I would receive a follow up response. Shortly afterwards, I received mail correspondence from " Early Warning '' stating that a re-investigation was conducted and they confirmed that I was responsible for the fraudulent activity. This is false information and I do not believe that I was provided a thorough and accurate investigation into my claim. There were several checks for large amounts deposited into XXXX XXXX XXXXXXXX. How were these checks deposited, in-store, ATM, or online? Is there video footage or surveillance to verify that I was the individual to submit these checks? Where is the verification these checks were submitted by myself? It states the verification process was used with my identification card, but were these accounts opened in person or online? How was it verified that I opened the account or that my information was being fraudulently misused by another individual? The only account I take full responsibility is XXXX XXXX and the account was closed due to lack of use. I've never tried to open any of these other accounts and have not been aware of any of these charges. I have submitted a rebuttal with " Early Warning '', but they keep responding with the same information because I am unable to provide documentation or any form of proof that I am not the individual responsible for these fraudulent accounts. How would I have any information or documentation if I was not the one responsible nor did I have any knowledge of them. I am a victim of fraud but being treated as if I conducted these fradulent acts because I do not have anyway to protect myself or prove my innocence. The burden of proof is on " Early Warning '' or these banks who have furnished this information to show that it was " actually '' myself that have open these accounts and conducted this fradulent activity and they have all failed to do so. I have been unable to resolve this issue because each time I have contacted the bank, they pass the responsibility onto " Early Warning '' and when I contact " Early Warning '', they pass the responsibility back to the banks. I recently moved from XXXX, XXXX to XXXX, XXXX for new employment and that is the reasoning for trying to open a new bank account with XXXX XXXX. If it was not for that, I would have not known about these other accounts. I am a XXXX XXXX XXXX female who has absolutely no knowledge of how any of this stuff works, but I know that I did not open these accounts nor am I responsible for any of the fraudulent activity that was conducted on them. Additionally, I will also be reporting this information to XXXX to have a fraud alert placed on my account. I am respectfully asking someone to please " actually '' look into this matter because these accounts are not mine and I am not responsible for them. I have not received ANY verification besides the account information. That is not verification, that is only showing the activity on these accounts, that do not verify or confirm my responsibility.
09/17/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 44067
Web
I am writing to bring a matter of significant concern to your attention regarding an unjust derogatory remark on my consumer credit report, which has caused severe financial and personal distress. This matter stems from a traumatic incident involving XXXX. In XX/XX/2021, I became the unfortunate victim of a bank fraud while banking with XXXX. Cybercriminals exploited vulnerabilities in my account, resulting in a substantial financial loss exceeding {$160000.00}. In an earnest attempt to recover my losses, I promptly reported the incident to various law enforcement agencies, including the local police, the FBI, the Ohio Attorney General 's office, and the Federal Trade Commission ( FTC ). Regrettably, despite my efforts and cooperation, none of the stolen funds were ever recovered, and XXXX decided to terminate our banking relationship. Following the incident, I encountered a new set of challenges. Many financial institutions have declined to open checking or savings accounts for me, thereby severely limiting my financial options and access to essential banking services. Upon conducting a thorough investigation into the root cause of this impediment, I discovered that XXXX had reported the incident to Early Warning Services ( EWS ) and XXXX XXXX. EWS and XXXX XXXX subsequently placed a " fraudulent account '' remark on my consumer report. This unjust derogatory remark incorrectly portrays me as the perpetrator of fraud, rather than the victim I am. When I diligently reached out to Early Warning Services to request the removal of this unjust mark, I was redirected to XXXX, as they were the source of this erroneous report. Last week, I made earnest efforts to resolve this matter with XXXX directly. However, my attempts were met with refusal, and they were unable to locate any records of my bank accounts in their system. It is important to emphasize that I have maintained an impeccable financial record throughout my life, reflected in my credit score of over XXXX. I have never been involved in any fraudulent activity. As a victim of financial fraud, I have not only endured significant financial loss but also face the unjust consequences of being unable to open new bank accounts, which adversely affects my daily life and financial stability. Given the gravity of this situation, I am seeking your assistance in facilitating the resolution of this matter with XXXX and the removal of the derogatory remark from my consumer reports at both Early Warning Services and XXXX XXXX. I kindly implore the Consumer Financial Protection Bureau to investigate this case thoroughly, as it has far-reaching implications on my financial future and personal well-being. Your intervention is crucial in ensuring that justice is served, and my reputation as a responsible and honest consumer is restored. Please find enclosed relevant documents and records to support my complaint and substantiate the accuracy of my claims. Should you require any further information or clarification, please do not hesitate to contact me. I earnestly look forward to your prompt attention to this matter and the resolution that will help me regain my financial footing and personal integrity. Thank you for your dedication to safeguarding consumers ' rights and promoting fairness within the financial system.
04/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Identity theft protection or other monitoring services
  • Problem canceling credit monitoring or identify theft protection service
  • NC
  • 280XX
Web
I have been a victim of identity theft - someone has opened XXXX checking accounts at different institutions dating back to XXXX XXXX, XXXX ( to my knowledge, there could be more ). The XXXX institutions were XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX. All three of these banks, as well as a few of the other banks, use a " consumer reporting agency '' known as EarlyWarning to run a consumer report. They do not run credit checks or use XXXX ; they ask EarlyWarning ( who is either a major partner of, or owned by these banks ) for a banking history and credit report -- though they are very specific not to call it a credit report for legal reasons. The banks then get the consumer report from EarlyWarning and allow the bank account to be opened. I have contacted all of these banks, all three credit bureaus ( plus XXXX ), XXXX XXXX, the FTC, and EarlyWarning. EarlyWarning specifically states that they are not required to place a freeze on any accounts because they are a consumer reporting agency, not a credit reporting agency. As such, people can continue to open checking accounts with my information if they want to and, if I find out about it, I have to call the bank, close the account and then call EarlyWarning to have the account removed from my record. EarlyWarning refuses to put anything in place ( and claim legally they do not have to ) to proactively prevent people from opening accounts using my information, or letting the banks know that they should be reaching out to me for additional verification. Similarly, all of the banks have stated that they can't put any sort of block on my social security number and that people can continue to open accounts with my information and there's nothing that I can do. I'm fortunate in that no money has been taken yet and no damage has been done to my credit, but it is extremely frustrating that all I hear from everyone is " make sure you freeze your credit, '' which I have done a long time ago and it has no impact on these checking accounts being opened ( since no formal credit check is run ). My primary complaint is the EarlyWarning ( which most people don't know exists and there is very little information about online ) is the primary agency that allows these fraudulent accounts to be opened and they are not required to do anything to protect me as the consumer from having this identity theft occur. For more information on EarlyWarning : XXXX XXXX XXXX XXXX ( Option # XXXX ) I called on XX/XX/XXXX - They said they will mail me a report in 10 days and I can dispute existing things but can not place a future freeze. Then the representative pretended she could not hear me and hung up. I called back on XX/XX/XXXX, spoke to XXXX. He tole me it would take 15 calendar days before they send me email with report ( I received the report on XX/XX/XXXX ). I then signed up for an account via that email that I received, like I was told. I then uploaded my FTC Report through secure portal on XX/XX/XXXX. On XX/XX/XXXX, they sent me mail saying that the accounts listed on the report had been blocked but that they were not able to place any freeze on my account ( see attached documentation ). I called back in on XX/XX/XXXX because the information was unclear and again, a representative pretended they could not hear me and hung up.
09/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 601XX
Web
Reflecting on the Fair Credit Reporting Act 15 USC 1681 section 602 a state " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's rights to privacy. " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Earl Warning Services are consumer reporting agencies and I am the Consumer. I have the to make sure my private information isn't shared which is back 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agency ) the financial institution and the Consumer reporting agencies XXXX and XXXX, XXXX and none of the third parties agencies i mention earlier in my report do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Early Warning Services ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6801 ( B ) ( C ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless-consumer is given an explanation of how the consumer can exercise that nondisclosure option. " ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( 5 ) states " Except as authorize under subsection ( B ), no consumer reporting agency may make any consume report containing any of the following items of information. Any other adverse item, of information, other than records of conviction of crime which antedates the reporting by more then seven years. " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( a ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S Code 1681e states ' Every consumer reporting agency shall maintain reasonable procedure designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. " XXXX and XXXX, XXXX the other third parties I listed above are not maintaining reasonable procedure.Also12CFR 1016.7 states that '' A consumer may exercise the right to opt out of any of your reporting services. For utilizations the law states that its illegal to report transaction history.
10/26/2022 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • PA
  • 15301
Web
Here is everything from the beginning : I do XXXX jobs in my spare time. An event coordinator reached out as a liaison between myself and another company XXXX XXXX XXXX ) to book a catering event - original date of contact : XX/XX/XXXX. I received an e-check from XXXX ( XX/XX/XXXX ) in the amount of {$1800.00} ( 75 % of the quote given for catering ; the remaining 25 % would be given closer to the event date in early XXXX ). I researched that company on the check ( XXXX XXXX ) and was happy to be considered for an event. The company is an out-of-state non-profit, but they hold events and conferences to spread awareness. I also researched the event coordinator - by email, not just by her name! - and she seemed legit as well. I let my guard down even further when she stated the location of the venue for the event as a local, family-run banquet hall that I am very familiar with ( I literally pass by it every day! ). The check cleared ( XX/XX/XXXX ) and then the event coordinator informed me that the event was cancelled due to XXXX within the company and a fear of it spreading in the meantime. I obviously reimbursed the deposit, which was recommended through Zelle, since I do not have checks on hand. I assumed Zelle was a safer option than XXXX, since it's linked through XXXX. I did this in, what was supposed to be, two {$900.00} transactions through the app, since there are daily limits on how much a person may send and receive. After the first deposit ( XX/XX/XXXX ), the next day, I checked my account and the original e-check for {$1800.00} was pending for withdrawal from my account ( XX/XX/XXXX ). Luckily, I checked on this prior to making the second {$900.00} reimbursement. I contacted the event coordinator and informed her of the situation- to which, she replied that she'd contact the accountant at the hiring company to get me reimbursed. I have not heard from her since. I spoke with a representative from XXXX that same day ( XX/XX/XXXX ), but they were unable to offer help, because using Zelle is " like handing over cash, '' she said. I also filed a report through Zelle that afternoon ( XX/XX/XXXX ) ; I am still waiting on a response. I am informing you of this issue to, hopefully, prevent it from happening to someone else. {$900.00} is a lot to lose for someone like myself- especially, if it's given/taken under false pretenses. It's completely unfortunate, and stomach turning, that representatives from a banking institution can listen to this story, identify it as fraudulent, but only offer the advice of " be hopeful and don't give them any more money. '' A have also reached out to XXXX XXXX to inform them that someone is likely using their non-profit to scam people out of money. Here is the information that I have for the " event coordinator '' : XXXX XXXX XXXX Here are the different Zelle accounts she wanted me to deposit to : XXXX Name : XXXX XXXX XXXX. Last XXXX digits : XXXX XXXX. Name XXXX XXXX XXXX Name : XXXX XXXX .Last XXXX digits : XXXX I want to note that I'm aware that the accounts she gave me are clearly personal accounts, but so many people AND companies use these payment apps now that I was, unfortunately, able to make it make sense at the time. I didn't want the company to come after me for withholding money!
05/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33319
Web
Dear XXXX and XXXX XXXX XXXX. : I was recently informed of negative information reported by the following list of banks listed below included in the file XXXX maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a Checking Account Fraud in XX/XX/XXXX. I am unaware of ever having all the following checking accounts listed below. Please validate this information with all the banks listed below and provide me with copies of any documentation associated with this Account bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of XXXX Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Your Address Sincerely, XXXX XXXX XXXX XXXX XXXX ID : XXXX Early warning Bank Name : XXXX BANK Ref # : XXXX ABA Number XXXX XXXX Account Number : XXXX Incident Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX BANK Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX {$490.00} XXXX XXXXXXXX Bank {$490.00} Bank XXXX XXXX XXXX XXXX XXXX XXXX Account Fraud Bank Name : XXXX XXXX XXXX XXXX Bank XXXX XXXX : XXXX Account # : XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX {$520.00} XXXX XXXX {$460.00} XXXX XXXX {$5.00} XXXX XXXX {$25.00} XXXX XXXX Reason : Checking Account Fraud Bank Name : XXXX XXXX XXXX Bank XXXX # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX XXXX XXXX Bank XXXX # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX BANK Bank Routing XXXX : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX BANK Bank Routing XXXX : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud
12/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 95648
Web
I received a consumer report from Early Warning Services on or about XX/XX/XXXXXXXX. The report contained a detailed accounting of my debit/credit banking account transactions with XXXX XXXX XXXX XXXX the latter , Compass Bank, aka XXXX , was purchased by XXXX XXXX in the year XXXX ). XXXX XXXX shared my person information in violation of XXXX 's Terms & Conditions with its checking account customers which states on page 30 : FEDERAL LAW GIVES YOU THE RIGHT TO LIMIT onlysharing for affiliates everyday business purposes information about your creditworthinessaffiliates from using your information to market to you sharing for non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. It also states in XXXXs Term & Conditions that : Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. XXXXDOES NOT SHARE with non-affiliates It further states in XXXXs own Terms & Conditions the following for California Residents ( as I am a resident of California ) : All statements to Federal Law mentioned above reference U.S. Federal Law. California and Vermont : If your account has a California or Vermont billing address, we will AUTOMATICALLY LIMIT SHARING your information with affiliates and non-affiliates or for joint marketing with other financial companies. Additionally, XXXX and Early Warning Services have violated my federally protected rights under the Privacy Act of 1974/5USC 522a by sharing my personal information. As there was and exists no permissible purpose under the law, for XXXX to share my personal information with XXXX XXXX XXXX, a non-affiliate/3rdparty, both XXXX and Early Warning services are in violation of 15 USC 1681b. They also violated 15USC 1681b, Title IV section 604 ( aka Fair Credit Reporting Act ) and Public Law 90-321, by sharingand disclosing my personal information including my social security number which is illegal to do under federal law. The laws states that it is only to be shared " In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) '' ; or, " To an agency administering a State plan under section 654 of title 42for use to set an initial or modified child support award. '' At no time did I give permission for XXXX to share my information with Early Warning Services who is a nonaffiliate. At no time did Early Warning Services obtain my consent to obtain my information for any permissible purpose. At no time did XXXX communicate, indicate, inform, nor seek my consent to share my personal information with Early Warning Services. Because both XXXX and Early Warning Services have acted fraudulently with my bank account and my personal information, they have violated XXXXs own Term & Conditions which expressed that it does not and would not share personal information with a nonaffiliate, but they also acted abusively violating my consumer rights under 15 USC 1692, UDAAP and CCFPL. I will also be reporting these violations to the CA Attorney General, XXXX, and the state and federal Comptroller 's offices.
05/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33319
Web
Dear XXXX and XXXX XXXX XXXX. : I was recently informed of negative information reported by the following list of banks listed below included in the file XXXX maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a Checking Account Fraud in XX/XX/XXXX. I am unaware of ever having all the following checking accounts listed below. Please validate this information with all the banks listed below and provide me with copies of any documentation associated with this Account bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of XXXX Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Your Address Sincerely, XXXX XXXX XXXX XXXX Consumer ID : XXXX Early warning Bank Name : XXXX BANK Ref # : XXXX ABA Number XXXX XXXX Account Number : XXXX Incident Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX BANK Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX {$490.00} XXXX XXXX Bank {$490.00} Bank XXXX XXXX XXXX XXXX XXXX XXXX Account Fraud Bank Name : XXXX XXXX XXXX XXXX Bank XXXX XXXX : XXXX Account # : XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX {$520.00} XXXX XXXX {$460.00} XXXX XXXX {$5.00} XXXX XXXX {$25.00} XXXX XXXX Reason : Checking Account Fraud Bank Name : XXXX XXXX XXXX Bank XXXX # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX XXXX XXXX Bank XXXX # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX BANK Bank Routing XXXX : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX BANK Bank Routing XXXX : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud
02/04/2020 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Fraud or scam
  • CA
  • 95035
Web
I placed add in XXXX XXXX XXXX for room rent. A person identified himself as XXXX XXXX expressed interest in renting the room and send me check for XXXX . Check was issue by XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX , NV XXXX. The check was dated XX/XX/XXXX. I deposited it in my XXXX XXXX XXXXXXXX. I deposited the check on XX/XX/XXXX through my XXXX XXXX XXXX mobile application. For the first 24 hours my XXXX XXXX XXXX account showed Check transaction was pending. After a day, on XXXX XX/XX/XXXX, my account summary showed the check was credited to my accounts. Meanwhile, XXXX XXXX also sent me mail on XXXX that the XXXX $ was credited to my account and send the remaining money back to a account using Zelle transfer backed by XXXX XXXX XXXX. Based on XXXX XXXX request i transferred XXXX $ to XXXX XXXX using his Zelle account XXXX on XXXX XX/XX/XXXX and XXXX $ to the same account on XXXX XX/XX/XXXX. But the check was retracted on XXXX XX/XX/XXXX causing me to lose XXXX XXXX I complained about this fraud to XXXX XXXX XXXX on XX/XX/XXXXand XX/XX/2020 through customer service. But they are not taking responsibility and does not address my question 1 ) Why XXXX XXXX XXXX showed the check was credited to my account even before encashing/validate the check. How a lay person may know the check was fraud/ legitimate?. As a customer i relied on my banks account system to track if the check was valid or not. As soon as I saw my account was credited i assumed that check was not fraud and i made the Zelle transaction. XXXX XXXX XXXX sends email message once i deposit check but never send message if the check is validated or not. I need to verify my account everyday to see if the check is withdrawn or not to know the validity of the check. Customer service mentioned that they understand the loophole and they can not do anything. Another customer service member mentioned that it is the banking rule, to credit the account even before validating the check. Scammers use this loopholes to trick the unsuspecting customers especially from XXXX where the check credited to account only after banks encash the money/validate the check. 2 ) XXXX XXXX XXXX also did not help me to track the Zelle account. I used Zelle transfer to XXXX XXXX as it was backed of XXXX XXXX XXXX. After i complained someone tricked with this account XXXX, Customer service mentioned me that they dont have control over Zelle account. If XXXX XXXX XXXX does not control Zelle account, why should it support Zelle money transfer through XXXX XXXX XXXX accounts. I could not get any info from Zelle about this fraudulent account. I could not find any fraud complaint option in Zelle website. I thought if i can transfer money to some account through XXXX XXXX XXXX, the banking system should be able to provide me the details of account holder. From this incidence i learned that a faceless person can hold an Zelle account and disappear after scam without any trace. Unfortunately the Zelle is supported by many banks. I might not the be the only person affected by this type of scam and i will not the last one as long XXXX XXXX XXXX become more responsible in their accounting system and Zelle is accountable for the details of account holders with Zelle.
05/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33319
Web
Dear XXXX and XXXX XXXX XXXX. : I was recently informed of negative information reported by the following list of banks listed below included in the file XXXX maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a Checking Account Fraud in XX/XX/XXXX. I am unaware of ever having all the following checking accounts listed below. Please validate this information with all the banks listed below and provide me with copies of any documentation associated with this Account bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of XXXX Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Your Address Sincerely, XXXX XXXX XXXX XXXX XXXX ID : XXXX Early warning Bank Name : XXXX BANK Ref # : XXXX ABA Number XXXX XXXX Account Number : XXXX Incident Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX BANK Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX {$490.00} XXXX XXXX Bank {$490.00} Bank XXXX XXXX XXXX XXXX XXXX XXXX Account Fraud Bank Name : XXXX XXXX XXXX XXXX Bank XXXX XXXX : XXXX Account # : XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX {$520.00} XXXX XXXX {$460.00} XXXX XXXX {$5.00} XXXX XXXX {$25.00} XXXX XXXX Reason : Checking Account Fraud Bank Name : XXXX XXXX XXXX Bank XXXX # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX XXXX XXXX Bank XXXX # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX BANK Bank Routing XXXX : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX BANK Bank Routing XXXX : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud Bank Name : XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Reason : Checking Account Fraud
06/17/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 34714
Web
It all began XX/XX/XXXX when I received a message through XXXX from XXXX for a room that was available for rent. His message was as follow Yes, this room it's available. What date u need? I need u sign the agreement, send me your ID for background check ( It's required for the building ), make a deposit after building approved your ID and 1 week before u move in, u need pay first month. My email XXXX XXXXXXXX I can quickly reply in email! The following day XX/XX/XXXX is when I went ahead and emailed XXXX a photo copy of my ID in hopes of a quick response. Then he went ahead and responded in XXXX stating he went ahead and turned in the copy of my Id to the building. Went ahead and also stated that after if Im approved he would sent over a roommate agreement to sign and sent over the security deposit and a week before moving in sending the first month rents. I went ahead and agree and further asked a few more questions through our email conversation. He later that day asked for my phone number. In the evening of the XXXX of XXXX he contacted me through XXXX and spoke of how the building approved me after they did a back ground check. That I would now be sent an agreement to sign and that I then would be required my security deposit. He would sent the agreement through email which I signed for. Followed with an email of where the money would need to be deposit to for the amount of {$1500.00}. That phone number used for through ZELLE quick pay would be the same phone number of contact. He later would request a screenshot of everything through email of the posted payment because he wanted everything to be filed through email so there wouldnt be any issues. The following day we went back and forth on if I would be able to move in sooner because I would need the room as soon as possible but he would inform me that it is occupied until Monday that I would be able to move in Tuesday the soonest. Come Friday night I went ahead and contacted XXXX to follow up. He would contact me that night and stated that XXXX would be ready Tuesday morning but that I would need to sent my first month rent before getting access and keys to the place. I went ahead that Friday night the XXXX and sent {$1500.00} through Zelle XXXX from my bank account with XXXX for first month rent. Did the same as followed and email a screenshot of payment. Then I went ahead and sent a XXXX message letting him know that I sent the payment the following day but no response. I went ahead and sent him an email as that was his preferred method of contact but no response. I sent him a message again on XXXX the XXXX of XXXX but I saw the message was not delivered. Afterwards I decided to contact him and went straight to voicemail. I thought to my self it was XXXX XXXX he might not be available. Then on the morning of the XXXX of XXXX the day I was supposed to get my key and move in I went to the address on the agreement and found out I had been scammed and stolen {$3000.00}. I went ahead and report a claim through my bank XXXX on XX/XX/XXXX right after I found out about the scam. Only to be told XX/XX/XXXX that after their investigation there would be no action taken and I would not get my money back. Nor XXXX or Zelle seem to assist me in any way.
06/21/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • SD
  • 57702
Web Older American, Servicemember
XX/XX/XXXX - This was a very upsetting day and I received no help from Zelle. I will describe what took place in an abbreviated version that I hope gives you enough descriptions to help hold Zelle accountable. If you need copies of all the emails please advise I am sending three to show how involved Zelle is yet they take NO responsibility. 1. I posted an item ( table/chairs ) posted on XXXX for sale for {$300.00}. 2. I received a request on " XXXX '' app from a potential buyer ( XXXX ) stating he wanted to purchase my item but could only pay through Zelle. I signed up and got the Zelle app through my bank debit card. 3. I advised XXXX and through a series of texts on XXXX that I had downloaded and connected the Zelle app. and sent my email to him ( XXXX ) so he could send me the money. He said he will be by to pick up item at XXXX. 4. Shortly after that Chat, I received an email from another Zelle stating since it's a new account I needed to send {$150.00} that I would get returned to me when he picked up item. In Chatting back and forth XXXX said he would make sure I received my money. I sent the {$150.00} to my Zelle account to XXXX. 5. Shortly after that I received another email stating another request that Zelle needed more money. I sent a Chat with copy of the email to XXXX and he said oh yes just send it he is on his way. The email stated they need to withhold all funds until that is received and a long explanation why to is due to a HARD COVER INSURANCE POLICY. 6. So I asked XXXX to contact me ASAP. He called me from this number XXXX and assured me he as on his way. After being reassured I sent another {$150.00}. He said I would receive {$600.00} as soon he gets there ( both the {$150.00} deposits I sent and the {$300.00} for the item ) .I said I would be waiting. 7. Shortly after that Chat I received another email from Zelle stating they have my {$600.00} on hold until I pay {$160.00} for taxes and they gave a long explanation in the email. Zelle email stated that I should send the {$160.00} to Email : XXXX. I immediately sent him a copy of that email and called XXXX again and he said he was almost there and would " sort this out ''. During these Chats back and forth he is saying Zelle is just having problems..I 'm sure you'll get your money... just follow instructions and I have your money. Again he said, I will meet you at before XXXX pm. I said no I want my money back now, he said just follow instructions and that was the end of communication. I gave up and never contacted him again and of course he never came to pay me or pick up the item at XXXX pm. He never came nor did he reach out to resolve this issue. 8. Throughout these interactions I attempted to talk to someone at Zelle and waited online several times yet the only place I could get is a recorded message that if I am having difficulty with payment to contact my Bank. 9. I emailed Zelle 's customer service several times and sent copies of their Zelle emails requesting money and I only got confirmation that they received the emails and " someone would be contacting me. '' No one ever contacted me. 10. I called my bank but it was closed as it was a holiday. I went to the bank today XX/XX/XXXX and made a report there.
01/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32714
Web
XXXX XXXX XX/XX/1978 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Dispute case id : XXXX Bank name XXXX XXXX XXXX XXXX Reference number : XXXX I have hired a consumer attorney on my behalf and have file a complaint with the FTC against XXXX XXXX XXXX and Early warning. I was a victim of fraud and have been disputing this fraudulent account for 2 years. I have asked early warning to please remove fraudulent account from XXXX XXXX XXXX in which Ive sent police report and police report number to early warning and XXXX XXXX XXXX. I have faxed and sent by certified mail in which I have receiptsand tracking and will used as evidence to support my claim ..I will be seeking full damages ... for breaking consumer law as it relates to my situation. This is my final warning. Please remove account from early warning immediately. This has ruined my life and my ability to feed my family due to loss wages for me being unable to obtain a bank account due to the fraudulent XXXX XXXX XXXX account which is currently in litigation. Dispute case id : XXXX Bank name : XXXX XXXX XXXX Reference number : XXXX DISPUTES DEPARTMENT Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone XXXX Fax XXXX I have been informed that there is negative information reported by XXXX XXXX XXXX in the file EWS maintains under my Social Security number. I am not just contacting you to evolve in a frivolous dispute for you to validate this claim. I am contacting you because you are in violation of many banking regulations and Federal Credit Reporting Act consumer laws : XXXX XXXX XXXX Sec. 3403. Confidentiality of financial records ( a ) Release of records by financial institutions prohibited ( B ) Release of records upon certification of compliance with chapter Sec. 3410. Customer challenges ( all as such ) Sec. 3412. Use of information ( all as such ) EWS-participating as consumer reporting agency [ ( p ) The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumer 's credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ] 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. A credit report includes information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy. My report from EWS reads as such : Name : xxxxxxxxxxx Principal Loss : {$.00} Fee Reversal : {$.00} Paid/Unpaid/Settled : Contributing Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. I have searched far and wide through my documentation with no findings or evidence of this transaction that occurred.
03/28/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • XXXXX
Web
XXXX XXXX XXXX, XXXX XXXX and XXXX If other, please specify : XXXX Transaction Amount : {$2500.00} Transaction Date : XX/XX/XXXX Was the money sent? Yes Victim Bank Name : XXXX XXXX XXXX If other, please specify : XXXX Transaction Amount : {$2500.00} Transaction Date : XX/XX/XXXX Was the money sent? Yes Victim Bank Name : XXXX XXXX XXXX Recipient Bank Name : XXXX XXXX If other, please specify : XXXX Transaction Amount : {$1000.00} Transaction Date : XX/XX/XXXX Was the money sent? Yes. This man promised me he would build me a " funnel '' to launch my online course in a week and wrote a contract up for an immediate to begin 90 days course launch, after I pay him {$6000.00} - ONLY acceptable through XXXX. I sent him two {$2500.00} transactions and one {$1000.00} to make the total {$6000.00}. 4 weeks passed by and the work hasn't been done and barely if at all started. so I found out from a group forum that he has scammed a bunch of people out of thousands and possibly 100s of thousands of dollars collectively. I googled and saw scam reports and I realized I have been scammed. Also, he has been reported to the FBI via multiple IC3 complaints! Including one from myself. He then started threatening me to sue me for the forum post and the feed and I don't know if I feel safe anymore. Its been abusive emotionally, financially, and mentally, he tried gaslighting me and my family has suffered while I suffer. This is a BAD BAD guy out here hurting a lot of innocent people with his internet scam. I have to care for my mother and sons and life and I couldnt. I had such bad anxiety, my sister came up to help with my mom and I couldnt barely function. I told him this was effecting me and my family. Also, it turns out people who did work with him previously said he is a XXXX who does scam people and not perform or return their money and they left because they didnt want to be associate with him because they witnessed how he was scamming people and they said they would be a witness and sign a statement. NOW the bank XXXX XXXX should just give me back my money and XXXX needs to return the transfer, this is XXXX. I want my money back from this XXXX XXXX. XXXX needs to learn when to BLACKLIST users from receiving funds through them and not allow him to scam people through there payment gateway I have reported it to my bank to files a XXXX dispute through XXXX XXXX XXXX to his account at XXXX XXXX - but they said XXXX XXXX will likely not recover the funds and return them. XXXX is participating in illegal criminal activity. They said this is where we file things like this, but I am also pursuing a small claims case.Then on Monday XX/XX/XXXX I filed the dispute with the XXXX XXXX XXXX XXXX departmen and have not seen anything in return I have not got my money back. All of these financial institutions are PARTY to this crime. XXXX is allowing criminals to thrive by not allowing people to demand recovery of their funds for FRAUD. If they want copies or my correspondences with this person, I will provide them and if they want copies of the online reports that he scame people, I will provide them and if they want a copy of the group forum of victims where we discuss these crimes, I will provide that as well.
01/06/2023 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Fraud or scam
  • NY
  • 145XX
Web Older American
I signed up for a Zelle account on XX/XX/XXXX. I used my name : XXXX XXXX XXXX Phone # XXXX Email : XXXX I did not use until XX/XX/XXXX On that date : Two Zelle members transferred {$2100.00} into my Zelle account. XXXX XX/XX/XXXX XXXX ( reference # from Zelle ) XXXX XX/XX/XXXX XXXX ( Zelle transfer reference ) On the following dates in XX/XX/XXXX I sent {$500.00} to a Zelle member XXXX XXXX ( XXXX ) XXXX Enrolled as XXXX XXXX ( Zelle handle ) XX/XX/XXXX XXXX XXXX This left a balance of {$600.00} in my Zelle account On XX/XX/XXXX - My zelle app and all of my apps crashed due to a phone malfunction. In restoring my apps, I did not recall my Zelle password. After 7 or 8 tries to reset my password, I took an option that proved disastrous. I set up a new Zelle Account. The old account was deleted. And, that was the last I heard of my {$600.00}. I realized it was gone when I attempted to transfer the funds on or about that date. When I called Zelle, I was told that the funds were in my personal bank account and that Zelle only transfers funds, they do not hold the funds in a Zelle account in my name. Since, I never gave Zelle my banking information ( when I signed up in XXXX of XXXX ) I had skipped that option. Zelle insisted the funds were in my own personal account. But, I never provided any banking information. When I re-enrolled in XXXX of XXXX, the app asked for my banking information, but I did not have an online account with my personal bank, which made it impossible to connect my bank to Zelle. ( The option to skip the bank info was not an option in XX/XX/XXXX ) When I made inquiries to locate the missing {$600.00}, one of the Tier 2 reps admitted that there was a bank account associated with the XXXX XXXX system. This was the account that Zelle used to transfer the funds on the 3 dates in XX/XX/XXXX. I was told by the Tier 2 agent that he would initiate a dispute and that while he could not access the account that moved my funds, the dispute team would have the capacity to do that. That dispute was never filed by Zelle. In fact, the only dispute had nothing to do with the missing funds and referenced my receipt of a {$100.00} transfer, which never had anything to do with my complaint about the missing {$600.00}. Bottomline : Zelle assigned an account to receive and transfer my funds. It was not my account and I would be happy to provide an audit to prove it. They took {$600.00}, either deliberately or by an internal error. Because they never had my debit card or account information ; and I never had the personal online bank required to set up the transfer account, there is no way I processed those transfers. Zelle directed how the funds moved not me. The money was mine and I only transferred {$1500.00} of the {$2100.00} through an account only Zelle can identify. They have refused to provide the internal record that proves, the account that moved my money was not my debit card or bank account number. I realize this a very long-winded and somewhat confusing situation, but I am out {$600.00} and Zelle knows how to find it. Why they refuse to try is extremely disturbing. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
04/08/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NY
  • 11714
Web
[ TOTAL ZELLE TRANSFER XXXX ] On XX/XX/2022 I was contacted through my XXXX by unknown username name XXXX XXXX ). This person sent me several fake testimonial videos where people spoke about her being legitimate and investment return 100 % double. Investment returns varies form XXXX $ XXXX, XXXX $ XXXX, XXXX {$8000.00} XXXX I invested XXXX $ first on XX/XX/XXXX via XXXX and was Told that my return Investment would be {$1300.00}. I was told that I will receive that next day but didn't receive. Than I stopped texting her due to being busy at work but when I contacted her on XXXX XXXX she told me I have to pay additional {$490.00} because my previous amount didn't go through so I paid XXXX $ via zelle. After that I was told that my I investment amount bumped to {$35000.00}. She stated that for me to receive that payment I have to pay {$6100.00} IRS fees and also she sent me fake irs, bussiness letters stating that this is legit. I paid irs fees by little amount and different days because I was struggling to gather money. After clearing payment I never received my investment but was told that my payment was increased to {$100000.00}, for me to receive my payment I have to pay additional {$12000.00} IRS fee which I cleared by sending wire transfer of {$9500.00}, XXXX worth of 3 gift cards and several Zelle transfer. After clearing payment I was given fake XXXX XXXX XXXX letter stating that my payment is sent and will be cleared in 6to10 bussiness days, but never received my payment. Because I never received my payment I texted her but she wad keep giving me run around stating that I have to clear additional {$2300.00} bank transfer fee which I cleared slowly because I was low in savings. After that I finally realized that I was being scammed I started texting her saying u scammed me and she stated that I won't receive my money. During this whole thing I was given a account number and routing number with las 4 of social security number of a XXXX XXXX XXXXXXXX account after calling I found out that that account has {$20.00} XXXX ( I have attached everything in previous email ). I was given XXXX XXXX XXXXXXXX account because I didn't believe that she is legit, but after calling XXXX XXXX XXXXXXXX and was able to verify that account has over XXXX in it. At the end of text before she blocked me she stated that the XXXX XXXX XXXXXXXX account with XXXX is illegal money ( money laundering ). During the process I was running low in savings so she gave me 1 XXXX XXXX XXXXXXXX account and routing number to make my credit payment but after making payment i realized that it was bounced and was given bank account with low balance and payment wasn't authorized. I was frauded by giving bad account. During process she texted me list of her clients XXXXXXXX pages, but later i found that those account was hacked. Every time when I feel I doubt her I would talk to her clients but didn't know that it was her talking to me using hacked XXXX account. During process she asked for my XXXX account and password for verification but I didn't provided her. When I realized that I was scammed I told her I want my money back but she refused to pay me my money.
10/04/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • WA
  • 98226
Web Older American
In order to request a refund from a company ( XXXX ) I XXXX their customer service number. I was told there billing department would be calling me back, which they did. This number and website appeared to be legitimate. The caller instructed me in steps to set up the refund which was to happen in Zelle. There were a lot of steps that first involved Zelle and then XXXX gift cards. There were three different Zelle transaction totaling {$380.00}. I questioned several times the legitimacy of what was being asked and was assured this was indeed XXXX and that I would be getting the refund. I never got the refund. However, I include here the website, phone number and name of the individual that until last check, were still online. ( website : XXXX XXXX XXXX XXXX, XXXX XXXX ). I immediately called XXXX, my credit union where the Zelle transactions happened and then XXXX and then XXXX XXXX whose card was used with the XXXX gift cards. Of course this was my fault, a very senior ( stupid ) moment when I believed I was talking to a reputable company and person. Yes, I clicked the Zelle button on my screen. However, XXXX was extremely helpful and understood the talent of a scammer and immediately refunded the payments ( about {$300.00} ). XXXX XXXX could not return the payments and offered no help whatsoever, not even an offer to refer me for canceling this credit card. XXXX also was very NICE but told me there was nothing to be done. This I was told on two different calls to their fraud department. When I went into my local XXXX branch I finally got some great help by a very astute " lead '' and later the branch manager. I was told to get a police report, which I did and a case number ( XXXX, WA XXXX ), restore my phone and change my bank accounts and credit cards. I was told I'd have 10 days to get the case number in for the ticket that would be submitted to Zelle. Instead, the very next day I got a form letter from XXXX that " no error occurred ... the transactions were initiated by you. '' Of course they were! My complaint is that NO ONE at Zelle or XXXX except the local branch were even interested in helping. Nothing to do. Really? Why could XXXX do something and show a model of customer service with no blame on the customer? This is egregious behavior on the part of Zelle and their cohorts the banks. Zelle doesn't even have a fraud department or a number to call. They could have called the individual who scammed me and talked to him. A website, an 800 number! With ABSOLUTELY NO consequences to these scammers, not even the big banks who own Zelle caring or even watching or doing anything to protect the consumer, in fact blaming the consumer what incentive is there for the scammers out there to anything but get more and more brazen. While Zelle makes money, the ( stupid ) unsuspecting consumer gets exploited. I would like to ask for Zelle to retrieve my money. It went into an account somewhere. It may be difficult at this point, but if there were regulations put into place for a delay of availability perhaps that would give Zelle time to change their procedures around this open invitation for scammers to act with impunity.
09/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 337XX
Web
Hi there to whom it may concern I am realhing out too you guys to inform you all that According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not being shared which is backed by ( 15 USC 6801 ) which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of US those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent to furnish infomation. Any and all consent to XXXX, XXXX, an XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never did they inform me of my right to exercise my nondisclosure option. Not only that but 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which for a fact this is against the law, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
11/21/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 371XX
Web
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XX/XX/XXXX Dear XXXX & EarlyWarningServices, I am writing to request an investigation of the following information that appears on my XXXX and Early Warning Systems consumer report : Account # : XXXX - XXXX XXXX CHECKING & SAVINGS ACCOUNT Reason : This account was opened in a result of a attempt to defraud me. Account # : XXXX - XXXX Checking & Savings from XXXX XXXX. Incident Date : XX/XX/XXXX Principal Loss : {$0.00} Fee Reversal : {$0.00} Paid/Unpaid/Settled : N/A ( ACCOUNT HAS {$38.00} INSIDE OF IT ) Contributing Reason : ANYTHING UPLOADED FOR MOBILE DEPOSIT WAS NOT BY ME, ANY ACCOUNT OPENING FOR THIS WAS NOT DONE BY ME I ONLY HAVE ONE BANK ACCOUNT THIS IS FRAUDULENTLY AND THEREFORE NEEDS TO BE REMOVED ASAP. Bank Name : XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, XXXX Address : XXXX XXXX XXXX XXXX XXXX, TN XXXX US SSN : XXXX Date of Birth : XX/XX/XXXX Reason : This account was compromised, and used to upload fake checks so therefore needs to be deleted from my report as it contains errors. Bank Name : XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Savings Closed-Purged Previous Account Status : Savings Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, XXXX Address : XXXX XXXX XXXX XXXX XXXX, TN XXXX US SSN : XXXX Date of Birth : XX/XX/XXXX Reason : This account was compromised, and used to upload fake checks so therefore needs to be deleted from my report as it contains errors. Bank Name : XXXX XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Current Account Status : New Account Previous Account Status : New Account Date of Last Status Change : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : DRIVERS_LICENSE_US ID State : TN ID Expire Date : XX/XX/XXXX Email Addresses : XXXX Reason : I do not live at this address, and have no knowledge of anyone who does. This account needs to be deleted as soon as possible. Inquires : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX RETAIL XX/XX/XXXX ATM/XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX In the absence of any such documentation bearing my signatureXXXX ssn, address or likeness thereof, I ask that this information be immediately deleted from the file you maintain under my Social Security number. Please forward the information to the banks for this to be removed from their systems. I have searched far and wide through my documentation with no findings or evidence of this transaction that occurred. I did not open these accounts at all, and they need to be removed. Thank you for your assistance. Sincerely, XXXX XXXX XXXX
07/17/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • NC
  • 28269
Web Servicemember
I requested my Early Warning file from Early Warning in XX/XX/XXXX. I received my file from them on XX/XX/XXXX. After reviewing my report, I found several concerning statements in my file. I submitted a formal complaint to them on XX/XX/XXXX. Early Warning responded on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to the initial complaint. After carefully reviewing their responses I noticed a violation of the Fair Credit Reporting Act. Early warning did not respond to my request correctly. They responded to my request with a pre generated letter which was exactly the same for all of the disputes I submitted. I then responded back to them on XX/XX/XXXX. In my response I was very specific and detailed. I asked for copies of signed documents provided by each company on file. Not an online banking account scan that is not accurate or verifiable. These documents should bear my signature and clearly state that I have a legally binding and contractual obligation to pay them. The full names, addresses, and direct telephone numbers for each of the individuals at each institution that they contacted in the course of their investigation. Early Warning then responded back to me XX/XX/XXXX with a full copy of my report. Then on XX/XX/XXXX, XX/XX/XXXXwith the same exact letters that I received in XX/XX/XXXXand XX/XX/XXXX. This time they did not respond with in the full 30 days for all the disputes that were separately filed. Therefor the accounts the did not respond to should have been removed. They were not. I received responses on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for these accounts which is well over 30 days. I then responded back to them on XX/XX/XXXX and XX/XX/XXXX. I requested for them to remove the files they previously had failed to respond to. Also, for an extremely detailed response due to them confirming the other accounts were valid. These letters were different then the letters I sent in the 1st two times. They responded very quickly his time with responses on XX/XX/XXXX with the exact same letters they have been sending to me all year. Which brings me to the conclusion that Early Warning is not taking my disputes seriously or even looking into them at all. When they receive a letter asking them to do anything, they respond with a pre-generated letter that says the exact same thing no matter what you ask them to do. On XX/XX/XXXX I called Early Warning and ask a representative who recorded the call if they follow the Fair Credit Reporting Act, she said she is not able to answer that question. She told me to call One of the banking institutions. I also asked if they respond to detailed specific letters, she said I need to call one of the banking institutions. Early Waring Services LLC is the company reporting this information on a public profile to other banking institutions they should be responsible to give me the requested information and how they came up with this information according to the FCRA. Since they can not do that, I am requesting that all the information being reported on me is IMMEDATELY removed. I currently have all correspondence between the two parties.
02/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NV
  • 890XX
Web
XXXX XXXX XXXX negligently reported business income as my personal income for XXXX separate business bank accounts to the credit reporting agency, Early Warning Service ( " EWS '' ). As a result of this negligent reporting, which I did not give them permission to do, the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX charged me with an Intentional Program Policy Violation on or around XX/XX/XXXX. I explained to XXXX that the information they were relying on was false and misleading, but they took the reporting of XXXX XXXX XXXX to EWS as true, correct, and not misleading. I was found guilty and denied food and medical benefits for myself and my XXXX children for XXXX months. This prevented me from receiving $ XXXX in XXXX and over $ XXXX in medical insurance. This sentencing expanded the time of the worldwide COVID-19 pandemic, which made XXXX XXXX XXXX XXXX negligent error that more damaging with a loss of work and income, and the need for medical attention when ill. On or around XX/XX/XXXX, XXXX XXXX XXXX sent me a letter admitting that they made the error, and instructed me to contact them to make a claim for damages. ( See attached WFB letter ) I did contact them on XX/XX/XXXX, and made a claim for damages. I was give Case # XXXX and told that an executive or case manager would contact me within XXXX hours. To-date, no representative of XXXX XXXX XXXX has contacted me to settle this matter. On XX/XX/XXXX, I send a notice and demand for restitution due to damages that included an invoice and affidavit. ( See attached Notice and Demand XX/XX/XXXX ) I sent an Opportunity to Cure XXXX XXXX XXXX XXXX failure or refusal to respond on XX/XX/XXXX. XXXX, XXXX XXXX XXXX has not responded to my notice and demand or opportunity to cure. On XX/XX/XXXX, I received a " customer appreciation '' cashier 's check dated XX/XX/XXXX in the amount of {$500.00} from XXXX XXXX XXXX. Prior to negotiating it, I contacted XXXX XXXX XXXX and spoke with their customer service representative who assured me that the " customer appreciation '' cashier 's check was not a settlement offer for my damages due to XXXX XXXX XXXX XXXX negligence in credit reporting to EWS. The representative did tell me that XXXX XXXX XXXX had closed my case on XX/XX/XXXX, and sent me a letter requesting information about my claims. I asked the customer service representative to mail the letter again because I had not yet received it. He said he would. To-date, I have never received a letter dated XX/XX/XXXX in regards to settling this matter from XXXX XXXX XXXX . As a result of XXXX XXXX XXXX XXXX negligent reporting to EWS, and without my permission, the XXXX garnished my XXXX federal tax return in XX/XX/XXXX to cover the costs of fees I was assessed for the " Intentional Program Policy Violation '' I was found guilty of due to XXXX XXXX XXXX XXXX negligent reporting of incorrect information to EWS, who they didn't have my permission to report to in the first place. Prior to filing this complaint, I sent my Second Notice and Demand to the registered agent in Nevada for XXXX XXXX XXXX.
04/02/2018 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • TX
  • 77076
Web
On XX/XX/XXXX a friend recommended that I use XXXX to send her money that I needed to pay her. I used my XXXX XXXX app to send the money since it is sent with XXXX. The only information that was needed to complete the transaction was her name and phone number ( XXXX XXXX / XXXX ). The next week, on XX/XX/XXXX, my friend asked me to contact my bank because the money wasn't transferred to her. When I spoke to XXXX XXXX, I was told that the payment was completed and that my friend would need to speak directly to XXXX because it might be a simple solution where she would just need to verify some information. Later the same day, she told me that XXXX recommended for me to cancel the payment so the money will be refunded back to my bank. Afterwards, I contacted XXXX XXXX to request the refund but I was denied that request because the transfer showed complete on their end. They recommended that I have my friend contact XXXX. I emailed XXXX to inquire about the missing transfer and was told that no information on my friend 's account could be provided to me so she would just have to contact her own financial institution. She contacted her bank on XX/XX/XXXX and they requested a trace or tracking number. I spoke to XXXX XXXX and they couldn't provide a trace or tracking number but promised to open up an in-depth investigation along with a proof of payment. Finally, on XX/XX/XXXX I received two letters from XXXX XXXX stating that they completed their investigation and considered the matter closed. I took my frustration to XXXX and wrote about my experience with XXXX. XXXX support asked for my information so they could look into my concerns. When I finally got a response from XXXX on XXXX, I had spoken with my friend to confirm which bank she uses. It was that day that I realized that XXXX doesn't even offer services with the bank she has an account with. When I relayed this information to XXXX Support on XXXX, they advised that if that was the case, the money should've been refunded back to me within 14 days. At that point it had been more than a month. When I asked for more assistance on where the money was, they stated that they could only assist with transaction used on the XXXX app ( I used XXXX thru the XXXX XXXX app ). On XX/XX/XXXX, I decided to reach out to XXXX again and emailed them from their previous response. I advised them that my friend uses a bank that they don't partner with and requested them to provide proof that the money was transferred to my friend or refund me the money. They replied stating that I can cancel the payment if it is still " pending '' or I would have to request a reversal with my bank. I replied back stating that the transaction was already completed and my bank, XXXX XXXX, refused to refund it since they considered it transferred. 2 days later, I receive a response from XXXX stating that they recommend my friend to verify that she enrolled using the correct information, etc and AGAIN, I would need to reach out to my own financial institution. My final email to XXXX was on XX/XX/XXXX and I have yet to receive any response from XXXX.
07/10/2022 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • PA
  • 184XX
Web
On XX/XX/XXXX and XXXX of XXXX I was attempting to sell an item on XXXX XXXX place for {$800.00}. A buyer came forward under the name of XXXX XXXX. Their XXXX account only had XXXX followers, so it seemed to be a fake account. However, I went ahead to make the sale of the item. XXXX did not seem to be interested in anything relating to the actual item, they said they wanted payment out of the way first. So, they told me to use the Zelle app to make the transaction. They informed me that some banking apps, such as the XXXX XXXX whom I am a customer to, allows to send money partnered to Zelle. So, I agreed and put all my suspicions aside when I saw that my bank offered the service. I figured that if anything went wrong, my bank would stop the transaction. The buyer, XXXX, asked me for my full name and email address ( XXXX ), which didnt concern me. Then, XXXX claimed that they had sent the {$800.00} to my account. I receive an email on the account I provided them, from Zelle ( XXXX ). At the time, I did not realize that this was an imposter of Zelle. The email read that I had an incoming payment of {$800.00} from a sender XXXX XXXX, but it has been halted because my account was not of the premium status. I have never used Zelle before, or the method through my banking app, so I believed that this was a true scenario. The buyer asked me if I had received that email, to which I replied that I had. The buyer then sends a screenshot of the same email and sends it to me via messenger, the same way they contacted me to purchase my item for sale. Their screenshot was the same as mine, making me believe that the email was genuine and from Zelle. The email also mentioned that the only way for the {$800.00} to be released to my account was if both parties sent an addition {$500.00} to each other, to which Zelle would hold all funds, and then release the correct amounts to each other ; {$1300.00} to me ( the buyers original {$800.00} and my {$500.00} refund ), and {$500.00} back to XXXX XXXX ( their {$500.00} refund ). I, unfortunately not seeing through the scam, sent the {$500.00} to XXXX XXXX. Then, the buyer asked for a screenshot to confirm that I sent the money, to which I sent. At this point, I was very concerned with everything happening, but comforted myself with the thought that my bank, The XXXXXXXX XXXX in PA, provides me with this feature to send money through Zelle. I also thought that if something went wrong, the bank would stop my funds from reaching the scammer. The buyer then informs me that their account is locked due to their accountant ( which was not mentioned earlier to me ) sent too much money. I received an email from the same fake Zelle account confirming this. The email read that I would need to send an additional {$500.00} to balance out the money transfer. At this point, I realized that I had been scammed. Currently, I have filed a claim with XXXX and my bank. My bank has made contact with Zelle, where they blacklisted the individual " XXXX XXXX ''. Zelle has no offered compensation for this scam that was supported by their company.
05/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30324
Web
I have been fighting XXXX XXXX XXXX since XX/XX/2016. I would like to dispute these two accounts reported to EWS. I was in college maintaining my own account and then added my little brother to it so he can manage his money better and closed my personal one months before the incident occurred because I no longer wished to bank with them due to prior issues, but I kept my brothers opened so he wouldn't be penalized. As you can see, they tried to log the accounts as two separate incidents on different dates, which is false because my account was already closed. There should be only one incident logged as fraud which is also inaccurate, as no one truly investigated and just chose to accuse my brother. I am not trying to protect him at all and have no qualm with providing his information instead, however, I was never given the option to and why should I suffer for someone else 's mistakes? It's clear I had no activity within his personal account. While I was in college, I received a letter in the mail indicating there was fraud on the account. I hurried and called XXXX to get additional details and was told that someone tried to cash a {$1400.00} check to the account. I had no awareness or any supporting documents as it was sent to my permanent home address not campus. I called home to ask and was told they had no knowledge of a check being cashed and I told XXXX. The fraud specialist was nasty and quickly told me well your brother is young and this is what they do. I saw the copy of the check that was to be cashed and realized it was in cursive and looked like it was written by an older person, I know my brother has terrible hand-writing and can not even write in cursive nor does he know how to write a check. There was also an image of an older woman at the ATM that XXXX failed to investigate and just decided to go based off of their assumptions. It has been over 5 years now and I have not been able to open a bank account, get loans, or do anything in my early and late 20 's because of this issue. I have tried to write letters, write to XXXX XXXX, and contact XXXX XXXX XXXX to no avail. I have no problem providing my brothers information ( and they already had it ) since that is who they wish to accuse. I understand it was under my name, but my account was closed, and I had absolutely nothing to do with this. I have no supporting documents as it has been years ago and nothing was ever sent to my school address. However, XXXX can verify my account closure date, the picture of the check, the ATM photo, and the documents I sent to them. It makes zero sense why I am still connected to this and the ATM evidence was never looked into. That would quickly verify the identity of the person. I hope someone could please look into this because it has been ruining my financial life. I appreciate any assistance with this issue. I have looked online and have seen many people with similar issues with XXXX. It's amazing how they are one of the co-owners of EWS and they have the ability to ruin people 's lives because of poor investigations and misconduct.
10/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48329
Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' PLEASE SEE ATTACHED LETTER TO Early Warning Services. A BANKRUPTCY IS NON PUPLIC AND NO REQUIREMENT TO BE REPORTED! Early Warning Services is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Early Warning Services ) is a financial and information institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Early Warning Services is a Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agency Early Warning Services does not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Early Warning Services to report or furnish information whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Early Warning Services Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Early Warning Services is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
09/07/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MN
  • 55406
Web Servicemember
Information deleted from my file a year or two back that I disputed is re-appearing on my file. I previously sent Early Warning a police report and other documentation and as per Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) they are reporting inaccurate and previously deleted information on my report. I have never banked with this financial institutions or had this bank accounts ; Bank Name : XXXX XXXX XXXX - XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed Previous Account Status : Closed For Cause Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause Previous Account Status : Post No Debits Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause Previous Account Status : Post No Debits Date of Last Status Change :XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Savings Closed For Cause-Purged Previous Account Status : Savings Closed For Cause Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause-Purged Previous Account Status : Closed For Cause Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Savings Closed For Cause-Purged Previous Account Status : Savings Closed For Cause Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date :XX/XX/XXXX Current Account Status : Closed For Cause-Purged Previous Account Status : Closed For Cause Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Savings Closed For Cause Previous Account Status : Savings Post No Debits Date of Last Status Change :XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause-Purged Previous Account Status : Closed For Cause Date of Last Status Change :XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date :XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause-Purged Previous Account Status : Closed For Cause Date of Last Status Change : XX/XX/XXXX There is also a listed transaction that I do not recognize been reported on this file. Tran Type Date Account Number Check Number Amount Return Reason Return Transactions ACH XX/XX/XXXX XXXX XXXX {$200.00} Account Closed
01/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30228
Web
I've already submitted a complaint to CFPB, for the company Early Warning, about an error in file with them. Early Warning then emailed me admittance of the error and they would remove the error once I submitted my valid ID : The early warning response to me in email on XX/XX/XXXX : We are in receipt of your request, however, we are unable to process your request because a copy of one form of identification ( Driver? XXXX License, ID Card, Passport, or other government issued identification ) has not been provided, please provide us with a copy of one form of identification. Thank you for your assistance. If you have any additional questions, you can reach Consumer Services at XXXX You can also send the item ( XXXX ) to Early Warning by mail, fax or our secure transfer portal. Upon receipt, we will continue the process. Early Warning Attn : Consumer Services XXXX XXXX XXXX XXXX XXXX, AZ XXXX FAX : XXXX Then behind the back of CFPB they slipped me an email stating : " after the reinvestigation ... the information in the file is accurate etc, exploiting to consumer 's intelligence that the email mentioned ID for a reinvestigation. They reinvestigated and the sent result to me by XX/XX/XXXX which was the above email. I'm complaining of an early warning scam and suspected substance abuse. see the attatchment : The incident date in the file does not match the date the account was closed or ANY DATE IN BETWEEN the opening and closing of the account. This proves that no such incident occurred and that the bank should be held accountable. And that so, by clearing my name and deleting this information on file immediately. Account opened : XX/XX/XXXX Account closed : XX/XX/XXXX Incident Date : XX/XX/XXXX Principal Loss : {$0.00} Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. The bank account was closed at this time. Any card from the institution also deactivated on date of account closure Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause-Purged Previous Account Status : Closed For Cause Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, XXXX Email Addresses : XXXX Balance Information : Month/Year Balance XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$10.00} see the attached file I'm complaining about a stolen ID and identity theft by early warning and complaining that they should process the removal request as stated in email to me on XX/XX/XXXX to avoid criminal charges. Beware that some substances or drugs are to " numb '' an individual or party from facing themselves or criminal methods and attempts, causing them to become suicidal and terroristic about stealing a person 's information and ignoring it. Awareness gets down to a minimal. And CFPB should contact early warning in caution with this complaint that they should finish the removal request now that they have my Valid ID. I am not accusing them of substance abuse but am aware of the symptoms of possible substance abuse in such matters
11/10/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TN
  • 37211
Web
XX/XX/2022 I bought a puppy from XXXX XXXX XXXX via XXXX ( screenshots of his information and company are in the attachment ) after two hours of talking to him regarding the puppy and the services they offer. The price for the puppy was {$1200.00} and {$300.00} for shipping. I paid {$1000.00} first and {$500.00} when I received the puppy. The company is located in XXXX, XXXX and I live in XXXX, XXXX. He wanted payment in Zelle. I have used Zelle to pay people before without any issues and I thought it was like any other payment app that offers consumers fraud/scam protection, so I went ahead and paid XXXX XXXX XXXX {$1000.00} with a note " For XXXX XXXX ''. XX/XX/2022 XXXX sent me a picture of the puppy essentials and a tracking # via XXXX.XXXX. Customer service from the company also texted/called/emailed and kept me updated on the status of the puppy delivery ( screenshots of the delivery are in the attachment ). An hour after, customer service ( XXXX ) called me and said the puppy needed a ventilated crate to be on the plane. The price is {$1500.00} and is 100 % refundable when he is delivered. I read the information via the email she sent me ( XXXX ), talked to her on the phone, and asked about it before I sent {$1500.00} to the XXXX XXXX XXXX. An hour after, they contacted me again regarding XXXX XXXX for the puppy ( another {$1600.00} and 100 % refundable upon arrival ). I told her the website says " {$50.00} for covers up to {$5000.00} '', why should I be paying {$1600.00} for it? She explained this is a one-time payment and is 100 % refundable to ensure the puppy is safe and healthy. She tried to convince me that they have been in the business for many years and I should have trusted her. I questioned her regarding their service, they should have told me about the insurance before trying to ship the puppy if they have been in the service for so long. I refused to pay another XXXX to this company and wanted my refund. After two hours of arguing back and forth with XXXX XXXX XXXX customer service and XXXX XXXX via XXXX, they asked me to pay the {$1600.00} with a different XXXX XXXX ( XXXX XXXX XXXX XXXX since I told them I couldn't use Zelle anymore. In the end, I told them I didn't have any money left and they can send the puppy back to the breeder and I wanted my refund. They stopped messaging me and deleted my XXXX account. When they asked me for the {$1600.00}, I suspected I was getting scammed and contacted XXXX XXXX XXXX, and they transferred me to Zelle customer service to file a complaint. They said it was unlikely I would get my money back, even though I have proof that I got scammed. This is unacceptable. Big banks like XXXX XXXX XXXX promoted Zelle to consumers and offered no protection. One of the transactions ( {$1500.00} ) was still processing but they couldn't cancel it. I rarely cried and I actually did that day. I lost my hard-earned money and didn't even receive a puppy. Zelle needs to change their policy regarding fraud and scams when consumers provide proof they have been a victim of a scam/fraud.
01/02/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30224
Web
XXXX XXXX XXXX closed my checking account XX/XX/XXXX which I thought was only for a negative balance. I later find out they closed my account for fraud which Ive never committed. The account balance was {$38.00} which I paid on XX/XX/XXXX. I talked to multiple representatives at XXXX XXXX XXXX on XX/XX/XXXX and not one could pull up information about fraud being committed. I completely understand that my account may have been closed due to a negative balance, but Im being reported for something thats completely inaccurate. Fraud and insufficient funds are 2 total completely different things. After trying to resolve the issue I spoke with XXXX and Early Warning trying to get the issue taken care of. I spoke with a representative at XXXX on XX/XX/XXXX and told him my issue how Im being misreported as fraud. He basically told me he knows and XXXX XXXX XXXX risk department reports EVERYBODY as fraud even if they havent committed any type of fraud and if I dispute its a waste of time because XX/XX/XXXX works for the banks not the people. He later told me also if I wanted it removed I would have to wait 5 years or pay {$400.00}. I then called Early Warnings about the situation and they told me to file a dispute which I received the documents in my email XX/XX/XXXX. This entire time Ive been misreported and its completely unfair to me because I cant get no type of Bank accts. All of them see me as fraud when Ive never done such a thing. I paid the {$38.00} that I indeed owe and I just want things to be done fairly. Yes I owed on a negative balance, no I didnt commit fraud. I called XXXX XXXX XXXX risk department today ( XX/XX/XXXX ) to see if they updated XXXX and Early Warnings so I could pursue getting me a new account with a better bank who doesnt just reports every account closure as fraud. The lady told me even though I paid, this account will stay reported as fraud until XX/XX/XXXX. I then told her that Ive never committed fraud and its reporting inaccurately. She told me that I shouldve filed a claim after the account was closed. I wouldve indeed filed a claimed if the account was closed to fraud, but I was under the impression that my acct was only closed because I had a negative balance of {$38.00}. Nobody at XXXX XXXX XXXX can tell me how I committed fraud but theyve reported me. This is completely unfair and its causing unnecessary stress in my life because Im being reported for something that I didnt do. XXXX and Early Warnings are working with the banks so its basically 3 against 1. Ive never committed fraud and XXXX XXXX XXXX is violating my rights. I demand some type of physical or legal proof showing I committed fraud, if not I need this misreported information removed immediately. Its at the point now where its affecting my daily life because I cant get another bank acct anywhere. If theres no proof where I committed fraud, I need to be removed from XXXX and Early Warnings immediately. Like I stated earlier, having an negative account and committing fraud are 2 completely different things.
08/18/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • 11385
Web
On XX/XX/2020 I was a victim of a scam and yes it was my fault for not knowing this I needed help with linking my account with XXXX XXXX company and I got there phone number from XXXX search I called the number which was XXXX I called and they answered XXXX XXXX they said they would help me they said I had to make dummy transactions which I will get the money back 2 transactions of XXXX totally XXXX dollers were made to phone number XXXX from your bank through XXXX after the second transaction I told the rep to cancel this and return the money he said he could not until I make the 3rd I immediately called XXXX XXXX XXXX and ask them to stop the transactions and they told me 2 of them already left I told them how could they leave in a matter of 2 minates and not put in a pending status they put holds on my accounts and was told by XXXX XXXX that to go in to the branch and they will give me new accounts without the joint account holder present, I went into the branch i felt very uncortabke which I told the rep conducting this through a teller window becuase customers on line waiting can hear my information she said only way to do this I asked her for her help she said we dont open or change accounts at the branch and would offer some asisitance but she does not have to do this becuase all bank business is done on computer then I was told I need the joint holder present which I was told on the phone I did not have to do XXXX then teller told me she would be back in a hour she needs to do something for her boss the rep I was dealing with was XXXX and unasked for the manager I was told no mama her was in the branch I thought mama get would be mote understanding becuase i was a victim of fraud a scam but told no manager after 4 hours there at the bank they did not help me completely and not putting joint holder on new account.and when the teller came back the teller in the next window elderly XXXX woman told me I was holding up her job and she had to do extra work becuase of me. They never gave me temp checks to use. When I went home I tried to call the XXXX number to add joint holder they claim to have computer problems and could not help me for days they sent me 50 checks in the mail but when I received them the account number was wrong on the checks to this day I have not received new checks I know this is partially my fault that I was a victim of fraud and a scam but if the bank did not dispose these funds right away which usually takes hours or the next day the criminal activity could have been stopped I feel very bad about the whole situation and I filed a claim and I was told it was denied I feel very bad that my money was taken and also the treatment using XXXX XXXX I feel the claim should have been honored its legit a complaint about this situation a complaint was filed with the mustard attorney general, fbi and report will be filed with the police I wish this never happens to anyone what I went through and wish you would reconsider my claim I have been put through a lot please help me
07/25/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • FL
  • 331XX
Web
On XX/XX/XXXX I was in a agreement XXXX XXXX FOR DEBIT CARD I was denied activation By a third party Early Warning XXXX XXXX after I secured XXXX Funds on a recorded call Tuesday afternoon @ XXXX XXXX eastern time I was told that based on information In there database server they collect information to deprive Certain ethic group based on color statues of law Which is violating 42U.S.C 1983 SECTION is a federal Every person who under color of any statute, ordinance, regulation, custom, or usage, of any State or Territory or the XXXX XXXX XXXX , subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, Suit in equity, or other proper proceeding for redress, except that in any action brought against a judicial officer for an act or omission taken in such officer 's judicial capacity, injunctive relief shall not be granted unless a declaratory decree was violated or declaratory relief was unavailable. For the purposes of this section, any Act of Congress applicable exclusively to the XXXX XXXX XXXX shall be considered to be a statute of the XXXX XXXX XXXX. 42 U.S.C. 1983 ( emphasis added ). Section 1983 was enacted on XX/XX/XXXX as part of the Civil Rights Act of XXXX, and is also known as the " XXXX XXXX XXXX XXXX '' because one of its primary purposes was to provide a civil remedy against the abuses that were being committed in the southern states, especially by the XXXX XXXX XXXX. While the existing law protected all citizens in theory, its protection in practice was unavailable to some because those persons charged with the enforcement of the laws were unable or unwilling to do so. [ 1 ] The Act was intended to provide a private remedy for such violations of federal law, and has subsequently been interpreted to create a species of tort liability. [ 2 ] The number of cases that have been brought under section 1983 has dramatically increased since XX/XX/XXXX when the Supreme Court decided XXXX v. XXXX. [ 3 ] In XXXX, the Supreme Court held that a police officer was acting " under color of state law '' even though his actions violated state law. [ 4 ] This was the first case in which the Supreme Court allowed liability to attach where a government official acted outside the scope of the authority granted to him by state law. Since XXXX v. XXXX was decided, an extensive body of law has developed to govern section 1983 claims. This article is intended to provide an overview of that extensive body of law, and will include seminal precedent from the United States Supreme Court and the XXXX Circuit Court of Appeals -- a comprehensive study of all law related to section 1983 is beyond the scope of this article. I was XXXX XXXX XXXX and took to XXXX from a homeless shelter for a paid child support payment because illegal color of laws Will address the Supreme highcourt on this matter
12/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • WA
  • 98512
Web
I sent them a letter on XXXXXXXX requesting my full file disclosure per 15 USC 1681g ( a ) ( 1 ) and they never responded. I also requested to opt out, freeze their account and set up fraud alerts and they have ignored my requests. XX/XX/XXXX Sent via US Mail Early Warning Services , LLC Attn : Consumer Services Department XXXX XXXX XXXX XXXX XXXX, AZ XXXX To Whom it May Concern : I am writing to request that you send me EVERYTHING in my consumer file at EARLY WARNING SERVICES , LLC and any of EARLY WARNING SERVICES, LLCs subsidiaries and stored by any of its subsidiaries or any other entities maintaining data on behalf of EARLY WARNING SERVICES , LLC and its subsidiaries as of the date that you receive this notice regardless of the location it stored and how ; pursuant to 15 UC Code 1681g ( a ) ( 1 ). Please black out the first five ( 5 ) digits of my social security account number in all correspondence you send me to safeguard my privacy. I am requesting the following additional items be sent to me in the same package : Pursuant to 15 UCS 1681g ( a ) ( 2 ), all sources of information in my consumer file at EARLY WARNING SERVICES , LLC and any of its subsidiaries. Pursuant to 15 UCS 1681g ( a ) ( 3 ) ( A ), the identification of each person/company that procured a consumer report with my information from EARLY WARNING SERVICES , LLC and any of its subsidiaries. Pursuant to 15 UCS 1681g ( a ) ( 3 ) ( B ), the name, trader name, address, telephone number, email of each person identified under 15 USC 1681g ( a ) ( 3 ) ( A ). Pursuant to 15 UCS 1681g ( a ) ( 4 ), the dates, original payees, and amounts of any checks in my consumer file at EARLY WARNING SERVICES , LLC and any of its subsidiaries used to adversely characterize me. Pursuant to 15 UCS 1681g ( a ) ( 5 ), a record of all inquiries received by EARLY WARNING SERVICES , LLC and any of its subsidiaries in the past one ( 1 ) year preceding the receipt of this request that identified me in connection with a credit or insurance transaction that I did not initiate. This is a request for my full file disclosure to include all obsolete and archived information on me as permitted by the Fair Credit Reporting Act. This is my first full file disclosure report request for this calendar year from EARLY WARNING SERVICES , LLC and any of its subsidiaries. I am NOT requesting a copy of my credit report. I trust that you will take this matter seriously and resolve it in a fair and expedient manner, but not later than 15 days from receipt of this request. I look forward to your immediate action and a prompt resolution. I am freezing any account you have opened in my name, please add a fraud alert and I am opting out per 15 USC 6802. You or any of your affiliates do not have my permission to disclosure, share or report anything about me or any account. Sincerely, XXXX XXXX Enclosed please find a copy of my drivers license, SSN card, and my utility bill for the purpose of verifying my identity and nothing more.
08/26/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MI
  • 483XX
Web
Received a bill via email from XXXX XXXX XXXX. a company I hired to conduct soil samples at my residency. When the borings were complete I was asked to pay the {$3000.00} fee via Zelle, as the company was in the middle of an audit. I called the company XXXX XXXX XXXX XXXX. ), and confirmed the contact who was emailing me was indeed an employee with the company, she was. I tried to process the amount owed through Zelle but there was a {$500.00} daily limit. I made 5 payments for a total of {$2500.00}. XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} I received an email stating the email address needed to change on the Zelle account and this is when I called XXXX the evening of XX/XX/XXXX, to ask if this was normal. I am advised that it is not and to talk with XXXX. I call XXXX and speak with the person whom was sending the emails, only she did not send me ANY emails. I speak to her boss and forward all emails to them. They did not send the emails and did NOT receive any payments. I am told the fraudulent activity is in my hands because they did not receive anything from me. I make a police report with XXXX XXXX Police and call XXXX, XX/XX/XXXX. I am not only worried about the {$2500.00} but I am also worried about my XXXX accounts. I ask if a claim could be filed and if the accounts could be put on hold until we sort through this? The representative replies, there is nothing to sort through, fraud had not taken place, that I willingly made the payments and Zelle/XXXX would not stand behind it. I made a comment about possibly needing to close the accounts and the representative replied I should do that and hung up the phone on me. I scheduled a meeting with my branch location for the following day ( XX/XX/XXXX ). The branch personnel takes notes and tells me she will turn everything over to the Escalation Department and they will reach out to me, typically within 24 hours. I wait and hear nothing. I call the branch back and get the person assigned, claim # and phone #. I continue to call this department. Finally I speak to the person assigned and she tells me she has to speak to the Complaint Department to see if a claim had been filed. I tell her that a claim was NOT filed as I would have made reference of the number and that the person I spoke with hung up on me. She said she would have to hear from them. Five days later XX/XX/XXXX I am told from the Escalation Department that I need to file a Claim and Im given the same phone number that I called XX/XX/XXXX. I file the claim and receive an email this morning XX/XX/XXXX, telling me the claim has been closed. I called and before I could ask why the claim was closed the person informed me again that it was not fraud, that I willingly made the payments and that they were done with this issue and kept stating that they do not recommend Zelle for payments outside of family and friends. That I made the payments and there is nothing to be done.
01/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30228
Web
After a recently submitted complaint to CFPB about an identify theft and fraudulent act committed toward me by XXXX XXXX XXXXXXXX, XXXX, and XXXX XXXX, I received a call from a XXXX XXXXXXXX XXXX representative after I was emailed that they were to respond to CFPB. I wasn't asked anything but if I would like to discuss anything with her, the representative, about the matter. This came off to me as " guilt '' or confession to the alleged act toward me. This person then said to me they would " let me know something or make a decision '' in a few days ; as if I was under an " approval application '' standard! ; after replying " no '' to the question but then explaining just a few details about the matter as a courtesy. This Bank was asked to respond to CFPB, not me. I'm complaining about this BANK and the credit reporting agencies attempting to make this a matter of approval of a simple bank account, which it is not! Because of this, my name should definitely be removed from these 3 agencies ' files completely and never placed back into the system unless and/or until a civil court Judge rules favor for so. The documents show proof of intent to lie to the government or harm the recipient, myself, either physically or criminally through cybercrimes. This call was posed as threatening ; by attempting to place me under an illegitimate " application approval standard '' concerning this fraudulent credit reporting matter ; which reads 0 $ monetary loss ; without including CFPB. Therefore insulting the work and objectives of both XXXX XXXX and XXXX XXXX ; which is to record actual " fraud '' involving " CHECKS '' and transactions that abundantly exceed the amount of {$0.00} in loss Page 3 of the attached file : After receiving the consumer report from XXXX XXXX, I am able to see that, I, the consumer requesting the report, should have my file deleted immediately. The incident date in the file does not match the date the account was closed or ANY DATE IN BETWEEN the opening and closing of the account. This proves that no such incident occurred and that the bank should be held accountable. And that so, by clearing my name and deleting this information on file immediately. Account opened : XX/XX/2017 Account closed : XX/XX/2017 That any manner of transaction or attempted transactions, if any, were authorized and proves " wrongful suspicion '' Incident Date : XX/XX/2017 Principal Loss : {$0.00} Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. The bank account was closed at this time. Any card from the institution also deactivated on date of account closure Open Date : XX/XX/2017 Close Date : XX/XX/2017 Current Account Status : Closed For Cause-Purged Previous Account Status : Closed For Cause Date of Last Status Change : XX/XX/2017 Name : XXXX, XXXX, XXXX Email Addresses : XXXX Balance Information : Month/Year Balance XX/XX/2017 {$0.00} XX/XX/2017 {$0.00} XX/XX/2017 {$0.00} XX/XX/2017 {$10.00}
10/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • XXXXX
Web
So early warning services LLC is the company that is truly the credit company. It tells all the big banks wether they can trust the info being given. So what happens when it has all the info wrong. Or thought it was part of the XXXX XXXX scandal. When in actuality XXXX is XXXX XXXX is XXXX XXXX XXXX is XXXX & XXXX is XXXX XXXX XXXX. So what happens if you found out in XXXX XXXX XXXX had your social wrong. And the XXXX system that helped locate the fraudulent opened accounts under XXXX XXXX. Saw my wrong info. Because even though we found it in XXXX. XXXX couldnt delete it. The people at the top and the bottom at XXXX XXXX. Have no idea about the company that actually controls them. No one does usually. But the account ROUTING number XXXX has for me. That XXXX XXXX doesnt. Because its a reporting company. The disconnect begins. When all the info is right. But then you remember who owns XXXX. Who owns the Mobile app for XXXX XXXX. When you check XXXX who owns that info. XXXX. then if you know that these banks own XXXX then it makes sense that they can get away sharing Our info. Since XXXX XXXX is part owner of it. Then you start to realize how does the gov get their info and identity markers. Well take it from someone that has had no access to their own credit ever. Why? Who knows. But XXXX does. A little obsecurw company in Arizona. That surprisingly makes a lot of money off the gov. Hmmm. Please stop insulting my intelligence. The person reading this. I get it. You may not even know. So forward me to someone that does. I have the info/evidence. Anytime I show it to someone I end up in the highest offices. So someone please explain to me. Whos routing number this is. And why is it register to a location. Ive never been in. Until this week. Causing my banks to literally get charges filed on me continuously. For giving my real info. For the love of XXXX I hope this is an isolated incident. So its going to take more than a level one or two level access clearance worker. This should go to the top to XXXX XXXX XXXX XXXX XXXX. Even though he left. So they say. I will start to dispute the charges. But Ill do it through here. Since XXXX still uses an archaic system. That requires an old pc to use their secure message server. Much like XXXX. Oh wait LOL. XXXX is XXXX. So what did the fed reserve use to send out stimulus checks? But you are just a little reporting agency. 18 years of my life. Its time someone tells me whats going on. I wont go away. Please stop with the run around. This is the routing number I need answers on. XXXX XXXX has no idea. XXXX has no idea. All I know is its not my first bank account. So why is it what you guys have Routing XXXX Not to mention it says my checks are XXXX XXXX California.. Nope. Def not. As you can see in the pics. The account XXXX thinks is closed. Yet its not. Yes its negative but Im through paying fees to my bank because they have no idea a company they own that truly Controls everything.
10/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CO
  • 81504
Web
So early warning services LLC is the company that is truly the credit company. It tells all the big banks wether they can trust the info being given. So what happens when it has all the info wrong. Or thought it was part of the XXXX XXXX scandal. When in actuality EWS is XXXX XXXX is XXXX XXXX XXXX is XXXX XXXX XXXX is XXXX XXXX XXXX. So what happens if you found out in 2013 XXXX XXXX had your social wrong. And the ews system that helped locate the fraudulent opened accounts under XXXX XXXX. Saw my wrong info. Because even though we found it in 2013. XXXX couldnt delete it. The people at the top and the bottom at XXXX XXXX. Have no idea about the company that actually controls them. No one does usually. But the account ROUTING number EWS has for me. That XXXX XXXX doesnt. Because its a reporting company. The disconnect begins. When all the info is right. But then you remember who owns zelle. Who owns the Mobile app for XXXX XXXX. When you check XXXX who owns that info. EWS. then if you know that these banks own EWS then it makes sense that they can get away sharing Our info. Since XXXX XXXX is part owner of it. Then you start to realize how does the gov get their info and identity markers. Well take it from someone that has had no access to their own credit ever. Why? Who knows. But EWS does. A little obsecurw company in Arizona. That surprisingly makes a lot of money off the gov. Hmmm. Please stop insulting my intelligence. The person reading this. I get it. You may not even know. So forward me to someone that does. I have the info/evidence. Anytime I show it to someone I end up in the highest offices. So someone please explain to me. Whos routing number this is. And why is it register to a location. Ive never been in. Until this week. Causing my banks to literally get charges filed on me continuously. For giving my real info. For the love of XXXX I hope this is an isolated incident. So its going to take more than a level XXXX or two level access clearance worker. This should go to the top to Mr XXXX XXXX XXXX XXXX. Even though he left. So they say. I will start to dispute the charges. But Ill do it through here. Since EWS still uses an archaic system. That requires an old pc to use their secure message server. Much like zelle. Oh wait XXXX. EWS is zelle. So what did the fed reserve use to send out stimulus checks? But you are just a little reporting agency. 18 years of my life. Its time someone tells me whats going on. I wont go away. Please stop with the run around. This is the routing number I need answers on. XXXX XXXX has no idea. EWS has no idea. All I know is its not my first bank account. So why is it what you guys have Routing XXXX Not to mention it says my checks are XXXX XXXX California.. Nope. Def not. As you can see in the pics. The account EWS thinks is closed. Yet its not. Yes its negative but Im through paying fees to my bank because they have no idea a company they own that truly Controls everything.
07/08/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • CA
  • 900XX
Web
On several dates which began XX/XX/XXXX thru and including XX/XX/XXXX transactions via Zelle were made by XXXX XXXX from my XXXX bank account to her XXXX XXXX account without my knowledge or authorization. Her phone number is : XXXX and her address is : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Her email is : XXXX and XXXX. When I checked my account and noticed the missing funds I notified XXXX and they applied a temporary credit to my account. The following are the transactions : XX/XX/XXXX - two ( 2 ) transactions of {$500.00} = {$1000.00} XX/XX/XXXX - two ( 2 ) transactions of {$500.00} = {$1000.00} XX/XX/XXXX - four ( 4 ) transactions of {$500.00} = {$2000.00} XX/XX/XXXX - two ( 2 ) transactions of {$500.00} = {$1000.00} XX/XX/XXXX - one ( 1 ) transaction of {$900.00} = {$900.00} XX/XX/XXXX - one ( 1 ) transaction of {$500.00} = {$500.00} XX/XX/XXXX - one ( 1 ) transaction of {$120.00} = {$120.00} The above transactions total {$6500.00} this theft overdrew my account which caused me great deal of financial hardship not the least of which was my rent payment. To add salt to the wound XXXX without any clear explanation reversed the credit and proceeded to charge my overdrawn account various banking fees. I contacted the customer claims department more than once, asked for supervisors and went into a local branch where the person there did exactly what I have been doing. She called the customer claims dept only to be told ( as I have been ) the claim was denied due to it have been done via my phone. I explained to the claims dept that the person had photographed my chase debit card ( as well as other credit cards ), stole my license and my XXXX. XXXX asserts that they had no responsibility to me as their customer to alert me when the transactions were made as there was nothing that stood out as possible fraud. I questioned them since when I have tried to make purchases myself for example at the XXXX store I would receive a fraud alert and yet 4 transactions of {$500.00} within seconds of each other on XX/XX/XXXX did not apparently cause concern and raise a red flag for me to be contacted. I have proceeded to contact the executive office in NY corporate office and XXXX at XXXX ext.XXXX was investigating the matter ( ref # XXXX. Since my contact with the executive office was on XX/XX/XXXX and I had not heard back from XXXX I contacted her today and she regurgitated that the claim is denied and she would be unable to credit the fees which are approximately {$300.00}. She did state that she escalated the matter for further investigation however, she stated that the claim would still be denied. That made absolutely no sense. XXXX has failed to protect me their customer and allowed a thief to perpetrate bank and internet fraud against me via another scam of an entity ZELLE. I am requesting assistance from the OCC as I have enormous medical bills that are a result of the trauma that this person XXXX XXXX has caused me.
07/09/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • CA
  • 94606
Web
My sister transferred money to my account as an emergency cover for some expenses this morning. She used Zelle/clearXchange through her XXXX platform in order to get the money to me immediately. I have sent her payments though Zelle and it goes through within moments- 15 minutes at the outside. I got a confirmation email that a payment had been sent to me through Zelle/clearXchange, and that I should check my account for the deposit. Both companies were listed- in face it was stated stated that clearXchange is now Zelle . Not only was the money not showing up when I called- hours later I found out that it was not due to be visible for 3 business days! When I initially called Zelle they told me that had no idea what would take so long and that length of transaction was up to the bank sending the money. So, I called XXXX the issuing bank. They informed XXXX that no, the money went into the the Zelle/clearXchange network immediately and it was now their proces. I then called Zelle/clearXchange back and was told I just needed to activate my email for money transfer through Zelle. I tried that, was impossible- becasue it was active under clearXchange ... .which I was told is the same as Zelle, but becasue the same email address was active with clearXchange- i could not make it active with Zelle. It is important to note that on each of these phone calls the agents verified my account and could see both my Zelle and clearXchange information. So these differing and not useful instructions seemed odd. I called one last time and stonewalled. The agent told me that clearXchange was the same company as Zellle- but he had no idea where the cash was or how long it would take to reach me. He literally just kept saying I apologize but it will be 3 business days. I asked why- he said the same thing. He told me that if I had deactivated the clearXchange email connection prior to the transfer them money would have gone through Zelle. I asked him how a person would know that- he did not answer. All three agents told me that could see the transaction- but could not give me any information on the process or the ETA of the deposit. They all said they could not expedite the process, and claimed no knowledge of why it would take so long for an electronic transfer through a quick-pay app. I believe that this money transfer app is exploiting loopholes to hold onto customer 's cash for longer than expected. Each agent told me something different, and said they had no information on a transaction passing through their interface- and could not access any information on it. They would just keep repeating themselves- regardless of the question. I am now not able to get the cash for days- and the whole process is useless, I would have been in the same position had I not used Zelle/clearXchange. I would be in a far better position if I had used another service- or if all the different qualifiers for " quick '' payment had been disclosed.
06/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Identity theft protection or other monitoring services
  • Problem canceling credit monitoring or identify theft protection service
  • TX
  • 75231
Web
I sent Early Warning Services LLC, a consumer letter, which template is found online, requesting that the company place a security freeze and permanent opt-out on my account on XX/XX/2022. On XX/XX/2022, the company sent a response stating that it was exempted from both placing a security freeze and opting me out of their sharing of my consumer report in their offices as they claimed that the company does not offer direct to consumer products that may be opted out. The correspondence, which included two letters, used the Fair Credit Reporting Act Section 603 ( x ) to justify supposed exemption from placing the requested freeze and opt out. In response to the letters, I immediately called the company on the same day and attempted in vain to have the company place the security freeze and permanent out-out. I spoke with two male representatives, XXXX and XXXX, and both were adamant in the position and specifically stated that the company was content in its decision to not allow me to engage in my right to have a security freeze or opt-out. On XX/XX/2022, Early Warning Services LLC, sent to me a consumer report and the report included several pages regarding consumer rights and FCRA. The 15-page document on page 12 has a header that states verbatim " CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE '' and under said header it goes into minor particulars of how consumers have a right to place a security freeze and sue any violator. On the same page before the section dealing with the security freeze there is a bullet point stating that I as consumer have the right to limit prescreened offers of credit and insurance. It baffles me to no end that Early Warning would send a consumer report detailing to me that I have the right to both place a security freeze and permanently opt-out of prescreened offers and yet also send to me correspondence detailing to me that it is exempt from such requirements. I did take the liberty to call the CFPB prior to this online complaint and was informed by the agent that she had no documentation on any such exemption of any CRA from adhering to the FCRA reporting requirements. And on the contrary, in my own research, I can find no such exemption for any CRA to not allow a consumer to engage in his right and place a security freeze or opt-out of the said CRA 's sharing of consumer information without the consumer 's express consent. And my research details that many other consumers have also had issues with Early Warning not placing security freezes or calling in to the company and having the agents tell them that Early Warning is exempt from placing such freezes because it is a specialty agency. I have researched the laws and the section that Early Warning likes to weaponize against consumers does not offer any type of exemption to any CRA to place security freezes or allow consumers to opt-out of the sharing of the consumer data. It does define specialty agencies but that's it.
06/04/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33431
Web
Early Warning A financial credit reporting agency has prevented me from opening a business banking account. Below was written to the company. Dear Early Warnings, I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file EWS maintains under my Social Security number. I called in to resolve this and explain the circumstances. My checks were canceled due to them missing from my car along with my debut card. No checks were cashed and no money was missing from my XXXX XXXX XXXX account nor was their any fraudulent activity. I do not owe XXXX XXXX XXXX and money in fact they owe me money. You are falsely reporting information without any proof and XXXX XXXX XXXX has admitted that there is no bad debt with their company nor any wrongdoing on my end. I will not engage in your process I will file lawsuit and sue your company for XXXX XXXX USD in damages due to the account at XXXX being frozen over your reporting with XXXX XXXX USD in it. Every day my account is blocked due to your reporting I will hold Early warnings responsible for damages to my clients funds traded in the market. I am not just contacting you to evolve in a frivolous dispute for you to validate this claim. I am contacting you because you are in violation of many banking regulations and Federal Credit Reporting Act consumer laws : XXXX XXXX XXXX Sec. 3403. Confidentiality of financial records ( a ) Release of records by financial institutions prohibited ( B ) Release of records upon certification of compliance with chapter Sec. 3410. Customer challenges ( all as such ) Sec. 3412. Use of information ( all as such ) EWS-participating as consumer reporting agency [ ( p ) The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumer 's credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ] 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. A credit report includes information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy. My Report was not sent in the timeframe by law and still has not been received. I made a phone call to get the following information from your support and found the information supplied is illegally supplied to early warnings and also is incorrect.
06/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • FL
  • 33312
Web
I received an updated report ( Exhibit 1 ) prepared XX/XX/ with Consumer ID XXXX by Early Warning Services LLC that contains my personally identifiable information that has been gathered and has misused and has contributed toward deprivation of rights and misappropriation of my personal property as a result of the information collected without my written consent. I hereby submit this complaint as a federally protected consumer pursuant to the Fair Credit Reporting Act, Fair Trade Commission Act, Sherman Act and the Graham Leach Bailey Act against the authorized officers, XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) of Early Warnings Services LLC for their participation in conspiracy, unfair and deceptive practice resulting in the illegal restraint of trade, the defamation of character and slanderous hearsay information in consumer reports that resulted in the deprivation of my right to an an account by XXXX XXXX XXXX ( Exhibit 2 ). Based on the foregoing, I believe I have targeted on account of race and national origin ( see credentials attached/US passport XXXX and denied a right I am entitled to exercise without good cause shown. I been made the victim of identity theft and what appears to be an data breach for which I am making this complaint against Early Warnings as dispute of unverifiable information and unauthorized reporting of my non-public Personally identifiable information as identity theft, misappropriation, unauthorized use and racketeering activity by Early Warnings. Notice to Early Warning Services LLC, I revoke any and all consent to any communication by use of XXXX XXXX and/or electronic agents and demand a response from an authorized officer I have notified Early Warning Services LLC of my right of consumer privacy and Early Warning Services LLC by aggravated identity theft has deliberated encroached upon my right of privacy by an act of XXXX XXXX. I have instructed Early Warnings to promptly Cease and desist the unauthorized use and to exclude from the report information solely as to transactions or experiences between me the consumer and the person ( s ) making the report and to also exclude any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card ( social security card ) or similar device ( social security account number ). Early Warnings has disregarded my permissible written instructions has instead sent me an unauthorized updated report as evidence of identity theft by compelled disclosure of my social security account number. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. I revoke any and all consent by Early Warnings Services, LLC and its affiliates heirs and assigns all use of my personally identifiable information.
12/11/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 91030
Web
Hello, Below is a description of the incident. My name is XXXX XXXX. I was searching online to buy a XXXX puppy for my kids for XXXX and came upon this site https : XXXX After email exchanges with the breeder, I proceeded to purchase the XXXX XXXX for {$850.00} total and paid for it by Zelle which is hooked up to my XXXX checking account on XX/XX/2021. I was asked to send a picture of the Zelle confirmation by the breeder. Breeder confirmed they received my payment and they'd ship the puppy the following day from Oklahoma since it's already late. I got confirmation by email and text from this number XXXX XXXX ( same number on the emails from breeder ) the following day that the puppy was dropped off at the pet shipping agency, that they will contact me next, but I was warned that the shipping agency didn't take their old crate and need to use a different crate for traveling. I then got an email from the shipping agency XXXX XXXX XXXX confirming the shipment of the puppy, tracking number, and the shipping and delivery is paid. Then I got a call from the shipping agency from this number XXXX that I need to pay for a thermal crate or the puppy won't be able to travel, the fee is {$1700.00} and I'd get 95 % refund back to my Zelle account when the puppy arrives at my address. They advised me to break up the payment if I hit a limit with Zelle. I was only able to send {$1000.00} then {$500.00} via Zelle and they asked me to get a XXXX gift card for the remaining balance and send them a picture of the receipt and front and back of XXXX XXXX. I did that and emailed them the photos and they confirmed receipt. I received a call from the pet shipper again now asking for {$1900.00} for pet insurance needed to ship the puppy, that the puppy is stuck in Colorado and that if I don't pay then the puppy will be abandoned, they'd call the FBI. I said I'd pay by credit card but not Zelle or XXXX which they were asking me to. I then told the pet shipper on the phone that I will cancel the shipping, that this is a scam. The pet shipper said they'd send me a refund in 72 days and sent an email stating so. I told the pet shipper on the phone I need the refund back to my Zelle account now. I also called the breeder who told me to pay the pet shipper, that he had been using them for 5 years and that I will receive the dog. He said he can't really talk cause his daughter is at the hospital ill. I called the breeder again and the number XXXX is disconnected. I sent the breeder an email saying I need a refund of the {$850.00}. No response from both. I've reported this to Zelle, my bank, as well as the local police here in XXXX XXXX CA ( report # XXXX ), FBI IC3 , FTC, XXXX, XXXX. I reported this on XXXX. I also reported it to the web hosting site, XXXX, and the breeder site was taken down on XXXX. The pet shipping site is still up, I reported it to XXXX on XXXX.
04/21/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • LA
  • 71360
Web Servicemember
On XX/XX/2020 my husband and I sent {$650.00} to a woman who claimed to have a XXXX kitten for sale. She has an entire webpage and claims to be a breeder of 12 plus years with Marvelous XXXX Kittens. I reached out to her via email to ask about the kitten. She was very prompt and knowledgeable in her responses. Ultimately, after receiving pictures and having all of our questions answered, and feeling comfortable with her, we decided to purchase the kitten, and he was to be shipped to us. We were told to use Zelle for a payment method. I had never heard of this, however, we bank with XXXX and the Zelle option is in their app, which seemed legit. The transaction was made. The next day I received another email from her stating all arrangements had been made and the pet carrier would contact me with delivery. I received an email from someone claiming to be with XXXX XXXX XXXX, stating they had my kitten and were getting ready to fly him from Arkansas but before they proceeded they needed me to purchase an air conditioned pet crate. Options to rent/and or buy one were given in the email. The crates were upwards of {$1000.00}! The email stated that after delivery 98 % of my money would be refunded. This sounded incredibly weird to me and I told the lady that I wasnt comfortable with this and that this wasnt disclosed beforehand ; I had already paid {$650.00}, {$100.00} of which was to pay for shipping. She told me this was the carriers decision and there was nothing she could do. I told her then to please refund my money because I wasnt comfortable with what was going on. She never responded. I sent several emails and she has yet to respond to any of them. Obviously, my husband and I were dealing with a scammer. We filed a complaint with XXXX, because thats what Zelle said to do, that they werent responsible. Our bank got back with us and told us pretty much there was nothing they could do because the payment was made through Zelle, a money transfer service that they back! This is absolutely ridiculous! We got scammed and want our money back and nobody is responsible?! After doing some research, thousands of people are complaining of the same thing when it comes to Zelle, that they claim they arent responsible. How many more people have to come forward and tell about how they are being scammed and Zelle AND their banks are turning a blind eye, before a lawsuit is filed? I am so upset at all of this. I have every single email correspondence, the Zelle transaction and everything. The bank nor Zelle even want it! I have the proof! I even have pictures of the fake website she has created. How many others are there? I just want my money back. My husband and I have XXXX kids and this just isnt right. I need to know what my next step is because Im not letting this go. Its not chump change. Its {$650.00}! Someone has to do something.
08/08/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CO
  • 802XX
Web
On XX/XX/XXXX around XXXX XXXX I posted a listing to XXXX for my couch. I was asking {$1000.00}. Somebody contacted me and said they'd not only buy it but they'd pay for a mover to pick it up. They emailed me a check for {$2500.00}. {$1000.00} for me {$100.00} for me to hold the couch and {$1400.00} for the movers to pick it up and bring it to their son 's house for his birthday. I deposited that check. They said that the movers wanted to be payed before pick up. I called my bank, the XXXX XXXX XXXX XXXX, and the bank told me the check had cleared. I thought that the word cleared meant that the money was officially mine, so I payed the movers a holding fee of {$500.00} out of that {$2500.00} check. The next day, XX/XX/XXXX, they wanted me to send the remaining movers payment, so {$900.00}, but not using the original means of payment which is a XXXX XXXX app called Zelle. I thought that was very strange that I had to pay these movers before the job was done. And they wanted me to wire the {$900.00} to a person in Kentucky using a XXXX money transfer. I said that was odd and they then begged me to try XXXX, XXXX, and XXXX XXXX. I knew something bad was happening and I said no to each. Each time they gave some excuse and a new username to send the {$900.00} to. I called my bank because I was suspicious. They told me I had been scammed and that the check would likely bounce. In the event of that happening I would be legally responsible for the {$500.00} that I sent over the XXXX XXXX app, Zelle. Sure enough the check bounced and I was negative {$500.00}. I froze my account to keep anything else crazy from happening. I called Zelle trying to cancel the transaction and Zelle said they couldn't do that and they weren't responsible for the transaction, but the woman on the phone barely spoke English and I doubt she understood me. I went to the police and filled a report and made a statement. They transferred my case to a detective in the fraud unit and I'm waiting to hear back from them. I was working today and I went to check my account. I had spent {$97.00} when I thought I had just made {$1000.00} selling my couch, so that makes sense. I sent {$500.00} when I was scammed and the bank says I'm responsible for that. But now it says I owe another {$2500.00} for a total of like {$3000.00}. That doesnt make sense to me. I can see how the {$2500.00} check was deducted from my account, taking my balance from {$2000.00} ( remember that I payed the " movers '' {$500.00} ) down to a negative {$500.00}. However now my balance says its negative {$3000.00}. How is that possible? I've called every phone number connected to the bank and each time they say I'll get a call back when the bank isn't busy .... but I'm still waiting for that call and it the mean time who knows what's happening to my bank account.
08/29/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • AZ
  • 85383
Web Servicemember
XX/XX/XXXX : I paid XXXX @ XXXX via XXXX for a Tip for Balloon animals at XXXX XXXX. As soon as I was sent I tried to remove him as a contact, it was not clear immediately how to do this. I would try to do this later. ( See attachment XXXX ) XXXX : Went to pay my rent of XXXX to my XXXX XXXX. I accidently sent this to XXXX whose name was now in the same location as my landlords was. I did not realize until after I sent it. I immediately called XXXX, went to XXXX and let him know it was a mistake. I also followed up with a text. He has an iphone and my texts were blue. At this time the status of the Zelle transaction was delivered. I also called XXXX right after and the office was closed. XXXX : Called XXXX first thing was transfer to the claim department and filed a claim with Zelle to do a courtesy reversal. They said it could take up to 10-15 days. Claim # XXXX Called the XXXX XXXXy to attempt to reach XXXX. Spoke to the General Manager XXXX. He said he would reach out to XXXX for me. At this point my text were not green which would indicate he was either out of reach or blocked me. XXXX called back and XXXX stated he had not received the money yet and as soon as he did he would return it. Status still shows delivered. XXXX Zelle status shows completed. ( see attachment XXXX ) I called XXXX XXXX again to attempt to reach XXXX, no luck. Left message for him to get back to me. XXXXWent to XXXX to Follow Up with Branch Manager to see what they could do on their end. I am getting no where with XXXX and Zelle. Of course was told it as an on-line transaction and they could not help me. XXXX Follow up with XXXX XXXX XXXX should get status of Claim by tomorrow. XXXX Follow-up with XXXX w/ XXXX and was told claim was denied. XX/XX/XXXX - Called XXXX XXXX spoke with XXXX to get XXXX last name which was XXXX. He has been avoiding my calls and this point I will take legal action. XX/XX/XXXX - I attempted to call Zelle first and was told that XXXX and his bank XXXX XXXXXXXX are member banks and they can not help with any unauthorized transactions and I have to go to XXXX to try to recover the funds and file a claim XX/XX/XXXX - Called XXXX Police to find out what I can do. They placed a call to XXXX who mysteriously called me back. He " called '' Zelle and he said that Zelle placed a flag on the fund and would release them back to me within 5-7 business days. XXXX I texted XXXX and he called me back ( ironically ) we did a 3-way call with Zelle and they told him the same thing they told me. XXXX told Zelle he never got the funds. Zelle said it is not their problem to call my bank XXXX. XXXX I tried calling XXXX again and tried to speak to a manager in Claims. They refuse to help me. They said as far as they are concerned the money left my account and it is not their problem.
03/03/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • IL
  • 60188
Web
XX/XX/XXXX, I had an item listed for sale on XXXX XXXX when I received a message from a lady that she wanted to buy the item. She told me that she was out of town and her daughter could meet me to pick up the item. I told her thats fine but she would have to pay me first or pay me when I met up with her daughter. The amount she owed me for the item was {$130.00}. She agreed and recommended using Zelle. I agreed and the lady asked for my information to pay me. Once I gave it to her I received a email that looked like it was from Zelle saying I had to upgrade my account because the amount of money was over XXXX . Right away the lady sent me a message as well and said she got a email saying the same thing and that she could not send the money before I upgraded my account. She said if I upgraded she would pay for it. I received another email from XXXX XXXX XXXX saying I had to pay government fees as well. I followed The links on the email to pay. The first payment I made was for XXXX for the upgrade fee. the second amount I paid was XXXX for the government taxes. The government taxes email said I had to pay XXXX but I only had XXXX left so that is all I paid. Before I sent these payments I did ask her if we could use another form of payment because I didnt have the money to pay. The lady said that she would pay me back for them but I would have to pay them first. I did notice after the ladys name was different from XXXX to Zelle but the emails from zelle and the bank appeared very real. Once my mother reviewed my bank account we realized this was fraud and I was scammed so I blocked my zelle account on XXXX XXXX and changed my passwords. I contacted XXXX XXXX and Zelle on XX/XX/XXXX and reported this fraud scam and filled a dispute. I received a letter from XXXX XXXX stating the dispute was denied and I would not receive my money back. I called them on XX/XX/XXXX to find out why and they said the dispute was denied because I authorized the payment. I told them it was a scam and fraud and that I received emails from Zelle and the bank that looked real prior to submitting the money. They said it did not matter since I hit the send button. I told them I had kept all the emails and they did not even ask to review them prior to making a decision. They were not able to tell me what their investigation consisted of and if they found the people who competed this scam/fraud. They were not able to give me that information and kept transferring me to the Zelle fraud department and no one ever came to the phone. It would put me on hold and just hang up after several attempts. I asked them why this was not covered under regulation e and they said I authorized the payment and it didnt matter if I was scammed into it. They said I was at a loss Of my {$320.00} and {$70.00} dollars that I sent.
05/11/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • IL
  • 60007
Web Servicemember
I was searching for an apartment and the " owner '' of the home reached out to me regarding the home. He told me he moved to Florida and was working with a realtor who inflated the prices of the home so he decided to place the ad on XXXX. He told me due to Covid-19 that he was not allowing showings but we could drive by and see the place and check out the neighborhood. He sent me an application that I filled out which I completed. He told me if I am approved, he will mail me the keys since he was in Florida. I completed the application, he sent me a lease once I was approved, and I sent him the money for the security deposit and first month 's rent. Prior to sending him the money, I reached out to XXXX on XX/XX/XXXX and asked them what would happen if I send money through the bank and I do not get any keys. The rep told me I can do a dispute to get the money back. At first, I tried to do the transaction through XXXX. I was unable to do so and called the bank again for assistance. I was transferred to another department. After a while, I sent the money through XXXX with the assurance from the rep that if anything fell through, I would be covered through the bank. I sent {$850.00} on XX/XX/XXXX and XXXX. Once the money was sent I was under the impression, the keys will be mailed out to me. He told me will mail me the keys and that is when I realized it was a scam/fraud. After he received the money, he asked for more money. I told him I was not sending him any more money and wanted my money back. He refused to give me my money back and proceeded he will send me the keys and I have not heard back from this person. Afterwards, I reached out to XXXX and explained to the rep what happened ( XX/XX/XXXX ). She started the claim and told me to reach out to the Zelle dispute team to try and stop the second payment. The next day, I reached out to the Zelle dispute team and she marked the email address as fraud to prevent this from happening again to someone else. The following Tuesday XX/XX/XXXX, I called back to file a claim for the second {$850.00}. About 10 business days later, I received a letter that the dispute was declined based on findings. Under normal circumstances, I would not have sent money via zelle. But since we are in a pandemic and people do not want to meet face to face, I was optimistic about the situation. I did not gain anything from this transaction except a loss of {$1700.00} and the service/agreement was not fulfilled. I am told by the bank that Zelle does not protect consumers who have been scammed or frauded out of money which is horrible! There should be some sort of rule in place to help people get their money back especially during a pandemic when funds is already limited. The fact that I trusted a service and is not protected is very disheartening,
02/11/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 960XX
Web
I had previously had a fraud alert on my debit card on XX/XX/23 and my card was restricted/closed. However on XX/XX/23 I received a phone call in the evening at my home from a man stating he was from XXXX XXXX XXXX. The number was registered as such. They told me while fraud had been caught the day before, that Zelle transfers had been done on my account and they needed to walk me through reversing them. I was freaked out and I trusted the info and number assuming it was my bank. So much so that I stupidly did what they said to do. Not realizing at the time that I just transferred funds TO them. After the call was disconnected, I thought about things and validated info in my activity and then realized something was wrong. I immediately contacted XXXX and after waiting on hold for 45mins, finally reached someone. XXXX fraud told me that no that was not XXXX Fraud calling me. I filed the report with them and they are working on it. I tried to contact Zelle on their 24/7 # but that number is NOT 24/7! XXXX said the fraud mobile # account was linked to a XXXX account. They said that it takes time, or its hard to get funds from a Zelle transfer. This is terrifying. I am XXXX old and just lost my paycheck funds to pay my mortgage. I have an adult XXXX XXXX son who is under my care and my husband is XXXX old! We are on a tight budget and I do everything I can to protect our financial lives. So to have someone literally fake my Bank and from their number, is horrifying! I've only used Zelle a couple times to pay my other son, and only on my bank login, so I am not that savvy on what Zelle can, or cant do. Please help us stop this kind of thievery! Zelle should not be allowing these kinds of accounts access and XXXX should really be working harder to block fake calls. Luckily I printed and screen shot the info they told me was for a reverse charge, so the mobile number its registered to may be able to help. Though XXXX said it's likely someone elses ID they used for the theft. What terrifies me is that XXXX already had a fraud on my card. If this issue of scamming is so prevalent, why did no one from Fraud contact me ahead of time to warn me about this kind of stuff? And what about Zelle? If people are getting scammed like this, as seems to be the case, WHY is Zelle not doing more to protect people and stop these fraudsters from using their network? Zelle should have some kind of waiting period of transfers, especially when they are large! Someone managed to steal my card and then figure out what my private home number was. How did they also use a XXXX phone number? They called from XXXX that links to XXXX XXXX This has to stop! I am now scrambling to find a way to pay my mortgage because these fraudsters scammed this poor mom out of her paycheck!
01/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 216XX
Web Servicemember
I faxed ( EWS ) XXXX XXXX XXXX on XX/XX/XXXX. To show proof with any documents bearing my signature showing that I have a legally binding contractual obligation to the banks listed on my consumer report on ( EWS ), and ask if they can not show proof what I am asking for please have it removed. And they replied back on XX/XX/XXXX saying all info was verified but actually didn't show any proof of what I requested. here is a sample of the letter I sent ... " This letter is in response to your recent claim that N/A has N/A verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by N/A. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at N/A regarding this alleged account. I am formally requesting a copy of any documents provided by N/A, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : I also Had a replied back from them In XXXX from my very first dispute in XX/XX/XXXX. Stating " Early Warning does not have access to account documentation and therefore unable to provide copies of any account documents. '' So if they couldn't provide what I was requesting those said accounts should be deleted instead of asking me to contact the said banks to get them. It's not my job to do so, that's why I was disputing to have ( EWS ) to show proof those supposed accounts were mines because they are not that's why they should be deleted.
12/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • NY
  • 13440
Web
The company refuses to answer any questions over the phone. They provided inaccurate information over the phone regarding how long it will be for the report to generate. I asked for a supervisor to verify and the representative ( XXXX XXXX refused to transfer me stating I could call back or he could leave a request for a supervisor to call me. He purposefully disconnected the phone call when I stated I would hold for a supervisor or wanted to be transferred to another representative. A XXXX phone call to the call center resulted in the rep stating they would have to submit a " request '' for a supervisor callback. This callback was hours later and I was not home. This is day XXXX at XXXX XXXX EST. No return call from a supervisor, I called at XXXX XXXX EST ( they open XXXXXXXX XXXX XXXX and again requested a supervisor call back. The account is my son 's, but I am the one filing the complaint because of how I was treated over the phone, and the rep seemed to be able to pull up an account since he put me on hold to " read the notes ''. I was told a call back request was submitted, and was asked when a good time to reach me would be. I told them XXXX for lunch or I get out of work at XXXX EST. I called for the XXXX time, a short time ago, to ask again since there is still no return phone call. This rep stated she could not find an account using our last name, and asked roughly XXXX separate times for my son 's XXXX. They should not need his account information in order for me to receive a call back. If the rep this morning pulled up the account without that personal info, why couldn't this evening 's rep find it? Did this mornings rep lie? Have I waited all day for nothing? Why can't ant we be transferred- why do we need to wait so long for a supervisor callback? They are essentially holding my son 's account ( joint with me ) XXXX since the bank has restricted access to it due to the report this company supplied. They delay our access to this report claiming it takes time ( up to 15 days ) to generate, yet it would have already been generated in order for the bank to make their decision. Other credit reporting agencies offer their services online, and yet this company seems to be making this process far more difficult than it should be. The call center is providing inaccurate information regarding generation times, and the XXXX representative intentionally disconnected the call. Customers should not need to request a callback for a supervisor, and should be able to be transferred to XXXX. There is no verification process that the rep actually forwarded the request. The representatives should not require a XXXX to submit information for a supervisor request. This company should be providing instant access to consumer reports.
09/02/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 919XX
Web
On XX/XX/2019 I received a " XXXX with Zelle payment '' to my XXXX Checking account for {$2000.00}. On XX/XX/2019 I received a debit for a " Zelle Dispute '' of {$2000.00}. On XX/XX/2019 I realized {$2000.00} was taken out of my account with the debiting transaction labeled " zelle dispute ''. I contacted XXXX customer service and they informed me that their was an open investigation on this transaction for quite some time. The investigation is now closed and was decided in the senders favor. I asked why the case was decided in the senders favor and was given the following information : The sender called their bank and told them that this was an unauthorized transaction. An investigation was opened. They looked into the account owners login history to verify that the location they logged in from was irregular. Based on the IP address investigation they decided to rule in the senders favor and issued the {$2000.00} reimbursement. I personally know the sending party and know that this was not an unauthorized transaction. Initially they wanted to send me money via a XXXX transfer but I told them I prefer Zelle ( thinking there was no risk of a chargeback ; i was wrong ) .So we met in person on XX/XX/XXXX so that they can pay me the money they owe me via zelle transfer. He called his sister ( the account owner ) and told her to go ahead and send the money after I gave them my zelle details. I heard XXXX XXXX voice ( the account owner ). I am 100 % certain that this was an authorized transaction by the sender and they are exploiting the bank/ zelle 's policy here. This was a lackluster investigation which resulted in a XXXX criminal being rewarded and an honest American taxpayer out {$2000.00}. Of course these criminals knew to use a different login location to complete the transaction. They are criminals who live off of stealing from other people! The only investigation performed was to check if the criminal was smart enough to use an IP Address they have never used before to login to their account to complete the transfer! It is very obvious someone told them about this scheme where you can send money through your USA bank account and request your money back by calling the bank and saying it was an " unauthorized transaction ''. These people are XXXX and don't have much money. They will screw over anyone as long as they can get some money out of it. To make matters worse, XXXX customer representatives claim that they froze my account to complete the investigation. I was never told about any type of ongoing investigation or my account being frozen. I do my weekly banking with XXXX and my account was never frozen or suspended when logging in online. This was like an extremely lazy effort from whoever investigated this claim. I
07/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • XXXXX
Web Servicemember
XXXX XXXX XXXX Early Warning Services Consumer Assistance XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Demand to Stop Reporting Fraudulent Accounts to my Consumer Report Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a serious matter concerning the reporting of fraudulent accounts to my consumer report by Early Warning Services. Specifically, I have discovered fraudulent accounts associated with XXXX XXXX and XXXX XXXX XXXX, which have been incorrectly linked to my identity. I find it alarming that these fraudulent accounts have been reported to my consumer report, and I hold Early Warning Services responsible for any adverse impact this may have on my creditworthiness and financial reputation. These accounts have been established without my knowledge or consent, and I have taken immediate action to address this issue. Firstly, I have filed a formal complaint with the XXXXXXXX XXXX XXXX, providing them with all relevant information regarding the fraudulent accounts. Additionally, I have reported this incident to the Federal Trade Commission ( FTC ) and have obtained an Affidavit of Identity Theft, which I am attaching to this letter for your perusal. In light of the seriousness and potential legal implications of this matter, I demand that Early Warning Services promptly cease reporting these fraudulent accounts to any consumer reporting agency. I request that all references to these accounts be removed from my consumer report, and that any information pertaining to them be expunged from your records. Furthermore, I expect Early Warning Services to undertake a thorough investigation into how these fraudulent accounts were able to be linked to my identity. I urge you to take all necessary steps to rectify this situation, including but not limited to contacting the respective financial institutions involved to ensure the immediate closure of these fraudulent accounts. Failure to comply with this demand within 30 days from the date of this letter will leave me no choice but to take further legal action to protect my rights and seek appropriate remedies. Given the seriousness of this matter, I am prepared to pursue legal recourse to the fullest extent allowed by law. I trust that Early Warning Services will handle this issue with urgency, professionalism, and the necessary care it deserves. I expect prompt communication from your side to acknowledge receipt of this letter and to provide me with updates on the actions taken to address my concerns. Please direct all correspondence regarding this matter to the contact information provided above. Thank you for your immediate attention to this matter. I look forward to a prompt and satisfactory resolution. Yours sincerely, XXXX XXXX
11/25/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • CA
  • 902XX
Web Older American
For much of XXXX and XXXX, I paid my $ 8500 monthly rent to my landlady, XXXX XXXX, via Zelle, in three payments of {$3500.00}, {$3500.00}, and {$1500.00} ( {$3500.00} is Zelle 's limit per transaction for any 24-hour period ). On XX/XX/XXXX, my second payment of {$3500.00} went through, and I have four digital proofs of payment, including a text message from XXXX saying that she had received it ( see attachments ). Then, a few days later, she wrote to tell me that her bank ( OneWest ) had been taken over during that same weekend by XXXX XXXX XXXX ( see the bank 's letter of XX/XX/XXXX ), and that XXXX XXXX had blocked that Zelle transaction, but that they would be reverting the {$3500.00} to me. I had two three-way conversations with a representative of XXXX XXXX and XXXX between XX/XX/XXXX and XX/XX/XXXX. In the first, the representative said it was returning my money to my XXXX XXXX XXXX account via an ACH, and that money would reach my account in 3-5 business days. In the second, the representative insisted that the issue was out of XXXX XXXX hands, and that I should have the XXXX XXXX XXXX " open an investigation '' into the affair. Following that, I learned from XXXX that XXXX XXXX insisted that the {$3500.00} should have automatically bounced back to the XXXX XXXX XXXX ( see XX/XX/XXXX text message ). On XX/XX/XXXX, XXXX XXXX, the attorney I had originally engaged for this case, provided me with her transcript of a phone conversation she had with XXXX XXXX XXXX, a representative of XXXX XXXX XXXX ( see attachment ). According to XXXX XXXX, the {$3500.00} would be refunded into XXXX XXXX account and that she will need to pay you back. ( XXXX has constantly maintained that the amount has never been credited to her account. ). However, XXXX XXXX also told my lawyer that Zelle informed the bank that they would actually refund you the money within 7-10 business days because they regarded it as a Zelle reject since the money was not received. However, the bank found out later that Zelle did not do this. On XX/XX/XXXX, I filed a request with the XXXX XXXX XXXX to recover the {$3500.00}. The XXXX XXXX XXXX representative with whom I filed the request told me that the bank would open the case within XXXX days, and provide me with a resolution in the 45 days that followed. Those two phases of the banks investigation are documented in the attached notices, the last of which, dated XX/XX/XXXX, denied my claim for reimbursement of the {$3500.00} lost between it and XXXX XXXX XXXX on XX/XX/XXXX. Most recently, a complaint I filed with the CFPB against XXXX XXXX XXXX resulted in a denial by the bank of any responsibility ( see attachment ) .I am therefore requesting assistance from the CFPB for the return of the {$3500.00}.
05/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • OH
  • 43110
Web
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX ( XXXX XXXX XXXX & Early Warning Services , has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1692 Section 805 A. States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer. 15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt. 15 U.S.C 1692 b ( 5 ) not use any language or symbol on the envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in a debt collection business or the communication relates to the collection of a debt. 15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt. On XXXX XXXX by Certified Mail I disputed inaccurate and unverified information on my Early Warning Services consumer report from XXXX XXXX, XXXX XXXX and XXXX XXXX. I have attached those correspondences below. Early Warning Services responded by placing a block on the XXXX file due to Identity theft in which I included a police report. I then received a letter from XXXX attempting to collect on this alleged debt. Early Warning Services sent a response regarding my dispute with XXXX XXXX stating it was verified as accurate but they do not have access to account documentation therefore they were unable to provide any copies of documentation with my signature or how this information was verified to be able to report it on my consumer file. I requested information about who they spoke with at Regions bank to verify the debt and they were unable to provide such information. According to the F.C.R.A Sections 609 ( a ) ( 1 ) ( a ) & Section 611 ( a ) ( 1 ) ( a ) it states that Early Warning signs has to provide copies of signed documentation and Early Warning stated that they don't even have access. According to Section 611 ( a ) ( 1 ) ( A ) Method of Verification wasn't provided except for the fact that it was accurate and complete as of the date it was furnished to their database. Early Warning didn't properly investigate this information so why are they reporting this information on my file. Lastly, Early Warning didn't respond to my dispute regarding XXXX XXXX Bank at all. This letter was included with the other two dispute letter sent by Certified Mail as Early Warning did say they received it.
01/15/2017 Yes
  • Credit reporting
  • Credit reporting company's investigation
  • Problem with statement of dispute
  • NC
  • 28278
Web
I requested a report from Early Warning because I was not able to open a bank account when I move to XXXX. I just gave up since I could not get any assistance from anyone. I moved back to XXXX and was told by another bank to call Early Warning and not to quit. Finally I receive help from someone from Early Warning months after receiving the report explaining what I needed to do concerning the information reported to them by XXXX XXXX XXXX. I discovered that XXXX of the incident reported by XXXX XXXX XXXX had been removed and I only needed to dispute the 1st complaint listed on the report by XXXX XXXX XXXX because the 2nd issue listed by them had been remove. The third issue from XXXX is being resolve now and will be remove. But my complaint is that I did call XXXX XXXX XXXX and unfortunately did not get the name of the individual I spoke with because that told me they did not have to send me anything or prove anything. So my next step was to dispute the information place on my file by XXXX XXXX XXXX with Early Warning. I finally called them to ask why I had not heard from them and they told me they had sent the reinvestigation results to XXXX even though I explain that I no longer live in XXXX and all information should be sent to my new address in XXXX. I finally received the letter from Early Warning stating that the information file by XXXX XXXX XXXX was accurate. If I did not agree with this that I had to write a rebuttal and they would then furnish a copy of my updated report and rebuttal to all parties who have received a copy of my file during the preceding two years for employment purposes or six months for all other purposes. Then they would also provide me with a copy of the reinvestigation procedures plus contact information to gather further information. When I tried to call the number provided they told me they were not allow to discuss over the phone. What I do not understand is I sent a dispute in writing explain why I did not agree with the information place on my file by XXXX XXXX XXXX? I requested that the information be investigated and proof be provided by XXXX XXXX XXXX. Why would you send a letter to me telling me the information is accurate and if I want further information I have to request it. I need the assistance from the Bureau of Consumer Financial Protection to assist me in getting the information file by XXXX XXXX XXXX off of my file with Early Warning or proof provided by XXXX XXXX XXXX and Early Warning be provided to me that what is on my file is accurate. It is hard to trust the procedures that are required of an individual to submit through Early Warning when you hear that this company was establish by XXXX XXXX XXXX and a few other banks. Your assistance is appreciated. Thank you!
02/26/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 959XX
Web
The foundation of my complaint ( s ) being filed against Early Warning Systems directly correlates to, and should be made part of as an addition, to another company, XXXX XXXX, for whom I've previously filed a complaint on as well. More specifically, Early Warning Systems, of whom XXXX XXXX is part owner as well as a partner in business, has been identified by over 8 banks, 2 insurance companies and multiple other institutions and/or business as the sole reason for my having been denied the ability to open a checking account, get insurance, rent a place to live, and even turned down in an attempt to cash a legitimate cashiers check. I have since been notified by XXXX XXXX that they, also inaccurately, incorrectly, and with intent, made use of misinformation in collusion with Early Warning Systems to identify me as " High Risk '', and a possible perpetrator of fraudulent activity. So to validate my claims and to clearly give full validation to the fact that Early Warning Systems, in conjunction with and under the direction of XXXX XXXX, violated my rights provided for under the Federal Consumer Prevention Act. I am stating as facts and providing inquiries of evidence through response, to assist the CFPB in your efforts to ascertain, and act upon, the CFPB 's subsequent investigation and conclusion. 1. The account ( s ) by which Early Warning Systems, through XXXX XXXX 's direction relies upon to create their report on me and furnish to those making inquiries are, and have always been, the direct cause of identity theft and fraud against me through XXXX XXXX. A. I never, personally, nor through another, ever contacted, disputed, filed a claim, nor was aware in any way as to the aforementioned. B. Not only did I inform XXXX XXXX of the identity theft and fraud ; I also informed them that they had without my authorization, knowledge or permission taken legitimate payments from multiple creditors that by law must be returned. C. The negative account ( s ) from which the fraud occurred at XXXX XXXX occurred over a five day period, involving numerous transactions, and involved multiple accounts of different creditor 's. At no point did XXXX XXXX freeze my account. They also, never contacted me by phone, by text, by email, etc. I have filed and provided copies to Early Warning Systems, XXXX XXXX, etc. with a copy of a police report, FTC report, three CFPB reports and I have provided letters with documentation to the Federal Reserve and Attorney General. I not only welcome but have begged for a full investigation to which I now believe is to occur. Early Warning Systems is required by law and regulations must remove all negative items and cease furnishing all negative items immediately or supply documentation and evidence.
07/20/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • AR
  • 72032
Web
This is a XXXX rental scam. Ive actually been scammed twice ( pretty much at the same time and in two different cities ) and so will be filing two separate reports. I am absolutely shocked that I could have been so naive as to fall for this, but the communications between the landlords seemed legit and the leases they provided also seemed very legitimate. I also feel that the situation was amplified by the weirdness around CV19 & not being able to meet up with people in person. I am trying to get my XXXX XXXX, and so Ive been searching out new cities to live. I found a reasonably priced apartment in XXXX, IN. This is the scam I am reporting in this claim. My initial contact with XXXX was made on XX/XX/XXXX where I responded to her XXXX ad. XXXX XXXX XXXXXXXX We back and forthed using the XXXX attached email ( can provide emails as well ), until XX/XX/XXXX when she sent me the lease agreement from her personal email. The lease seemed well written and had all of the suspected mentionings that an ordinary lease would have. I was wary of sending money to a stranger, but I also felt like the lease was a binding contract and if needed, I could reach out to a lawyer or something. She used the name XXXX XXXX XXXX when she signed the lease and provided the phone number XXXX XXXX XXXX XXXX. The address for the property was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX We had agreed upon {$850.00} for one months rent and a {$300.00} security deposit. My red flag went up when, after I had sent the {$1100.00} ( I sent it to her email, XXXX via XXXX ) she said shed made a mistake and that the deposit was actually supposed to be equal to one months rent, so she asked if I would send the extra {$550.00}. This is when I told her no, we agreed upon {$1100.00} and I wouldnt be sending any more money. And if I needed to send the extra {$550.00} in order to put down a deposit, then I wasnt going to and asked if she would send me my {$1100.00} back. She didnt reply for the next two days. I sent her the money on XX/XX/XXXX. XX/XX/XXXX was when she said she needed more money. I responded the same day ( XX/XX/XXXX ) telling her no I wouldnt send more money and if that didnt work for her then would she please send the money back. I didnt hear from her for two more days, until today ( XX/XX/XXXX ) where I emailed her begging to please say something as I was getting concerned. She then replied almost immediately, saying something that was pretty much gibberish and didnt make any sense. Ive tried calling her and theres no answer and no voicemail either. I am happy to provide the lease agreement she sent me and we both signed, and any other information required to assist in this case. Im not even sure if shes a real person.
12/29/2018 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • IL
  • 60647
Web
XX/XX/XXXX : Sender tried to send me {$500.00} through XXXX XXXX bank using my cell number. Just as they hit send, they noticed that the name that came up was not mine XX/XX/XXXX : Sender filed a dispute with XXXX to retrieve the money. It was deposited in to an account with XXXX that was not mine, but had my cell number registered with the bank and XXXX I have not used XXXX before, but I have since learned that to register XXXX, a person would receive an activation code sent to their cell which they would need to input to their bank to confirm it is their number. I've spent three weeks speaking with XXXX, XXXX and my bank ( XXXX ) to keep asking how someone could have registered my cell number, as it appears that this is a security/fraud issue. XXXX has been active for about a year and a half, and I have had the cell number for two and a half years, so this person would never have received an activation number to be able to register the cell number with their bank. XXXX has confirmed that the money went in to this person 's account with them. The sender has put in two disputes with XXXX, but they will not do anything to retrieve the funds and send them back. They have said that it is the sender 's fault for not noticing the person 's name when they hit send. However, this would not have happened in the first place had someone else not been able to register my phone number. XXXX has told me this is a bank issue. XXXX won't help me as I am not a customer of theirs, and XXXX won't help me with this because they were not involved with the payment. I don't know how to get help with this. To me, the main issue is how this person could ever have registered my number without the activation code. Secondly, XXXX asked me if my cell number had received the notification that money was sent to that number. I told them that no, I did not received any notification, which apparently I should have received that as that was the number the money was sent to, even though it was linked to another account. Apparently when money is sent you to, the number receives notification, and a link to accept the money. My number did not receive that, so I can't see how the money was then apparently sent through that number. These are the questions that XXXX nor the banks will answer - how did someone register my number without the activation code, and if that is the number the money was sent through then why wasn't notification sent to that number. I would really appreciate your help with this. It has been awful trying to get these places to help me, constantly being bounced back and forth, and no-one recognizing that they don't know how someone else registered my number. How many other people could this happen to?
08/23/2022 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Fraud or scam
  • GA
  • 30189
Web
( Before reading all of this, I will specify that we used Zelle for the money transfer. ) On XX/XX/XXXX, XX/XX/22, me and my family were looking for puppies to adopt. We posted a post on XXXX online, and someone commented under our post and said theyll sell the puppy for {$900.00}. We thought that was pretty cheap and a pretty good deal, but it was way too good to be true. The scammer also messaged us about the puppy and said its for {$900.00} because shes about to travel to XXXX and shes leaving in about a week. Which seemed reasonable and explains why she would want to get rid of the family. At first she was saying that she wanted to rehome the puppy and shed want the family or the person thats going to take care of it will be in good hands. She also put a fake address after she said that, so we thought she was legit and honest. We also called on messenger and we were negotiating the price, we were saying about {$500.00} or {$600.00} would be a better price for that money, since it was for my daughters birthday. And I also said that Ill pay half right now and Ill send the rest later. The scammer agreed to it and I did as well. I also asked the scammer for more pictures and videos of the dog and she sent me nothing and her excuse was My camera is broken, which seemed reasonable at first. And we also asked for a XXXX and she said Im at work but my camera is broken and I cant, and I live alone so nobody can XXXX for me. We didnt suspect a thing due to how low-priced the dog was. And then she said shell XXXX the dog right away and give us the things the dog needs, such as its cage, food/treats, toys, clothes, leash and collar etc,. Which seemed really okay with us at first because we needed those things so we said okay. And we used the company Zelle to money transfer her, we sent {$200.00} and then sent the screenshot of the money amount transferred to her, and then she blocked me on XXXX. But luckily, she sent us the number so we could Zelle her, but it turns out that the number was her friends number, and her friend was collecting the money for her. We called her friend and asked her to send the money back, she said no. And then the next day, XX/XX/22, her husband texted me on her phone and he was sending us threats and saying that they are not teaming up with the scammer nor do they know the scammer and that they arent friends at all. But how is that possible when the scammer gave us their number and also their real name, both of the contacts were right, and we also confirmed with the scammer if the details were right and she said yes. So please, help us get our {$200.00} back. This is very frustrating and we have already tried to get in contact with them but they have already blocked us.
09/10/2023 Yes
  • Money transfer, virtual currency, or money service
  • Money order, traveler's check or cashier's check
  • Fraud or scam
  • CA
  • XXXXX
Web
I was scammed by chihuahuagarden.com on XX/XX/2023. I supposed to purchase a XXXX puppy but I didn't receive a puppy. I paid {$820.00} to XXXX XXXX ( XXXX ), I used Zelle to send my payment for the puppy ( Zelle to XXXX XXXX - XXXX - REF # XXXX - XXXX XXXX XXXX ). I communicate with him thru text messages at ( XXXX ) XXXX and email : XXXX. I paid {$1700.00} to XXXX XXXX ( shipper of XXXX XXXX XXXX XXXX XXXX ) for the Air Conditioned Pet Travel Crates Rental ( thru Zelle to XXXX XXXX - ( XXXX ) XXXX - REF # XXXX ). I communicate with him thru phone ( XXXX ) XXXX and email : XXXX. He said that it is 95 % refundable upon the arrival of the puppy at home. Later, XXXX XXXX informed me that the puppy is put on hold because the pet needs insurance at XXXX XXXX XXXX XXXX. I paid {$1500.00} to XXXX XXXX ( shipper of XXXX XXXX XXXX XXXX XXXX ) for the XXXX XXXX XXXX XXXX XXXX ( {$700.00} - thru Zelle to XXXX XXXX - ( XXXX ) XXXX - REF # XXXX and {$800.00} - XXXXXXXX XXXX to XXXX REF # XXXX ). He said that it is 95 % refundable upon the arrival of the puppy at home. It's too late for me that my relatives and friends told me that chihuahuagarden.com is a SCAM and it is included in the list of XXXX Scams at the websites. Again after XXXX hours, XXXX XXXX informed me that the puppy is put on hold again because the pet needs XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. I need to send {$1300.00} and It is refundable also upon the arrival of the pet. I didn't send a money anymore because I learned that it is a SCAM. I tried to call him for the refund of the money that I send but he refused to give my money back. According to him that the puppy is already at XXXX XXXX XXXX XXXX. He said also that if I don't send a payment, FBI will arrest me for the abandonment of a puppy at the airport. I lost for the total of {$820.00} + {$1700.00} + {$1500.00} = {$4100.00}. This is a big lesson for me. As of now, many online websites are fraud. I need to be careful next time especially when I send the money. I tried to contact my bank, XXXX XXXX to dispute or reverse my payments thru Zelle and XXXX XXXX. Since those apps are considered as cash payment, they can't reverse my payments and the money that I send to them are totally lost. Sadly, the address of the breeder, XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, Texas belongs to the real owner, XXXX XXXX. The address of XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX, Texas XXXX belongs to XXXX XXXX and XXXX XXXX I would like to request for your help. My bank told me that the payment transactions that I did will be reversed if I have a police report and FBI reports. I hope that you can help me to arrest the scammers and help the victims of XXXX
06/23/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • OR
  • 97007
Web
On XX/XX/XXXX I sent {$470.00} to XXXX XXXX using my Zelle mobile app. The transaction showed success and the amount was debited from my bank account at XXXX XXXX XXXX XXXX XXXX. However, on XX/XX/XXXX XXXX sent me a XXXX Zelle screenshot on her phone showing " We weren't able to send you money from XXXX XXXX ''. Since then I have been calling Zelle to find out why the transaction was cancelled and when I would get the funds refunded to my debit card. When I have called Zelle I have gotten various responses : talk to your bank, have XXXX talk to her bank ( XXXX ) ; Zelle settlement department will look into it and have your funds refunded. I have talked to my bank ( XXXX XXXX XXXX XXXX XXXX ) and XXXX has talked to her bank ( XXXX ) and we both received the same response from our banks that our banks have nothing to do with this cancellation. I have spoken to multiple Zelle customer service agents and they all seem to give me a different story. When I ask them to send me proof/email of our conversation, the customer service agent tells me that they do not have access to do so on their system but someone will get back to me in 24-48 hours. I have had to call back multiple times just to find out the status. Unfortunately, I always seem to be starting over with each call. Most recently I was given a case # XXXX by a supervisor. Prior to that the case # XXXX On XX/XX/2021 XXXX the Zelle agent said the refund will be released to my bank at XXXX same day. I didn't see the amount on my online bank, so I called Zelle back ( same case # ) and the agent told he will send another email to settlement team regarding why the payment has not posted. And this is will receive high priority. I did not receive the money in the account. So I called Zelle back. The Zelle agent said I was misinformed on the earliercall. He said XXXX will be the bank to issue the refund, not Zelle. XXXX hasinitiateda refund. XXXX Case number # XXXX via VISA.He said he was reading from the screen ... '' Feedback from XXXX. The payment was denied due to fraud risk action. '' He said I should check back in 24 hours since this item will receive high priority with the settlement team. XX/XX/2021 I called my bank, XXXX XXXX XXXX XXXX XXXX, and wastold there are no pending wire or deposit transactions intomy account. XX/XX/2021 I called Zelle and the agent indicated that the previous Zelle customer service agent misinformed me about the paymentto be posted on XX/XX/XXXX. The agent said he sent a message to the settlement team to prioritize my case number. I said to the rep that this is the same talking point I heard during my last 3 calls into Zelle. I stated to the rep that I will contact the CFPB if this is not resolved.
10/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92009
Web
Hello I have filed this complaint before but no response .I have been calling XXXX XXXX XXXX for over two weeks now and not one person has been able to help they just connect me to different people. A few times they even acknowledge there an issue on the report but say we dont have access and cant do anything. Nobody has access to correct a report which is inaccurate Who Can help? I am in a bad situation here because of this report.XXXX claims account was closed due to fraud which is inaccurate it was closed because of a negative balance and i paid it off in full why are reporting it as fraud? As a consumer you are diminishing my rights and causing me many issues Resolve this right away This is not right I have filed a complain before. Been contacting XXXX XXXX XXXX for over two weeks. As explained to them I was overseas for a one month trip but unfortunately due to XXXX returned after 3 months. Called XXXX XXXXXXXX XXXX and they notified me my balance was negative ( {$280.00} ) .I paid off the amount in full and confirmed with the banker on a recorded line that all is good, nothing on file and nothing will be reported, which the banker confirmed and even told me he can connect me to another person and open a bank account. At the time I did not need one and moved on.3 weeks ago I tried to open an account and was told there is a report on XXXX XXXX .I requested the report and in it XXXX XXXX XXXX has put a remark that this account was charged off and due to fraudulent activity it was closed. Called XXXX XXXX XXXXXXXX over 10 times, they just connect me to different departments and in some cases i have dealt with very rude and unprofessional people specifically there fraud prevention team. The fraud team tell me I have balance due which I absolutely do not and on the file attached I even got verification from XXXX XXXX XXXX. The collections team says your balance is XXXX but the fraud team has to remove the report from XXXX XXXX. Again the fraud team simply says no and you have to wait for XXXX years for it to be automatically removed. ( What are they thinking ) I am professional who works in the XXXX XXXX XXXX and my salary is in the mid XXXX digits why would I commit fraud for {$280.00} WHY? Then they tell me I must sent proof, Proof of what? That I didn't commit fraud? You are accusing me of that you send me proof? This is my last follow up I have consulted my lawyer and will follow up with a lawsuit by next month if not resolved. Currently I can not open a business account due to this issue and loosing money and its nota small amount Please follow up right away and remove all reports from XXXX XXXX or anywhere else you are reporting this inaccurate information LETTER ATTACHED
08/01/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 321XX
Web Servicemember
I have was a member of a " breeder 's '' XXXX page for a few months trying to find a XXXX XXXX puppy. I had seen many litters get posted and " people '' posts recommending the breeder. So I finally reached out on XX/XX/XXXX after she had posted a new litter. I asked about a specific pup and price and what the steps were. She said the pup was {$1900.00} but I had to pay {$700.00} up front ( in the form of zelle, XXXX, etc ) to cover holding her and for her XXXX paperwork and she would require the remainder in cash once the pup was in hand. I was a little hesitant to send that much so I had asked if she would do less and I would give her more in cash in person. She seemed to get a little upset as to why I wouldn't trust her and why would I contact her, her page has XXXX followers and she has many references. I admit that I was the one to contact her thinking she was legitimate but to make me feel more comfortable and I think to make it more believable, she agreed to {$500.00} being transferred. I had sent her the {$500.00} through zelle on XX/XX/XXXX. She kept asking when I wanted to have the dog home and b/c we were away till Monday I had said Tuesday, XX/XX/XXXX. She offered to meet halfway or deliver. So of course, so I didn't have to miss work I took advantage of her delivering and only having to pay for her gas. On night of XX/XX/XXXX, she sent over a 'sales receiptXXXX ' paperwork XXXX Which made it seem more believable. On our way home Monday, I contacted her to make sure we were good for Tuesday and she said yes but also offered to come Monday night, so we agreed. 30 mins after the plans were confirmed it went downhill! She said her daughter was in the hospital and would have to ship the pup. I knew right then and there that I was in trouble and my deposit was gone! I asked if I would be charged for shipping and she said no. 3 mins later she sent me a link of a shipping agency with tracking and then a random number texts me ( saying it's the shipping company ) and says I have to pay {$1500.00} for insurance, fully refundable, by zelle, XXXX, etc, and the delivery agent will give the money back once they deliver the pup to me! I also got an email from them saying same. She messaged me telling me to pay it, I disagreed. The shipping co called me telling me if I didn't pay, the the pup would go to the pound and the cops now have my info and would come after me! She has refused to give me back my deposit and had blocked me from her page. I wonder how many other people she has done this to! I contacted my bank XX/XX/XXXX to file a dispute but unfortunately they denied because it was sent through zelle. I have screenshots of everything! And links to her XXXX page if needed!
08/31/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MI
  • 48192
Web
I utilized my XXXX XXXX - Zelle service on my XXXX XXXX mobile app to pay an XXXX vendor {$670.00} for invitations and save-the-date cards. The merchant, XXXX XXXX XXXX, sent me an invoice outside of XXXX directly to my email and requested payment through Zelle not XXXX to process my order. The message response I received through XXXX was to directly contact XXXX from XXXX XXXX at either XXXX - XXXX or XXXX via XXXX for a faster reply since she was not always on her computer. After various message exchanges on XXXX on options I place an order with XXXX XXXX XXXX. On XX/XX/2020 I signed the emailed invoice by clicking the " sign the document '' button, which went through XXXX and sent payment via Zelle to XXXX XXXX XXXX. XXXX XXXX XXXX indicated I would receive proofs for the cards once I sent the wording via email, which was sent on XX/XX/2020. As of today, XX/XX/2020, XXXX XXXX XXXX will not answer any texts, calls, XXXX messages or emails. XXXX XXXX XXXX has since deleted their XXXX account, on which we exchanged many messages regarding my order. Unfortunately, I did not screen shot our conversation before the profile was deleted. I have contacted XXXX and they can only do an investigation. XXXX also asked me to report the vendor on their website and but they could not help me get a refund since I did not order the items through their website. I next contacted XXXX XXXX and they indicated they could not help because Zelle is an independent operator on their mobile app and could not get my funds returned. I contacted Zelle via their website and I can only file a scam report. The report was filed and the response send stated that " information would be shared with their partner financial institutions to investigate and take further action. '' Also, the email stated that the results or actions would not be provided and to check out the link " Pay It Safe. '' The link directs you to their website that warns to only send money to family or friends and not people you don't know, like that stranger selling suspiciously cheap concert ticket on the internet. The merchant I sent money to was on a legitimate website, XXXX, as a vendor. It is my understanding that XXXX has policies and procedures in place for vendors on their website to avoid fraud and scams. I have purchased items on XXXX many times and have not had an issue. My concern is that ZELLE does not protect it's users from scams and will not help recover funds when a service or merchandise is not fulfilled. I went back to the XXXX website to visit the vendor page again and there are two 1-star reviews posted during XXXX of this year from customers indicating their orders have not been fulfilled by XXXX XXXX XXXX.
11/16/2018 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • ND
  • 58103
Web
On XX/XX/XXXX I began discussions with a XXXX XXXX seller to purchase speakers. I agreed to purchase them and made two transfers to the seller. The first transfer was through XXXX in the amount of {$440.00} on XX/XX/XXXX, and the second transfer was through XXXX XXXX in the amount of {$440.00} on XX/XX/XXXX. Everything was going as planned until XX/XX/XXXX, when the seller stopped communicating with me and did not ship the items as promised. I then asked the seller for a refund through XXXX & XXXX XXXX on XX/XX/XXXX. The seller did not provide the refund nor did he respond so I filed a dispute through my bank on XX/XX/XXXX. I also filed a dispute on XXXX XXXX 's website on XX/XX/XXXX. XXXX XXXX has responded to the claim and refunded the {$440.00} due to the fraudulent transaction. I have attempted to also file a complaint through XXXX which has proven to be much more difficult, if not impossible. On XX/XX/XXXX, at XXXX, I called the XXXX customer service number ( XXXX ) XXXX and spoke with XXXX ( Emp # XXXX. ) I informed him of the transaction details and asked him about helping me with a refund due to the fraudulent transaction. He told me he couldn't help me and said that in order to inform XXXX about a person committing fraud through their system I would have to send a letter to their corporate office through the USPS. I asked him to send me an email with the information and to document our phone conversation but he said he didn't have access to email so I asked to speak with his supervisor. XXXX, his supervisor, came on the phone. She would not provide me with her employee ID as she said she wasn't permitted to. She proceeded to take down the transaction information and told me she was writing up a report to submit to her supervisor about the fraudulent transaction/user. She provided me with Case # XXXX. I asked her to email me documentation of the filing of that case but she said she was not permitted to send emails. The issue with XXXX is they are not protecting the consumer. With their abundant technology ability to transfer money and give people instant access to funds, they aren't using the same technology to reverse fraudulent transactions. They aren't even giving people an electronic way to file a complaint! I believe it is their intent to avoid electronic communication. By not providing a way for the consumer to file a fraud complaint and assisting the consumer, they perpetuating the fraudulent transactions. If XXXX XXXX provided a refund due to fraud, then XXXX should as well. They have a responsibility as a financial platform to step in to stop fraud, not assist it. XXXX XXXX XXXX XXXX post id # XXXX URL - XXXX XXXX XXXX
02/03/2018 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • TX
  • XXXXX
Web
Please refer to my complaint ( XXXX ) on XX/XX/2017 against XXXX XXXX. Spoke to XXXX ( Level 2 support ) for around 18+ minutes during XXXX to XXXX XXXX CST. Have the entire recorded conversation and could share with you. Previous complaint XXXX My tenant sent me the rent via ACH using his XXXX XXXX account using XXXX. I got an email that I am receiving this money and i clicked on that. Just to check the status - i logged into the account. It had my XXXX XXXX checking account. But then XXXX asked me to switch to XXXX ( their so called easier and faster platform ). There were no documentation in terms of the consequences of doing this. When i did that - i come to know that XXXX is only mobile based app - it's not something that can be done via computer browser ... it's strict no no for me. Worst thing - it cancelled my XXXX profile and cancelled my incoming transfer. Out of frustration - i called the toll free # at around XXXX XXXX central time and happen to talk to XXXX and XXXX ( supervisor ) about it. But talking to them was the most hopeless thing in the whole world. Few questions : 1 ) Why in the world they are forcing customers to switch to the new platform? 2 ) Ok, you can ask customers to switch to the new platform - but why you are cancelling their existing money transfers? 3 ) With the platform change - their IT or operations should have done the heavy lifting task to migrate the customer profiles and money transfers rather than passing the entire burden to the customers to do that. Moreover they negatively impacted all the customers. This is plain simple ridiculous. Customer service seems to be operating from XXXX and doesn't even know how to deal with customers in this kind of situation. They are taking customers for granted. ============================================================= Till now this issue is going on. My payments ( made to my cell # ) some times goes to XXXX XXXX and sometimes to XXXX XXXX. I have to maintain two accounts and it's a lot of hassles. Nobody ( XXXX, XXXX XXXX and XXXX-XXXX is taking the accountability and responsibility ). I want old fashioned ACH transactions with ABA Routing # and the A/C # s - at least it was clear, non ambiguous, no buggy and we were aware - what's going on. XXXX - has no non mobile interface. People like me who are not that comfortable with the mobile screens are struggling. Moreover XXXX App - doesn't even shows you which account it is associated with and how to change it to something else. It's something which is untested and not even ready to be used for real world and introduced a lot in hurry. It's very dangerous and chaotic. Worst wait time on the support is too much ...
02/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 07103
Web
PRE ARBITRATION NOTICE I XXXX XXXX, A federally protected consumer here by put Your company on a final notice of violation of FCRA for failing the requirement of the law by furnishing inaccurate information on my credit report. This account was due to identity theft and i did not commit any fraud, you have failed to remove this account after receiving several notices via mail and telephone communication. You have also fialed the requirement of the law by providing Your company is in violation of 1. 15 U.S. Code 1681ba ( 2 ) - Permissible purposes of consumer reports 2 ) In accordance with the written instructions of the consumer to whom it relates. 2. Consumer Report and Information Sharing Section 603 ( d ) ; 15 U.S.C. 1681a ( d ) consumer report does not include : 1. A report containing information solely as to transactions or experiences between the consumer and the person making the report. 3. The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) may restrict this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. In turn, the FCRA may also restrict activities that the GLBA permits. For example, the GLBA permits a financial institution to share a list of its customers and 4. Communication of such transaction or experience information among persons, including financial institutions related by common ownership or affiliated by corporate control. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. FInd Attached the letter from XXXX XXXX XXXX who you claimed furnished the information of fraud on my credit report. and identity theft report of the account.
08/16/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • IL
  • 60660
Web
The company in question is Zelle Pay. They cancelled a transaction and refuse to ensure my money is returned. I have used this service a couple of times already to pay my landlord XXXX XXXX for rent. He has a Zelle participating bank account with XXXX. My bank account is with XXXX, which is not participating in Zelle and I have been using the Zelle Pay app. On XX/XX/XXXX I sent {$500.00} which was posted successfully from my bank account. Unlike the other times, I received no confirmation from Zelle. On XX/XX/XXXX Mr XXXX received an error message stating the transaction was cancelled. Neither me nor my bank ( XXXX ) received any notice of any issue. No money was returned to my bank or to me. This transaction does not appear in my Zelle user history!! On Sunday XX/XX/XXXX Mr XXXX informed me that he did not receive my payment. On Monday XX/XX/XXXX I called my bank and they confirmed sending the payment successfully to Zelle. Mr XXXX called XXXX and they confirmed the payment was not successful and had been cancelled. I reminded him this could not have been cancelled by me as Zelle does not allow users to cancel. It was cancelled from the recipient bank ( XXXX ). On Tuesday XX/XX/XXXX I called Zelle to find out when my money would be returned- they said it is my banks responsibility not theirs and that my bank has the money. I called my bank and found this is not true. XXXX from XXXX and I did a three way call with XXXX the supervisor at Zelle who also claimed Zelle is not responsible for these transfers and does not maintain transaction records. She gave us the cancelled transaction number and had no other information. XXXX from XXXX said that she filed an internal dispute paperwork but is unable to complete it without tracer information from the transaction history, which is a basic record that Zelle should have on file. The Zelle rep told me to fill out an online request which I did. I never received a response. On XXXX XX/XX/XXXX and XXXX XX/XX/XXXX I again called Zelle and was refused further information or assistance. The service reps are instructed to claim that the money was immediately returned to my bank and to my account. Neither is true and I called XXXX again to confirm this. I said to the Zelle representative that this transaction was not completed as per my authorization and that I would follow up with a fraud dispute. I again was told there is no transaction information kept by Zelle. Zelle Pay is failing it's proper diligence for a company that advertises widely as a safe Financial service backed by major US banks. It should be investigated and sued for there are many consumer complaints of fraud and lost money.
09/18/2021 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • WI
  • 53151
Web
On Wednesday XX/XX/2021, I clicked the contact us tab on the adopt XXXX XXXX. I received a text message from XXXX introducing themselves as XXXX the XXXX. The next few text messages with XXXX the XXXX he informed me about the puppies that were available for adoption. He sent several e-mails with photos, and video of available dogs and I picked the dog out. After I picked out the dog, I sent a zelle payment to XXXX of {$500.00}. After sending the money I proposed picking up the dog, vs. shipping the dog. That's when he provided the street address where I can drive to pick up the dog and text me back to tell me the time/date XXXX can pick-up the dog. After talking to family members, I text XXXX back about possibility delivering the dog vs. picking it up as I forgot my brother who was going to drive me tested positive for XXXX and did not receive a negative test results. On Friday XX/XX/XXXX, I texted back XXXX advising him to proceed to deliver the dog to my home address which I provided. I sent another Zelle payment of {$700.00} to XXXX. On Friday XX/XX/XXXX in the evening, I received ( 2 ) e-mail 's from the same party : Email address : XXXX, E-mail Subject : URGENT!! Health and XXXX XXXX to send {$1500.00} via Zelle Email : XXXX. Then a second e-mail threatening that they would report to the Michigan authorities. I sent a 2nd Zelle payment of {$1000.00} to Email : XXXX because my bank XXXX XXXX blocked the {$1500.00} transaction but a {$1000.00} managed to get sent. On Saturday XX/XX/XXXX, I received several e-mails from XXXX about them suing me if I didn't pay the remainder {$500.00}. I told them I had no more money, they proposed me purchasing a gift card at XXXX, XXXX and sending them the gift cards. I purchased the gift cards through my credit card, and sent pictures of the gift cards to them. On Saturday XX/XX/XXXX, I received the flight details on how the dog was being transported, only to receive another e-mail in the evening stating the dog was at XXXX, NC airport in quarantine. On Sunday, XX/XX/XXXX more threatening e-mails came through, and proceeded to send additional gift card information. On Monday, XX/XX/XXXX, after sending the money another e-mail requesting more money and that's when I called the XXXX XXXX Wisconsin police department to report them in. I've sent XXXX XXXX all the information, websites, e-mails and text messages. I am asking the FTC to work with the XXXX XXXX Police department, and take down the website so no further transactions can be made and other U.S. Citizens fall pray to these thief 's. In the end, I never received the dog, and I'm trying to recover the {$7200.00} that was taken from me.
11/04/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • CA
  • 91350
Web Servicemember
I contacted XXXX XXXX on XXXX initially in XX/XX/2019 to get a quote on fixing or replacing cracked tile in my shower as well as cleaning the stone floor. He came by to see the job in person and gave me a quote. I didnt have the money at the time so I told him I would keep him in mind. Fast forward to the beginning of XXXX, I reached out to him again on XXXX on XXXX to setup a time for him to come and complete the job. It took him a few days to respond as according to him, he was experiencing technical issues with XXXX. I didnt hear back from him until XXXX where I gave him my number to call me to setup a time. He was originally supposed to come on XXXX but due to fires he couldnt so we reschedule for XXXX. He came at XXXX XXXX with another gentlemen and started the work on the shower floor which was fixing cracks and cleaning/sealing. He told me it would take about 2-3 hours for the sealant to dry and I had to leave to get my kids from school. He asked when he could come back to finish the job which was fixing the cracks in the tile on the wall and cleaning the grout and I told him I would be available on Tuesday, Thursday and Friday. We both agreed he would come back on Friday XXXX. Before he left he was supposed to provide me with the invoice to pay and he was again having technical issues. He left and later that night he emailed me the invoice and I paid via XXXX from my bank account with XXXX XXXX. Well Friday came and went and he never showed up even after I sent him a text message asking if he was gon na show up. He responded to me that Saturday XXXX saying he was dealing with fire restoration and asked if we could reschedule for the upcoming week. I Provided him with my availability and he never responded. I then reached out to XXXX who started an investigation. They reached out to him numerous times and he never responded so they suspended his account. I then received a message from him on XXXX saying his truck was stolen with his equipment and it would take a week or two to recover. By this time myself and my husband were already pissed this guy never contacted us and didnt reach out until XXXX suspended his account. He then requested I reach out to XXXX and let them know he reached out to me so they can unsuspend his account. The rep with XXXX even expressed concern that he didnt reach out until his account was suspended. As of today ( XXXX ) the job has still NOT been completed and XXXX has STILL not reached out to us for resolution. I filed a dispute with my bank who denied it saying because I used XXXX I can not get my money back and XXXX says they will not give me my money back since they completed the transfer.
12/31/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 94546
Web
I found a house on the mobile app XXXX ( account number : XXXX ) and wanted to rent it on XXXX XXXX, 2020. Then I clicked the buttons " Request to apply '' and " Contact property ''. A person named XXXX XXXX contacted me and led me leave my email address. I did it and left my email address : XXXX. Then a person named XXXX XXXX XXXX email address : XXXX ) contacted me on XXXX XXXX, 2020, and led me answer a rent questionnaire. I did the questionnaire on XXXX XXXX, 2020. Then he asked me more questions, and I answered. On XXXX XXXX, 2020, he emailed me and told me that he decided to rent the house to me and emailed me a lease agreement, but he is in New Jersey, and I am in California, so I have to pay the deposit, {$2100.00} first, then he will mail me the keys and documents, and I can go to the house and take a tour. I did not reply immediately, so he texted me. His telephone number is XXXX, and my telephone number is XXXX. He told me once he receive the deposit, he will mail the keys and documents out. Then I used my husband, XXXX XXXX XXXX XXXX XXXX XXXX account to send {$1100.00} to the XXXX account that XXXX XXXX provided to me on XXXX XXXX, 2020. He said this is his wife, XXXX 's account, account number is : XXXX. Because our account did not have enough money, so on XXXX XXXX, 2020 morning, I sent the remaining payment, {$1000.00} to the same XXXX account. In the afternoon, he texted me a XXXX shipment label. The name on the label is XXXX XXXX, address is : XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, and the telephone number on the label is XXXX. But the tracking information has never been updated, so I contacted him on XXXX XXXX, 2020. He said the package has been picked up that morning. Then I wait until today, XXXX XXXX, 2020, and contacted him why the tracking information still no update, but nobody reply me. Then I tried to call him, but it says the number is no longer in services. Then I called the number that is in the shipment label. A female answered the call, and I asked are you XXXX XXXX? She hung up immediately. I tried to call again, but nobody answered. The third time, she blocked me. Then I called XXXX XXXX XXXX to claim and told them what happened, they gave me a case number : XXXX. ( I have called XXXX XXXX XXXX on XXXX XXXX, 2020 to claim the transactions because I thought I fell in a scam, but I can still contact XXXX XXXX on that time. On XXXX XXXX, 2020 is the second time I contact the bank to claim, because I can not contact XXXX XXXX anymore, so the case number created on XXXX XXXX, 2020 ) And I also called the XXXX County Sheriff 's Office, and told them what happened. They gave me the case number : XXXX
05/27/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • TX
  • 77845
Web Older American, Servicemember
I have used ZELLE to transfer funds from my XXXX XXXX XXXX ( now XXXX ) checking account to a XXXX XXXX shared checking account for years, and never had a problem. I have also used the external transfer function to send money from my XXXX XXXX XXXX ( now XXXX ) checking account weekly to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account, but after XXXX XXXX XXXX became XXXX, they no longer offer external transfers free of charge, so I attempted to use ZELLE to transfer funds from my XXXX checking account to my XXXX account. For the record, the credit union ( XXXX ) was previously established as an external payee with XXXX XXXX XXXX and remained after transition to XXXX. When I began using ZELLE to send money from XXXX to XXXX several months ago, I received XXXX confirmations that the money was in fact sent to XXXX, along with a unique transaction number ; however, those funds were being sent to XXXX XXXX instead. I have spent over two months trying to resolve this issue, making dozens of phone calls and meeting in person with representatives from XXXX, XXXX ( not part of this complaint ) and multiple times with XXXX XXXX. I also contacted ZELLE and was told they are a third party and cant help me because they dont have access to users accounts. After exhausting all resources available to me, and after a lengthy investigation by XXXX XXXX, all I know is that two sums were reversed by XXXX XXXX. However, as confirmed in the last two meetings with XXXX XXXX on XX/XX/2023 and XX/XX/2023, they can not confirm where reversed funds were actually deposited. So after more than two months, I am still missing {$75.00} ( {$40.00} + {$35.00} ) for which no records exist. I do not accept that money can simply disappear and can not be traced, recovered and returned to its rightful owner. Having spoken with multiple bank representatives and their fraud specialists, no explanations of this failure have been provided, but my own theory is that ZELLEs payee sign up process at the XXXX site is deficient, allowing users to request transfers to one institution without flagging it in any way and then misdirecting those funds to another institution without the users knowledge or authorization. I have since learned that XXXX is not partnered with ZELLE, but the system did not detect that or provide that feedback to the user. The attached document indicates what transpired in date order, with XXXX and XXXX XXXX communications side by side for easy comparison. It also includes confirmation of my XX/XX/2023 request to XXXX to cancel recurring funds being misdirected to XXXX XXXX, but it apparently continued through XX/XX/2023.
12/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33401
Web
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Early Warning 's Risk Solutions, detailing their egregious violations of my rights under the Gramm-Leach-Bliley Act ( 15 USC 6802-6805 ), the Fair Credit Reporting Act ( FCRA ), and the Privacy Act of 1974. These violations have resulted in severe hardships and emotional distress for me. Under the Gramm-Leach-Bliley Act, financial institutions, including Early Warning, are mandated to safeguard nonpublic personal information. Regrettably, I have experienced a blatant disregard for this obligation, causing a breach of my privacy rights and the mishandling of my personal information. In addition to the GLBA and FCRA, the Privacy Act of 1974 sets forth strict guidelines for federal agencies regarding the collection, maintenance, use, and dissemination of personal information. Early Warning 's Risk Solutions has egregiously neglected to adhere to these standards, contributing to the distressing situation I find myself in. I assertively and specifically outline the following instances of violation : Failure to Safeguard Personal Information : Early Warning has failed to adhere to the Gramm-Leach-Bliley Act, leading to the unauthorized use and sharing of my nonpublic personal information, directly violating my privacy rights. Lack of Transparency : Despite my rights under the Privacy Act of 1974, Early Warning has not provided the necessary transparency in the collection, maintenance, and sharing of my personal information, leading to an unacceptable lack of control over my own data. Third-Party Marketing and Promotional Activities : Early Warning 's involvement in third-party marketing or promotional activities without my explicit consent is a clear violation of my rights, causing unwarranted distress and inconvenience. The aforementioned violations have resulted in tangible hardships, including financial repercussions and emotional distress, impacting my overall well-being. I have taken steps to formally request an opt-out of these practices from Early Warning, but their non-compliance exacerbates the situation. I am seeking your intervention and assistance in rectifying these violations, ensuring that Early Warning is held accountable for their actions. I request a thorough investigation into the matter, appropriate sanctions against Early Warning if deemed necessary, and guidance on how to mitigate the damages caused by these violations. Your immediate attention to this matter is crucial in alleviating the ongoing distress and securing my rights to privacy and data protection. Thank you for your prompt consideration.
03/02/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 77449
Web
I submitted a dispute to Early Warning on XX/XX/XXXX due to the incorrect information stated on my Early Warning consumer report which was reported by XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX reported my checking account to Early Warning with the contribution reason " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner '' after I used my mobile checking app to mobile check deposit checks I received from a customer. After XXXX XXXX XXXX completed the transaction of all of the checks and deposited the funds into my checking account, I used my debit card to pulse the funds out of my account, then received notification from XXXX XXXX XXXX that the checks were bad. I visited with a XXXX XXXX XXXX branch manager in person immediately after I was notified that the checks were bad, and manager assured me that it was an incident that occurs all too often and that I would not be affected negatively since I was a victim of fraud. But then, XXXX XXXX XXXX closed and reported my checking account to Early Warning stating I was " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner '' which is false, and why I submitted a dispute to Early Warning. I was 100 % authorized to use my mobile checking app and I am NOT prohibited from using my mobile checking app to mobile check deposit checks into my checking account. It is the responsibility of XXXX XXXX XXXX to handle each transition correctly since I am the consumer and not trained or skilled to recognize fake or fraudulent checks. Early Warning sent me correspondence regarding my dispute and my rebuttal statement regarding the denial of my dispute. Their response stated that " we have determined this dispute to be frivolous or irrelevant and are terminating the reinvestigation of the information disputed '' which is totally demeaning and unethical. My dispute stating that I was a victim of fraud ( someone gave me fraudulent checks in exchange for goods ) is far from frivolous or irrelevant. It is the facts and proves the information on my report to be inaccurate. Early Warning 's decision to leave the inaccurate and negative information on my consumer report is wrong ; the information should be removed due to the inaccuracy. Like every other XXXX XXXX XXXX consumer, I was authorized to utilize my XXXX XXXX XXXX mobile checking app and the mobile checking deposit feature on the app. I should not have to succumb to stress and financial hardship for 7 years because XXXX XXXX XXXX took it upon themselves to transact and deposit checks into my checking account that were bad.
09/30/2015 Yes
  • Credit reporting
  • Unable to get credit report/credit score
  • Problem getting report or credit score
  • TX
  • 774XX
Web
I am unable to open a bank account due to information on file with Early Warning. XX/XX/XXXX : Called Early Warning was told issue had to do with XXXX XXXX in XX/XX/XXXX , but she couldn\'t tell me more until I had completed a consumer identification form with copy of the drivers license ; submitted both that day. ( I originally did not include my ss # on the form as I wasn\'t comfortable providing to random company asking for it. ) No confirmation, email, voice mail from Early Warning\XX/XX/XXXX : Resubmitted consumer ID and certification form with SS # and drivers license\XX/XX/XXXX : Received voice mail from XXXX stating my request was received for processing and that it was " just about done '' and should be " mailed within a few days, either tomorrow or Wednesday ''. That it would be coming from Arizona and to allow a couple extra days to receive. XX/XX/XXXX : Emailed Early Warning again - where\ 's my reportXX/XX/XXXX : Second voice mail from XXXX stating that yes she originally told me it was just about done, but now they need a copy of my social security card in order to mail file report. No one from Early Warning called/emailed me at any point to tell me they needed additional information ; I was originally told that all I need to submit was copy of DL, which I\ 've sent them twice.XX/XX/XXXX : Called Early Warning spoke to XXXX. Told that b/c I didn\'t provide my ss # in my form they now needed copy of my card. Explained I resubmitted form on XX/XX/XXXX and had vm from XXXX stating it was in progress. Then XXXX tells me they need the ss card because when the \ '' ran XXXX '' it came back with a different name. Which is it - XXXX XXXX in XX/XX/XXXX, no ss # on first form or different name attached to ss #? XXXXAll communications with Early Warning have been initiated by me, I have provided requested information and documentation, each time they have an excuse for why the report is not sent and they\ 've given me XXXX issues of concern ( if true ), but because I don\'t have the report I don\'t know what I\ 'm dealing with. None of this appears on my credit report from XXXX, XXXX or XXXX. I log in to SSA.gov to review my report - nothing there either. How do I even know this is a legit company? I honestly don\'t know if I should send a copy of my card, but if I don\'t they will continue to prevent me from opening new bank accounts or bank loans. I have all emails and I also have the two voice mails left by XXXX. This is past the point of ridiculous and it feels like a bank scam. I have proven who I am with my driver\ 's license ; address on form = address on drivers license = where to mail it.
05/19/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • CA
  • 92407
Web
Dear Customer Relations, As I found out researching this subject, this problem is happening to thousands of people yearly, and it seems there is no way to get your money back once the error has been made. Two weeks ago, my wife wanted to transfer to someone we know, {$1400.00}. She entered their name and phone number, and pressed send. Unfortunately, she was off by one digit at the end ( XXXX instead of XXXX ). This was done using the XXXX XXXXXXXX XXXX mobile app, and using their Zelle money transfer service. We immediately tried calling the wrong recipient, and sending them text messages, but there was only a recording, and no reply to the text messages. We then called XXXX XXXX XXXX and they told us there was nothing they could do to return or refund the money, or reverse the transaction. We insisted they try something, so they said they could try filling for a refund. A week later we got a letter saying they investigated the issue, and there was nothing they could do since we sent the money and it wasnt a scam. We asked them to appeal, and they told us they would send an appeal, and this week we got back an identical letter to the first one. We realize that it is our mistake, and our responsibility, but its extremely easy to make an innocent mistake, and it seems that thousands of people have similar situations with no possibility of resolution. Perhaps some regulation or rule could be implemented that would make it either easier to request a refund or to at least request a return, or if they could implement a more robust verification method which should not be hard to do. With XXXX ( through XXXX Bank XXXX you at least had to match the exact name and exact phone number or email which would make it harder to make a mistake to match 2 types of record. On Zelle you only need a phone number, and it doesnt have to match any name or anything else. ( we put the recipients name, but it didnt matter since it doesnt have to match the other persons name ) My wife feels terrible, but I understand how she did that not to excuse her responsibility. She is XXXX, and they use totally different numbers system, and she regularly makes mistake even with me over little things like dates or dollar amounts. We are very tight financially now, and could really use getting that money back. But even if we cant, it would at least be a step in the right direction and would make us feel better, if perhaps some new regulation or requirement could be implemented for these instant transactions, especially in the case of Zelle. We appreciate your time and attention to this matter. Sincerely, XXXX and XXXX XXXX
01/12/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 75214
Web
I was scammed by someone pretending to be XXXX XXXXXXXX XXXX XXXX. They had me verify my charges and the balances on my accounts. They told me that someone used my zelle account from an XXXX XXXX out of XXXX and had access to my account and used my email address and phone number that I did not give them, they already knew. They then had me zelle the phone number XXXX and name XXXX XXXX two payments. One of XXXX and one for XXXX. They told me that the phone number was for a zelle technician and that is how it would give me my money back. I questioned them multiple times because I was sketched out about sending someone money and they told me it was to test my account. I searched the phone number I was receiving the call from after replying YES to a fraud text message, I was called immediately by the number XXXX which I googled to make sure it was legit when I got sketched out and it is the fraud phone number for XXXX so it eased my worries. I replied yes to XXXX text asking me if I had made the charges myself thinking the zelle payments were fraud because that is what they prompted me to do. They then told me there was fraud on my cash app account, which I do not have so they said there was also fraud on my apple pay and sent me a one time code. I had never heard of this so I was even more sketched out and asked them to transfer me to the Help Center they freaked out and hung up the phone. They have called me back 4 times now telling me the line has dropped and I needed to fix my account and I let them know that I have reported this as fraud. They preceded to tell me you must think I am the dumbest person alive if you think I am going to send this money back. Happy XXXX XXXX! The phone number is : XXXX. I am shaking and have blocked the phone number and changed my account password. I immediately called XXXX and reported a claim. I have now heard back from them that they can not credit my account but are talking to Zelle but most likely nothing is going to happen and could take 6 months to get an answer at all. I have screenshots of the texts I received and also screenshots of my phone calls and also the Zelle payments made. I have also filed a report with the FBI and I have also filed a report with the police where they told me only XXXX XXXX XXXX can help with this and there is nothing they can do either. I feel extremely stupid to fall for this but it seemed legit until they started with the XXXX situation. I have had fraud recently on my card and just got a new one so I believed it was happening again. Please let me know if there is anything that I can do to receive my money back.
08/21/2019 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • IL
  • 60056
Web
I was following an account on XXXX XXXX They offered credit repair, credit sweep, tradelines, cpn, help with obtaining auto loans, help with finding a co-signer for student and personal loans.On XXXX XXXX,2019 I purchased two tradelines and I was told that I will be added as an authorized user to two credit cards and will also be able to use them for my personal use but would be responsible for my charges and accounts will be in my possession and stay on my credit report for 12 months. Owner of the account sent me a request through Zelle for an amount of XXXX. She confirmed receipt of funds and later sent me a text stating that everything is all set and I should expect cards in the mail and gave me log in instructions to follow after cards would come.We later agreed that next week I would get more information on how to purchase a product that their website XXXX offers for obtaining a co-signer for a student loan and a personal loan. On XXXX XXXX,2019 owner of the account texted me saying that her XXXX account was deleted and even though she is on vacation, she will be available and will proceed on fulfilling her duites after I make a payment for those two products. I was told that it will take about 2 business days to receive funds. She sent me another request for Zelle but she said it was from her other Zelle account. I paid XXXX for those products. Few hours later I called and texted to see if she needs any information from me in order to proceed. No response. I called next morning, no answer. After I hung up, this woman called and started yelling and cursing at me for bothering her on her vacation and that because of this she will block me and she won't be proceeding with any of her responsibilities. Later on she got her XXXX account back but under XXXX name. I have tried calling her. She did block me from her number that was listed on her website XXXX. I kept sending messages through her contact link on her website and no response. Few days later, I saw on her website that the number had been changed to XXXX. I called that number and the woman answered. After I told her who I was, she started yelling and cursing at me telling me that she doesn't care if I spent money on her products and that she has no intention of fulfilling her obligations and that if I called her again there will be actions done against me.In the past 3 weeks I tried to contact XXXX Zelle and XXXX (company that she has her domain from) asking for help in recovering my funds as it is very clear that this is simple internet fraud. All three refused basically telling me that this is my problem.
05/25/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NJ
  • 07202
Web Servicemember
I want to write a complaint for Zelle money transfer service. I am a XXXX XXXX and I was looking for potential roommates off campus at my local University so I could renew the lease on the house I was staying at since some of my roommates were leaving. One girl messaged me through a common roommate website used by students called XXXX and told me she was doing an internship out in XXXX but she wants a room in the house when she returns in XXXX for summer classes. She gets me in contact with her father so that he can send me a security deposit for the room. The check I received was for {$3300.00} instead of the {$850.00} for the security deposit. He tells me his job mustve sent me the wrong check and since he is " out of the country '' as well, he wanted me to deposit the check and to send him and his brother the rest back. I deposited the check and the balance showed up in my account so I sent him {$2000.00} total through Zelle believing the money was in my account. I sent {$1000.00} on XX/XX/XXXX and another {$1000.00} on XX/XX/XXXX. For the rest of the money, he convinced me to send it through XXXX XXXX. My XXXX XXXX order was placed on hold and they told me to call them. They asked me several questions and then they explained to me that I was a potential victim of scam. I believed everything was fine until I checked my banks mobile app again and it now says that the check has not been fully processed until XX/XX/23 and I realized that the check would bounce ( it ended up being a fraudulent check ). I tried calling Zelle to report the scam and they told me it wasnt their responsibility to report anything. I understand they do not want to refund any money but all I was asking was to help me locate the account and individual where my money was transferred to but they still refused. This is exactly how scammers get away with exploiting people. They know that banks and these money transfer companies are compliant and will allow them to continue exploiting people without any repercussions. Zelle did not have effective security measures such as XXXX XXXX which successfully blocked my transaction and helped me identify that this was a scam and blocked the transaction from occuring. Now that I realized I am a victim of a scam, I looked online and there are several reports and news articles explaining that Zelle is commonly being exploited by scammers because of their lack of security measures. Meanwhile, Zelle has not addressed to their clients that their services are commonly being exploited by scammers and they did not effectively warn clients through emails or other resources.
11/19/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • CT
  • 06484
Web
So, I just set up an app called Zelle to sell one of my XXXX purses on XXXX XXXX. A person named XXXX, however, I found a different name called XXXX XXXX after she fraudulently took money out of my bank account and it was unauthorized. I accidentally hit the send button instead of request for the money and now MY OWN money went to this scammer. My bank account, XXXX bank, refuses to refund me the money or reverse the transaction and Zelle filed a dispute and flagged this person as a scammer, but they also refuse to give me my money back. Moral of the story, I want my money back, and I wont stop until I do. I dont get paid enough with a bachelors degree as it is and minimum wage is higher than what I am making. No one is giving me my money back, which is RIGHTFULLY AND EARNED FOR ME, MYSELF, AND I!!! If you guys want to pay all of my bills, please be my guest because I give up with this country, the prices of everything, not being able to live my life because all I do is work to make ends meet as it is, and Im sick of this state matter of fact. I did NOTTTT authorize this person to receive MYYY money. I was supposed to receive it from THE OTHER person. This is 510 % fraud and it was completely 110 % unauthorized. I will be glad to get my lawyer involved if no refund is issued to me for {$150.00}. I am negative in my account anyways and if I have to go even more negative in my account to PAY MY BILLS LIKE AN ADULT or since Im not getting refunded right now, Ill just treat myself finally to new clothes I cant afford because Im too busy paying all these bills for you guys, instead of paying bills as always because I dont get paid enough to care! Anyways, I promise I have no problem calling my lawyer right now. I am so tired of getting messed over by the government and speaking of government, where are my 3 stimulus checks I never got because my DOB does not match the IRS database system?! I want my entire {$150.00} back or I will be talking to my lawyer about XXXX Bank and Zelle the app tonight. Again, IT WAS AN ACCIDENT!!! THAT IS MY MONEY THAT I DID NOT AND NEVERRRRR AUTHORIZED THIS PERSON TO GET AND I WANT IT BACK, ALL OF IT, LIKE NOW. END OF STORY!!! Again, Im tired of this country messing with me, and due to that, I have been planning to move to XXXX. This is absolutely absurd, immature, and obnoxious. REVERSE THE TRANSACTION INSTEAD OF LETTING A SCAMMER TAKE MY MONEY. THANK YOU GOVERNMENT!!!! PLEASE BE A LITTLE CONSIDERATE ( maybe Im asking for too much but Ill get my {$150.00} back even if nothing is done, somehow and someway dont worry, I promise. THANKS!!!!!!!!
12/05/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 94518
Web
My name is XXXX XXXX and I just started to find out that someone stole my identity. Starting in XXXX of XXXX I started getting alerts from zelle for my other 2 accts. At XXXX and XXXX. I never used zelle before but when I asked the banks they wouldn't give me any information. So I never received the funds or any information on where they came from. I notified the treasury about this suspicious behavior and never heard back. I also notified agencies about ph hacked redirects on calls n emails. I have new contact info. I think I had some trust acct/inherited monies but I don't know how to tell. I want to complain about never being contacted, or told anything when I asked. Zelle doesn't even have have a site to see past transactions. I check online with chexsystems 2c what bank they had in my name and wasn't seeing anything I understand. So currently I'm looking for bank history on wire transfers that were for me thru XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX. I had other account back in XXXX that I thought closed but maybe they didn't close. They are XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX. My old info that was stolen was ph # XXXX XXXX XXXX, old last name was XXXX, XXXX, XXXX. The 1st 2 were by marriage but XXXX was my maiden name and the name I use today since XXXX. The last 4 of my ss # XXXX. Currently on ssdi since XXXX n have been without a XXXX since XXXX when I filed bankruptcy in XXXX. Which I just found out was dismissed but never notified. I need information and help. I think my accounts have been tampered with, even ones I didn't know about. My life is getting more difficult and now my checking account are XXXX is sealed under confidential and I can't see it or pay my Bill 's. I'm headed back to XXXX with in the next week to try n see what's going on and get my money out. Please contact me with any questions or if more info is needed. I also want to include XXXX, XXXX XXXX and any other company that handles financial transactions. Included XXXX XXXX XXXX XXXX and XXXX XXXX. I need to get a history of transfers, complain about not getting help at my current banks and where I can get the financial history information so I can see what's going on since my divorce in XXXX. My current info is XXXX XXXX XXXX XXXX XXXX. XXXX or XXXX *I 'm also going to contact the department of real estate because I think I should find out what happened to my home in XXXX XXXX ca. XXXX or XXXX which is why I found out my identity was taken. Even my car ( XXXX XXXX ) or any claimed property thru unclaimed or echeated accts. Thank you
02/03/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 342XX
Web
On XXXX XXXX I was scammed out of {$400.00} using Zelle through my XXXX app trying to buy tickets for a concert. The person made a fake XXXX invoice and told me they were going to tranfer their tickets to me through my XXXX account. They then sent me an email from their email account with a very real looking invoice saying I got the tickets. I told them XXXX should have sent the email. At that time, I knew it was a scam. I called XXXX and filed a complaint and they said I needed to contact Zelle bc Zelle is a 3rd party on their banking services. Right now I do have a complaint with XXXX as well. XXXX had closed my complaint less than 24 hours later. But I also feel Zelle has treated me unfairly as well. When I called, they said I needed to call XXXX and I told them that XXXX said I needed to call them. When I gave them the info, they said that they don't dispute the charges and I can't get my money back. I asked " why can't they just get the money back from the Zelle user that scammed me. I told them I had alot of information about the person, including his address, phone number, email account and copies of texts and phone logs ''. They said that they didn't need any of that but if they did, they would contact me. But, I would not be able to get my money back. I felt like someone should stop this person from scamming other people, so I looked online and filed a complaint online with Zelle. A few days later, I called XXXX and they said it was closed and in Zelles hands and I could maybe get a courtesy refund from Zelle. They said my Zelle case number was # XXXX.I called Zelle and gave them that # and they said it didn't exist and to handle it with XXXX. I asked for a manger and the manager said maybe there is a case number with that # but there was nothing more they could do. I told them I was really concerned about this person scamming other people and I didnt understand why they couldnt just reverse the transfer or do a chargeback if they had the scammers info. She said I would not get my money back, but she would take down the info i had about XXXX XXXX and try to flag his Zelle account. Please help me to understand how they know this persons information but can not get my {$400.00} back from them. Is there any way the ABA 's Electronic Fund Transfer Act ( Reg E ) can help me get my money back. I did so much research about this and about the person who scammed me, I want them to repay me and to also be held accountable for scamming me. I am in the middle of a police report right now and would like to prosecute this person, if that ever happens.
09/17/2022 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • CA
  • 95123
Web Servicemember
On XX/XX/22, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I agreed and she said she would give me {$500.00} a week in exchange for having an honest person to talk to everyday. The same day we started talking she said she would give me my first {$500.00} and gave her financial cashier my phone number to give me the check. A couple hours later the same day she asked me if I could do her a big favor. She told me that her Zelle, XXXX XXXX, and other forms of mobile payment wasnt working, and that she found out that her granny has XXXX. She basically said that she was going to send me some money ( XXXX ) to Zelle to her granny along with my {$500.00}. I agreed and was talking with her financial cashier through a phone number but found out it was actually her I was talking to ( XXXX ). Her financial cashier apparently then started talking to me through another contact ( XXXX ). At that point I had a suspicion that I had been talking to the same person all along and that there is no financial cashier but Im not sure. They both sent me images on how I would deposit the checks that they sent me. They told me to take pictures of the checks from a computer or XXXX which I did. I was sent 2 checks and each was for XXXX. I did it, and just {$500.00} came through within a few minutes and they both kept desperately urging me to send that to the granny right away so I did it. The Zelle info they sent me was to XXXX XXXX XXXX, ( XXXX ). They kept calling me at XXXX asking me to check if anymore money came in. Another {$500.00} was available the next morning so I sent that out as well. They said it had gone through and to keep waiting for one more {$500.00} to go through to send out to granny. The following morning my account was at- {$760.00}. I informed them both and all the financial cashier said is that it was negative because I deposited the first check wrong. However XXXX never replied and when I went to go message her again on XXXX I saw that her account had been deleted. We went to go talk to a banker at XXXX and she had told us that they couldnt do anything because I had used Zelle. A couple days later all the checks had been returned fake/altered. My account is now at a - {$990.00} and is now currently blocked by XXXX, if I do not pay back the negative balance they will close my account.
09/27/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 95148
Web
I decided to rent an apartment for my upcoming university years from XXXX to XXXX. I saw this apartment listed on XXXX with the rent per month is {$900.00}. I emailed the landlord, he provided me the contacts information so we can be in contact ( the email : XXXX with his phone number : XXXX ). In his first email he said he has stage XXXX XXXX so we can't call him, only contact through emailing and texting. In that very first email also, he said his wife passed away, this is his and his wife 's house so he needs someone is responsible that can take care his house for him because he is now living in XXXX so he can be able to live with his family, money is not a problem right now to him. We felt genuinely bad for him so we agreed that i have to pay 2 months which is the first month and the last month ( {$1800.00} ) and a {$1000.00} security deposit. I transacted him {$2800.00} with {$2000.00} on XX/XX/XXXX and {$800.00} on XX/XX/XXXX ( He emailed me and texted me everyday, rushed me to send him the money. After that, we already signed on a lease agreement. Later, he emailed me that his lawyer found someone to pay 8 months of rent and asked if we pay them 4 more months rent, they will keep the apartment for us, he emailed me everyday saying things like please, I want you to be my tenant or we already came this far, paying the last time and we will be done. I was stupid and did not see his bad intention in which I sent him 4 more months rent on XX/XX/XXXX ( the total {$3600.00} ). He said he will send me the keys and documents for the apartment. It never happened, the assumed landlord put the package in USPS on-hold and demanded 2 more months of rent to be able to send us the keys and documents, and we did not agree. I sent him several emaiIs and texts about our decision and asked him to send us all our money back, he only emailed us back after several days after many emails I've sent, he begged us to send more money so we can finish and receive the keys with documents ( different than when we have to send him the money, he emailed us every single day ). I sent him many other emails for him to transact our {$6400.00} in total, he did not send any emails back. I texted him many times through phone number, he ignored it. I called him several times and each time, he declined my call and later that day, I found out that he blocked my phone number and everything. I believed he used this phone number for scamming since the one he used to register for the XXXX account for this email ( XXXX ) is a completely different phone number that ends with XXXX.
12/08/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Non-sufficient funds and associated fees
  • ME
  • 04210
Web
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, ME, XXXX ] [ XX/XX/2023 ] Early Warning Services Consumer Services XXXX XXXX XXXX XXXX, AZ XXXX Re : Consumer # : XXXX Dear Consumer Services, I am writing in response to your letter dated XX/XX/2023, regarding my request received on the same date. Thank you for your prompt response, but I would like to seek further clarification on certain aspects of your reply. While I understand that Early Warning does not offer direct-to-consumer products for opting out and that information in your database is acquired from financial institutions as allowable by law, I am keen on gaining a deeper understanding of the specific legal provisions that govern this acquisition process. Therefore, I kindly request additional information on the following points : 1. **Legal Basis for Information Acquisition : ** - Provide detailed information on the specific legal provisions that allow Early Warning to acquire information from financial institutions, ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Understanding the legal basis for this acquisition will help me appreciate the transparency and legitimacy of the process. 2. **Exemption from Freeze Information Requirement : ** - I appreciate your mention of the FCRA exemption under Section 603 ( x ), which relieves Early Warning from the requirement of accepting or referring freeze information to other consumer reporting agencies. However, I seek further clarification on how this exemption aligns with the FCRA 's broader objectives of consumer protection and privacy. Please elaborate on the specific circumstances that warrant such an exemption. 3. **Website Information and FAQs : ** - Your letter directs me to visit www.earlywarning.com/consumer for additional FAQs. I request that you provide specific information on the website regarding the acquisition of consumer information and the legal framework governing this process, as well as details on the exemption from freeze information requirements. Clear and accessible information on your website will contribute to a better-informed consumer base. I believe that providing this additional information will contribute to transparency and help me better understand Early Warning 's practices within the framework of consumer protection laws. Thank you for your attention to these matters. I look forward to a comprehensive response. Should you have any questions or need further clarification, please do not hesitate to contact me directly. Sincerely, [ XXXX XXXX ] [ XXXX ]
08/09/2018 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • CA
  • 94404
Web
XX/XX/XXXX Added a XXXX recipient " XXXX '' -- XXXX XXXX XXXX XX/XX/XXXX TRANSFER TO XXXX XXXX REF # XXXX ( via XXXX ) {$240.00} -- email used was : XXXX XX/XX/XXXX Amount not received by XXXX XX/XX/XXXX Talked to XXXX XXXX banker " XXXX '' at XXXX XXXX Branch He noticed that XXXX had not registered for XXXX with her email yet. Sent instructions via email to XXXX on how to register with XXXX and asked her to do so. XX/XX/XXXX XXXX still has not recived the {$240.00} in her account Added XXXX recipient " XXXX '' -- XXXX XXXX ( XXXX 's husband ) TRANSFER TO XXXX XXXX ON XX/XX/XXXX XXXX # XXXX ( via XXXX ) -- email used was : XXXX XX/XX/XXXX XXXX XXXX received the amount in their account ( same account as XXXX ) {$240.00} XX/XX/XXXX Talked to XXXX XXXX banker " XXXX '' XXXX checked both of our accounts -- XXXX 's email was still NOT registered with XXXX -- XX/XX/XXXX Our account showed a payment of {$240.00} to XXXX -- XX/XX/XXXX Our account showed that the payment was delivered to some XXXX account ( not XXXX 's ) -- XX/XX/XXXX XXXX XXXX & XXXX 's account show NO payment received on XX/XX/XXXX. -- XX/XX/XXXX XXXX XXXX & XXXX 's account show the payment ( {$240.00} ) received. ( sent on XX/XX/XXXX ) XX/XX/XXXX After almost 3 weeks of original XXXX payment, the amount that should have been returned to us within 10 days of No Delivery is still no where to be found. XX/XX/XXXX XXXX claim case opened : XXXX XX/XX/XXXX XXXX claim case closed : They claim the amount was successfully delivered and a token was successfully issued and there is nothing they can do now ( but they do not disclose to WHOM it was delivered ) The question is : If XXXX 's email is not registered with XXXX ( as XXXX XXXX has verified ), then where did the original amount of {$240.00} go -- it was taken from our account but not received by the intended recipient ( both facts verified by XXXX XXXX including the intended recipient 's email address, so no confusion about the email address either ), then where did it go and why are they not refunding us?? XXXX XXXX XXXX have no other bank account. XXXX also called XXXX XXXX & XXXX, but they could not help him either to track down the missing payment. XX/XX/XXXX -- XX/XX/XXXX Went back & forth with the XXXX XXXX banker " XXXX ''. He opened a new case : XXXX with their Executive Resolution Team, who took 2 weeks to look into this. In the end the case was closed because XXXX won't expose the account # the amount was deposited to. XXXX gave up and agreed we go through the Legal Route.
01/19/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • OH
  • 44512
Web
I was a victim of a fraud scam that occurred on XX/XX/2018. The scam involved me sending an unknown recipient money via the XXXX app associated with my XXXX checking account. A total of {$830.00} was lost to the scammer. At the time, I had a balance of {$0.00} in my XXXX account because I had moved to a new location that didnt have any XXXX banks and therefore transferred all of my money to a different bank. The scammer sent me a bad check for {$1300.00}. I cashed it at XXXX. The {$1300.00} showed up in my account. I then sent {$830.00} of that money to the same person. Then the check came back as bad and I was left with a negative - {$830.00} balance in my XXXX bank account. I reported the incident to my bank, XXXX. I also filed a police report. XXXX sent me a letter in the mail saying that my situation was not considered valid as fraud and they would not be paying the - {$830.00} balance in my account. They also charged me tons of late fees on the negative balance and then, after two weeks, closed the account. Blacklisting me from opening up any new bank accounts with anyone else in the future. During a phone conversation with a XXXX Escalation manager, I asked why my situation was not considered a valid fraud and was told theres no way we can prove that you didnt just send the money to a friend. This is a lesson you need to learn. Its only {$830.00}, you can make payments on it. We cant make an exception for you because if we did, the feds would come after us. We cant make an exception for you because if we did, youd go and tell all your friends about it, theyd try to get away with the same thing and we would go bankrupt. The man I spoke to said I dont think anyone at XXXX would believe you were trying to scam us out of money. But theres no protection for this. Its a very common scam that happens to hundreds of people a day. My complaint with XXXX and XXXX, Which is the app that was used to send the money, is that there were no protections in place for this very common type of fraud. Why was a {$1300.00} check cleared that later determined to be bad? Why was a transaction of {$830.00} allowed to go out from an account that had no money in it and why wasnt I alerted? If this scam is as common as I was told it is, why arent there protections in place by both the bank and XXXX? People put their money in banks to keep it safe. And banks are using a money transfer service that has less buyer protection than XXXX. I would have better safety making my transactions on my own.
02/13/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • IL
  • 60657
Web
Entities Involved - XXXX XXXX, Zelle, XXXX XXXX, and XXXX XXXX XXXX I use XXXX XXXX for my banking needs. I hold a checking and a savings account with them. They have an affiliated service -Zelle XXXX for money transfers that uses phone numbers or emails as identifiers to send money. On XX/XX/XXXX, I made a payment of {$1700.00} to an individual known to me by using her email which is linked to her Zelle Account. I was told by the individual that she has not received my payment. On receiving this news, I called XXXX XXXX 's customer care number and visited their branch in XXXX XXXX to seek help. They registered a claim on XX/XX/XXXX. They responded on XX/XX/XXXX, that the money was received by the individual - the intended recipient of the money on the account linked with her email address on Zelle. I again went back to the individual stating that the bank has completed an investigation and that they are claiming that the money is with you. The individual responded by providing me an email copy from her bank- XXXX XXXX - that no such money has been received in her account linked with Zelle with them. I went back to XXXX to reopen the claim on the basis of this document. They came back saying that the money was received by the intended recipient in the bank account linked with the email and her Zelle account. On my repeated queries with the bank to figure out the whereabouts of my money, one of the customer care executives/investigation team members suggested that I request the intended recipient for her bank statement for the month. I complied and requested the bank statement from the intended recipient. The individual was not comfortable with sharing the banking statements but assured me that she will check with her bankers again. She wrote back by email saying that she went to both her bankers ( XXXX XXXX XXXX and XXXX XXXX XXXX ) where she has different Zelle accounts. She categorically wrote in the email that both banks denied receiving any such amount. On JXXXX XXXX XXXX XXXXXXXX, I requested XXXX XXXX and Zelle separately to provide me with the details of the bank account where they believe the money is deposited. They have not provided this information citing privacy concerns and are not paying heed to the fact that the intended recipient checked with both banks about the money and came with the same reply that the money was not received in her accounts. In the end, I don't know where my money is sitting and the information about this is sitting with XXXX and Zelle.
01/30/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CO
  • 802XX
Web Servicemember
$ XXXX taken from my checking acct for a house I was trying to rent in XXXX On XX/XX/XXXX, I was searching for houses. I went on XXXX because all the normal sites weren't getting back to me. I was in a very desperate situation, trying to get out of an abusive living situation with my son. I found someone looking to rent their house out as a private landlord. I scheduled a tour that afternoon around XXXX. I used a code to access the property. We agreed on an immediate move-in for the next day. Things got really weird once I sent the money, but at that point it was too late. My acct had already authorized the payment. I was vulnerable and the person took advantage of my situation. I went back and forth with them for a few days, but eventually just blocked them cause it was getting me nowhere and they were harassing me. I filed a report with XXXX and they were unable to recover the funds. The person said their name was XXXX XXXX XXXX XXXX XXXX XXXX on the lease ). I think he might have been using a voice app or something because at times it sounded like he had a heavy XXXX accent. They also had the following emails associated with them : XXXX XXXX XXXX The man said his wife 's name was XXXX XXXX, which is who the money ended up getting sent to. They then told me I would have to pay an extra {$500.00} to move in and even more money to receive a refund. Total scam. I also filed a report with XXXX XXXXXXXX who the home is apparently owned by. I wanted to submit this in case there is a way you can help me recover the funds, or if you have other people who have reached out about the same issue. *This is all the information I provided in a police report to XXXX XXXX on XX/XX/22. They got back to me and said these scams are at an all time high and are unable to open a case for something like this. Person scammer posed as : Name XXXX, XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX, CO XXXX, XXXX Home Phone XXXX Email XXXX I have gone back and forth with Zelle and XXXX with no resolution whatsoever. I was on the phone with Zelle while I was sending the money and they told me that I could call them the next day if it actually left my acct and they would help me. When I called back, they then told me I would have to go through my bank. My bank was no help... even though XXXX XXXX XXXX apparently owns part of Zelle. Seems like a good way to XXXX over consumers. $ XXXX is A LOT OF MONEY. Especially for a single mom living off one income. Please help me resolve this issue!!!!
03/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30339
Web
The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Attached is documentation listing all accounts in question. Below are the following US Code violations these entities have committed. 16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show Early Warning Services, XXXX, and XXXX are all in direct violation. As Ive yet to be contacted via phone by any of these entities regarding the deletions or blocks that they detail in their previous responses. These blocks Early Warning Services places on my report immediately get removed with NO details of the investigation, regardless of all information I supply them with that, quite literally, details all aspects of my identity theft. Early Warning Services has specifically continued to violate these rights, and I need a resolution immediately. As detailed in the FRCA, these entities are now required by law to remove these accounts and provide me an updated copy of my account reflecting the changes Im, again, which I am entitled to per the directions provided by the FRCA, demanding to be implemented. All of the above accounts referenced need to be removed, as I am not liable for these debts that were unlawfully added to my credit report because of a severe case of identity theft Ive informed these companies of ON MULTIPLE OCCASIONS. Non-compliance will force me to forward this poor line of communication and blatant disrespect for my rights as a consumer, to the Attorney Generals office ; which will also include cases with the FTC and XXXX being submitted as well. Cooperation during this matter is required.
12/08/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NY
  • 11364
Web
Summary : - Crimes Committed by Scammers : Extortion, Impersonating cop, XXXX XXXX. - On XX/XX/22 at XXXX XXXX I received phone calls from people who were impersonating XXXX and XXXX. They threatened to arrest me for money laundering unless I paid them money. I was extorted for a total of {$17000.00} They spoofed their phone numbers to be part of the NYPD and ice.gov ( XXXX, XXXX ) and accused me of money laundering with an account associated with XXXX XXXX in Minnesota. I initially hung up on the person claiming to be from XXXX but hXXXX instantly called me back and aggressively asked me why saying it was an urgent matter. Immediately right after, someone from the XXXX called me about the same issue, and that's when I started to doubt and worry about my situation. They said they would issue an arrest warrant if I didnt comply with their investigation and send them money ( a bond amount ). They constantly switched between calls. The person claiming to be from XXXX stated his name was XXXX XXXX. He made me read forms on ice.gov and said I could not tell anyone about the investigation. They sent various emails from XXXX to prove the legitimacy of their claims. They made me screen share my bank transactions on my phone, send them a picture of my driver 's license ( front only ), asked for people to refer to, and send them money through various mobile apps ( XXXX, XXXX Zelle, XXXX XXXX XXXXXXXX Zelle ) and through a wire transfer from XXXX XXXX XXXX. I sent them : {$9500.00} via wire transfer from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} from XXXX {$2000.00} from XXXX Zelle {$2500.00} from XXXX XXXX XXXX Zelle {$950.00} froXXXX XXXX XXXX XXXX Zelle XXXX, in total, I sent : {$17000.00} on XX/XX/22 After my payments, he sent an email with a photo of a check, saying it was a refund for the bond and XXXX fees. I asked if we were done and If I was safe from jail. He said I was innocent. He told me what I need to do now that I was clear. No social media, no telling anyone for 24 hours. They told me to update them on what I am doing every hour. Unless I was sleeping, then I need to say I am sleeping. He said the next day the cops will come and look at my documents. I already filed claims to all platforms from which I sent money. XXXX was able to refund me, but XXXX Zelle denied my claim, so I wont be receiving my {$2000.00} back. As foXXXX XXXX XXXX XXXX XXXX Zelle and Wire transfer claims, they are still being processed.
04/17/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77469
Web
I have reached out to this company 2-3 times. They removed some of the information that was on there. I was not even old enough to have a account with the things that they removed. Now I am fighting to get the rest off. I am not asking them I am begging them I feel like I have no life at this point because I can't get anything done our even use my own name. I have written everyone I know how to write .I am so clueless & frustrated about this issue I am hoping this letter reaches the right hands. My last hope is to reach out to the news station & social media if I can't get help from this letter. I am sending ALL of the paperwork that I have I was in XXXX when these accounts were open. I walked in on my husband & sister having XXXX I hit him in the head with a bat she ran out the door I couldn't get her. The police were called I went to jail, this is " NOT '' the first time that my sister has used my information. I went through XXXX trying to clear my name with credit card companies last time & I finally did. I am sending information showing & proving that it was no way possible that I could be in two places at one time. I am not asking I am begging that you please remove XXXX XXXX, XXXX & XXXX XXXX I ( DID NOT ) HAVE these account I have never had a account with them. It is impossible for me to be in two places at one time a XXXX is XXXX down unless I had a clone or turned in to a ghost. I received 6 years in XXXX for XXXX XXXX on a family member. I just recently was released in XXXX I am still working on other banks & credit cards to be cleared my cousin has helped me a great deal while I was XXXX reaching out to most of these companies. I am reaching out to all of the company 's that are left on my credit file & my bank report. This is horrible I feel XXXX & robbed I can't even use my OWN name. I am taking ALL of the precautions I put a block on my credit report, filed police reports, flagged my name with every company known to man. I was brought up in a family where I had lights in my name at the age of 6 years old. Right now I am trying to piece my life back together about some of these companies treat the VICTIM like the criminal this is just outrages. My sister name is XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX ... If it was not for my cousin helping put blocks on my info while I was in jail I don't know where my life would be right now. I just want my OWN identity back PLEASE.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX
02/11/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • IN
  • 470XX
Web
I am a decade+ customer of XXXX XXXX XXXX I have a checking, savings and business account with XXXX XXXX. Tonight, an artist we've done business with multiple times, asked us to send our payment of {$200.00} to him through Zelle, which we believed to be a XXXX Bank owned app based on the advertisements provided by XXXX XXXX and the zelle app embedded in my XXXX XXXX account. Believing the product must be reputable, the payment was sent. After sending, our friend asked us to send a screenshot. I found this odd, as we've done business several times. So I asked him to call me and when he refused, I found that his XXXX account was hacked. Within literal minutes of sending the payment, I called XXXX XXXX. They said Zelle is not their app, its a 3rd party and there was nothing they could do. I asked if they could NOT send the funds, because the funds WERE NOT SENT. They said no. I called Zelle, it had no options for fraud, for support and the system hung up on me twice. I called XXXX XXXX back and explained that we should have the ability to mitigate our losses, that XXXX XXXX advertised this app in a way that made it seem like it was a part of their services and an app owned by them. They stated they had to ability to stop the funds, that are STILL SITTING IN A PENDING STATUS, from being drafted from my account. Zelle has no fraud department Zelle has no customer service options Zelle has no customer service agents available Zelle has no options for us to protect ourselves or report time sensitive issues related to fraud or app issues. No CONTROL is provided to me, the customer defrauded by the app XXXX XXXX touted. Now that I've been informed Zelle isn't part of XXXX XXXX, I am aware that I may not be afforded the same protections that I would if it was part of the bank, such as FRAUD protection. I also am GUESSING zelle doesn't have a dedicated team. Had it had one, the funds would not have been sent, because we would have been able to call within the first 10 minutes of sending the payment, and cancelled it. Zelle should be required by law to have a fraud team. Zelle should be requried by law to disclose during the sign up process PUSHED BY XXXX XXXX, that it is NOT AFFILIATED WITH THOSE BANKS. XXXX XXXX should not be legally allowed to advertise the use of an app it has ZERO control over or protection it offers with it. Zelle should not be able to refuse fraud or customer service.
12/11/2017 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • CA
  • XXXXX
Web
On Saturday, XX/XX/XXXX, my roommate transferred me {$2000.00} using the XXXX mobile banking app, as she had done many times before. I have a XXXX XXXX account so the transfer should have gone through immediately, as it is supposed to. About 30 minutes after, I get a text from XXXX XXXX XXXX saying that my account will be credited this {$2000.00}. I do n't have a XXXX XXXX XXXX account so this was my first red flag. We both went into a XXXX and they said not to worry and just to wait a few days. After a few days, we contact XXXX and they say we have to contact their claims department to get the money back. My roommate does so and they deny the claim several days later, saying it went into a XXXX XXXX XXXX account and that XXXX XXXX XXXX has to do something. For the next two months, we go back and forth between XXXX XXXX XXXX and XXXX trying to get our money back. Each one blames the other and both lead us on wild goose chases through a chain of phone calls. The transfer was done using XXXX, which is a third party company that XXXX and many other banks use so we also contact them after giving up on XXXX and XXXX XXXX XXXX. Both XXXX and XXXX XXXX XXXX say this is a XXXX problem since it was done using their app and since we are both XXXX customers. XXXX refuses to handle it since they said everything was " done right on our end '', even though clearly not since both of us are out {$2000.00}!!!!!!! They say that it has something to do with my phone number and that even though I had updated it on the app, it did n't go through ( which i was NEVER made aware of! ) because it is linked to a XXXX XXXX XXXX account, even though I have had this number for over 1 year. Regardless, a bank transfer should never go through using someone 's phone number!!!! They make me think it is fraud so we go and file a police report with the XXXX XXXX Police Department who then tries to get in touch with both XXXX XXXX XXXX and XXXX. Both banks STILL wo n't cooperate even with the police! I even called the XXXX Executive Customer Service number and submit a complaint on the XX/XX/XXXX and have yet to hear back from them. They are absolutely refusing to cooperate, even though it was their app that made us lose our money. Please help!!!!!!! XXXX is the one that facilitated this whole thing and they absolutely refuse to help us or even acknowledge the fact that we have an account with them. We have all our conversations with them saved for proof!
05/22/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • IL
  • 61401
Web
On the afternoon of XX/XX/19, I attempted to transfer {$300.00} through the Zelle Money Transfer service. The funds were to be sent were to be withdrawn from XXXX XXXX XXXX. When attempting to submit the transfer to a third party recipient, I received an error message from Zelle that transaction failed and that I could try again to submit the transaction. In the past, I had received this same error message and was able to complete the transfer. Due to my past experience with this type of failed transaction, I attempted 3 additional times within a span of 2 hours. I never received a notification from Zelle that any of the transaction ( s ) were successful. The next morning when I went into my online bank account application there were 4 transaction of {$300.00} each that had been deducted from my bank account. I then checked with the 3rd party intended recipient and they had not received any of the funds or had received a notification from Zelle that there was a pending deposit ready for them. I attempted to Contact Zelle on XX/XX/19 and was only given computer automated responses. However, after many attempts over several days I was informed that the Zelle company was only a transfer service and that the transaction is actually bank to bank transfers. On one of the calls to Zelle, XXXX verified that all 4 transactions failed. Zelle said that if money was not accepted it would be returned to the sending bank after 14 calendar days. During the same timeframe I had been attempting to contact Zelle, I was in contact with an associate, XXXX from XXXX XXXX XXXX XXXX Branch to see what could be done from their side. Assuming the worst and worrying that there was some sort of fraudulent activity being done through Zelle, the bank destroyed the debit card and provided me with a new debit card. I was instructed to fill out a formal dispute to determine the error and the disputed POS transactions. It was determined that there was no error on their part and since I admittedly authorized the transaction with Zelle. However, when authorizing the transactions with Zelle, I was under the assumption that no money was being removed from my account when the transactions had failed each time. It seems that neither party wants to assume any responsibility for this issue as they are both pointing fingers at each other. In the meantime I am wondering where this {$1200.00} is and why it has not been returned to me.
10/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75068
Web
I was a victim of identity theft/fraud. I lost my bank card while on vacation in XXXX. I received a notice from XXXX XXXX XXXX, stating my account was overdrawn. I went in branch to investigate, and was advised there were fraudulent checks going through my account and XXXX was returned for forging signature. The account was closed and my cards shutdown. Even though they know my card was stolen, I was forced to pay the overdrawn amount which was {$9700.00}. Now, on my Earlywarning and XXXX systems credit file and report, its showing that I was committing checking account fraud. I contacted XXXX XXXX XXXX and ask that they update my account internally and with the credit/consumer reporting agencies. I was told I have to contact them personally. i have written multiple letters to XXXX XXXX and Earlywarning, providing proof that i did non of the transactions and I have no knowledge of if, I lost my card and this has been the pending result, they either send me back to XXXX XXXXXXXX XXXX or say the information is correct. either way I keep getting the runaround. I asked for details example the name of the person they spoke to while investigating, proof bearing my wet ink signature or any documents and up to this day, they have not provided me with anything. Under the FRCA I asked them to remove all unverified, derogatory information from my report being they can not provide any documented or verifiable proof, they have not done that either. Due to the derogatory, unverified information XXXX bank who was my main bank for over 10 years immediately closed all my accounts and ended all relations with me. Same thing happened with other banks I had accounts with. This derogatory information has been a huge burden on me and huge inconvenience with financial institutions. I was denied opening a new bank account because of this. I did everything they asked even paid the balance, I wrote, called, plead n begged. I'm at my last resort now, I'm tired of the back and fourth honestly. I feel like I have been getting computer generated replies, because its the same thing over and over. I'm kindly asking you to step in and help please. Any proof or additional information you need please don't hesitate to ask I'm a hard working honest young man, no arrest or criminal history. Thanks in advance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX early warning- XXXX XXXX XXXX XXXX XXXX
01/22/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 95401
Web Servicemember
To Whom It May Concern : A man who identified himself as XXXX XXXX and stated he was a representative of XXXX XXXX XXXX came to our door on XX/XX/2022 and initially spoke with my husband about investing literacy for at-risk youth. He reported he was selling magazines. I came to the door and told him we would not purchase any magazines but would make a donation of {$400.00}. He reported he still needed to select magazines for distribution and chose XXXX He wrote up XXXX separate receipts and provided them to me, and I made the donation via Zelle. I later noticed the receipts he provided actually totaled {$440.00}, but I only sent {$400.00} via Zelle to XXXX 's purported boss, XXXX XXXX. My husband told me he felt uneasy about the entire exchange and felt I was swayed by XXXX 's story that he was working to overcome poverty and find a means to support his family as well as a photo of a child he referred to as his son. My husband wanted to see if we could find more information about the organization. Upon searching the web, we primarily found information that suggested the company and its charitable platform were both scams. Although I was able to find what appeared to be a legitimate websiteXXXX XXXX XXXX XXXX it offered very little information ( e.g. no financial report on the company, no photos of or links to the alleged magazines that were purchased, no customer reviews ). I believe I was scammed by this man who may or may not have used his real name and may or may not be the victim of a scam or a MLM scheme himself. I did not provide him with any sensitive information, but I did give him my email address, and he has my signature. Additionally, he was able to see into the living room of our home. I submitted a fraud report to Zelle, my bank, the FTC, the CA Department of Consumer Affairs, the FBI, and the police, all to no avail. I attempted to email the company and received a bounce back email advising the address is invalid. I called customer service but was unable to reach a human being and received an automated message that did not offer any information related to the company. ( " You have reached customer service ... '' rather than, " You have reached XXXX XXXX Services ... '' ) I am seeking restitution for this loss. Please advise regarding whether there is any means through which I might be able to pursue damages for falling prey to this scam. Thank you for your time and consideration.
02/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • XXXXX
Web
Dear Consumer Financial Protection Bureau, CFPB : XXXX XXXX is reporting FRAUD on my social security number. On XX/XX/ ( Saturday ), I visited the XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX to open an XXXX XXXX account. I went into a branch bank at the request of XXXX XXXX telephone customer service as a prerequisite to opening an XXXX XXXX Account. My credit score is XXXX per XXXX. Once inside the bank, XXXX XXXX refused to open up the account because they allege their system is reporting FRAUD with MY SOCIAL SECURITY NUMBER ( citing multiple names on my social security number ). I informed them that is incorrect, and instead of the branch manager CORRECTING AND BLOCKING THAT ERRED INFORMATION she refused to open the checking account. XXXX XXXX XXXX cops were called, and AN IDENTITY THEFT REPORT OBTAINED ( TRACKING NUMBER XXXX ). I AM DIRECTLY REQUESTING THE CFPB BLOCK THE ERRED INFORMATION XXXX XXXX HAS ON FILE PREVENTING ME FROM OPENING UP AN OPPORTUNITY CHECKING ACCOUNT. MY CURRENT CREDIT REPORTS WITH THE 3 CREIT BUREAUS ( XXXX, XXXX, AND XXXX ) ARE NOT REPORTING THE INFORMATION XXXX XXXX FALSELY ALLEGES. THE CONSUMER FINANCIAL PROTECTION BUREAU, CFPB, IS REFUSING TO DO THEIR JOB VIA BLOCKING THE ERRED INFORMATION AND THEY ALONG WITH XXXX XXXX NEED TO DO THEIR JOBS AND STOP INTERFERING WITH MY FINANCIAL ( SAFETY ) FREEDOM. PLEASE NOTE THE UPDATE TO CFPB COMPLAINTS XXXX FILED XX/XX/ ( SATURDAY ) : XXXX XXXX bank is interfering with the processing of Checks disbursed by Georgia XXXX XXXX XXXX XXXX, XXXX, ( APPROVED CLAIM NUMBER XXXX PURSUANT TO O.C.G.A. 17:15:7 ). Currently, XXXX writes the checks from a XXXX XXXX bank Account, and I want to file a claim for My Money. I AM THE INNOCENT VICTIM OF XX/XX/XXXX-THURSDAY XXXX XXXX WHERE I SUSTAINED SIGNIFICANT XXXX XXXX, AND XXXX XXXX. I have been APPROVED FOR {$25000.00} AND CURRENTLY XXXX IN IN ARREARS REIMBURSING ME {$15000.00} FOR treatment resulting from XX/XX/XXXX-Thursday XXXX XXXX, and currently XXXX owes me {$15000.00} ( PRIOR {$12000.00} ) and have FAILED TO DIRECTLY COMPENSATE ME. There lackadaisical attitude is interfering WITH THE CONTINUITY OF COMPETENT ( SAFETY ) CARE AND SAFETY TREATMENT FOR ME. I am an emotional wreck, and now they are wreaking havoc on bank account preventing me from getting stable banking accounts. Sincerely and Respectfully, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX
08/28/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • GA
  • 30087
Web
On XX/XX/XXXX I met and consulted with XXXX XXXX XXXX on getting extra small XXXXXXXX XXXX, I decided to move forward with XXXX and I put down a {$100.00} deposit. On XX/XX/2022, XXXX XXXX XXXX installed XXXX extensions and placed the hair in two strand twist, on Sunday, XX/XX/XXXX I took down the two-strand twist, and to my surprise, there were several major issues. # 1 These weren't the XXXX that she had shown me prior to installation. # 2. The XXXX sizes ranged from large and med # 3. The colors were off. # 4. Some of the XXXX weren't locked. # 5. The hair that was used is not 100 % human hair. I sent her several messages and texts on Sunday up until Tuesday and XXXX blocked me, so I went to the shop and spoke to the manager and he was able to contact her. She then decided to answer my messages only after the manager made her contact me. Her solution was to redo my hair after I purchased more hair, but at this point with her defrauding me, I was not interested in her doing anything else. I told her I would return the hair, but I was asking for a full refund and she declined. She's insisting that this hair is human, but two SMEs have analyzed this hair and both agreed that it is not human hair. I have also tested both the front and back and have also concluded that this hair is not human. I paid a total of {$950.00} and I would like a full refund. This business stated on their site that they were committed to providing Human XXXX extension and installation. and she fell short.On Wednesday, XX/XX/2022 I contacted XXXX back to let them know that I had been defrauded and scammed by XXXX XXXX of XXXX XXXX. I paid for human XXXX extensions and install them only to find out they were not human hair XXXX extensions in addition to other concerns.XXXX said that there was nothing they could do and since this was paid via a third-party platform Zelle, XXXX recommended I contact Zelle to see if I could get my money back from them. I contacted Zelle and was told that there was nothing they could do. Before paying her via Zelle, I tried to pay this vendor via the XXXX XXXX, but it was declined several times, I reached back out to the merchant and she told me that the only other method of payment was via Zelle using her father 's account XXXX XXXX. I thought it was weird but wanted to get her paid. I transferred {$850.00} to his account with a {$100.00} deposit. A total of {$950.00}.
01/20/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • CA
  • 92128
Web
It all started sometime back in XX/XX/2013 when I was a loyal and good customer of 3 banks : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , & XXXX XXXX. I had my bank accounts at the three banks including my 3 checking accounts that this complaint is in reference to. On the same week in XX/XX/2013, a very small mistake was made at the 3 banks. At XXXX XXXX, unbeknownst to me, I had deposited an envelope into the ATM machine with insufficient funds. The same week, I had deposited a business check into my account at XXXX which later was returned as insufficient funds. The same happened at XXXX XXXX XXXX. Before I was able to return back to XXXX XXXX to resolve the issue, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX closed my bank accounts and reported me to Early Warning Services. I have resolved the issues with all 3 banks and paid them the amount I owed them. I also got statements from the banks stating that I have paid the accounts off and that they will notify Early Warning Services to remove the negative reporting. I also sent these letters to Early Warning Services as proof. Early Warning Services has now had me actively in their system for 5 years now. This has prevented me from opening any bank accounts even until today. I am still unable to open an account which has clearly affected my life drastically. I am a US citizen who was born in XXXX XXXX, CA, USA who has worked very hard, who is very honest, and who was once a very young and successful man before these incidents/reporting 's. Since Early Warning Services has kept this incorrect reporting of me even after I have paid the banks off and resolved my issue with them and provided them proof, my way of life has taken a turn for the worst. The inability to open any bank accounts and the negative reporting inside Early Warning Services database has led me to close all of my businesses, lose all of my business partners and investors trust and relationships, and has recently finally led to relying on the governments assistance to survive. I am now on XXXX and I have lost all of my credibility in my community. My XXXX XXXX has declined drastically, and I am suffering from serious XXXX. This is all due to the false reporting and unethical and immoral practice by Early Warning Services. There should be a new and improved FAIR system that determines accuracy of reports from banks to the reporting agencies and vice-versa.
04/05/2018 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • 10003
Web
This is related to claim # XXXX that I submitted against XXXX XXXX. I posted a bed on XXXX to sell for {$700.00}. This person contacted me via a XXXX email account and provided a cell phone number to contact them with : XXXX. The deal was that he was going to mail me a check, and I would cash the check. Once the check cleared, he would set up movers to come pick up the bed. He told me that I had to pay the movers for him, so the check he would be sending was for more money then how much the bed costed. I assumed that meant I would pay them in cash. He said he could not come see the bed in person because " he was at distance '' ( he spoke in broken english ). The check was sent using the USPS, tracking # XXXX. Sent from XXXX XXXX, at XXXX XXXX XXXX, XXXX, PA XXXX. It arrived on Monday XX/XX/XXXX. It was a cashiers check from the XXXX XXXX XXXX for {$2200.00}, and appeared to be real. I deposited it using my XXXX Mobile app, by taking a picture. XXXX then emailed me that night saying " my deposit had been accepted ''. The funds were made available immediately in my account, so obviously i assumed that meant it had cashed. Then, the person told me that to pay the movers, I had to wire the money to them using XXXX. He told me to wire {$1400.00} to XXXX. My bank, XXXX, uses XXXX for XXXX XXXX XXXX, so I trusted the service and used it. I wired the money and he told me that the movers would come pick up the bed that night. When the money did not arrive right away, he also told me to try wiring it to " XXXX XXXX '', at XXXX. The movers never came, the person stopped responding to me, and then XXXX put a " hold '' on my account for {$2200.00}. It turned out the check was a fraud, but it was too late, I had already wired {$1400.00} to that email address. When I reached out to XXXX to file a claim for fraud they told me there was nothing they could do because I was the one who deposited a fake check and I was the one who wired the money. It was the perfect scam. XXXX has zero consumer protections in place and doesn't even help you if you used it through your bank, they just refer you to your bank customer service. This article confirms that what happened to me has happened to countless others : XXXX XXXX XXXX XXXX/ Summary of evidence : 1. Phone Number : XXXX 2. Names : XXXX XXXX and XXXX XXXX 3. Emails : XXXX, XXXX 4. USPS Tracking # : XXXX 5. Bank : XXXX XXXX XXXX, XXXX, XXXX
03/31/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TX
  • 77303
Web
We were on springbreak vacation with our kids on XX/XX/XXXX of this year and we were trying to cancel our hotel reservation through XXXX because the hotel that we did our reservation didnt honor the XXXX price. My wife called XXXX 's customer service but got disconnected due to bad reception. A XXXX called and pretended to be " XXXX XXXX '' and told us he will help us with our cancellation. He sounded legit and know a lot like what a XXXX XXXX would do. XXXX said our hotel reservation cant be cancelled but he can upgrade our reservation so we can cancel it and we can get refunded. He told us to Zelle XXXX XXXX ( XXXX ) {$200.00} and he will refund us back. After a while he asked us to send him a screenshot multi media message with the Zelle that it was completed. Then he told us he forgot to tell us to put a reference # on the memo and if we can send him another {$200.00} with a reference # and he will Zelle us {$400.00} as our refund. Then after a while, he told us he miscalculated our refund to {$600.00} and send him another {$200.00} with a different reference # and he'll refund us the money right away. Then he made an excuse that the Zelle theyre sending to my account was not going through. That drew my suspicion that we are being scammed. XXXX XXXX told us that his XXXX told him that they have a limit of {$1300.00} before they can send us our refund and he was asking for more money. Thats the time that we stopped. We tried to contact the XXXX number and the scammer really answers as " XXXX XXXX XXXX and kept on telling us to send them more money so they can reimburse us. We tried to call XXXX XXXX and a lady answers and tells us he is unavailable but she eventually blocked us. We tried to message XXXX and request our money back but he declined our Zelle request. I contacted my bank ( XXXX XXXX ) and filed a dispute right away with the Zelle payment that I sent but according to my bank its being investigated until now. I also filed a report with Zelle about the scam on XX/XX/XXXX but I haven't heard anything from them. I feel like as time goes by, we won't be able to get my money back. We contacted XXXX about this scammers representing them and they dont have an definite answer to us but I was able to email their corporate to notify them about the scam. I also filed a complained with FTC, Tx Atty General and the FBI cybercriminal dept regarding this issue.
12/18/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • XXXXX
Web
ACH transactions from an account at XXXX XXXX ( {$900.00} on XX/XX/XXXX, {$1500.00} on XX/XX/XXXX, and {$900.00} on XX/XX/XXXX, that were direct deposit credits to XXXX account number ending in XXXX listed on the EWS report. XXXX 's records do not indicate that I have ever had a relationship with XXXX per CFPB-CASE # XXXX AND CFPB-CASE # XXXX. I dispute all unverifiable transactions contained in account ending XXXX and Summary File Disclosure, Consumer ID : XXXX prepared on XX/XX/XXXX by Early Warning summary disclosure. As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].
09/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem with product or service terms changing
  • FL
  • 34120
Web
On XX/XX/XXXX, I received two letters of denial from XXXX XXXX. Included are these two pictures. In the pictures below, you will see a legitimate police report on identity theft, an FTC ID Theft report, and two denial from XXXX XXXX stating that the incorrect information from my identity theft will still be published. My identity was stolen a couple years back and actually the deeper Im looking, it looks like it is much prior than I originally thought. XXXX XXXX XXXX ID XXXX, Dispute case ID XXXX and XXXX. XXXX and XXXX is blatantly punishing a victim of identity theft. XXXX and XXXX has failed to provide reason, or provide legitimate proof with any reason as to why they made a denial on my identity theft. This is done in bad faith and is a violation of the FCRA. XXXX and XXXX are mandated by law to keep accurate and up to date records all of which they have failed to do. XXXX has failed to provide legitimate actual documentation as to why they denied my claim. They also provide no steps to determine that the account information is accurate and up to date, two years later still being punished for identity theft. If they want a lawsuit, theyll get it. XXXX and XXXX have violated have violated FCRA section 607 compliance procedures and failed to furnish and keep an accurate report. XXXX XXXX bank and XXXX cant tell me my identity wasnt stolen, because it was. They also violated section 611 procedure in case of disputed accuracy, by mis treating inaccurate and unverifiable information, as they failed to send me proof, as the burden now rests upon them. They are also in violation of section 617 negligent noncompliance and are purposely keeping inaccurate records on my file that should not be there. They also violate section 623 by reporting information with known errors and submitting it as accurate. XXXX and XXXX now have the burden of proof to show why my claims got denied other than a boiler plate answer, that it was found verifiable without showing any known proven methods. There are more additional laws and causes of action that I will add if XXXX XXXX and XXXX continues to violate my rights. I am in good standing with all banks. Any decision that doesnt result in this will be fully disputed. Included is have I been pwned data on security breaches that further confirm identity theft from old emails. Legal : I have the right to amend this statement.
12/29/2021 Yes
  • Money transfer, virtual currency, or money service
  • Traveler's check or cashier's check
  • Fraud or scam
  • CA
  • 94116
Web
I was trying to sell a XXXX XXXX XXXX on XXXX for my mother. On XX/XX/21, the buyer XXXX XXXX said he would send me a cashiers check. He then texted me saying that his accountant accidentally included his daughter 's allowance in the check and if I could send the extra money to his daughter and for me to keep an extra {$50.00}. I was asking {$110.00} for the jacket. The check he sent was for {$900.00}. When I got the check on XX/XX/21, I asked how can I send his daughter the difference. On XX/XX/21, he sent his daughter 's XXXX account info as XXXX Name : XXXX XXXX. I sent {$740.00} to that account. The next day on XX/XX/21, he texted me saying that his daughter does not want the jacket anymore. He requested me to refund the rest of his money and for me to keep {$20.00}. He gave me another XXXXXXXX account XXXX Name : XXXX XXXX. I sent {$140.00} to that XXXX account. I talked to XXXX XXXX XXXXXXXX on XX/XX/21, and they told me that there was a hold on the check he sent me. I have reported this case to my local police department, XXXX, XXXX XXXX XXXX, and XXXX. Is there anything that can be done to escalate the case and recover my funds? Another case I'd like to report. Today on XX/XX/21, my mother wanted me to contact XXXX customer service to resolve some fraudulent activity from my account. She found the number for XXXX customer service from a XXXX search. The person on the phone said his name was XXXX XXXX and that he would help get my money back from some previous transfers. I just have to follow his instructions. He had me download an app called XXXX. I followed his instructions. Then, he told me to open the XXXX service on my XXXX XXXXXXXX XXXX app. He said he was going to freeze my XXXX account. He provided me a phone number XXXX. A name with that phone number popped up- XXXX Then he told me to enter XXXX on the next screen and to click continue. The next thing I know I am sending {$490.00} to this number. He said my account was frozen and that I had to follow these instructions for verification. Then he had me download a XXXX app and XXXX XXXX from the XXXX XXXX XXXX. Then he told me to go back to the XXXX account and repeat the process, but this time to enter XXXX. So the same thing happened again except this time I am sending {$490.00}. It sounded pretty fishy. So I later hanged up the phone. Is there any way I can get my money back?
08/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60637
Web
I called and asked Early Warning ( located XXXX XXXX XXXX XXXX XXXX, Arizona XXXX ) their phone number ( XXXX ) for a copy of my consumer report so I can see what was stopping me from opening up an bank account. They sent me an copy. I seen that 2 XXXX accounts were on there. 2 accounts that I was unaware of that were supposedly opened XXXX. So they told me that I can dispute it, so I did. XXXX XXXX, I went on and called the XXXX because they are who took over XXXX Bank. I called them to get more information or documentation to support my dispute. The bank had transferred me through 4 departments ( customer service, management team, XXXX collections, and the department that handle old/closed accounts ) trying to locate an account with my name, social, and the account number that is on my consumer report. Everyone I spoke to at XXXX then began to tell me that there was nothing in their system popping up with my information. The lady then said that the account number is too long and is not in their number format. She went on to telling me that Any XXXX Bank that wasn't active or was already closed before the conversion of XXXX taking over XXXX have been Closed and removed from their system. A lady then said to me an that she could not give me something that is not there. So at this point I continued with my dispute and mentioned how I called and talked to numerous of bank representatives and that they could not bring up the account on my consumer report. After XXXX week they removed one of the XXXX bank accounts. XX/XX/XXXX I got a letter in my email stating that they spoke to my furnisher bank ( XXXX XXXX Bank ) located ( XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX ). I looked up the Bank to give them a call for documentation and on XXXX it says this Location is permanently closed. and the number that is listed to call is NOW XXXX Bank who has no record of my social security number or the account number. So I am really baffled, on how they received any information from a bank that is no longer up and running. How is a bank confirming that the information is accurate of the date of XXXX XXXX and they're permanently closed. And XXXX can't even located me by my social security. A XXXX manager told me that once they had told early warning that they didn't have anything for me in their system, they were suppose to remove it off my report.
03/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • NY
  • 11427
Web
On XX/XX/XXXX I was reported for suspected fraud activity and my bank accounts in XXXX XXXX XXXXXXXX were closed. XXXX were joint accounts that my niece and I had opened in XXXX, which Im the primary signer. The third account is a separate savings account that I opened on my own in XXXX ; which was closed as well. Unfortunately my niece and I ended up being victims of fraud in XX/XX/XXXX. My niece was attempting to sell a vehicle she posted online and the person interested in buying was in XXXX at the moment, he said he was going to send the money using online transfer, but without our knowledge he went to an ATM and deposited XXXX checks into the savings account. The total amount deposited was {$24000.00} USD. As soon as the bank released the hold on the checks he contacted us because he said that he made a mistake and sent too much money. We returned a total of {$18000.00} USD, which was done by transfer in a branch of XXXX XXXX XXXX in XXXX XXXX, and also with Zelle. Shortly after the Bank contacted us by email stating that the account balance was at critical low risk, this was because the checks deposited into the account were fraudulent and they bounced. Then we began calling the bank, making claims and also reported to the police. XXXX XXXX XXXX took immediate actions by closing our accounts and reporting us to XXXX Consumer Reporting agencies, these are : XXXX XXXX and Early WarningXXXX I disputed with these agencies on XX/XX/XXXX and sent supporting documents, on XX/XX/XXXX I got a positive response from XXXX XXXX, they proceeded to clear and delete me from their records, but Early Warning didn't do the same, they said that the information was correct and would remain on their records. Now XXXX years later I requested an updated consumer report and noticed that the information still remained on the report, which is so disappointing because this is a negative situation that affects me. How can the bank and Early Warning accuse me for account fraud? I was a victim of a crime and have a police report that states so. The detective also forwarded the case to the FBI because he classified the crime as XXXX XXXX. I tried again to solve this situation with the agency but they say that I can't dispute again. So I really hope that this complaint I'm sending will help to clear my negative report from this agency ( Early Warning ).
09/11/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • 10027
Web
On XXXX XXXX, I downloaded this app called XXXX - lve been trying to look for an apartment to move by myself. On XX/XX/XXXX, I received an email from this guy name XXXX XXXX, his email is XXXX he seem to be an agent/broker gave me all the information about the apartment and details about rent and Pictures. We went back and forward discussing the amount of rent I would be paying and fees. On XX/XX/XXXX, He send me the application for the apartment and the lease form. It looked so real I actually believed everything he was saying and stating. Right after, he send does documents I asked if I could view the apartment in person with going more deeply in the process, he said that he couldnt because some was living and that their lease was ending last week of XXXX. And that as soon as the tenant leaves XXXX show me the unit. On that same Date, I completed the application, and signed the lease form. After he stated I couldnt see the apartment I had a gut feeling that I was being scammed because most agencies let you see the apartment first. But since he was really nice I ignored does red flags. The original rent he was asking was XXXX monthly, I asked if they could do XXXX. He told me he was going to ask management if they can approved it, which later on he said they agreed to the rent. After we agreed the monthly rent I had to send him a security deposit so i could be the first in line To get the apartment. He told me I could send it through Zelle or wire transaction. Zelle Details : Name : XXXX XXXX Email : XXXX After I send the security deposit, that we agreed on, and once received, he told me management didnt approved my application, because the rent was too low so they wanted a one time payment for XXXX so they could approve it, once this happened I knew I was getting scammed. So I asked if he could send me the money back, refund that I was no longer interested in the apartment, he kept giving me excuses that I just proceed with the payment. I kept declining, at this point i just wanted back my money. The following day he didnt answer my emails. So I texted him to send me back my refund and he just kept giving me excuses like yeah its being processed youll get it asap youll get it Monday and it was all a lie. Its XX/XX/2022. Hes not replying to my messages he blocked my phone number and everything.
01/04/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 91406
Web
On XX/XX/2021, I received a text message warning from XXXX XXXX stating that my card had been declined at XXXX and to type Y if this charge is correct and N if the charge was not authorized. I typed N and was immediately called by an agent. The person verified my name and phone number, which is linked to my online account at XXXX XXXX. The agent asked me to provide the credentials for my XXXX XXXX Zelle account to prevent unauthorized Zelle transfers. Once the agent verified my information, they initiated 7 Zelle transactions, each for {$500.00}. The reason the person gave me was to reverse fraudulent Zelle transactions. The agent took {$3500.00} from my account. Simultaneously, my husband received the same text but was in a different city. He did not respond, but called XXXX XXXX, who denied any fraud occurring on the account. Apparently the thieves knew our names, phone numbers and bank. My husband texted me while I was speaking to the imposter bank representative, who was also asking for my routing number, and I hung up the phone. I immediately called XXXX XXXX and spoke to a representative that started a claim for me and attempted to transfer me to the Fraud department, however the wait time was over an hour. Although I was willing to wait, the representative said he was embarrassed of the wait time and advised me to call the fraud department early the next morning with the phone number he provided. I spoke to the fraud department on XX/XX/2021 and the representative deemed the transaction authorized since the Zelle transfer had been sent to a XXXX Bank account with my name on that account. I have no association with the XXXX bank account and do not have a Zelle account with XXXX Bank. The thief was able to link my name and cell phone number to their account. The XXXX website states Please note, you can only change your email address/U.S. mobile number to another email address/U.S. mobile number already on file with XXXX. Your checking account linked to your Zelle profile can only be changed to another eligible checking account linked to your XXXX or XXXX XXXX profile. I do not have a XXXX checking account. I contacted XXXX fraud department on XX/XX/2021 to report this fraudulent transaction. The thief robbed me through an unauthorized transaction using my name and mobile number fraudulently on an account.
09/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 34120
Web
In the pictures below, you will see a legitimate police report on identity theft, an FTC ID Theft report, and a denial from XXXX XXXX XXXX XXXX stating that the incorrect information from my identity theft will still be published. My identity was stolen a couple years back and actually the deeper Im looking, it looks like it is much prior than I originally thought. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is blatantly punishing a victim of identity theft. XXXX XXXX XXXX XXXX has failed to provide reason, or provide legitimate proof with any reason as to why they made a denial on my identity theft. This is done in bad faith and is a violation of the FCRA. XXXX XXXX XXXX XXXX are mandated by law to keep accurate and up to date records all of which they have failed to do. XXXX XXXX XXXX XXXX has failed to provide legitimate actual documentation as to why they denied my claim. They also provide no steps to determine that the account information is accurate and up to date, two years later still being punished for identity theft. If they want a lawsuit, theyll get it. XXXX XXXX XXXX XXXX have violated have violated FCRA section 607 compliance procedures and failed to furnish and keep an accurate report. XXXX XXXX XXXX XXXX cant tell me my identity wasnt stolen, because it was. They also violated section 611 procedure in case of disputed accuracy, by mis treating inaccurate and unverifiable information, as they failed to send me proof, as the burden now rests upon them. They are also in violation of section 617 negligent noncompliance and are purposely keeping inaccurate records on my file that should not be there. They also violate section 623 by reporting information with known errors and submitting it as accurateXXXX XXXX XXXX XXXX XXXX now have the burden of proof to show why my claims got denied other than a boiler plate answer, that it was found verifiable without showing any known proven methods. There are more additional laws and causes of action that I will add if XXXX XXXX XXXX XXXXXXXX continues to violate my rights. I am in good standing with all banks. Any decision that doesnt result in this will be fully disputed. As it is not my fault for what happened. Immediately remove the information. Willful FCRA violations are intentional or reckless breaches of the Fair Credit Reporting Act.
08/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 64083
Web Servicemember
InXX/XX/2023, I became aware of a credit reporting agency called Early Warnings Services, that was monitoring my bank transactions. I never verbally consented to the use of this information. Per 15 U.S. Code 6801 ( a ) Privacy obligation policy ; It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX financial institutions that have not honored this obligation by releasing transaction history to XXXX XXXXXXXX XXXX XXXX According to 15 U.S. Code 6802 ( a ) Notice requirements ; Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. None of these companies informed me of my right to exercise the option for nondisclosure. In accordance with 15 U.S. Code 1681C ( a ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account information shared with Early Warning Services is an adverse item that is being reported without my permission. This constitutes a violation of the law. In Accordance with 15 U.S. Code 1681n - Civil liability for willful noncompliance ; In general, any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. In accordance with 12CFR 1016.7 ( h ) A consumer may exercise the right to opt out at any time. I am now opting out of reporting services from Early Warning Services. I am now opting out of any reporting services from XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX
03/20/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 75104
Web
Saturday XX/XX/2023 I was contact from XXXX from my aunt account. She told me that her account was not working ( Bank account ) and she needed to send some money urgently, so, she sent me a phone number to see if I could send her some money and she The told me she would paid the next day. She told me to make multiple transactions. I never called to the directed phone number. In That moment I was with some family and my aunt that was supposedly asking me for money, called the family I was with and told them to say that her account has been hacked and they were asking around for money the the family members The phone number that they sent over was under XXXX XXXX XXXX and it was XXXX When I realized what was going on I tried to called my bank. They never answered. I was desperate and did not what to do, so I called XXXX and they help me to contacted me with a police XXXX. In that moment I was in a XXXX XXXX eating in XXXX because I was in my way to Oklahoma with my uncle XXXX XXXX and aunt XXXX XXXX And granpa XXXX XXXX -the name of the aun that had her XXXX XXXX is XXXX XXXX Because of that reason, they kindly helped me to started a report for fraud ( incident number XXXX ), they send me a link to upload the proof, and I did It. However, a few minutes later, police officer called me backed to tell me that my report was not able to proceed because my address was not in XXXX I tried to called my bank 3 times and I was in hold for more that 50 min and they hung up on me 2 times The 3th time the helped me to start the report but they said the were not able to cancel the transaction because they did t have that access and who does has that access works just Monday through Friday XX/XX/2023 I started a police report with all the evidence that I have and the give me the number report. XXXX XX/XX/2023 I called my bank to the fraud department and told me my case was denied and closed because they tried to contact the bank that received the money that I sent and the account was closed and didnt have the founds on it ( i mean, thats they work! ) I tried to give me the number report from the police and they told me that because the close everything they were not able to get and they were no open to help me anymore They basically told me that I lost my money already I did a report with XXXX and FTC AS WELL
09/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48340
Web
I XXXX : XXXX am submitting this complaint by my hand, there are no third parties involved. I XXXX XXXX, living soul, grantee absolute, beneficial owner and original creditor to open ended credit plans was denied my right of credit by XXXX XXXX XXXX XXXX XXXX XXXX in whole or in part of information obtained by reporting agency and third-party interloper EARLY WARNING SERVICES LLC. I was notified of this transgression of my rights on XX/XX/2023, when I created an application to open an account online, but was notified that I already had one, in which I knew I did not. I then called a fiduciary agent to inquire about the matter, a fiduciary agent informed me that I had an XXXX account and that I was clear to open a new account. I then traveled to the nearest CHASE to open an account in which I was denied. I then called a second time to inquire why I was denied, this time I was given a number to give to the fiduciary agent at the next bank I went to so that they could assure the next fiduciary agent that I was ok to open an account, however when I applied to no avail, I was denied again for the second time. The fiduciary agent was nice enough to let me know that it was due to the nature of FRAUD in relation to a company named EARLY WARNING SERVICES LLC. EARLY WARNING SERVICES has traumatized and harmed me exponentially with the adverse actions taken against me. The denial of my rights has now incurred civil damages pursuant to 15 USC 1640 ( a ) ( 3 ) ( A ) ( iii ) et al and are up to ( {$5000.00} ) or more in restitution. EARLY WARNING SERVICES LLC is now liable to pay me for the damages. 1 Aggravated Identity Theft 2 Violation of The Privacy Act 3 Defamation 4 United Nations Declaration on The Rights of Indigenous Peoples 5 Universal Declaration of Human Rights 6 Violation of the Unfair, Deceptive, Abusive Acts or Practices 7 Violation of The Fair Credit Reporting Agency 8 Violation of the Equal Credit Opportunity Act _____________________________________________________________________ 1. Application ; see CFR Title 121002.2 ( f ). 2. Account ; see CFR Title 121002.2 ( a ). 3. Adverse action ; see CFR Title 121002.2 ( c ) ( 1 ) ( i ). 4. Transgression ; ( 1 ) To violate a command or law : SIN ( 2 ) To go beyond a boundary or limit. XXXX 5. Et al ; and others or and other people. XXXX
10/20/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NC
  • 28348
Web Servicemember
On XX/XX/2023, I called my bank to attempt a stop payment on XXXX new Zelle transactions. Unfortunately, I was a victim of scam while trying to purchase concert tickets, which resulted in a total loss of {$600.00}. Since this was my first time being scammed, I was not as educated as I am now on the tactics imposters use to pursue their victims. Even after providing screenshots of all events that took place, XXXX determined it was on me to resolve the issue with the receiving party. The problem is the person was a stranger that I met on a social media platform and they deleted their account shortly after funds were sent. Although I reported the matter immediately, XXXX was very slow to respond. During a re-review, a phone representative submitted the wrong details about the transactions I was disputing ; this scam involved multiple Zelle recipients/IDs and XXXX of the XXXX transactions I was disputing was not properly submitted for review. This was frustrating for me because I spent so much time on the phone providing exact details and waited days for the banks decision just to find out the phone representative did not take the time to gather the correct information. This resulted in a delay in me receiving the document I actually needed and I still have not received the document for the correct transaction. This information is useful because it provides an in depth description of payment details and activity for each transaction. Ive always considered Zelle to be a safe and easy way to send money, especially since I access using my XXXX mobile app. During this payment scenario, I was not alerted with any prominent, overt language nor attention-grabbing tittles warning me that this could be a scam. I do recall the standardized scam education page that users see just before sending money, but honestly since Ive always used Zelle for legitimate purposes, I thought nothing of it. When the scammer instructed me to send money to recipient XXXX XXXX, token XXXX, I received the following message from XXXX : Were concerned about this payment. It has been declined. What was different about this recipient ID that XXXX was able to better detect the scam than the other recipients where I was able to successfully send funds to? What can be done to allow XXXX to detect all scams and not just some?
09/28/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • CA
  • 90250
Web Older American
I am having a problem with {$250.00} that I sent to a friend on XX/XX/, to pay for some products he picked up for me from XXXX XXXX. I sent the money through my XXXX checking account using Zelle, which I have done many times before, and he has never received the money into his bank account and it's been almost a month now. I put in a claim with XXXX and they said because the telephone number used was correct for the correct person and the money went out of my account there was nothing that they could do for me. My friend has an account with XXXX XXXX XXXX. I was directed to call Zelle on XXXX which I did but they won't help they directed me back to XXXX on the call. After that call to the Zelle number and being transferred back to XXXX, I have tried numerous times to call Zelle back at same number to no avail. They only give automated instructions to call my bank. I can not believe that {$250.00} is just floating around out there somewhere and Zelle won't even looking up to see that the transaction came to them and that they transferred it to the XXXX XXXX XXXX account. I am a senior and I don't have money to just loose. Please give me some direction. I will of course never use Zelle again, I'm going back to writing checks or paying with cash only. Zelle is not to be trusted. so many cheating people and businesses out there. Shame on them. I sent them an email from their website and here 's what I received back. Hello, Thank you for reaching out to us. When you are enrolled with Zelle at your financial institution : When using Zelle within your financial institutions mobile app or online banking service, your bank or credit union will assist you with any issues you may be experiencing. For further assistance, please reach out directly to your financial institution at the number on the back of your debit card. If you are using the Zelle app or need assistance with enrollment : Call us at XXXX for immediate assistance with enrollment or payment questions regarding the Zelle app. We are open 7 days a week from XXXX to XXXX ET, excluding XXXX, XXXX XXXX and XXXX XXXX XXXX. Regards, Zelle Support Have more questions? Check out these FAQs. Thank you for hearing me XXXX XXXX XXXX ( XXXX ) XXXX This is the day that the Lord has made, let us be glad and rejoice in it.
06/04/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 33603
Web
On XX/XX/XXXX i had been search multiple sites to rent a house. One of the websites was XXXX XXXX XXXX which they gave me the code to enter the house located at XXXX XXXX XXXX XXXX, FL XXXX . I was able to go to the house, enter the code on the padlock so was able to view it without supervision. Shortly after I receive a call on my cell from XXXX XXXX who introduced himself as the owner of the property and had contracted this company to list his home for him. He stressed the fact he was out of town on business and since he was to able to be here, he contracted the company to help him rent the house. We then basically did an interview over the phone he was asking me about myself, my family, what i do for work, etc. I started to feel comfortable with him as he even prayed and got religious with me. He said he would help a single mother out by waiving the application fee, since my need to find a roof for my family was urgent, he would just have his attorney send me the lease, i would review it and sign it and send it back. Everything looked to be legit. He told me so he can get the water and electricity on for me right away, since there was alot of applicant 's looking at the house to send him the {$900.00} deposit. We used Zelle which I was not doutful becuase it was being done through my bank so silly me i get his Zelle info, and send the deposit. Then he asked me to send the first month 's rent as well later that day. So i sent only {$500.00} and the other {$400.00} i told him would do the next day which was XX/XX/XXXX after i went by the house and say the electricity was on. So i go by and i see there was, so i sent him the other amount for a total of {$1800.00}. Sow move in day comes and he doesn't answer his phone so I start to panic starting to believe i was scammed. He finally that evening told me since i disrespected him by leaving those messages he was not going to rent the home to me and would refund all my money. I dont get the refund, so i decided to file a claim through my bank. Which XXXX denyed becuase i authorized the transaction 's. KNOW, here I'am out of {$1800.00} and nobody can do nothing. I have tried to file police report, but they wouldn't help me, my bank wont help me, i dont know what else i can do. I'am happy to provide any addtl neccessary.
10/25/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 960XX
Web
On or about XX/XX/XXXX, a fraudulent transaction from a Schools XXXX XXXX is initiated ( the account is my son in laws ). The quantity is XXXX. This money is sent through ( to ) the number XXXX ( my number ). Apparently, this number was ported over from XXXX XXXXXXXX, to XXXX XXXX XXXX on XX/XX/XXXX. I was not aware of this transaction and had no part of it or any subsequent transactions that may occur. We contacted zell on that same day and they were unable to provide any assistance, we contacted wells fargo and they were also unable to provide any assistance because they did not have the number registered. We also spoke to chase and we confirmed that the number was under their zell until the aforementioned date. Finally, we spoke to schools first and they informed me that we could rip the number back from wherever it was located and that would leave a history. That information confirmed it was being housed in wells fargo. That token history exists but the representative at schools first refused to provide me this information because it was internal. As the owner of this phone # and, being unaware to any zell registration to XXXX XXXX XXXX, it is my responsibility to get the information. The thing is, this information is vital to document and reach out to XXXX XXXXXXXX and demostrare to them the account activities did exist. It confuses be because XXXX XXXX owns XXXX through the early warning systems LLC. If you ask me it feels to the consumer that the ball is tossed from one court to the other and no one can give an answer. But the consumer looses the money. The banks seem to restrict information that is vital to following the money and the transactions. XXXX needs to stop washing their hands with ignorance and put a tighter lock on their transactions and be held responsible for the money they handle. They are essentially a transient bank and should have better consumer protection mechanisms like locking down transactions and a universal transaction number so that when a concerned consumer calls, they can immediately take action. Instead this partnering with other banks makes it so that they can only respond to the APP transactions but not the bank transactions. This methodology invites fraud and scams and makes it imposible for the consumer to be protected.
07/27/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • XXXXX
Web
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX XXXX To whom this may concern, I am writing to express my ongoing concerns regarding disputed information that XXXX XXXX has submitted to all three major credit bureaus ( XXXX, XXXX, XXXX ), Early Warning, and potentially other credit reporting agencies. In the past, I have disputed and requested " verification of debt/records '' from XXXX XXXX and credit reporting agencies but have not received an appropriate response that abides by the obligations set forth in Federal and State consumer protection laws. The subject of this dispute is an account similar characteristics that appear to be as follows : ABA # : XXXX Account # : XXXX As you should have documented, I have requested " verification of debt/records '' on this account as well as disputed the XXXX XXXX 's actions of reporting information and transferring accounts to others. Unfortunately, I have not received an satisfactory response and it appears as though XXXX XXXX has ignored my requests - and violated consumer protection laws. To help resolve the situation, I am requesting that XXXX XXXX provide me with : 1. ) A full verification of debt/records, which shall include, at a minimum : A. ) The original contract with signature card. ( Ensure the account contract version and signature card version match ) ; B. ) Full account statements for the length of the account ; C. ) Records pertaining to any and all submission of accounts, records, transfers, or debts, to credit reporting agencies ; and D. ) All documents, records, and actions that XXXX XXXX has taken when responding to disputes and requests for re-investigation, both directly and through credit reporting agencies ; 2. ) Details about the status of the associated accounts and whether or not they have been transferred to third parties for management or collection ; 3. ) A summary of the communications XXXX XXXX has attempted ( if any ) when responding ( or not responding ) to my previously submitted concerns ; 4. ) An explanation as to my rights as a consumer and why it has taken XXXX XXXX many months if not years to respond to simple letters and requests. Nothing contained herein is or shall be construed as a waiver or any rights or remedies, all of which have been expressively reserved.
12/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • WA
  • 98373
Web
I was contacted on XX/XX/2021 in private number. They stated they were a XXXX XXXX representative inquiring about me opening an account and then also letting me know that they're going to shut the account down because of a company called early warning systems who continuously provides negative inaccurate information about me. Number two I have opted out of all shared information partnerships. I was told that early warning systems has provided a negative report against me to XXXX XXXX XXXX and XXXX XXXX. This is unacceptable this is a violation of my rights and privacy and illegal I currently have an open XXXX XXXX account. They're going to shut it down because of information that were early warning systems continue to give. I have called early warning systems as early as My at 2021 and as recent as XX/XX/2021. I have been required to make an account just to get a credit report and I'm still waiting for the credit report from when I requested it back in XXXX. The three credit reporting agencies XXXX XXXX and XXXX none of them have any Bank on my credit file. The only two items on any of my credit reportings are for XXXX and XXXX XXXX. Early warning has gone and caused so much that I can't get a bank account anywhere I can't get a stick of bubblegum financed any bank accounts that I have set up are all shut down any Financial activity I try to do to repair or fix anything that will early warning signs is done is denied because of the size of the fraudulent risk on my account presumably because of early warning. Please urge or require them to remove all account knowledge base activity from their system they're not authorized nor did I ever give them authorization finally they're not a credit agency they are a shared consumer reporting group which I did not authorize. Furthermore more than once I have tried to dispute any transactions with early warning and again although they have never given me a report they require in order to dispute a transaction I report must be delivered yet they don't give me the report. Again this has been going on since XXXX of 2021 it is well past the 30 days that's allotted by the government for them to remove any disputes or negative items against my credit that they can not prove please urge them to do so. Please help!
09/14/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 90046
Web
XXXX XXXX BILLING AND TRANSACTIONAL CONTRADICTIONS : AS NOTED BY CONSENT ORDERS WITH CFPB UNFAIR DECEPTIVE ACTS OR PRACTICES POLICY FILE NO XXXX AND FILE NO XXXX A XXXX BALANCE ACCOUNT : XX/XX/XXXX XXXX XXXX STATEMENT XX/XX/XXXX THRU XX/XX/XXXX, BALANCE {$0.00} TRANSACTION ON XX/XX/XXXX XXXX XXXX XXXX CHARGE OFF XX/XX/XXXX XXXX XXXX BRANCH BALANCE INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX, BRANCH XXXX XXXX BALANCE INQUIRY AT XXXX XXXX BRANCH ACCOUNT NUMBER ENDING XXXX BALANCE {$0.00} WITH RECEIPT A {$39.00} BALANCE ACCOUNT : XX/XX/XXXX LETTER FROM XXXX XXXX THERE IS A BALANCE DUE PAID CERTIFIED MAIL XX/XX/XXXX, BALANCE WAS XXXX. WE STILL HAVENT RECEIVED PAYMENT FOR YOUR PAST DUE BALANCE OF {$39.00} PLEASE SEND US YOUR PAYMENT AS SOON AS POSSIBLE. FIRST AND ONLY LETTER RECEIVED CONCERNING A BALANCE? 45 DAYS LATER YOU RECEIVE A BILL FOR THE CHARGE OFF AS IT IS NOW A BALANCE ON A CLOSED ACCOUNT. THE ACCOUNT IS CLOSED. XXXX REOPENS THE ACCOUNT TO ADD OR CREATE A BALANCE AND THEN BILL IT AS DELINQUENT OR NEGATIVE CREDIT REPORTING? HOW OR WHY WOULD, THAT HAPPEN? CREDIT REPORTING CONTRADICTIONS : 4 XXXX LETTERS REGARDING XXXX XXXX XXXX REPORTING AND IT STILL IS NOT REMOVED, HOW LONG DOES IT TAKE FOR XXXX WHO HAS A BUSINESS RELATIONSHIP WITH EWS TO SEND A DIGITAL TRANSMISSION TO REMOVE THE REPORTING THAT YOU FURNISHED? IT DOES NOT TAKE 30 DAYS AND IT DEFINITELY DOES NOT TAKE 7 MONTHS PLUS. XXXX TAKES ADVERSE ACTION WITHOUT INFORMING THE INDIVIDUAL THAT YOU DID REPORT IT TO EWS AND YOU REPORT INFORMATION THAT YOU CAN NOT VALIDATE? EWS IS SPECIFICALLY FOR FRAUDULENTLY CLOSED ACCOUNTS OR ACCOUNTS CLOSED WITH A BALANCE IN COLLECTIONS ONLY. XXXX STATES IN YOUR LETTERS WE ASKED EWS TO REMOVE YOUR NEGATIVE ACCOUNT STATUS YOU MAY CONTACT EARLY WARNING SERVICES TO DISCUSS THE REMOVAL OF THE NEGATIVE REPORTING XXXX STATES IN YOUR LETTERS THERE IS AN ACCOUNT CLOSURE CLOSED REPORTED TO THE EARLY WARNING SERVICES ( EWS ) WE HAVE SENT A REQUEST TO REMOVE THIS STATUS AS WE ARE UNABLE TO VALIDATE THE ACCURACY OF THE REPORTING YOU REPORTED, YOU ASSUME RESPONSIBILITY TO REMOVE IT, YOU ASSUME RESPONSIBILITY TO CONFIRM IT HAS BEEN REMOVED IN WRITING TO THE INDIVIDUAL. XX/XX/XXXX XXXX LETTER XX/XX/XXXX XXXX LETTER XX/XX/XXXX XXXX LETTER XX/XX/XXXX XXXX LETTER
10/19/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • VA
  • 20176
Web
On XX/XX/XXXX I did an internet search for a used XXXX XXXX Fusion engine, a short while after, I received a phone call from XXXX XXXX ( XXXX ) who offered to sell me a used XXXX XXXX Fusion Engine with XXXX miles for {$1800.00}. After performing some research, I visited the company 's website performanceautosalvage.us, and decided to purchase the engine, after exchanging several emails with XXXX, he said his company does not accept credit cards, only Zelle. I eventually sent the Zelle payment as he instructed : Payment was sent to XXXX XXXX XXXX XXXX : XXXX for {$1800.00}. After several weeks of calling, they kept hanging up the calls. I filed a complaint with the Illinois Attorney General and made several complaints through my bank ( XXXX XXXX XXXX XXXX XXXX ) to Zelle, but have received no response. Here is the Zelle instruction from XXXX 's email : PAYMENT EMAIL ASSOCIATED WITH ZELLE ACCOUNT XXXX The part will be inspected and delivered to you. Once the part is shipped out we will email the tracking number If you receive a damaged part or an incorrect part please notify our customer service department. Returning the part is the responsibility of the customer and XXXX XXXX XXXX must be provided with a return tracking number when the item is returned. The item must be returned within XXXX business days of the receipt of the XXXX. The return address will be provided at the time we are contacted. Parts must be returned to the location address provided upon receiving XXXX. Once the item is returned it will be inspected and upon approval a credit request will be forwarded to accounting. Customer refunds are issued within XXXX business days once the returned part has been verified and inspected. PART DETAILS : TESTED GREAT LOW MILES READY TO SHIP CLEAN RAN AND TESTED, FREE DELIVERY WARRANTY AVAILABLE COMPLETE ASSEMBLY READY TO INSTALL CERTIFIED AND INSPECTED PRICE & POLICY :. TOTAL > {$1800.00} DELIVERED WE DO HAVE RETURN AND REPLACEMENT POLICY AND WE DON'T CHARGE FOR THAT IF ANYTHING GOES WRONG WHILE SHIPPING OR YOU GET THE WRONG PART WILL MAKE SURE EITHER WE GET YOU OTHER PART OR REFUND THE MONEY. Thank you for considering our services. We look forward to hearing back from you soon. Best regards, PERFORMANCE AUTO SALVAGE Direct Number XXXX
09/22/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NY
  • 10001
Web
Hi. I was scammed for {$800.00} through a XXXX XXXX transaction via Zelle on Tuesday, XX/XX/20. I am selling a couch for {$600.00} on XXXX XXXX. Someone wanted to purchase it immediately for {$700.00} and offered to pay via Zelle. I agreed, gave her my Zelle email and I got an email from Zelle saying XXXX XXXX ( the buyer ) sent me {$700.00}, but she sent it to me via a business account and in order to obtain my money, I needed {$1000.00} in my account to fully activate it - so XXXX would have to send me another {$300.00}. XXXX agreed via XXXX XXXX as long as I paid her back immediately, so I got an email a few minutes later from Zelle saying she sent me {$300.00}. I then sent XXXX back {$300.00} via Zelle and got an email saying my account was validated and I would be paid immediately. I then got another email saying that XXXX accidentally sent me {$500.00} so they could not clear my account and that I would have to pay Zelle {$500.00} to pay her back before they could send me my money. So I sent another {$500.00}. At that point, I was out {$800.00} and sent an email asking when I would get my {$1500.00} paid ( {$700.00} for the couch plus the {$800.00} I was owed ). They responded right away stating another problem and that I had to pay another {$500.00}. At that point, I realized I was being scammed. I submitted a claim with XXXX XXXX XXXXXXXX and Zelle, but I haven't heard back from either yet on the status of my claim. From what I've understood from the bank, they are refusing to cover the {$800.00} since I sent the money voluntarily. However, I was tricked into doing this and it was a clear scam- it's no different if my credit card got hacked for {$800.00} and the bank had to cover it. I've been a XXXX XXXX XXXX XXXX for XXXX years and have tens of thousands of dollars with them, so it's disappointing to hear that they are not supporting me. Zelle has also been very unhelpful. I've spent hours on the phone with them trying to get someone to speak to me. It's too easy to get scammed on their platform and they don't seem to care or do anything about it. It's been 48 hours since I submitted my claim on Tuesday, XX/XX/20 and I still haven't heard anything back. The scammer has probably cancelled the account by now and just has my {$800.00}.
08/27/2022 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • WA
  • 98226
Web
On XX/XX/2022, I was scammed on XXXX XXXX by someone who responded to an item I had posted for sale. The buyer claimed she was interested in purchasing my item, and asked if I would accept Zelle for payment. I had used Zelle via XXXX XXXX in the past and thought it was safe way to send and receive money. In my correspondence with this buyer, she claimed that she was unable to send me funds because my Zelle account was not considered a business account. She asked me to check my email, where I found a message from who I believed to be Zelle customer service stating that in order to receive my {$250.00} payment from the buyer, I first needed to " verify '' my account as a business account, and that I needed to send a {$500.00} transfer to the buyer, which was going to immediately and automatically be sent back to me along with the {$250.00} my item was listed for. My understanding was that this was to provide proof of adequate funds. Believing this email to indeed be from Zelle, I completed the transaction, not knowing I had been scammed and that I hadn't received the {$250.00} payment ( this was a fake confirmation email ), but that I had sent {$500.00} to the scammer. What clued me in to the fact that this was a scam was another email requesting a second transfer due to not being able to process my " verification '' as a Zelle business account. I immediately contacted XXXX XXXX to request an interception of this transaction ( case # XXXX ). I was told by the XXXX XXXX agent that she could not intercept the payment, but that she would file a claim to request that Zelle investigate it. I also attempted to contact Zelle directly, but was told to contact my bank. I saw that my payment to the scammer was pending for several days, and I thought that was because XXXX XXXX had held it because of my call, but was dismayed to see that it was processed XXXX days later. On XX/XX/2022 I contacted XXXX XXXX again because I had not received any follow up ( case # XXXX ), and was told that there was nothing they could do to help me and that it was not possible to receive my funds back. I am writing to request that CFPB intervene on my behalf to have my funds returned to me and investigate and prosecute as necessary the perpetrators behind this financial scam.
10/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33138
Web
Early Warning Services is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, for unlawfully obtaining my consumer file without my authorization or permissible purpose under the FCRA. SEE 15 U.S. Code 1681 ( b ). Specifically, the FCRA provides, A person shall not use or obtain a consumer report for any purposes unless - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified inaccordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S. Code 1681b ( f ). Chester v. Purvis 260F. Supp. 2d 711 ( SD Ind. 2003 ). 15 US Code 1681b Permissible Permissions of consumer reports states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 1 ) in response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal Grand jury, or subpoena issued in according to section 5318 of title 31 or section 3486 of title 18, ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I have not initiated any transaction with Early Warning Services Further, I do not have an account as defined under 15 U.S.C 1693a ( 2 ) with Early Warning Services for review or collection, not have I given any express permission to report any accounts I deem to be impacting me negatively/damaging my consumer reputation. Furthermore, under the FCRA. Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C 1681q. I and demanding the following accounts be removed effective immediately from my early warning reports. Any and all accounts associated with XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX need to be removed from my repairers as I have not consented to any reporting on these accounts nor has early warning conducted any proper investigation or administrative process to confirm these reports are accurate.
10/19/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33193
Web
I opened an online savings account with XXXX XXXX ( a part of XXXX XXXX ) on XX/XX/23. They approved the account right away and prompted me to deposit the money. I had to wait for them to approve my husband as a joint account holder, and it took them 11 days to do so. Nobody ever questioned our identity at any point during that process. Once he was approved, we sent them the money from another bank. Right away, they froze our online access and would not even give me the reason why. I continuously tried to find out when I would be able to access our account, especially considering that I could not even see if our transfer went through. They denied me access and would not disclose their reasons for blocking me from my online account or give me a timeframe when I could gain access to my own money. In the meantime, I did some research on this bank and found hundreds of complaints about this shady practice that followed the exact same scenario. This bank would arrest their customers funds for weeks or even months at a time. Right away, I demanded, via chat with the bank, that my account be closed and our money returned to us. The chat transcript that I saved clearly shows that I was the one closing this account even before there was any money in it. They did close my account but sent me a letter saying that it was their initiative, and they reported negative information to the consumer reporting agencies. I was not worried at the time since I did nothing wrong and was not expecting this bank to report anything of that sort. As I just found out, when applying for a checking account with a different bank, and was denied, that apparently, XXXX XXXX reported identity fraud, which is an outright lie as it has never happened. They never even tried to verify my or my husbands identity. This reporting is outrageous, and damaging, and seems to be done with malicious intent to damage my record. The only fraud there was their own when they XXXX our money under the pretense of " reviewing '' the account, for some reason even their representatives could not explain. This banks shady practice should not be permitted as they trick their customers into giving them money, and right after the transfer, they block online access to that money.
03/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 29223
Web
I, XXXX XXXX XXXX opened a dispute with XXXX XXXX XXXX on XX/XX/2022. I advised them the information they have is not only inaccurate and unverifiable, I also made them aware I do not give them consent to have any of my information at all. EARLY WARNING SERVICES display person information which includes experiences and personal transactions. Some of which are completely incorrect. All of this is violating me pursuant to 15 USC 1681a ( d ) ( 2 ) Which states the exclusions to a Consumer report. Even after a written instruction of the violations they are committing against me without my consent, they continue to fraudulently report defaming information on my consumer report. I requested EARLY WARNING SERVICES to investigate the information that was being furnished to them by BANK XXXX XXXX, They did not provide me with any verifying documents to validate their data, in fact they sent me a letter stating " We do not have the documents to verify these accounts, please contact the bank '' I called them several times on XX/XX/XXXX, XXXX, XXXX and XXXX of 2022. Asking them to tell me how they verified documents they do not have. EARLY WARNING SERVICES then informed me they did not have access to the documents from the furnisher BANK XXXX XXXX. This makes no sense and is a complete violation. I have been defamed and denied multiple checking and credit accounts because of the information they report without my consent. I then requested an Re investigation procedure description from EARLY WARNING SERVICES pursuant to 15 USC 1681i ( 6 ) ( B ) ( iii ) and they told me on the phone XX/XX/2022 " we do not give you that information because it is our policy '' Which is a violation and fraud. After sending them a written request for this information on XX/XX/2022 via fax and certified mail return receipt. They sent me a response stating " upon review, it has been determined that your dispute does not offer any new or additional information '' EARLY WARNING SERVICES continue to report my information without properly investigating the information furnished to them, they continue to publish inaccurate and personal information about me without my written consent. They continue to ignore FCRA guidelines and damage me everyday they do this.
06/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 43110
Web
I have been notifying Early Warning Services since last year that I am victim of identity theft. I have sent numerous of disputes, Ive contacted the Federal Trade Commission and created multiple reports outlining the details of the identity theft and fraud pertaining to the XXXX account information being reported on my consumer report. I have provided multiple police reports explaining how I am a victim of identity theft. I have provided these same documents to XXXXXXXX XXXX. Regions responded to my CFPB complaint on XX/XX/2023 that they have investigated that I am a victim of potential fraud, which I have attached to this complaint. Early Warning has sent me several letters ensuring me that this informs has been blocked and deleted, which I have also attached to this letter. On XX/XX/2023 I received a email stating that they have reinserted the XXXX account to my consumer report!! WHY???? Early Warning keeps persistently violating my rights as a consumer pursuant to the FCRA. Ive taken every step to recover from this horrible financial difficulty. Early Warning is making my life even more difficult by being unfair and unjust by not following the proper protocols of the law. Early Warning services has a duty to uphold to ensure my information is accurate and complete pursuant to 15 U.S Code 1681c-2. Early Warning has not provided me with any proof that this information should be reinserted. Regions responded that I am a victim of fraud so why did Early Warning Services reinsert Regions account. Early Warning has not sent any updated consumer reports reflecting their decisions. I am in the process of starting legal processes which will result to small claims action against your company for your willful noncompliance to correct this issue and Early Warning will be held liable! I will be seeking {$5000.00} in damages for XXXX. ) Defamation, XXXX. ) Negligent Enablement of Identity theft and XXXX. ) Violation of the Fair Credit Reporting Act! I have accounts that have been frozen and closed due to your company being non compliant. I have been in touch with my attorney general for help with this because Im not getting any help from a company who states that they comply with the provisions of the Fair Credit Reporting Act.
10/24/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 94565
Web
On XX/XX/2022, I wanted to purchase a puppy online via XXXX XXXX XXXX XXXX XXXX XXXX. After I inquired, I received a text message saying that the puppy was ready to get shipped that day and all I needed to do was to send payment to this Zelle account, which included the price of the puppy and the shipping cost. I then received through email a contract to sign. It looked suspicious since the breed of the dog on the contract was misspelled. Afterwards, I got an email saying that I needed to pay the shipping company and extra charge. Two options were available but the first one was cheaper ( {$1600.00} and 98 % return when the puppy arrives ). I didn't understand why I needed to pay extra so I ignored it. After a few hours, I received a call from the " agent '' that was with that shipping company. I asked him why I needed to do that since I already payed for shipping. He kept on insisting ( with a distorted voice over the phone ) that I need to pay asap through Zelle so he could ship it asap. I kept on arguing with him and I asked what will happen if I do not pay today since it was a lot of money all of a sudden. He said that it will go to a shelter and that I will be charged with abandonment. At this point I tried to get a hold of the person who owned the puppy but he kept on refusing to pick up but wanted to only text since he was at a " doctor 's appointment ''. Finally after trying a few times, he called back and I immediately knew this person was a scam because his voice was distorted. After that call, I called my bank to try to put in a fraud claim to retrieve back the money I initially paid. After some time, the claim went through and said that I would receive a call during the afternoon in the next few business days. It is now XX/XX/XXXX. I called back my bank to check on the status of my claim and they said that my claim was cleared and that they could do nothing about it. Their reasoning is because I willingly authorized my first Zelle payment and there's nothing they could do. I even asked for the name of the bank that the person was using and they couldn't even tell me that because they are not authorized to. Basically, they said I was at a loss and there's no solution that could be reached. Please help.
05/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 611XX
Web
REQUEST LETTER TO REMOVE INACCURATE INFORMATION NOT VERIFY ADDRESS ALL ACCOUNTS WERE OPEN FRAUDULENT YOU ARE BEING PUT ON NOTICE TO WHOM MAY CONCERN Please accept this formal letter as my request to investigate and remove derogatory accounts/ items from my consumer report. Going over my report I have found it has errors it has come to my attention that you are reporting what I believe inaccurate data which I dispute in this letter is a appeal for your assistance as a consumer reporting agency 15 U.S.C 1681 a ( f ) you are governed by the fair reporting act ( FCRA ) 15 USC 1681, et seq..which protects consumers from inaccurate outdated or invalidated information reporting of their consumer file The FCRA states its the consumer reporting Agency responsibility to insure that all information contained within consumer files is accurate and free from errors your company is regularly engaged in the business of assembling evaluating and disbursing information concerning consumers for the purpose of furnishing consumer reports as defined in 15 USC 1681 a ( d ) to third parties According to federal law you are required to comply with the requirements under FCRA 15 USC 1681 et seq..including but not limited to 1. Follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report as required by 15 USC 1681a ( b ) this section imposes a high and often disregarded standard on consumer reporting agencies see, e.g., XXXX XXXX XXXX info sols., ink., XXXX WL1085874 at *4 ( XXXX XXXX XXXX XXXX Breaking down the requirements of 1681 e ( b ). And explaining that assure mean to make sure of certain : put beyond doubt maximum means the greats in quantity or highest degree attainable and possible means something falling within the Bounds of what may be done accur or be conceived quoting Websters third new international dictionary 133. 1396,1771 ( 1993 ) ) : 2. Comply with the investigation requirements are required by 15 USC 1681 3. Should not provide consumer file to companies without determining that these companies had a permissible purpose to abstain consumer file pursuant to 15 USC 1681b 4. Provide consumer file pursuant to 15 USC 1681g 5. et seq.. Account XXXX XXXX XXXX - account # XXXX
10/11/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 95660
Web
My family just recently lost my grandmother and its taken a toll on my family, my brother and I were in hopes of adopting a dog for her. We were working with this adoption group on XXXX, they helped us find a puppy and were walking us through the process. Puppy would be transported to us, and we sent the first half of money which was {$450.00} then after getting a confirmation email, we sent the second half, {$400.00}. This was the agreement we agreed on as we were trying to make sure it wasnt a scam. It turned out to be that the transportation website they used for confirmation email is fake, but I had not figured this out until after everything went down. When I went to follow up on puppy aftercare instructions after we got confirmation email as we waited for puppies arrival, they blocked me on XXXX so that I could no longer contact them. This was the moment I found out this was a scam. I had messaged other previous buyers prior to sending over payment and they all had amazing reviews on the admin. Once I realized I was scammed, these multiple accounts had me blocked as well. Assuming they were all ran by the same person, they mustve been logging into these accounts and acting as other people. Once I found out and accepted I had been scammed, I did my research, come to find out multiple individuals have been scammed by the same XXXX. They lost a bunch of money as well, and they are trying their hardest to make everyone aware of this scam XXXX by posting all over social media. This upsets me as we should all be getting the help. This is really upsetting for me because my brother and I were just trying to do something nice for our mother. I do not work a full time job, as I am only a part time barista making coffee. This was money coming out of my own pocket and unfortunately got taken. If there is anyway you guys could help me and maybe even stop any further scams with these people I would appreciate it so much. I had contacted my bank and they can not help me receive my money back as I hoped for, but XXXX in high hopes we can get this scam and fraud to stop. I have messages and proof of everything with the XXXX, pls contact me if you would like more in depth proof as they have person information in them
05/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 611XX
Web
REQUEST LETTER TO REMOVE INACCURATE INFORMATION NOT VERIFY ADDRESS ALL ACCOUNTS WERE OPEN FRAUDULENT YOU ARE BEING PUT ON NOTICE TO WHOM MAY CONCERN Please accept this formal letter as my request to investigate and remove derogatory accounts/ items from my consumer report. Going over my report I have found it has errors it has come to my attention that you are reporting what I believe inaccurate data which I dispute in this letter is a appeal for your assistance as a consumer reporting agency 15 U.S.C 1681 a ( f ) you are governed by the fair reporting act ( FCRA ) 15 USC 1681, et seq..which protects consumers from inaccurate outdated or invalidated information reporting of their consumer file The FCRA states its the consumer reporting Agency responsibility to insure that all information contained within consumer files is accurate and free from errors your company is regularly engaged in the business of assembling evaluating and disbursing information concerning consumers for the purpose of furnishing consumer reports as defined in 15 USC 1681 a ( d ) to third parties According to federal law you are required to comply with the requirements under FCRA 15 USC 1681 et seq..including but not limited to 1. Follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report as required by 15 USC 1681a ( b ) this section imposes a high and often disregarded standard on consumer reporting agencies see, e.g., Burke V. XXXX info sols., ink., XXXX WL1085874 at *4 ( E.D Va XXXX ) Breaking down the requirements of 1681 e ( b ). And explaining that assure mean to make sure of certain : put beyond doubt maximum means the greats in quantity or highest degree attainable and possible means something falling within the Bounds of what may be done accur or be conceived quoting XXXX third new international dictionary 133. 1396,1771 ( XXXX ) ) : 2. Comply with the investigation requirements are required by 15 USC 1681 3. Should not provide consumer file to companies without determining that these companies had a permissible purpose to abstain consumer file pursuant to 15 USC 1681b 4. Provide consumer file pursuant to 15 USC 1681g 5. et seq.. XXXX XXXXXXXX XXXX XXXX XXXX- account # XXXX
11/18/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CT
  • XXXXX
Web
I was instructed to deposit XXXX fraudulent company-branded printed checks via banking app mobile deposit ( unknown that these checks were fake at the time of the job scam- over 8 days time span ) Then I was to those funds ( via XXXX XXXX gift cards ) to the vendors so we could begin the equipment purchase order for my workstation at-home office Transaction dates and amounts : 1. Zelle {$2500.00} to XXXX XXXX on XX/XX/2023, ( XXXX ) XXXX XXXX. XXXX XXXX {$1000.00} to XXXX XXXX XXXX on XX/XX/2023, ( XXXX ) XXXX XXXXXXXX XXXX XXXX {$2400.00} to XXXX XXXX on XX/XX/2023 I was deceived into a job opportunity with scammers pretending to be real employees at XXXX XXXX XXXX. I was reached out to via email with an invitation to interview. The opportunity was something I had been looking for at the time, as I am struggling financially at the moment. It seemed too good to be true ( because it was ). The interviews and onboarding were conducted via XXXX XXXX chat feature, aside from a second final interview over the phone in a XXXX minute call. They got ahold of my personal information ( I-9, W-2, etc. ), bank information ( direct deposit form ) after instructing me to hand-sign the offer letter. Upon " onboarding, '' they had me start a wireless plan with XXXX XXXX XXXX as well as purchase an XXXX and an XXXX for " work equipment '' that I would be reimbursed with in my sign-on bonus. Once I paid the {$180.00}, my devices were sent to me and then I was instructed by my " advisor '' to send the devices for proper installation and set up by technicians in XXXX. Devices are now lost/stolen and I am left with disputing this with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I don't have to be responsible for paying a services and device plan that is now a XXXX As part of onboarding next steps, they had me deposit equipment checks via the mobile banking app with XXXX XXXX, so that we could purchase my work equipment for my at-home office since the role was a virtual position. They began having me send money to third parties in different ways once some of the funds became available for withdrawal in my account. Until I saw a post on XXXX by the real XXXX XXXX nearly 8 days later warning about recent job scam at XXXX.
05/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 611XX
Web
REQUEST LETTER TO REMOVE INACCURATE INFORMATION NOT VERIFY ADDRESS ALL ACCOUNTS WERE OPEN FRAUDULENT YOU ARE BEING PUT ON NOTICE TO WHOM MAY CONCERN Please accept this formal letter as my request to investigate and remove derogatory accounts/ items from my consumer report. Going over my report I have found it has errors it has come to my attention that you are reporting what I believe inaccurate data which I dispute in this letter is a appeal for your assistance as a consumer reporting agency 15 U.S.C 1681 a ( f ) you are governed by the fair reporting act ( FCRA ) 15 USC 1681, et seq..which protects consumers from inaccurate outdated or invalidated information reporting of their consumer file The FCRA states its the consumer reporting Agency responsibility to insure that all information contained within consumer files is accurate and free from errors your company is regularly engaged in the business of assembling evaluating and disbursing information concerning consumers for the purpose of furnishing consumer reports as defined in 15 USC 1681 a ( d ) to third parties According to federal law you are required to comply with the requirements under FCRA 15 USC 1681 et seq..including but not limited to 1. Follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report as required by 15 USC 1681a ( b ) this section imposes a high and often disregarded standard on consumer reporting agencies see, e.g., XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX at XXXX ( XXXX Va XXXX XXXX Breaking down the requirements of 1681 e ( b ). And explaining that assure mean to make sure of certain : put beyond doubt maximum means the greats in quantity or highest degree attainable and possible means something falling within the Bounds of what may be done accur or be conceived quoting Websters third new international dictionary 133. 1396,1771 ( 1993 ) ) : 2. Comply with the investigation requirements are required by 15 USC 1681 3. Should not provide consumer file to companies without determining that these companies had a permissible purpose to abstain consumer file pursuant to 15 USC 1681b 4. Provide consumer file pursuant to 15 USC 1681g 5. et seq.. XXXX XXXX XXXX XXXX account # XXXX
09/08/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 90038
Web
On XX/XX/23 I transferred {$1800.00}, via Zelle XXXX XXXX ) based on an e-mail that I received from my XXXX. E-mail was a standard method of communication between us. Per the e-mail I submitted the 50 % down payment to " his accountant '' ( I referenced my XXXX 's name and the project details in the title and memo section with Zelle XXXX. On XX/XX/23 I met with my contractor at the project site. My contractor indicated that someone must have hacked his e-mail account and that he did not send me the e-mail. The history of the e-mails I received shows his valid e-mail address. My contractor filed a police report as did I. I immediately called my bank, XXXX, to report the " mislead scam ''. I provided them with all of the information over the phone, including details for them to confirm that this was a " mislead scam ''. I offered to provide additional information, if they needed it. At no point did they ask for additional information. They ultimately rejected my claim indicating that " they processed the Zelle transaction as requested ''. I immediately called XXXX again to provide them with additional information to show " mislead scam ''. They ultimately rejected the second claim under the guise of " they already rejected my initial claim ''. I then contacted my XXXX XXXX XXXX and sent him copies of the two police reports and all e-mail correspondence with my contractor 's e-mail address. A few days ago they rejected that claim solely on the basis that there were no longer funds in the receiving bank account ( we all know scammers immediately move the funds ). I initiated more research and found out that Zelle/XXXX XXXX implemented new procedures regarding " mislead scams '' that XXXX quality for. However, as of today ( XX/XX/23 ), XXXX refuses to get the receiving bank to send the funds back to XXXX. My understanding is that member Banks ' terms of service should have changed that allow for this provision. Yet, XXXX continues to reject my claim. I believe that XXXX committed material misrepresentations to me by saying " they have to reject my claim because there are no longer funds in the receiving bank account ''. My contact at XXXX is XXXX XXXX ( XXXX VP Wealth Market Leader, XXXX, XXXX )
05/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 611XX
Web
REQUEST LETTER TO REMOVE INACCURATE INFORMATION NOT VERIFY ADDRESS ALL ACCOUNTS WERE OPEN FRAUDULENT YOU ARE BEING PUT ON NOTICE TO WHOM MAY CONCERN Please accept this formal letter as my request to investigate and remove derogatory accounts/ items from my consumer report. Going over my report I have found it has errors it has come to my attention that you are reporting what I believe inaccurate data which I dispute in this letter is a appeal for your assistance as a consumer reporting agency 15 U.S.C 1681 a ( f ) you are governed by the fair reporting act ( FCRA ) 15 USC 1681, et seq..which protects consumers from inaccurate outdated or invalidated information reporting of their consumer file The FCRA states its the consumer reporting Agency responsibility to insure that all information contained within consumer files is accurate and free from errors your company is regularly engaged in the business of assembling evaluating and disbursing information concerning consumers for the purpose of furnishing consumer reports as defined in 15 USC 1681 a ( d ) to third parties According to federal law you are required to comply with the requirements under FCRA 15 USC 1681 et seq..including but not limited to 1. Follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report as required by 15 USC 1681a ( b ) this section imposes a high and often disregarded standard on consumer reporting agencies see, e.g., Burke V. Experian info sols., inkXXXX, XXXX WL1085874 at *4 ( E.D Va XXXX ) Breaking down the requirements of 1681 e ( b ). And explaining that assure mean to make sure of certain : put beyond doubt maximum means the greats in quantity or highest degree attainable and possible means something falling within the Bounds of what may be done accur or be conceived quoting XXXX third new international dictionary 133. 1396,1771 ( XXXX ) ) : 2. Comply with the investigation requirements are required by 15 USC 1681 3. Should not provide consumer file to companies without determining that these companies had a permissible purpose to abstain consumer file pursuant to 15 USC 1681b 4. Provide consumer file pursuant to 15 USC 1681g 5. et seq.. XXXX XXXX -account # XXXX
03/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • NY
  • 11427
Web
On XX/XX/XXXX I was reported for suspected fraud activity and my bank accounts in XXXX XXXX XXXXXXXX were closed. Two accounts that my uncle and I had opened in XXXX, which he is the primary signer on both. Unfortunately we ended up being victims of fraud in XX/XX/XXXX. I was attempting to sell a vehicle posted online and the person interested in buying was in Florida at the moment, he said he was going to send the money using online transfer, but without my knowledge he went to an ATM and deposited 2 checks into the savings account. The total amount deposited was {$24000.00} USD. As soon as the bank released the hold on the checks he contacted me because he said that he made a mistake and sent too much money. I returned a total of {$18000.00} USD, which was done by transfer in a branch of XXXX XXXX XXXX in New York, and also with Zelle. Shortly after the Bank contacted me by email stating that the account balance was at critical low risk, this was because the checks deposited into the account were fraudulent and they bounced. Then we began calling the bank, making claims and also reported to the police. XXXX XXXX XXXXXXXX took immediate actions by closing our accounts and reporting us to 2 Consumer Reporting agencies, these are : XXXX XXXX and Early Warning. I disputed with these agencies on XX/XX/XXXX and sent supporting documents, on XX/XX/XXXX I got a positive response from XXXX XXXX, they proceeded to clear and delete me from their records, but Early Warning didn't do the same, they said that the information was correct and would remain on their records. Now 3 years later I requested an updated consumer report and noticed that the information still remained on the report, which is so disappointing because this is a negative situation that affects me. How can the bank and Early Warning accuse me for account fraud? I was a victim of a crime and have a police report that states so. The detective also forwarded the case to the FBI because he classified the crime as Grand Larceny. I tried again to solve this situation with the agency but they say that I can't dispute again. So I really hope that this complaint I'm sending will help to clear my negative report from this agency ( Early Warning ).
04/12/2023 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Money was not available when promised
  • OR
  • 971XX
Web Servicemember
I placed an ad on XXXX marketplace to sell a treadmill. A guy answered my ad and asked if he could pay for it through Zelle. Figuring it was like XXXX I agreed. I opened a my Zelle through my bank app for him to transfer the money to me. I received this email from Zelle : Unfortunately, we're unable to credit your funds ( {$500.00} USD ) into your account now due to the status of your account is not a business user which makes this amount be above your limit. How Do I Expand My Account Limit? Action Required : To expand your account limit. Contact the last person that transferred payment ( sender ) to send an additional payment of {$100.00} USD for your account to be fully expanded. As soon as this is done, youll receive ( {$600.00} USD ) in your account as instant deposit. IMPORTANT NOTE : An alert has been sent to sender in regards to the {$100.00} USD additional payment that has to be sent immediately. So I sent the money which was followed by multiple emails telling me I had to keep sending money to get my money back. This went on for over a month. Having my suspicions, I kept asking why I had to keep sending money to get my money back, their response was that it was for insurance purposes, federal purposes many more reasons for me to keep sending money and being guaranteed that ALL the money would be returned, none has been returned. I also received several of these emails as well : You only have {$300.00} to pay which was the last funds we told you to pay last time we are the one who put you through this steps and you are done already without this last payment no way you can get your funds We receive report and file for a fraudulent transaction but we are clear and safe because You reporting us wont get your money back only us can XXXX Pay your last fee to deposit your funds so we can finish this if you pay this last fee and we dont deposit we will also be punish so clear your last fee and we done. I told them that I would take legal action and I would contact my bank to get my money back if they didnt return my money as promised. They told me that my bank couldnt do anything about it and I couldnt get my money back through the bank, which is the only truthful thing they told me.
02/09/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NM
  • 88001
Web
On XX/XX/2023, I was the victim of a scam involving XXXX and the money service Zelle. I was selling a washer and dryer on the XXXX XXXX for {$520.00}. The person ( s ) interested contacted me via XXXX XXXX, asking about the price and if they could possibly pick them up that same afternoon. They asked if we could use Zelle to transfer the money from their account into mine. I agreed, and installed the application on my phone. They then told me that in order to transfer the full amount, I would have to upgrade my account to a " business account '', and they claimed that they would have to send me an additional {$320.00} for a total sum of {$850.00}. I had never used Zelle before to transfer money, and so I assumed they were telling the truth. The person I was speaking with insisted that they trusted me to refund the extra {$320.00} once the transaction was completed. I only had {$300.00} in my account, so that was what I sent them, under the belief that it was taking a while for the funds to appear on my end, as the buyer reassured me. I received a series of emails during the transaction process, claiming that I was to send them larger and larger amounts in order for Zelle to release the funds into my account. The final email was asking for my personal information, my bank account number, routing number, user name and password. I told the buyer over messenger that I was uncomfortable with this, and asked kindly if they could return the {$300.00} I had sent them using Zelle. At this point the buyer/scammer left the conversation, and in a panic I called my bank, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX if there was anything they could do to reverse or cancel the transfer, as it was still pending. They told me there was nothing I could do as I had " willingly '' sent the scammer the money and that I had to file the incident with the local police. I immediately contacted Zelle. They created a case for me, though they told me there was nothing they could do on their end for the same reason. Zelle customer support confirmed that the emails I supposedly received from them were not legitimate using the email addresses. The Zelle case number is XXXX. I will be filing a report with the local police.
04/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78130
Web
On XXXX XX/XX/XXXX an electronic letter was sent from XXXX through my online banking for an account that was in the negative - {$4.00} ( Ending in XXXX ). In the electronic letter the bank mentioned the account was ultimately closed in XX/XX/XXXX due to the account being in the negative. However, I was not aware of the status of my account until XX/XX/XXXX when I tried to log into my account and viewed the letter. In XX/XX/XXXX, I tried to open an account with another bank and I was denied due to critical information that was being flagged on my consumer reports. I am unable to open any other accounts with banks that I have applied to, which tells me there must be some critical information on there that will not allow me to do banking with any other banks. XXXX is the only bank that I have ever worked with and had a great relationship with until my account closed. The only incident that I can think of that could be tied to this was back in XX/XX/XXXX a company by the name of XXXX XXXX XXXX XXXXXXXX XXXX XXXX sent a check to me under their financial services check system however, XXXX updated that check as invalid. I then contacted that company and expressed my concern, and I was told that some of the information was incorrect on the check and that another check would be sent out, which they did send back out and I tried to cash that check but once again the bank updated it as invalid. After that incident I chose to no longer communicate with this company due to this company invalid check activity on their part. The account was put in the negative because of this company 's actions, which was out of my control. XXXX XXXX XXXX XXXX XXXX bears responsibility for this. I am requesting for XXXX to remove any negative flags on my account if there is any in regard to this account as I was not notified previously if the account was being closed for any other reason, otherwise I would have disputed it and provided any information requested. I am also requesting for Early Warning Services to also remove any negative flags on my account in regard to this account and also send a copy of my report. This is causing an extreme hardship since I can not have any direct deposits/paychecks at this time.
01/26/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • NY
  • 10026
Web
On XX/XX/XXXX, a payment was made to me from XXXX XXXX from his son XXXX XXXX, for a service of receiving a discounted apple gift card ( from my associate discount ). On XX/XX/XXXX i received a call from a XXXX number stating it was someone from XXXX asking about a payment of {$200.00} i received Zelle. At the moment i was driving on the highway and explained i could not speak at the time because it was hard to pull over on the highway and told them to call me back. The women called back and left a message saying " Hi this is XXXX calling from XXXX XXXX this message is for XXXX XXXX, I'm calling in regards to the inquiry that we received it's important that we speak with you for your convenience we're available Monday through Friday XXXX to XXXX and then also on Saturday from XXXX to XXXX please return our call at XXXX option three or to the chase customer service number. '' They never mentioned anything else, i called and was on the line for over 2 hours, when finally getting a supervisor on the line she told me my " ENTIRE '' account was Frozen due to XXXX XXXX reporting it was a fraud charge to my account for the {$200.00}. XXXX Froze my account as they claim they were investigating although giving me limited details because they claim they had limited access. I am highly upset and disappointed as a XXXX long time customer and a perfect standing customer! The sender received a service and then filed a claim back on account to get their money, no one ever even spoke to me to get any details, then suggested i contact the sender to get my money back ( does that sound rational or logical ). The attitude is they didn't care and never spoke to me, just took the word of someone filing a claim for a measly {$200.00}, when i keep thousands in my account which now i won't. On the XXXX i logged in to my account to see that XXXX refunded the {$200.00} Zelle, again i was not even notified that this so called investigation was complete and again no one reached out to me but, in turn, i reached out to them, once again, they have little information to give me but took my money out my ACCOUNT WHILE ALSO FREEZING MY FUNDS WITHOUT SPEAKING TO ME, HIGHLY DISAPPOINTED AND WANT MY {$200.00} BACK.
09/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 34120
Web
In the pictures below, you will see a legitimate police report on identity theft, an FTC ID Theft report, and a denial from XXXX XXXX XXXX XXXX stating that the incorrect information from my identity theft will still be published. My identity was stolen a couple years back and actually the deeper Im looking, it looks like it is much prior than I originally thought. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX is blatantly punishing a victim of identity theft. XXXX XXXX XXXX XXXX has failed to provide reason, or provide legitimate proof with any reason as to why they made a denial on my identity theft. This is done in bad faith and is a violation of the FCRA. XXXX XXXX XXXX XXXX are mandated by law to keep accurate and up to date records all of which they have failed to do. XXXX XXXX XXXX XXXX has failed to provide legitimate actual documentation as to why they denied my claim. They also provide no steps to determine that the account information is accurate and up to date, two years later still being punished for identity theft. If they want a lawsuit, theyll get it. XXXX XXXX XXXX XXXX have violated have violated FCRA section 607 compliance procedures and failed to furnish and keep an accurate report. XXXX XXXX XXXX XXXX cant tell me my identity wasnt stolen, because it was. They also violated section 611 procedure in case of disputed accuracy, by mis treating inaccurate and unverifiable information, as they failed to send me proof, as the burden now rests upon them. They are also in violation of section 617 negligent noncompliance and are purposely keeping inaccurate records on my file that should not be there. They also violate section 623 by reporting information with known errors and submitting it as accurate. XXXX XXXX XXXX XXXX now have the burden of proof to show why my claims got denied other than a boiler plate answer, that it was found verifiable without showing any known proven methods. There are more additional laws and causes of action that I will add if XXXX XXXX XXXX XXXX continues to violate my rights. I am in good standing with all banks. Any decision that doesnt result in this will be fully disputed. As it is not my fault for what happened.
07/15/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • 14217
Web
I was scammed out of {$260.00} for two concert tickets. On XX/XX/XXXX, I was contacted through XXXX in regards to a post that I listed seeking tickets to a concert in XXXX, CO for XX/XX/XXXX & XX/XX/XXXX. The scammer stated that he would first send me tickets through the approved venues digital ticket system, XXXX XXXX ( AX ). Once I confirmed that the tickets are in my possession I could send payment through a XXXX app called XXXX. XXXX is linked and approved affiliate with my bank XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, the scammer sent me the first ticket for the first show on XXXX. This was confirmed through my Flash Seats account and an email from Flash Seats confirmed transfer of ticket to me. After I confirmed, I sent 1 payment for {$130.00} through my bank app XXXX XXXX XXXX XXXX using XXXX, transaction number XXXX. This was repeated for the XXXX ticket for the show on XXXX with another confirmation email from Flash Seats and XXXX transaction number : XXXX. First transaction was for {$130.00} for 1 general admission ticket to the XXXX XXXX XXXXXXXX XXXX on XXXX. This transaction is recorded through XXXX and the notes will show " XXXX XXXX GA ( my morning jacket night 1 general admission ) The second transaction soon followed for {$130.00} for 1 general admission ticket to the My Morning Jacket Show on XXXX. This was also recorded under the notes transaction with XXXX as " XXXX XXXX GA ( my morning jacket night 2 general admission ). On XX/XX/XXXX, I checked my XXXX seats account and noticed my tickets were no longer there. I contacted them asking what happened and they stated the user account who transferred the tickets was flagged for fraud, so all tickets were recalled. I was never notified of this. Unfortunately, since I did not purchase tickets using their system, I have no recourse. I reached out to XXXX that same day. They told me that I need to contact my financial institution since, it was done through them and not XXXX independently. On XX/XX/XXXX I filed a dispute/fraud complaint with XXXX XXXX XXXX XXXX. Claim number XXXX. I was told to contact CFPB and the local law enforcement. Hopefully this will be fixed through any of the parts listed.
04/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 90620
Web
XXXX XXXX XXXX is violating my rights as a consumer. In accordance with the Fair Credit Reporting Act, reporting information regarding checking account ending in XXXX is in violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c. section ( a ) ( 5 ) states : ( a ) Information excluded from consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX XXXXequesting copies of all documentation and information regarding account ending XXXX. I received a letter in the mail that simply stated their investigation had been completed and information was updated. They did not attach anything additional as I asked. They had reported incomplete, unproven, and or inaccurate information to both XXXX and Early Warning Services about me and this account. Regardless of their inaccurate reporting practices they are in violation of my rights as I have stated above. I have attached a copy of the original letter that I sent to B of A which explained in detail what happened to me as well as a request for documentation that would have helped me understand why my account was closed in the 1st place. They failed to provide me with that documentation. I have also asked for both XXXX and Early Warning Services to investigate this matter. Both came back and stated that their investigation with B of A has been completed. This account remains on my consumer disclosure with both companies. I also never gave them written instructions to furnish information about me. They are both also in violation of my rights. I have attached copies of both of their response letters.
05/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30341
Web Servicemember
I have contacted Early Warning Systems, and XXXX about an entry they are reporting about me that is fraudulent, and was opened as an act of identity theft. XXXX allowed for both a personal loan and a credit card to be opened in my name without my permission and fraudulently. I have tried to work directly with XXXX many times and tell them that neither of these accounts were opened by me and have gone into great detail explaining to both XXXX and Early Warning where XXXX reported the debt to that this was fraud. I have provided them a police report that outlined that I was a victim of identity theft and that many fraudulent accounts were opened in my name and correct social security, every since I was a victim of identity fraud. When I have spoken to both of these companies they have both refused to assist me and told me that did not care that I stated I was a victim of identity theft/fraud they would not remove their derogatory reporting of these two fraudulent accounts. My identity was stolen when my wallet was taken from me in 2009 when I was robbed. I have had about 17 charge cards, 2 auto loans, and 3 personal loans opened in my name due to this fraud/identity theft, and none of these fraudulent accounts should I be held accountable for. XXXX told me in one of the calls that I had with them that the accounts they claimed were opened in my name were included in a bankruptcy, Well I have never filed a bankruptcy EVER, and either of these parties can check my XXXX File, My XXXX File, and My XXXX File and they will see there is no record of any bankruptcy that I filed. Both Early Warning and XXXX are acting in a willful manner of inflicting emotional distress upon me by continuing to report this fraudulent information. They are defaming my character by them continuing to disseminate information that has nothing to do with me except the fact they allowed fraudulent accounts be opened in my name and they are totally unwilling to act in accordance of the FCRA and rectify this matter. I am attaching a copy of my most recent credit report that will affirm that I was a victim of identity fraud/theft and am asking for the immediate removal of this fraudulent information..
02/24/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • VA
  • 23113
Web
I was contacted very shortly after posting an appliance for sale on XXXX XXXX by a one " XXXX XXXX '', an XXXX user. Cautiously, I asked where the individual lived, and they simply replied " Virginia '', which is distressing when contemplating selling something like a clothes dryer. Virginia is a big state! Anyway, the individual requested to pay me via Zelle. After I'd provided my Zelle information, I was given a faked confirmation snapshot, which did not contain enough digits to be verified by Zelle. Upon mentioning this discrepancy, the individual instructed me to check my email ( I had not yet seen any transfer in my bank account or Zelle account activity ). In my Spam folder, there was a suspicious email from XXXX, an intentionally misleading address. The email read as follows : ___________________________________ Dear XXXX, Account Limit Zelle is a revolution in the way money moves. It's a free app that lets you send and receive money with almost anyone in minutes by working with leading banks and credit unions. You have a pending payment of {$150.00} USD We should be crediting your account now but we noticed the account has been limited and not a business account so it cant be credited so we need you to contact the buyer to send in the amount of {$500.00} USD to your Zelle account so it can be changed to a business account be credited immediately with {$650.00} USD into your account with a welcome bonus of $ XXXX, which the total sum of $ XXXX will be credited to your account immediately **PLEASE NOTE** Payment will not be credited to your account until refund of additional payment has been refunded for your buyer protection so neither the payer or the payee doesnt lose his/her money! You will receive a " CONFIRMATION EMAIL '' from our Zelle Team informing you that the funds has been credited to your account. ___________________________________ I confronted the " buyer '' about how I had not received any money, and that it seemed very fishy. They denied wrongdoing. I blocked them permanently and reported the email as a phishing attempt. Please look into this individual, I worry they may have defrauded folks in the past, or could do in the future.
08/25/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • VA
  • 23060
Web
From : XXXX XXXX XXXX XXXX XXXX ct, XXXX XXXX VA XXXX Email : XXXX To : XXXX XXXX XXXX XXXX XXXX XXXXk XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX Email XXXX Subject : official request of investigation Dear XXXX XXXX XXXX XXXX XXXX XXXX, I am writing as a follow-up to my previous letter dated XX/XX/2023, in which I requested assistance with investigating fraudulent XXXX transactions totaling {$11000.00} that were sent from my XXXX XXXX XXXX account . I recently received a response from XXXX XXXX XXXX declining to honor my claim or provide any substantial assistance. According to their letter, they stated that my claim was not received within the required one year time period from the date of the unauthorized transactions. However, their terms and conditions do not stipulate any such time restriction for investigating claims of fraud. As the regulatory body overseeing XXXX XXXX XXXXXXXX 's operations, I urge the XXXX XXXX XXXX to look into how they handled my case. It seems unethical for a major financial institution to dismiss a victim of fraud simply because arbitrary time limits have passed, especially when no such limits are disclosed in their own policies. I have provided all necessary evidence and information to XXXX XXXX XXXX, yet they declined to conduct a thorough investigation or trace the flow of stolen funds. As a U.S. citizen and customer of XXXX XXXX XXXXXXXX for over 15 years, I believe I have the right to expect legitimate assistance when large sums of money have been stolen from my account through fraudulent means. XXXX XXXX XXXX has a duty to ensure that financial institutions under its purview are operating ethically and treating customers fairly. I hope that you will look into XXXX XXXX XXXX 's handling of my case and take appropriate action to compel them to properly investigate the fraudulent Zelle transactions. Victory against fraud requires diligence and perseverance on the part of regulators just as much as financial institutions and their customers. Please advise me on any further steps I can take or information I can provide to facilitate your investigation into this matter. I look forward to your prompt response. Sincerely, XXXX
10/12/2017 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • WI
  • 54016
Web
I sent a XXXX scammer some money, he never sent me concert tickets. I know it was my bad. XXXX XXXX launched an " investigation. '' I filed a police report. The officer heard my story and said, " I bet you {$5.00} you sent money to XXXX XXXX XXXX account, right? For some reason, every scam I come across involves XXXX XXXX XXXX. '' Telling, right? XXXX XXXX responded to my claim with an initial letter that said they were investigating and that they would be contacting the other bank XXXX XXXX XXXX and seeing if they could refund my money. On the same day as this letter, they sent a 2nd letter saying that there was nothing XXXX could do and that the claim was closed. I 've asked them if they could verify that the stolen/illegitimate checking account could be shut down - XXXX says that is up to XXXX. XXXX will not discuss another account with me because I 'm not their customer. However, XXXX did tell me ( and I 've learned ) some interesting things. In the letter they said that my transaction was initiated on XXXX. It did. They also say that this transaction did not post until XXXX. This was after my dispute was filed and after they " opened '' their investigation. Fishy. They also write, " Please be advised that the token you provided did not match the name of your intended recipient. '' When I asked the supervisor why in the XXXX they would allow a transaction to proceed that did not match the name of the intended recipient, he told me that I did not understand " token based transactions '' and that this was perfectly normal and not a security concern at all. One more thing -- while researching XXXX and their security I found this thread from XXXX that is used exclusively as a marketplace for similar fraudsters and scammers https : XXXX This thread ( before it was edited to remove the content ) talked about how XXXX had XXXX security flaw whereas you could enter any mobile number to receive your verification code -- and the number would not need to match the one associated with your bank account. Bottom line : XXXX does n't take their security seriously. XXXX XXXX does n't care about it 's customers and XXXX XXXX XXXX is a haven for scammers.
06/03/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NJ
  • 08054
Web
On XX/XX/XXXX, I filed a series of FCRA disputes with Early Warning Services ( EWS ) via letter sent Certified Mail, Return Receipt ( received XX/XX/XXXX, letter attached as Exhibit " A '' and return receipt attached as Exhibit " B '' ). Such disputes involve four ( 4 ) XXXX XXXX XXXX accounts and one ( 1 ) XXXX XXXX XXXX account incorrectly displayed on my Early Warning Services ( EWS ) report. On or about XX/XX/XXXX, I received four ( 4 ) identical letters regarding the XXXX XXXX XXXX disputes indicating that the tradelines were verified ( one of the letters is attached as Exhibit " C '' ). I received no such letter, or any other communication, regarding the XXXX XXXX XXXX dispute. In a letter dated XX/XX/XXXX ( attached as Exhibit " D '' and its return receipt, dated XX/XX/XXXX, as Exhibit " E '' ), I noted that the period the FCRA allows for response to disputes had passed, and the XXXX XXXX XXXX entry must accordingly be deleted. I also requested information regarding the verification methods used in the investigation of the XXXX XXXX XXXX disputes. These requests resulted in more form letters five this time determining my requests to be frivolous or irrelevant. All the letters are identical ( one is attached as Exhibit " F '' ), and none speak to the specific entreaties I made. This leads me to believe that they were sent as a knee-jerk response to my letter, with no consideration or respect given to its content or validity. Finally, on XX/XX/XXXX, I received a copy of my EWS report with each page watermarked with the word updated, supposedly as a result of the same investigation requests that EWS deemed frivolous as noted above. I also received a letter dated XX/XX/XXXX stamped " COPY '' regarding the XXXX XXXX dispute, although no such letter was ever sent to me before ( see above ). Clearly, these investigation results were furnished well outside of the 30-day period allowed by law ; and they are the result of an investigation EWS have repeatedly refused to conduct. Also, my disputes can not be both too frivolous to investigate and valid enough to investigate at the same time. My rights under the FCRA have been violated.
10/28/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TX
  • 77054
Web
I was contacted by an individual by the name of XXXX XXXX via phone about the purchase of a vehicle. He sent me photos of the car and stated I would need to send a total of {$1000.00} for a deposit of the vehicle and then pay an additional {$1000.00} to complete the purchase of the car. I sent him a total {$840.00} on XX/XX/2020 via Zelle from my bank at XXXX XXXX XXXX. I then sent the {$200.00} remainder of the deposit on XX/XX/2020 via Zelle again. XXXX stated he would hand over the car on XX/XX/2020. In which, he never showed up and never brought the vehicle that I had already paid the deposit for. He also stopped all further contact with me and blocked my phone number. I then realized I was scammed out of my money and of the potential car. To my surprise after researching XXXX, I found previous records that he is a felon and huge fraudster/scammer. He is in gang with 23 other individuals that sell stolen vehicles and scam individuals by never actually give them the cars such as myself. He has been to jail multiple times across the country for theft and related charges. I called XXXX XXXX XXXX on XX/XX/2020 and let them know my entire situation and that I wanted to file a dispute of the transaction since I was a victim of the car scam in order to receive my {$1000.00} back. The representative at XXXX XXXX XXXX told me they would conduct an investigation, reach out to the bank XXXX has, and ask them to send the money back. After 20-30 days I called XXXX XXXX XXXX back and they told me they denied my claim and I can not appeal any Zelle transactions that have already been denied. I was completely shocked and was told my next only option would be to file a complaint with www.ic3.gov and there there is no other help XXXX XXXX XXXX can offer me to retrieve my money that I was scammed. I contacted the XXXX County police and filed a police report for theft or services against XXXX as well as a ticket on www.ic3.gov. The police are still looking for XXXX to arrest him but advised that I communicate with the bank on how I can retrieve the stolen funds. I was finally referred to submit this complaint on here to the CFPB as of today on XX/XX/2020.
05/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IN
  • 46268
Web
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Early Warning Systems XXXX XXXX XXXX XXXX XXXX, AZ XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX REF CASE ID : XXXX To whom it may concern : It has come to my attention that Early Warning is willfully not complying with the FCRA. I have attempted on several occasions to obtain information in your database which you report to my consumer file and each attempt you have stated that you do not have access to the information I have requested and refused or ignored my request to remove the items from my consumer file. This puts Early Warning in direct violation of the FCRA which I will sue for. Section 1681g ( a ) ( 1 ) requires that a consumer reporting agency " upon request,... clearly and accurately disclos [ e ] to [ any ] consumer :... [ a ] ll information in the consumer 's file.... '' 15 U.S.C. 1681g ( a ). A consumer reporting agency is liable for " actual damages '' if it negligently fails to comply with this requirement, 15 U.S.C. 1681o ( a ) ( 1 ), and it is liable for " actual damages, or statutory damages ranging from {$100.00} to {$1000.00}, as well as punitive damages and attorney 's fees '' if it willfully fails to comply, 15 U.S.C. 1681n ( a ) If you can not comply or refuse to comply with the above mentioned FCRA regulation Section 1681g ( a ) ( 1 ), I demand Early Warning remove all disputed items/accounts from each of the referenced Case IDs above. In addition, Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section- Please send information from YOUR database. Not information that you have to acquire from XXXX XXXX XXXX or XXXX XXXX XXXX XXXX for the investigation. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation.
02/24/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 333XX
Web
My name is XXXX XXXX XXXX My email address is XXXX My phone number is XXXX My mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX My Fl DL G XXXX XXXX XXXX XXXX XXXX On or around XX/XX/XXXX if 2020 I found an add on XXXX for an apartment for rent. I have communicated with the said landlord for over 20 days founding in the date that I was suppose to take possession that I got scammed. This claim is against Zelle In well known app which is embedded into my mobile XX/XX/XXXXmobile app. There were there transactions made from my Account through Zelle app. Before I sent the money I asked for a lease/rental agreement and a copy of the ID. The place was also advertised for rent on a different website which was included in the rental agreement. The rental was for a place in XXXX XXXX Fl. The payments were made as follows : First payment of {$1000.00} on XX/XX/2020 Second payment of {$2800.00} on XX/XX/2020 Third payment of {$3500.00} on XX/XX/2020. The imposter whose ID I included for your records, told me that I can not see the unit because it was rented and the tenant was going to leave in the day that I was suppose to take over and it needed to be sanitized and cleaned because of COVID 19. This add was posted as a short term rental stupidly I was checking in at XXXX XX/XX/XXXX on XX/XX/2020 It was a hotel and they post phone the check In until XXXX XX/XX/XXXX telling me that the apartment was not ready. As soon as I got theres he front clerk told me that the place was not available and that this unit does not even exist. I immediately insisted to call the police. I made a police report with the XXXX police department case number XX/XX/XXXXXXXX. Since it was after XXXX I could not call my bank immediately, so I called next day and I made a claim with XX/XX/XXXX claim # XXXX XXXX XXXX They told me that would take 45 calendar days for the problem to be solved. I have numerously followed up with the bank and with the police department, but nothing has been solved until now. In XX/XX/XXXX I made an FBI report and I submitted through fax the report to my Bank. Today I am making a claim against Zelle and the receiving bank.
02/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 07103
Web
I XXXX XXXX, a consumer here by put you Early warning consumer reporting agency, a united state corporation on a final notice of violation of FCRA. You are reporting a fraud on my credit report which is defamation of character and i gave you may opportunity to provide documentary evidence to back up your claim and you have failed the procedure in investigation which is a violation of the FCRA law below : 1. 603. Definitions ; rules of construction 15 U.S.C. 1681a ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 2. 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. You never provided me any evidence or factual information on how you obtain your information by reporting fraud on my information. 3. 606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] CIVIL LIABILITY I have tried to resolve this dispute in good faith but you have failed, you are hereby civilly liable to me under [ 15 U.S.C. 1681n ] 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure.
03/29/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • IA
  • 502XX
Web
I bank with XXXX XXXX who now uses XXXX. I recently received an email from XXXX XXXX directly advising my " mobile number is inactive and has ben removed because it has been disconnected '', so they were removing it form my account for me. My phone number has not changed, nor has it been disconnected. I called XXXX XXXX who informed me this was a XXXX issue, not theirs. So I get transferred to XXXX who plays the blame game and says I need to speak with XXXX XXXX. After explaining over and over to the woman that this is not a XXXX XXXX issue, she suddenly asks if I changed cell phone providers. Although she already told me this was not " their fault '' I explained that I did switch providers, but my number did not change. She then admitted that if you change providers you will be " kicked off : '' XXXX. What do you know, I was kicked off XXXX, not registered, they removed me. My phone number has not changed, I have the same number. My husband and I pay bills from MY account, so he transfers me money on a monthly basis, every single month. When we register with XXXX as a " new user '' you are only allowed to send {$500.00} because you're a " new user ''. My issue is that I AM NOT a new user. I have now registered three separate times with XXXX and this last time is solely because of their error and negligence with my account. My husband now CAN NOT send me funds we have for our bills. XXXX has no business removing my phone number from my account or touching my account in the first place. Or the fact that they can clearly see I am not a first time user, but refuse to make any sort of " allowance '' to fix their {$500.00} first time user non-sense. I am literally being told what I can and can not do with MY MONEY all because of an error XXXX made. An error they will not own up to, fix, or make right with me. This is thoroughly unacceptable and I am beyond dissatisfied with BOTH XXXX XXXX and XXXX. the blame game. typical. no one can help, no one can fix anything, nothing. they literally did nothing for me. so I once again registered, took the {$500.00} since XXXX tells you how much you can and can not send to people.
02/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • XXXXX
Web
On XX/XX/2023, I received an email from XXXX XXXX XXXXXXXX that stated, " Thank you for your interest in opening a deposit account with us. At this time, we're unable to open the following account ( s ) for you : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The email went on to indicate that their decision was based in whole or in part on information obtained from the consumer reporting agency or agencies listed below. Furthermore, XXXX XXXX XXXX indicated that " [ my ] deposit account score is a number that reflects the information from your deposit account history in your consumer report. Your deposit account score of xxx used by us in taking the above action was created on XX/XX/2023, and provided by an external consumer reporting agency Early Warning Systems. '' This attempt to open an account was made without my authorization. As such, I considered it an attempt to commit identity theft/fraud. I immediately contacted Early Warning Services , LLC, and spoke with a customer service representative to request a copy of my report be emailed to my attention due to identity theft. The Early Warning Services , LLC website contained the following disclosure, " In accordance with the Fair Credit Reporting Act, your consumer report will be sent to you within three calendar days if you notify Early Warning that you have been a victim of identity theft and you provide the information required by the Act. '' Early Warning Services did not place a freeze on my report. Additionally, I contacted the fraud department of XXXX XXXX XXXXXXXX and reported the attempted account opening. While speaking with XXXX XXXX XXXX, I was informed that another attempt was being made. Another attempt was made later in the evening, bringing the total attempts to XXXX. Again, I received emails from XXXX XXXX XXXX indicating that information was obtained from Early Warning Services , LLC. On XX/XX/2023, the third business day, I contacted Early Warning Services and noted that I had yet to receive a copy of my report. I was informed that the information on the website needed to be corrected and a report would be provided within 15 days of the request.
08/24/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Funds not handled or disbursed as instructed
  • NJ
  • 07087
Web
This complaint is addressed to ZELLE and XXXX XXXX, a bank with financial interest/ownership in Zelle. I was scammed for {$600.00} online by an imposter impersonating a known person with a verified account ( former government employee ) on XXXX on XX/XX/2022. The verified account posted having a small number of XXXX for {$600.00} which would be going to charity. In Direct messages, the person directed me to make payment thru Zelle and provided an email address of his personal assistant linked to the Zelle account XXXX. I sent payment of {$600.00} at XXXX through my Zelle account which is by default in my XXXX XXXX checking account within the app/account features. The email given was verified by Zelle ( banking information was confirmed by Zelle ). Within minutes of sending payment, the verified XXXX account posted that his account had been hacked. I immediately called XXXX XXXX to report the fraud and request stop payment. The representative completed a report to investigate. They replied days later that they will not be refunding my money. I then attempted to contact Zelle, and could not directly report the fraud to them because my Zelle account is through my bank. I spent almost an hour trying to contact them, and eventually found a link to submit a complaint. Zelle 's response was to thank me for submitting to protect others, but NO REMEDY for my own fraud, reported within minutes. My Zelle payment was sent to someone other than the intended, and I have not received any remedy to my payment or the fraudulent account linked to it. Banks that include Zelle within the customer banking website/app have a duty to protect their account holders from fraudulent payments. Zelle is an unethical operation offering no protection to it's customers. For this reason, it is the payment option of choice for fraudsters and scammers. Zelle needs to be held accountable for transferring money to verified bank accounts as they already have the fraudster 's information and linked banking. XXXX XXXX and all other banks that partially own Zelle need accountability and consumers should have protection against fraud.
04/05/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NE
  • 68116
Web
I was a victim of a puppy scam using a service I had never heard of called Zelle. The puppy owner seemed legitimate in the moment and when they said to use Zelle I was happy to see it as an option in my online banking application for XXXX XXXX. They sent me an email and owner name and I authorized the transaction through my own bank application. Never in a million years would I have thought that I could get scammed while directly logged into my own bank account. If I had ever heard this Zelle was like XXXX I wouldnt have brought my walls down. I suspect my bank ( XXXX XXXX ) and Zelle will not offer to stop or refund my transaction. I waited on a phone call to Zelle and they transferred me and then hung up on me after 45 minutes. My bank is not available today but I sent them a message. The fraudulent company is no longer returning correspondence. Ive included their contact info below. The main thing I want is for this to not happen to anyone else in the future. Please stop this fraudulent company. They used a real XXXX XXXX, FL address that has been the victim of other puppy scams in the past. This article is exactly what happened to me. There are others who are becoming victims. Please help to stop banks legitimizing Zelle. They arent doing anything to warn customers of potential for fraud. There must still be millions of customers just like me out there who havent heard of Zelle but find it on their bank app and way to easy to transfer money. https : XXXX I have also filed a fraud report with XXXX. Fraudulent Actor Zelle Acct : XXXX XXXX XXXX Fraudulent Business Info : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX : XXXX Online Purchase Lost {$750.00} Article that mentions puppy scam activity using this same address is below. We came across this article after our transaction when we began to suspect fraud. https : XXXX XXXX I have attached screen shots of the website in case they take it down. I also included screen shot of my banks status of the transaction and how they should be able to stop it but likely will not based on what I am seeing online from other victims.
07/12/2018 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • TX
  • 75006
Web
Hi there, On Thursday, XXXX XXXXI used the XXXX app to transfer funds ( {$170.00} ). When I was placing this transaction I obtained an error through the XXXX app and the funds were never received by the recipient. I went to the XXXX app and there was no record of my transaction, but the money was still drafted from my account. On Tuesday, XX/XX/2018 I called my bank ( The local federal credit union in XXXX, TX ) and they stated that the transaction actually posted and was not a pending transaction or authorization. I then reached out to XXXX customer support and they informed me that the transaction failed and that they money should have been returned to my account. I then spoke back with my credit union and they told me that was not the case, that it was actually debited to my account and that there was no way to cancel the transaction, that it completed. After that, I spoke back with XXXX, this time on conference call with my bank. XXXX informed my bank that transaction failed and the money shouldn't have been debited from my account. My bank followed with that transaction did complete and there was no way to return the money, without XXXX issuing a credit. After about 15 minutes of back n forth conversation the XXXX representative said she would need to call me back after they looked further into it. I didn't receive a call back in what I would consider a timely matter so I called back. This time I was transferred to Tier 2 support where I was told the same things I had been told before, just in a more educated way I would say. The XXXX representative told me she would reach out to my bank and contact me within 48 hours. Thursday, XX/XX/2018 I call my bank and there is no record of anyone from XXXX calling them or any credits, so I reach back out to XXXX. I'm now told that, they don't contact banks and the funds should be returned to my account in 14 days. XXXX says they don't know where the money is and can't offer me any real solutions or even answers. I'm just exhausted after all the phone calls, waiting on hold, and even been hung up on. I hope there is something you can do Kind regards, XXXX XXXX
04/19/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • IN
  • 47201
Web Older American
I received an email from an individual XXXX XXXX on XX/XX/22. She was asking if she could order product from me as I am a XXXX XXXX. She sent me her order and then asked for my Zelle Account. I received an email from Zelle stating that she needed to send another {$200.00} so that I could upgrade to a business account. ( The original amount she said she tried to send was for {$300.00} ( the wrong amount to begin with ). I contacted my bank immediately to find out why I would be asked to upgrade. The bank said it was a scam. XXXX also sent me a phone number XXXX and her email address : XXXX. The email from Zelle came from : Zelle pay XXXX. My bank said it was a scam and I should delete all contact information from them. I wanted to send to you before I deleted. I continue to receive text messages asking me to email zelle and upgrade. Here is a copy of what I received : You only have to Enroll to a Business Zelle Account to receive {$300.00} from XXXX ENROLL TO RECEIVE Important notice : this payment has been withheld and filtered by our agents for further verification and has also been declared PENDING because we noticed the status of your Zelle account has been limited and hence not a business account so we cant initiate the transfer but we want you to contact the sender of the payment to send in an additional payment of {$200.00} to your Zelle so it can be upgraded and changed to a business account then the sum of {$500.00} will likewise be credited into your account effectively once the additional payment has been secured back to the sender. Note : XXXX has also been emailed regarding the HOLD on the transaction, your account upgrade because this transaction will be monitored by our withholding agents and also insured with a HARDCOVER INSURANCE POLICY You will receive a CONFIRMATION EMAIL or TEXT from our Zelle team informing you that the funds have been credited into your account. Terms and conditions apply Zelle is a fast, safe & easy way to send money to and receive money from friends, family and others you trust. For more information, please visit https : //www.zellepay.com Zelle Logo
02/28/2018 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Confusing or missing disclosures
  • CT
  • 064XX
Web
I offered a delivery service using my truck to bring a large amount of chopped wood to a certain location. I was told I'd be paid by the person I spoke to and his friend regarding the amount of work it took. I have used XXXX many times as it's a payment service that ties to XXXX XXXX XXXX, never had an issue before. I got a new cell phone last night but I back the phone up each night and when I restored the phone contents, all of my accounts appeared fine. I said once I received the money I would do the job. I received two emails to my account at XXXX saying that the funds that I expected were in my account, one for {$1500.00} and one for {$2000.00}. I performed the job. After I was done I checked my XXXX XXXX XXXX account and the money was not there.The person I was talking to had their phone off. It appears they knew that they could get this job done for free as long as they used XXXX. Now to the gross negligence on XXXX XXXX part. It appears my phone being reset last night enabled XXXX to disconnect from my XXXX XXXX XXXX account.There was absolutely nothing done to inform me that the money I have gotten emails saying I was in possession of would be forfeited. Once the person paying me for the service noticed that the money did not in fact deposit but was still on XXXX, they were able to cancel that payment. No where did I recieve any warning that my account was no longer connected to XXXX. The money was not deposited in my XXXX XXXX XXXX account and safe as it typically is, instead it was taken back as soon as this person realized the job was done and the money was still available to them. This is a blatant lack of responsibility on XXXX XXXX part. Even the email itself says only that I had received payment and nothing else I would like for the to pay the full amount of {$3500.00} for the work I performed. I was not able to contact a single person on their support line, it is computer ran and only has the ability to move you from menu to menu, you can not press zero for an operator and when I did think I found a way to talk to someone, the phone hung up ... 3 times. ZERO customer service.
09/12/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • IL
  • 60067
Web Older American
I sold a kitchen set on XXXX XXXX. I received a offer to purchase it. The person asked me if they could pay me with Zelle. I said yes so the purchase price was {$320.00}. I gave them my information meaning my name and my email address which is related to my Zelle account at XXXX bank. The buyer told me to check my email to verify that I got an email from XXXX regarding the money was sent. I checked my email and I saw an email from Cell saying that {$320.00} was sent but was not able to be deposited because I needed a business account and in order to open a business Account I needed a minimum of a {$720.00} transaction. The emails said that the buyer would have to send me an additional {$400.00} to make a minimum of a {$720.00} transaction to open a business account. The buyer then messaged me again that they got the same email and were reluctant to send another XXXX because they didn't know me. They said they would be willing to send the other XXXX if I gave them their word that they would refund it to me as soon as I received it. The buyer then told me they sent the other XXXX and I should've received an email stating so. They told me to check my email again which I did and the email which appeared from XXXX told me that there was {$720.00} available for me and needed to be released from my buyer in order to open the business account and receive my money. The buyer said they also received the same email and said before they would release the money to me they wanted to make sure they got their XXXX back. So I sent them {$400.00} which they said they never received. And consequently there was never a release of the money of XXXX to my account. The XXXX was withdrawn from my account via Zelle so I know they received it. They then proceeded to send me another email from XXXX telling me that I needed to buy a license for XXXX. That is when I put the brakes on and figured that it was a scam. The money was sent via Zelle to XXXX XXXX with email address XXXX. It was noted as XXXX transaction number XXXX. This all took place on XX/XX/2022. PLEASE NOTE MY EMAIL RELATED TO MY CHASE ACCOUNT IS XXXX XXXX
12/03/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • MD
  • 217XX
Web
I thought I was placing an order through a viable website. When I clicked to order, the site, XXXX, defaulted my payment to Zelle. I was expecting to pay through XXXX but, I had Zelle at my bank so I thought I would be protected. They texted me right away with their " cashier 's '' email address to send the money to through Zelle. I had never used Zelle previously but, since it was through my bank I thought it was secure. I did waver for a moment when the email address was a gmail account but, I had gotten a text and order confirmation right away so I thought it was good. I sent the payment of {$270.00} on XX/XX/21 through Zelle to XXXX. I waited a few days and when I didn't get any shipping info, I started to get worried. So I texted back to the text I received for payment and they were " looking into it ''. They asked for confirmation of the payment again which I had already emailed over. I confirmed that via text. Then the communication stopped. They claim online you can cancel an order that hasn't shipped. I've tried that through the site, through email and through text. I got a rep in their online chat to confirm that they had received my request to cancel but, no refund. I've received no product, and no communication and I don't believe I ever will again. Their " business '' email is XXXX. I called the phone number associated with their firearms license and confirmed with the actual owner of that number that it had been stolen from him. He's been contacted many times by other buyers who tracked him down from his FFL number and he confirmed that I had been scammed, he is in no way affiliated with this website. I shared all of this with my bank, XXXX XXXX XXXX, who initiated a claim on my behalf. They've just confirmed though that they will not refund my money as no error happened on their end, they initiated the transfer. I've also reported the site to the FBI and filed a claim with Zelle. There should be some sort of notification when you're transferring funds that there's no protection. I thought that my bank would protect me when I reported wrongdoing. Ha, nope, no such thing.
02/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32817
Web
EARLY WARNINGS is currently in violation of FEDERAL LAW. EARLY WARNINGS has obtained my personal, private and confidential information without my consent and in doing so EARLY WARNING has committed identity theft. EARLY WARNING is currently furnishing fraudulent information on a investigative consumer report using my private, personal and confidential information without my consent, knowledge or authorization. These practices are in violation of 15 USC 1681a ( 4 ) because a consumer has a RIGHT to privacy and all consumer reporting agencies must respect that RIGHT. EARLY WARNINGS has violated my RIGHT to privacy by furnishing any information on me as a consumer without my consent, EARLY WARNING has NEVER received ANY consent by myself to have, obtain or use my personal information. Pursuant to 15 USC 1681a, a consumer report agency is " any person which, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ". According to CONGRESS in 15 USC 1681a EARLY WARNINGS is a consumer reporting agency and must adhere to all sections of the Fair Credit Reporting Act [ 15 USC 1681 ]. This also means that EARLY WARNINGS must adhere to subsection 15 USC 1681b ( a ) ( 2 ). EARLY WARNINGS may furnish a consumer report under the following circumstances and NO other : ( 2 ) " In accordance with the WRITTEN instructions of the consumer to whom it relates ''. I am the consumer to which this alleged information relates and I have NEVER given written instructions for EARLY WARNINGS to furnish ANY information nor have/use/obtain my personal, private and confidential information. I am gravely unnerved by EARLY WARNINGS BLATANT disregard for FEDERAL LAW in these matters. These violations of FEDERAL LAW clearly and conspicuously disclose EARLY WARNINGS WILLFUL NEGLIGENCE/NONCOMPLIANCE WITH FEDERAL LAW, in violation of 15 USC 1681o.
02/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 775XX
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, While checking my most recent report that your company maintains under my social security number, I noticed credit inquiries that I did not authorize, made by the following companies Inquiries : XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX A PART OF XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX A PART OF XXXX Date XX/XX/XXXX XXXX XXXX A PART OF XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX A PART OF XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX A PART OF XXXX Date XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my report that your company maintains under my social security number. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : Your Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
08/28/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75082
Web
Early Warning Systems was notified in Early 2018 that I was a victim of Identity Theft. At the time of reporting the incident I listed off the information that was fraudulent and that should be blocked. As the FCRA has laws to protect consumers of fraud. My Wallet was stolen and in my wallet was my social security card, drivers license and even my email address. My Address was also forwarded from these crooks at the time. I reported this to the FTC and sent Early Warning Systems a FTC Affidavit explaining the crime that occurred. Additionally EWS intially blocked the information but later readded it? This information is still fraudulent and I still did not authorize this. Please block the fraudulent information listed for XXXX XXXX XXXX Routing # XXXX Account # XXXX. This account list an address XXXX XXXX XXXX XXXX, TX XXXX. I have not ever lived at this address. It is also important to note I have already reported this account to XXXX XXXX as identity theft. This account was only opened after my wallet was stolen and could not be recovered. You have been notified of the crime and should not be placing fraudulent information back on my consumer report AFTER already blocking. THIS ACCOUNT IS FRAUDULENT. Please block this account, as this is fraud. Additionally the Inquiries listed below are fraudulent. These have not been removed and have not been blocked. I did not authorize these either, Also I am requesting a security freeze be placed on my Early Warning Systems Report, as well as a Fraud Alert. Inquiry XX/XX/2018 XXXX - NOT AUTHORIZED. Inquiry XX/XX/2018 XXXX XXXX XXXX - NOT AUTHORIZED FRAUDULENT. Not Permissible. Inquiry XX/XX/2018 XXXX - Not Authorized. Inquiry XX/XX/2018 XXXX - Not Authorized. Inquiry XX/XX/2018 XXXX XXXX XXXX - Not Authorized. Inquiry XX/XX/2018 XXXX - NOT AUTHORIZED. Inquiry XX/XX/2018 XXXX XXXX - NOT AUTHORIZED. Inquiry XX/XX/2018 XXXX - Not authorized. Inquiry XX/XX/2018 XXXX XXXX - NOT AUTHORIZED. Inquiry XX/XX/2018 XXXX XXXX - NOT AUTHORIZED. Inquiry XX/XX/2018 XXXX - NOT AUTHORIZED. Inquiry XX/XX/2018 XXXX XXXX - PA - NOT AUTHORIZED.
02/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Old information reappears or never goes away
  • TX
  • 77083
Web
Hello, on XX/XX/XXXX, I opened a bank account with XXXXXXXX XXXX. They had a XXXX Zelle Registration policy, so by XX/XX/XXXX, I registered with Zelle and used Zelle to transfer between parents and lawn man. It is usually used when parents need money the majority of the time as it is quicker and doesnt have to be home to go and withdraw as I travel for work constantly. So, being able to send them when out at work is convenient. I have been using XXXX XXXX without any issues with this service but when XXXX XXXX had a cashback card, and better savings went with them. But on Late XX/XX/XXXX, Dad tried to send me money and had issues receiving the money. Ive tried contacting both Zelle and XXXX XXXX and unlinking Zelle from XXXX XXXX and still the same issue. The issue is that XXXXXXXX XXXX has flagged other accounts on those that have opened up Zelle after XX/XX/XXXX, because of a new user agreement, even though the one that was agreed upon was different and attached. I havent done anything different than on my XXXX XXXX account. The freeze on my phone and email have yet to be released even though I am confirmed that it is removed from XXXX XXXX and be able to be added to my previous bank account. XXXX XXXX says that should not be any issue that I have caused and all within the agreement, and Zelle wont say much about why. I tried asking XXXX XXXX, and they say they dont see what and that it is blocked. I am currently talking to XXXX XXXX to cancel the account and have been trying to get Zelle back to XXXX XXXX as they dont seem to cause issues when using the account, but because of XXXX XXXX has not provided the reason why I can search and see but I don't see why when nothing has changed except bank accounts. Not sure if having dad and me having the same name is causing issues as well but should not as we go by a bit differently to avoid situations. I have attached screenshots of the chat from XXXXXXXX XXXX After researching found that Zelle is Early Warning Services , LLC, so hope they do provide the necessary response and solution to this issue and stay within the agreement.
01/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 95648
Web
I received a copy of my consumer report from Early Warning Services which contained me personal information from XXXX XXXX XXXX XXXX ( XXXX ). The accounts I hold with XXXX are personal checking and savings accounts. The terms and conditions for XXXX XXXX XXXX XXXX XXXX state on pages XXXX & XXXX that XXXX DOES NOT share personal information with nonaffiliates. Early Warning Services is a nonaffiliate. XXXX and Early Warning Services intentionally violated my federally protected rights and my rights as a resident of California by sharing and disclosing my personal information without my written consent or seeking to obtain my written consent. Specifically, XXXX and Early Warning services violated 16 CFR 313.1 which states in part that it is the policy pf Congress that they must protect the security of my nonpublic information. They also violated 15 USC 1681b which states that my personal information can only be furnished without the written consent of the consumer which is me. They also violated 15 USC 6802 which provides the specific steps that XXXX ad Early Warning Services should have taken with respect to their obligations to protect my personal information. They also violated the Privacy Act of XXXX. They also violated 17 CFR 248.6 and 17 CFR 248.7. These violations are subject to monetary compensation paid to me immediately under 15 USC 1681n and 15 USC 1681o. It is also afforded to me under the laws of the state of California, specifically XXXX, and The California Financial Information Privacy Act ( FIPA ), Financial Code 4050-4060 which limit the sharing of personal information off consumers by banks to 3rd parties and nonaffiliates which Early Warning Services is a nonaffiliate. Other laws provided by the XXXX, FTC, XXXX, XXXX and the state and federal offices of the Comptrollers are charged with enforcement and oversight of these violations. As such, California state law allows for monetary damages for each violation. As precedent, as of on or about XX/XX/XXXX, XXXX XXXX XXXX just entered into a settlement for numerous violations of consumer laws for {$3.00} XXXX.
12/16/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • 11423
Web
From XX/XX/2021 to XX/XX/2021, I received phone calls from a number purporting to be a XXXX representative ( XXXX ). This number is actually a XXXX fraud number, and I was tricked into believing that the person on the other line was actually a XXXX representative. The person provided me a name and an employee ID number and notified me that my Zelle account was hacked and that someone had tried to perform an unauthorized wire transfer. I logged into my Zelle account on my own and discovered that it was in fact hacked by someone named XXXX, and so I had further reason to believe that the person on the line was someone from XXXX. He provided me information about my address and the location that I was in, and at this point I was convinced that I was talking to a Chase representative. The person on the other line told me that there was a hold placed on the supposed wire transfer, and in order to retrieve the money back, I would have to Zelle money to myself using my phone number to my phone number. To be more clear, I was using Zelle to send money directly to my own cell phone number. Although it seemed strange, I believed that this was alright because I was sending the money to my own phone number which should have been associated with my XXXX and Zelle acount. On XX/XX/2021, I sent {$2000.00} to myself. On XX/XX/2021, I sent another {$2000.00} to myself. On XX/XX/2021, I sent {$1200.00} to myself. In total, over the course of 3 days I had supposedly sent {$5200.00} to myself. I called this phone number directly during this time period at a separate time, and it took me to XXXX 's answering machine, so I knew this was a XXXX verified number. However, on XX/XX/2021, I had called the number again and this time spoke to an actual representative. After telling her the details of my case, she informed that this was a scam, and the scammer had masked their number using an actual XXXX number. She helped make a real claim to return my money. However, on XX/XX/XXXX, I received notice from XXXX that my disputed funds were not approved and that I would not be receiving my money back.
04/10/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • XXXXX
Web
OnXX/XX/XXXXI filed a dispute with XXXX XXXX XXXX on some information I saw on my consumer report. On XX/XX/XXXX, I received a letter stating the information was verified and nothing would be changed. I called in because my request to them stated that I had no knowledge of these accounts and they need to send me whatever documents that they verified their reporting with. Instead they sent letters basically saying it's been verified without the proof that's required according to the FCRA. XX/XX/XXXX I called in and got a rep named XXXX who told me that they have no right to see any documentation from the banks, " they just report it! '' He went on to tell me I should instead call the banks. I told him that I did have plans of contact the banks on the report, but as a CRA XXXX XXXX XXXX was supposed to not only see signed documents prior to reporting this false data, but they were also supposed to be able to provide in the event of a dispute.I realized that he didn't really understand the severity of what he was admitting on that recorded phone call so I asked for a supervisor. He told me that a supervisor was not available at the moment and I told him I could hold. He said I could hold and ended the call.XX/XX/XXXX I called back in to EWS got a rep named XXXX. When I asked her for a supervisor she offered to help me in attempts to deescalate the call. She was more crafty than XXXX with her wording, but offered the same option to contact the bank directly because " they have no business seeing things between me and the bank ... they only report it. '' It seems that's all they train their reps to say. So hear I am to file a complaint in hopes of getting these accounts that were started without my knowledge off of my XXXX XXXX XXXX consumer report. It is unfair and unlawful to report inaccurate information that has such great impact on consumers. I am asking that you not only intervene to make XXXX XXXX XXXX investigate the accounts they report and obtain verifiable proof, but to also make them aware of what federal laws apply to them as a Consumer Reporting Agency.
02/14/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 32259
Web
On Sunday XX/XX/XXXX at approximately XXXX XXXX I purchased a firearm, a XXXX XXXX XXXX XXXX XXXX, from XXXX, a website recommended to me by the ATF when I became an FFL. Ive used the website on many occasions, and have never had an issue. I always check the seller 's rating and that they are verified ( have a green check ) by XXXX. I received a " Congratulations!! '' email confirmation from XXXX that the order was complete, I received a second email telling me to send a copy of my FFL to the seller, which I did immediately. The seller reached out to me via text at XXXX XXXX from phone number XXXX to finalize the order, and provided an email address : XXXX to send a Zelle payment for a total of {$1300.00} ( {$1200.00} for the XXXX, {$90.00} for sales tax and {$40.00} for shipping ). I had never sent money using Zelle before, but because it was offered on XXXX 's website, I felt a level of safety, so I set up Zelle with XXXX XXXX XXXX and began the process. I was still a little leery, but my concerns were assuaged when prior to pressing submit a notice appeared that the transaction would be held for 24 hours for security purposes, this alleviated my concern, so I processed the payment ( I took a screenshot just in case there was an issue ). Then the next morning on Monday XX/XX/XXXX, I was contacted via email by XXXX that the sellers account had been compromised and that they were canceling the transaction and I shouldnt send any money. I contacted Bank XXXX XXXX immediately, who, after an hour and four transfers to four different departments, started with the first person telling me the payment hadn't been sent and there was still time to cancel, to the final person telling me that they can't stop Zelle from sending the money, all they can do is submit a request, even though the payment still showed as Processing ( screenshot attached ). I've attempted to file a claim with Zelle, but they require a Payment ID that I am having great difficulty finding, so as of yet I've not been able to speak with anyone at Zelle I can provide screenshots of all correspondences
07/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • GA
  • 30046
Web
Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a serious matter regarding my banking history and the inaccurate reporting made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX & XX/XX/XXXX, I became a victim of fraud, where unauthorized transactions were conducted on my account with [ Bank XXXX XXXX XXXX XXXX XXXX XXXX The matter was promptly reported to your institution, and I provided all the necessary documentation and evidence to support my claim. Following the investigation, it was determined that I was wrongfully accused of the fraudulent activities that took place. However, despite the resolution of the fraudulent incident, I have recently discovered that [ XXXX XXXX XXXX XXXX XXXX XXXX has reported my name to Early Warning XXXX XXXX XXXX XXXX XXXX difficulties in opening a new bank account elsewhere. This has caused me undue stress, financial inconvenience, and the inability to access essential banking services. I kindly request your immediate attention to rectify this matter and ensure that my name is removed from the XXXX XXXX XXXX XXXX XXXX I believe it is essential for your institution to update the inaccurate information provided and issue a formal notification to XXXX XXXX XXXX XXXX requesting the removal of my name from their records. Moreover, I request that you provide me with written confirmation once the necessary actions have been taken to rectify the situation. Additionally, I expect a reasonable timeframe for the resolution of this matter, considering the impact it has had on my financial well-being. I trust that [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX take immediate action to rectify this situation, ensuring compliance with the Fair Credit Reporting Act ( FCRA ) and restoring my financial reputation. Failure to address this matter promptly may leave me no choice but to exercise my rights under the FCRA, including seeking legal remedies available to me. Thank you for your prompt attention to this matter. I look forward to your prompt response and a resolution to this issue.
10/23/2023 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Other transaction problem
  • NJ
  • 07304
Web
On XX/XX/XXXX, XXXX XXXX deducted {$1800.00} from our checking account. Our monthly statement described this as a Zelle dispute ( see attachment " XXXX XXXX sttmnt '' ). I only learned about this from an email informing me to check my bank account Letters and Notices section, in which I found an e-letter informing us of the deduction. A phone call with XXXX Customer Service the next day revealed our apartment tenant had fraudulently claimed that her rent payment of XX/XX/XXXX via Zelle was an unauthorized transaction. Neither XXXX nor Zelle have been forthcoming in disclosing alleged attempts to contact us about this claim. Zelle was wrong to believe ( or were they scammed by? ) the person claiming the " unauthorized transaction '' ( XXXX XXXX ) because 1 ) The lease term was from XX/XX/XXXX to XX/XX/XXXX ( see Attachment Lease ), and the {$1800.00} was a legally binding, due payment received from the tenant, dated XX/XX/XXXX. ( Subsequent rents for XXXX and XXXX are overdue. ) Note the tenant did not claim the transaction was unauthorized until 2 months after we received the payment. 2 ) Also, there was no dispute to which we were a party, until the {$1800.00} was deducted. Why did Zelle not contact us to notify us of this dispute and to allow us a chance to clarify the original payment 's legitimacy? 3 ) Finally, On or about XX/XX/XXXX, I telephone Zelle to inquire why this happened. They told me that Zelle the app is completely separate from Zelle administered through a bank, and told me to direct all queries to XXXX. They refused to provide any further information. From our point of view, Zelle, in forwarding or even making an institution claim or request, is complicit in aiding a fraudulent claim. We appeal to Zelle to conduct its transaction here like it does many transactions : the money a payer makes to a payee is usually gone. This should apply to our tenant 's payment to us -- she was the payer -- and NOT to us as the rightful recipient of a through-Zelle payment that got reversed for what are even now unjustifiable and unexplained reasons.
01/07/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NJ
  • 088XX
Web
On XX/XX/2020 a lot of transactions happening on Zelle " Failed '' due to a system issue by Zelle. This was a glitch in the system that happened on XXXX XXXX 2020 maybe because of the date or year. I regularly receive rent money via Zelle and money is debited from my tenants bank account ( which is XXXX ) and deposited into my bank account ( XXXX XXXX ) within a minute and shows up in the Activity section of Zelle app. But on XX/XX/2020 when my tenant sent me {$1800.00} in rent via Zelle through their XXXX XXXX app the money was sent to Zelle but Zelle had a glitch in their system and they sent me an email saying payment was delayed. The payment was delayed for few days and then the Customer Support of Zelle said that payment was marked as " Failed '' on XX/XX/XXXX and that the money will be returned back to the sender 's bank account who is my tenant. The sender has not received the money back as of XX/XX/XXXX and I had the sender contact their XXXX XXXX to followup with this " Failed '' Zelle payment but XXXX XXXX insists that money is sent and I have it in my XXXX XXXX. I have not received the money in my bank nor do I see it in Zelle app and asked for written confirmation via email from Zelle telling that this payment failed. I am attaching that email as proof of failed payment. Right now the issue is that XXXX will not return the money back to the sender who is my tenant so she can pay my rent which was due XX/XX/XXXX. Nor will Zelle send money to my bank since they say money has " Failed '' to transfer. Right now the money is in a limbo situation where both XXXX XXXX and Zelle and my bank XXXX do not know where the money is. This is just my story and there are a lot of other people like me who are complaining on twitter. This is a serious issue as from my and sender 's perspective money is lost and both parties ( XXXX and Zelle ) are playing blame game and not resolving the issue. Here is the link to twitter where you can see people are complaining and attaching screenshot of that as proof. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/22/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77054
Web
On XX/XX/XXXX I filed a compliant for Early Warning Services for reporting information without my written permission and that I wanted to appeal what XXXX XXXX XXXX had placed an reported on my Early Warning Consumer report stating That my account was closed do to " suspected fraud '' which has put my life and quality of life under complete distress, because I can not open any bank accounts because of this I have also previously filed a compliant with XXXX XXXX XXXX asking them to validate this accusation of " suspected fraud '', and their response was that I did not follow the " overdraft policy '' Which during the time I was getting a direct deposit bi weekly of {$2500.00}, on a Monday of a week I was getting a direct deposit I paid a bill which overdraft my account of about XXXX which that Friday they took along with the overdraft fee, and the following week my account was closed without notice.. hence them reporting me to Early Warning for Suspected Fraud. How is it Fraud to use Overdraft protection that I signed up for and was paying for. I have never been accused of anything like this with any other banking institutions, and I explained all of this to Early Warning Services, The first Early Warning Agent I spoke with after I filed the compliant on XX/XX/XXXX stated that I had 5 accounts with XXXX XXXX XXXX, thinking someone was using my information I filed an FTC report and sent it to them so they blocked the information but after speaking with a different Early Warning agent, they stated that I did'nt have 5 accounts open, but 5 disputes. I was beyond livid with this miscommunication because I never stated the account wasn't mines I just wanted to dispute the validity of the information and challenge there reporting for not having my written permission to report anything on their consumer reporting site. The information remains holding me back from opening any accounts, I am weary of having to go through all of this when i know and XXXX XXXX XXXX knows I did not commit fraud on my account someone needs to hold them responsible.
07/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 34974
Web
Reference Case number : XXXX Account number ending XXXX Closed Charged off. I received a letter dated XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX. This letter was pertaining to fees that were charged per the letter " when a restraint was present on the account. Per the letter, " the restraint may have prevented deposits to and/withdrawals from the account ''. Per the letter, " As a result we ( XXXX XXXX ) are enclosing a check for {$730.00}. The letter had a contact number that I called in between XXXX XXXX XXXX. I spoke with XXXX at XXXX ( XXXX ), she directed me to call XXXX XXXX at XXXX, I spoke with XXXX XXXX XXXX XXXX customer service agent ), he offered me an additional {$500.00} for the inconvenience, but I declined. XXXX XXXX incorrectly reported that the closed checking account ending in XXXX with a balance owed, thus, damaging my XXXX XXXX. I believe that I am entitled to relief, for each XXXX ( XXXX XXXX XXXX ), minimum of { {$1000.00} } per violation and because their action caused adverse action as it pertains to employment and my way of life, I ampunitive damages due to gross negligence. I have spoken to a number of Executive Office Case Specialists. This is also Breach of their privacy policy as the incorrect information was reported to EWS ( Early Warning Services ) consumer reporting agency and caused adverse effects. I would also like to file a complaint to EWS ( Early Warning Services ) for reporting incorrect information within my public profile. I have attached both adverse effect letters from the creditor. I ask that the CFPB levy a substantial fine against XXXX XXXX and satisfy the open invoice as it relates to my research of this claim.Both XXXX XXXX XXXX XXXX along with EWS ( Early Warning Services ) have violated my rights- In accordance with the fair credit Reporting act XXXX Account XXXX XXXX has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
07/25/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • FL
  • 32953
Web
This is a complaint regarding Zellepay.com. Someone closed my account without my knowledge. I contacted Zelle to determine what transactions may have been done without my permission prior to the account being closed. Zelle stated that since my account was closed they were unable to provide any recent transaction information. As a result, I am unable to determine the extent to which my account may have been accessed or used without my authorization. I opened an account with Zelle a year or so ago. The last authorized payment I received through Zelle was XX/XX/2021. On XX/XX/2021 my XXXX cell phone number was ported without my authorization. On XX/XX/2021 someone attempted to access by binance e-wallet without my authorization. On XX/XX/2021 someone attempted to use my credit card without my authorization. On XX/XX/2021 I decided to close my Zelle, XXXX and XXXX accounts due to security concerns. On XX/XX/2021 I was unable to login to my Zelle account in order to close the account. When I contacted Zelle via their customer service phone number I was told that the account had been closed. I never received an email notice from Zelle that the account had been closed. I asked Zelle to provide information about the most recent transactions ( basically, any transactions that may have been attempted or took place on XX/XX/2021 to XX/XX/2021 ). The customer service rep stated that since the account was closed they were unable to provide any information regarding recent transactions. Without knowing what transactions may have been attempted I am unable to determine whether someone attempted, or gained access, to my Zelle account without my authorization. I do believe the account was accessed without my authorization because the account had been closed without my authorization sometime after XX/XX/2021. I am contacting CFPB in an effort to receive information from Zelle regarding any access to my Zelle account on or after XX/XX/2021 and any transactions that may have taken place or been attempted on or after XX/XX/2021 to XX/XX/2021.
02/27/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • CA
  • 90405
Web
On XX/XX/XXXX, I used a banking app called XXXX, owned by Early Warning Services, to send money to my sister in the amount of {$250.00} from my bank account, via my debit card. The app states that the receiving person should receive notification of the transaction within 30 minutes. We waited but my sister never received the money or any notice of the transaction within her XXXX account. I called XXXX to verify and they told me the transaction processing was controlled by the issuing bank and they couldnt cancel or reverse the transaction. I could see the transaction as PENDING on my online banking. Since it was a holiday weekend, I waited until XX/XX/XXXX to see if the transaction reversed. But it did not reverse, the transaction posted and the money was removed from my account. By this time, my sister still did not have the funds or access the funds. I made repeated calls to XXXX, as did my sister, and they advised that her email address, to which I sent the money, was affiliated with her an old bank account, not her current bank account. The old account had been closed many years ago. XXXX advised my sister to call her bank and reassign the email address to her current bank, which she did. After doing this the money still did not post to her account. I called XXXX again and was told that if a recipient does not claim the money sent to them within 14 days then it will be returned to the original sender. So, I waited until XX/XX/XXXX but by then the money still had not been returned to my account. I phoned XXXX on XX/XX/XXXX, and they told me they can not return the money and I have to file a claim with my bank. I then called my bank on XX/XX/XXXX and filed my claim. As of today, XX/XX/XXXX, the Claims Dept of my bank ( XXXX XXXX ) has told me they are at the mercy of XXXX and it is up to them whether or not I get my money back and they can not guarantee any success. XXXX, and therefore Early Warning Services, has stolen {$250.00} from me and has no recourse for me to get it back efficiently. This is unacceptable and a form of theft.
04/06/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MI
  • 48382
Web
I had an exercise bike listed on XXXX marketplace. A " buyer '' contacted me wishing to buy and asked if I accepted payments via Zelle. I texted back that I did not have an account but knew that my bank XXXX participated. The buyer said she really wanted the bike and would wait while I set up an account ( informed me it was reasonably quick ). I did so and gave her the particulars to forward the payment of {$250.00}. I received an email from " Zelle '' ( their logo and seemingly their script ) stating that I received {$250.00} but it will not be released immediately as I do not have a business account. I would have to have a transaction in excess of {$500.00} in order to qualify. I relayed this information to the buyer who was completely disappointed because her brother was ready to drive over to pick it up. She asked if she sent an additional {$300.00} in order to qualify, would I refund the {$300.00} immediately. I agreed, received another email acknowledging that and returned {$300.00} to her. Checking my bank balance I saw no activity. I was then notified ( again by Zelle logo email ) that " excess payments '' were accidentally sent and I was credited an additional {$1000.00}. The " buyer '' asked that I return the {$1000.00} as well. I now realized this to be a probable scam. I stated my suspicion to the buyer who proceeded to harass me when I stated I was going to XXXX and ask for assistance. I did so and XXXX told me I needed to wait until the funds sent ( {$300.00} ) were settled as withdrawn from my account. Seems strange that they have the account destination and could put it on hold but they insisted it go through before acting. I returned and filed a dispute when it cleared and in days received their answer that there is nothing they can do. In today 's XXXX XXXX XXXX there was an article specifically about Zelle and such scams ... with this script being highlighted as occurring often. In other words ... they know they have a problem and should have taken action when I described my situation if indeed it is that common.
08/23/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • IN
  • 464XX
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zelle Corporate Headquarters Subject : Urgent Matter - Fraudulent Activity on Zelle Account Dear Zelle XXXX XXXX, I hope this letter finds you well. I am writing to report a serious issue involving fraudulent activity on my Zelle account, which I believe requires immediate attention and resolution. I recently discovered unauthorized transactions that have taken place using my Zelle account credentials. These transactions were not initiated by me, and I suspect that my account might have been compromised or involved in a scam. The unauthorized transactions have caused a significant financial loss to me and have raised concerns about the security of my account. I kindly request that your team investigates this matter promptly. It is crucial that the fraudulent transactions are reversed, and the necessary steps are taken to secure my account from further unauthorized access. I understand the importance of cybersecurity and customer protection, and I trust that Zelle takes these matters seriously. To assist with your investigation, I have included the following details : 1. My Zelle account username : n/a 2. Date of unauthorized transactions : NONE XXXX. Description of unauthorized transactions : NONE 4. My contact information : Email Address : XXXX Phone : XXXX I would appreciate it if you could keep me updated on the progress of your investigation and the steps being taken to resolve this issue. Additionally, if there are any actions I need to take on my end to enhance the security of my account, please let me know. I am confident that Zelle 's customer support will handle this situation promptly and efficiently. I urge you to prioritize this matter due to the financial and emotional distress it has caused. I am hopeful that we can work together to resolve this issue and restore my trust in the security of my Zelle account. Thank you for your immediate attention to this matter. I eagerly await your response and a resolution to this distressing situation. Sincerely, XXXX XXXX XXXX
07/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30228
Web Servicemember
I have submitted documents to this consumer reporting outlining the full extent of Identity Fraud when it comes to me. On XX/XX/2023 I submitted a dispute to Early Warning Consumer Services ( file # XXXX ) concerning the fraudulent account and inquiries that are being reporting under my personal identifying information. I talked with someone named XXXX and later some other rude woman who basically told ne verbatim that even though I submitted documentation concerning fraud, that they were going to do what they wanted and continue to report fraudulent information until I make the XXXX Police Department and the USPS Inspectors give me a police report without them conducting an investigation to see what happened to my mail. I submitted incident report numbers and a City of XXXX Police Department incident report. I also explained to them the consequences of continuing to reporting information that has been verified as fraud 15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be fumished on my consumer report as they are in VIOLAT Under, 15 U.S Code 168 1b - Permissible purposes of consumer reports ( a ) IN GENE Subject to subsection ( ) any consumer reporting agency may furnish a consumer report under the follo wing circumstances and no other : ( 2 ) In accordance with the WRITTEN XXXX INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates their rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. EWS has blatantly disregarded the FCRA as well. Providing access to personal information through credit bureaus without my consent.
04/05/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NC
  • 27513
Web
On XX/XX/XXXX, I found a home online through XXXX posted for rent. I submitted a request for more info and was contacted by the alleged owner on XX/XX/XXXX with information about who they are and why they are renting their home as a first time landlord. I filled out an application and was told they had approved me, and they sent even more information about them including family photos and IDs. I thoroughly researched everything they sent me and matched it to property records, reverse image searched the photos, and more. I felt comfortable enough to proceed with leasing the home based on what I found and what I was given. After signing an agreement I was asked to send the money for the security deposit through Zelle which is connected to my XXXX bank account. I sent XXXX separate payments totaling {$1600.00} between XX/XX/XXXX - XX/XX/XXXX to this person using Zelle through XXXX. XXXX weeks later on XX/XX/XXXX, I discovered the person was a scammer who had done this to other people across the U.S., and was impersonating the owner by name. I contacted Zelle immediately after speaking to XXXX and spoke to several reps regarding my situation. All in the same day, twice they referred me back to XXXX, and during the third conversation they finally stated despite any proof, police reports or claims, they are unable to reverse the transactions and would not be able to help recover my funds. They said it's because the transaction is " like cash '' even though it was initiated directly through my bank. This is a regular scammer who has already been known to do this, and will continue to commit these crimes as Zelle has made it clear at this point they will do nothing to prevent it, will continue to allow it to happen and will not help their direct consumers in recovering their lost funds in these unfortunate situations. This has also prevented me from being able to move as planned as the funds I lost were specifically for moving, which is all the more important to do now as I am unsafe with this scammer knowing where I currently live.
07/06/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • VA
  • 22152
Web
I was attempting to sell an item on XXXX XXXX, and was contacted by a buyer ( XXXX XXXX ) on XXXX XXXX on XX/XX/XXXX. He said that he tried to send me money through Zelle, but that I had to update my account to a business account to continue with the transaction. I would have to send him {$100.00} to do so, and I did this through Zelle. I got a message saying that " I have a pending payment of {$220.00} USD. We should be crediting your account now but we noticed the account has been limited and not a business account so it can't be credited so we need you to contact the buyer to send in the amount of {$200.00} USD to your Zelle account so it can be changed to a business account be credited immediately with $ XXXX into your account. '' I sent him another {$200.00} through Zelle. The email he used for Zelle was XXXX and the alias used was XXXX XXXX. The " buyer '' asked for screenshots of my transactions. He also repeatedly tried to call me using XXXX XXXX. I did not answer these calls, as I was at work. I blocked the seller from sending any further messages. I called XXXX that day ( XX/XX/XXXX ) to report the scam. They told me they could not do anything until the money was actually deducted from my account. I called back on XX/XX/XXXX, after the money had left my account, and formally filed a dispute. I also filed a police report with the XXXX XXXX Police Department, and a complaint with the FBI Internet Crime Complaint Center. I received a letter from XXXX, dated XX/XX/XXXX saying that my dispute has been denied. I believe I am protected by the Electronic Fund Transfer Act. In XX/XX/XXXX, the Consumer Financial Protection Bureau clarified its position on banks ' required compliance with the Electronic Fund Transfer Act of XX/XX/XXXX, also known as Regulation E. The CFPB says that " if a third party fraudulently induces a consumer into sharing account access information, '' that consumer should receive the same protections as if the money were acquired from a stolen debit card or other banking " access device. ''
12/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Old information reappears or never goes away
  • PA
  • 19047
Web
On XX/XX/22 I opened a bank account with XXXX XXXX. On the same day I used Zelle to transfer {$1000.00} from my personal checking with XXXX XXXX to the XXXX XXXX account. From XX/XX/22 to XX/XX/22 my account was barely used for little things like paying for my mobile game transactions, XXXX subscriptions, and XXXX XXXX to enjoy some cash back rewards as advertised for this bank account. On XXXX something happened between XXXX XXXX and Zelle where they struck a new user agreement which flagged numerous accounts as being Fraudulent. This effectively put a freeze on my ability to use Zelle with my primary phone number and email address. After waiting a month hoping this issue would resolve itself I proceeded to close my XXXX XXXX account on XX/XX/22 thinking this would fix the problem. The problem still persisted, so I contacted XXXX XXXX and had them remove my phone number from the closed account on XX/XX/22 as advised by a Zelle customer service representative. Early Warning Services LLC known as Zelle still refused to release the freeze on my phone number even after being contacted in a conference call on XX/XX/22 with a XXXX XXXX account telling them my phone number was released and in good standing within XXXX XXXX system. That same date my closed bank account was unenrolled with Zelle and they sent a confirmation email to Early Warning Services LLC. My last contact with Early Warning Services LLC known as Zelle was on XX/XX/22 escalating the phone call to a second supervisor in hopes this matter could be resolved because I should not be bound by this XXXX user service agreement after being unenrolled with a closed XXXX XXXX account. They told me there was nothing they could do that my account is flagged as fraudulent in their systems. This means that Early Warning Services LLC known as Zelle has improperly reported information in their system and refuses to correct it. So now I am writing here to hopefully get this matter resolved formally for myself and many others who are in this situation due to XXXX XXXX.
07/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30038
Web Servicemember
XXXX XXXX XXXX has my old account listed as " Check Fraud '' with Early Warning Systems ( EWS ) '' preventing me from doing anything of importance with financial instuitutions. I contacted XXXX XXXX XXXX, XX/XX/XXXX, where I spoke to fraud, atm fraud, account closures and other departments to get the information I needed to prove my case. After several blind transfers, 4 hang-ups and the rudest supervisor I had ever spoke to with a condescending tone and very nasty attitude towards the situation, I was not able to get anywhere. I disputed the information with EWS in which they were able to prove something I was not, and I am involved. I stated that in XXXX, when my account was negatively impacted, XXXX advised me to get a police report for the incident, but at the time, the police station stated that in order for me to file a report, I needed " evidence '' of what happened and something showing who was actually involved. XXXX had this information but refused to release anythign to me. So, at that time, I said " forget it ''. XXXX was to do a " PROPER '' investigation in which they would have seen I was not responsible for anything negative regarding the account. XXXX failed this investigation and just labled me as the " accused '' because it was " easier '' but not factual. The account actually closed because there was an " electronic '' deposit that wasn't real. I had no way of doing this. How can I, a non-hacker without any hacker access, be able to ELECTRONICALLY deposit money that was never there? I have never been able to do this, and if you look at my banking history, it shows the same. XXXX is now know to be the worse bank for the general consumer. They have screwed a lot of people 's files because of their lackadaisical internal processes that only helps the bank or their top dollar consumers. This just isn't fair, and I need advocacy. I'm starting here after failed attempts with XXXX and EWS. Then, I am writing the attorney general, and last, I will use my own attorney for a civil dispute.
01/12/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 92651
Web
I am a victim of an online scam. Yesterday, Monday XX/XX/XXXX at about XXXX PST I contacted a former school childhood friend of mine via XXXX XXXX XXXX : XXXX ) regarding a post on her XXXX XXXX. It stated, Bitcoin XXXX investment opportunity, contact ( username : XXXX ). So I did. XXXX, I feel that XXXX XXXX 's XXXX account has been hacked and XXXX has scammed me. I have contacted my friend XXXX XXXX through XXXX email and she has not emailed or called me. I transferred via Zelle through XXXX XXXX XXXX {$2000.00}. And I was promised a profit return of {$20000.00} within three hours. I followed XXXX 's instructions; downloaded XXXX app, created a XXXX account and also created an account on XXXX. And then made the Zelle transfer of {$2000.00} to XXXX. At XXXX XXXX on XX/XX/2022 I received an email from XXXX stating, " Hello XXXX XXXX now you need to pay for mining fee because we are mining on your behalf to make your profit. Your mining fee is {$5000.00} and it will be added up to your profit. '' I contacted XXXX and told her that this was not disclosed to me in advance and that I was not prepared to transfer {$5000.00} additional. Additionally, Zelle 's 24 hour limit is {$3500.00}. Therefore I negotiated and said that I would transfer {$1500.00} and pay another {$1500.00} the following day, totaling {$3000.00} for the mining fee. Thank god the {$2000.00} ( which was supposed to be invested ), wasn't accepted by the receiving party. This morning Tuesday XX/XX/2022 I cancelled the {$2000.00} payment and it was credited back to my checking account via Zelle, However, the {$1500.00} has been taken by " XXXX, '' XXXX. I demanded that the funds be transferred back to me. And they wouldn't do so. I've contacted Bank XXXX XXXX Fraud Department Zelle Division, the XXXX XXXX Police Department today and am also filing a claim with the FBI. I have 73 screenshots of the process with the dollar amounts, communications, photographs, etc. if needed. Please help me recover this {$1500.00} that was illegally stolen from me.
10/25/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • IL
  • 604XX
Web
I had an online friend ( XXXX ) real name he told me was XXXX for 2 years that scammed me with a money flip scam over the internet. He was very persistent and kept telling me he had a really big job as a XXXX XXXX and he made XXXX every 2 weeks. He recently bought a house with a girlfriend and that's why he needed money for food. He first asked for XXXX he was giving me options and finally we settled through zelle using my XXXX XXXX XXXX account he got really excited about zelle. I didn't think at the time why zelle but now I found out that zelle unlike XXXX has zero fraud protection. He then said this was my chance to make some big money so I should send as much as I can so then I sent XXXX. He said he would give me XXXX XXXX XXXX on Thursday. Then literally the next day he told me to be a good friend again and send him XXXX dollars so he could take a plane ticket to go see his girlfriend because her mom just had a XXXX XXXX and he wanted to be there for her. He said if I didn't help him with XXXX there was no way he would be able to pay me back but if I did give him the money I got get back XXXX so I thought about it and realized I was already XXXX dollars in with this guy 's scam and was scared because he threatened to not pay me back if I didn't comply so like an XXXX I did again. Right after he scammed me out the money he started avoiding me and blocked my phone number I tried a million times to explain to him that if he needed money he could've just told me and I would've helped him with what I could. But instead he decided to scam me out of all my money and now I feel like an XXXX thinking I could've made XXXX. I tried calling zelle and reporting what happened but they said they can't do anything about it. I tried telling them that I have proof of what he did and they know both or accounts and the proof coincides with the text messages but they want to treat the scam like its not a scam and I just decided to openly give all my money to someone I've never even met with or him using malicious tactics.
08/09/2019 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • FL
  • 32714
Web Servicemember
XX/XX/XXXX {$3500.00} Deposited Cashier Check into XXXX XXXX XXXX XXXX Account and cleared on XX/XX/XXXX XX/XX/XXXX and XXXX {$1600.00} Zelle Shipper Fee in 3 separate transactions So as it turns out I was scammed, I posted my vehicle to be sold online after negotiating a price with the buyer I receive the following response Sounds good, I would like to make an outright purchase but i'd be paying through cashier check as it comes from my salary account, I can add {$50.00} for holding it for us. The shipper pick up after check cashed and cleared at your Bank. Me not knowing what I know now I assumed this was just as good as cashed so I agreed. I received the check priority mailed and deposited into my account I advised the buyer, we agreed once the check cleared Ill send {$150.00} via Zelle for the shipper payment so they can pick it up and the rest XXXX response Good, Shipping fee as quoted by my shipper is added on the payment sent to you, You are to deduct your money + extra {$50.00} for holding fee and have the rest wired to my shipper, We will await payment clearance before pick up.Thanks and let me know if i can trust you to handle the situation. You split the money into two, firstly send {$900.00} and send the remain {$750.00} in few minutes now and get back to me with the screen shot of confirmation to me so that I could forward it to the shipper for the pick up ok. After having issues with my bank I was finally able to send the funds thinking this would be the best way as at the time I assumed Zelle provided protection. Later the seller stated something came up and could not go thru with the sell and asked I refund him I stated no sale is finally kept getting push back and at this point is when the radars went off. I called Zelle to stop the payments as it was pending couldnt i explained the situation, trying to get ahead of it they stayed if not cancelled in seconds nothing can be done! I will never use Zelle again, its like the intentions is to support the ones who are running these scams.
09/12/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MD
  • 20716
Web
I received a check through the mail last XX/XX/2021 as payment for artworks that I have made. The amount that I received was {$2300.00}, more than the amount that I asked for, {$400.00}. I tried depositing the check with my XXXX XXXX XXXX XXXX, but it was not going through. I also tried depositing it through ATM, but it said it can not accept the check. So I proceeded to the bank, and initially asked why it was not going through. According to the teller, the computer was not telling why but they deposited it anyway. The amount reflected on my account, and the scammer told me to send over the money. I was confident about the amount in my account because the teller from the bank deposited it and it was fine. I was able to send a total of {$1400.00} through Zelle in multiple transactions and {$890.00} in total through XXXX in two transactions. Last XX/XX/2021, I called the bank because of the negative amount in my checking account. I called multiple times for them to tell me that it was a bad check and I was responsible for it. They said they could not do anything about it. In one of the calls, an agent suggested for me to make a dispute on Zelle and XXXX. I contacted the person whom I sent money to through XXXX. They said they will refund the money. As of the moment, I have received alert that I will be able to get {$400.00}, but no update yet for the remaining {$480.00}. I also reached out to the person whom I sent money to through Zelle named XXXX XXXX with Zelle email XXXX. He claimed that he did not know me, and that his Zelle account was hacked a month ago. He also claimed that he is not using it because he can not log in. I have also filed a report through Zelle. It is the most unhelpful report system that I have ever seen. There is no case number and no date to let me know any updates from the report. It also said that " for security and privacy purposes, results or actions of our investigations will not be provided. '' How am I going to even get an update, or event track my report?
01/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30016
Web
This has By far been the absolute worst Experience ever. Im a victim of identity theft. Being treated like the one. Ive been violated in the worse ways ever because of this fact. From Tax returns to Bills and Vehicles. Because of this Im recovering from XXXX. I was made aware of several accounts and loans have been opened in my name. Banking institutions as well and they have placed abusive and derogatory remarks on my profile. Making it extremely hard and nearly impossible for me to live and provide for my children as Im a single mother of XXXX. Im trying to hard not to fall back into XXXX but this is really hard. I dont feel I should have such things placed on my public profile. Being the fact that Im a know victim of ID THEFT. Because of that Ive been on a never ending quest to restore my name and reputation. These remarks are abusive and not true & Theyre causing grave hardships and I fear irreversible trauma on my mental XXXX. Two weeks ago I submitted an application to open up an account and it was approved. They sent a letter stating that I was denied due to being in 3 party data base called XXXX. I called the number given after waiting for 20 minutes. I was Advised that I was in fact in their system with two banks. Reason being fraud!! Im devastated ... I cant function with this information on my public profile and its fraud. Im a business owner and I cant conduct my businesses effectively without this cancer being removed. I called to speak with the fraud department and the representative was really disgruntled and impatient. She basically told me I committed fraud although I had no idea what had been done. They refused to give any info and instead sent a letter of debt. This organization would not even tell me what caused the problem. I called the second bank at hand and they too were very rude and I received minimal assistance. They both insisted I owed a debt and refused to assist me unless a payment was made. Please help me I have filed an FTC as well .. XXXX XXXX AND XXXX
05/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 232XX
Web
Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that XXXX XXXX has XXXX XXXX XXXX verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful noncompliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damage for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX
10/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30038
Web Servicemember
I contacted EWS regarding how XXXX was reporting me and that I was a victim of Identity Fraud, but they disregarded my claim and stated that they " verified '' that the information was accurate although I had an active fraud alert on my account. In XXXX, I started trying to clean up my credit due to identity fraud that resulted in XXXX. Ever since, no company ( this company and the others that I will tag in this complaint ) has given me any " REAL '' information proving that I was the source of this debt ... EVEN after I sent several letters, submitted disputes to the Credit Bureaus and the Companies pursuing collections. Without growing weary in the process, I put a fraud alert on my credit reports in XXXX or XXXX that only lasted a short while ( they were recently lifted XX/XX/XXXX ), while I was still telling these companies that I am indeed a victim of identity theft. Have been trying to clean it up for years but these companies nor the credit bureaus helped with the proof that these accounts could possibly be because identity theft. As of XX/XX/XXXX, an Investigator XXXX XXXX of Economic Crimes Detail with the XXXX County Sheriffs Department contacted me to tell me that they caught a female who had the identities of me and other victims that she obtained off the dark web in order to commit fraud using my, among others ', identity. I have attached the letter for review. This letter is dated this year, but I have been claiming identity theft since XXXX, and all the companies I included in this complaint did not assist me with clearing the debt from my name when I gave them specifics on what I was dealing with. I would like to formally file this complaint that these companies failed to help protect me as a Consumer and now I am looking to start legal actions with all who did not perform their due diligence in proving that I was or was NOT a victim of identity theft nor did they validate any of my debts or their allegations which proves that they did not perform the correct procedures.
12/19/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • LA
  • 700XX
Web
On XX/XX/XXXX, I spoke with customer service representative by the name of XXXX. I explained to her that I wanted to OPT OUT of my personal information being given to 3rd party nonaffiliates. She ( XXXX ) instead of assisting with my VALID request, she ( XXXX ) asked how did I hear about there company and who referred me. When I answered her question she ( XXXX ) then indicated she could not assist me with my request, as the do not provide Opt Out option. However, according to the law you are required by law ( 12 CFR Part 1016.4 ( a ) ( 2 ) to provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to consumers before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 1016.14 and 1016.15 of this part. 12 CFR Part 1016.7 indicates you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 12 CFR Part 1016.7 ( g ) also states that you must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. As of today, XX/XX/XXXX, I have not received a privacy notice or Opt Out notice from Early Warning Services , LLC. Per 15 USC 6805 and FCRA and as a federally protected consumer, I am requesting to opt out of any and all authorizations reporting of my personal data to anyone without my prior written consent, immediately and permanently. Any further sharing of my personal data will be in violation of my rights under the Privacy Act of 1974.
08/02/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • 11212
Web
On XX/XX/XXXX I paid my last bit of four increments of {$4300.00} ( XXXX XXXX XXXX XXXX Dollars ) to an alleged broker/landlord. Upon finding the listing on XXXX, I contacted the phone number which they had listed as " ( XXXX ) XXXX. The listers name was " XXXX ''. I advised him I had interest as such in viewing the apartment. He suggested I go to view it in person. He wouldnt be able to make it due to other listings he has to show other potential buyers at other locations he has for rent. He told me that I can go in person with the lockbox code in which will grant me access to view. Upon doing so, I went on Saturday, XX/XX/2019 at XXXX XXXX on XXXX XXXX XXXX XXXX NY XXXX. I viewed the apartment with another companion, I liked the apartment, I then called XXXX to inquire about the process to move in. He advised I should fill out lease application in which he will send me via email. The email is " XXXX '' " XXXX XXXX '' is the landlord and emailed me the lease application. I filled it out. I then emailed it, I was told to send deposit to secure the apt . I sent the money via ( " ZELLE '' ) She confirmed delivery of funds. I havent heard from them until Thursday XX/XX/XXXX in an email reply to my original email inquiring on the lease I was promised. I wanted to know why the past couple days, I was guaranteed to receive it, but had yet to receive it. I then got more leary, I was told verbatim, it bounce back but assistant was supposed to send it day prior. I have been " taken '' a victim of fraud a scam. I am a mother of XXXX young children, trying to provide shelter for my children and myself, a student and full time worker, I really hope that this matter can be escalated and resolved. Thank You very much. Post all the events that transpired, I looked at the apt online today, I see an adjustment in the listing price by XXXX $ more, also a whole new contact number. I have all references, a witness, texts emails, phone calls, pictures, and transaction ID time and date.
11/18/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • TX
  • 76180
Web
I hired a husband/wife by the name of XXXX XXXX and XXXX XXXX to perform renovation work on my home. To start the renovation work they requested XXXX to purchase materials and in return I requested their credentials and XXXX license. During the city permit request process, I realized the XXXX license number provided by the couple belonged to a dead person. I notified the couple and requested return of the XXXX I paid them through the ZELLE APP available through XXXXXXXX XXXX account. They disappeared with my money and I proceeded to open a police report which is actively being investigated by a detective with the XXXX XXXX XXXX police department as A FELONY CHARGE. I also notified chase bank and ZELLE of this theft by deceipt criminal act by XXXX XXXX and XXXX XXXX. I was also able to confirm that the XXXX payments I made went into a verified bank account which belongs to XXXX XXXX. A verified account means ZELLE and XXXXXXXX XXXX have vetted and authenticated XXXX XXXX. XXXX ) So why is ZELLE and XXXXXXXX XXXX not looking at the balance sheet? XXXX ) Why is ZELLE and XXXXXXXX XXXX allowing XXXX XXXX and XXXX XXXX to steal from customers by condoning these criminal acts being performed through a verified account? XXXX ) ZELLE policy is not available on the XXXXXXXX XXXX app, why is XXXX endorsing and advertising a service that they did not get themselves? XXXX XXXX and XXXX XXXX are thugs and utilizing verified bank account for their malfeasance which means the bank is condoning their criminal acts. This criminal act by XXXX XXXX and XXXX XXXX did not take place in a foreign land, it happened here in the United States and I am sure this is not the first time XXXX XXXX and XXXX XXXX have utilized a dead person 's XXXX license information to steal from people. Their account should be flagged for fraudulent activity. ZELLE and XXXXXXXX XXXX are no different from the the XXXX XXXX XXXX XXXX because they are all liable, lack accountability, and XXXX fraudulent acts.
12/08/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • FL
  • 32208
Web
XXXX XXXX XXXX has reported incorrect/damaging information on my consumer report. The report is a defamation of character as it gives the impression I commit fraud- NOT TRUE, and I do not pay my debt- NOT TRUE. My account was closed XX/XX/XXXX original reason was Closed For Cause-Purged Previous Account Status : Closed For Cause. XXXX advised I owed a debt, XX/XX/XXXX I paid the debt then the creditor updated my information as paid- ( after me calling back to back for a year to get this correct ) however they also updated the information stating the closure reason is now account fraud as of the payment date XX/XX/XXXX. This caused all my account including auth accounts to be restricted, unable to use a debit card, and all my benefits and loan opportunities from my bank were dissolved. This information has severely impacted my financial health and my life. Early warning have been notified i have filed disputes, they have not provided any information as to how this can be accurate. XXXX XXXX XXXX as well as early warning both have class action lawsuits in the works, and have lawsuits pertaining to this. XXXXralish v. Early Warning Services , LLC FILED : JUNE 17, 2022 Becker v. Early Warning Servs Early Warning Servs. v. Grecia STEWART v. EARLY WARNING SERVICES In June of 2017 a federal lawsuit was brought against BOFA, Ruane v. Bank of America, this situation is very similar to mine. I have filed a complaint years ago detailing how the reporting left me homeless and caused severe harm to my physical and mental well being due to the financial distress I was placed under. I need this resolved. I can not afford to take care of my family. I cant afford life saving meds. Please remove this report or update it fairly. This is evil, its not fair, its not right, its wrong to treat people like this. This is not fraud on my part but on both XXXX and Early warning for wrongfully reporting this information, especially waiting until after receiving a payment from me. This is a shame.
01/26/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • 11204
Web
On XX/XX/2023, I was contacted by XXXX XXXX XXXX ( with Drive-thru ATM ) informing me of withdrawals and deposits under my name. Not having an account with them, I was told the account would be closed and told to call a number, XXXX and told to call what I was led to believe was Zelle services. Their representative lured me into sending money under the guise it was a transaction code meant to cancel any transactions with them and to inform my bank of any potential problems. So they told me to input a code using the number XXXX and to the recipient XXXX. They informed me it would send an alert or email to my registered email or phone number with my bank. Of which nothing happened. They then informed me to do so again with what I thought was another code XXXX also to the the same recipient. They told me no money would be transferred and it was a formality. The name under enrolled was " XXXX XXXX '' and when asked who that was, I was lied to and told that was an accountant with that account. In Zelle, there were no confirmations but when performing both of these actions, it prompted a different type of confirmation from my debit/banking service requesting my PIN which has never happened before when using Zelle, further confusing and leading me to believe in what was happening as a legit process/formality. Looking at the pending transactions initially at XXXX instead of the numbers requested I assumed it was harmless until I look at the actions completed and the amounts of the numbers input XXXX + XXXX totaling {$1900.00} was withdrawn from my checking account. They informed me they would call back because it seemed like a technical error at which point I realized I had just been scammed. Calling back the respective number I had just called only confirmed, I had been scammed/tricked and that the number I called at the behest of somebody pretending to be from XXXX XXXX XXXX ( with Drive-thru ATM ) and then pretending to be from Zelle were indeed fraudulent scammers.
05/05/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • CA
  • 90723
Web
On XX/XX/2020, I attempted to transfer one thousand dollars ( {$1000.00} ) from XXXX XXXX through Zella, the money was never received into the account in which it was supposed to be deposited into, my joint account with XXXX XXXX XXXX. I have used this service many times with smaller amounts and the transfer has always been successful. I have contacted every institution that has connection with this issue ( XXXX, Zella, XXXX XXXX XXXX and XXXX XXXX ). My visit to XXXX XXXX XXXX, information disclosed that the money was sent to XXXX XXXX. We have never had an account with XXXX XXXX, so we tried to reach out to XXXX XXXX and I was redirected to the XXXX for service. I spoke with XXXX who said there is nothing she can do without an account. I explained to her the situation and she refused to help. I asked if I could speak to manager, she stated that the manager would tell me the same thing and refuse to allow me to speak to manger and this took place on XX/XX/XXXX early morning. I contacted XXXX and claim was filed three time and they denied each time. XXXX disclosed that XXXX XXXX was involved but could not and would not give me any information regarding the money being sent to XXXX XXXX. I asked if they could investigate the account that it was sent to and they refused to help. I spoke with one XXXX who is the claims supervisor who was very rude stating its not their problems and basically do what I need to do without there assistance. I cant believe they would have someone representing XXXX XXXX in that matter. All of the claim agents from XXXX XXXX was insensitive to the {$1000.00} dollars in limbo through this murky banking triangle. I have been speaking to XXXX daily since XX/XX/XXXX regarding this matter and no one as of today has been able to help me. I would like to officially file a charge with the employees of this department and do whats necessary so that no one else will ever be subjected to this rude and insensitive behavior and lose money this way.
02/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • FL
  • XXXXX
Web
In 2019 I was new to the country, I was so happy that I got my paper and I could finally be able to work. I didn't know that they could scam you with checks and job offers. I was just happy to be able to help my family. I became the victim of. a scammer, they offered me a job, they sent me a form to fill in, which I clicked and they also hacked my email and computer and took all my information. My " employer '' gave me fake checks and made me do errands for him, all of them were gift cards. I realized a few days later that everything was a lie, when my bank account was overdraft and the money wasn't back, the lady from the bank told me how everything works and I found out I have been scammed, crying and desperate to get back the money, the scammer went away and I took all the evidence to the police, emails, texts, forms and phone numbers. I haven't been able since to open a bank account with my husband and it's extremely frustrating. It wasn't my fault, I didn't take the money, it was somebody that was preying on my goodwill to work and make a living. Not only that, I haven't been able to have a credit card or debit card because of that, now I'm trying to open a business with my husband and this could also be harmful to me and my family 's well being. It has been years and years, I asked a few times that this information is removed from my report, since I was a victim. I'm still a victim. I sent the police report and emails and everything in my power to prove my innocence and to make clear that I want to be free of that harmful information. 15 USC 1681 ( b ) protects me from this fraudulent, harmful and discriminative issues. I have been harmed, discriminated and it's hurting me and my family. I'm asking that all the information regarding fraudulent activity is removed, the late payments that were occurred because of it and all the information that is preventing me from living a normal life, since the company is in clear violation of 15 USC 1681 ( b ).
03/12/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 34711
Web Older American
Today I learned from XXXX XXXX XXXX XXXX XXXX XXXX XXXX that the reason my tenant can not deposit his rent check into my XXXX account using Zelle is because Zelle has linked my profile to a fraudulent account and Zelle has placed a PERMANENT ban prohibiting my accounts from Zelle transfers because of this so called fraud they connect to me and this action can not be appealed. I phoned Zelle at XXXX but they will not even discuss the situation and they refer me back to XXXX. XXXX tells me there is nothing they can do. I have never been involved in any fraud and I have never been notified of any fraud related to me by anyone in my 66 years. My tenant and my significant other are the only XXXX people who have ever deposited funds into my XXXX account using Zelle and that started in XX/XX/XXXX when my tenant XXXX XXXX XXXX, who is elderly, had great difficulty setting it up so my significant other XXXX XXXX XXXX tried to help him. We thought it was all taken care of when the XX/XX/XXXX rent was successfully deposited via Zelle by XXXX payments totaling {$1600.00}. My tenant notified me last week that he is unable to send the XX/XX/XXXX rent into my account via Zelle and his bank indicated the problem was on my end. So, I contacted the XXXX to find out Zelle has linked me to fraud and permanently banned me from use of Zelle without any appeal process. I have been branded by Zelle as a " fraudulent '' recipient of Zelle funds without any communication between Zelle and myself and this is all FALSE. The only XXXX people XXXX XXXX and XXXX XXXX to send money to my account using Zelle have both told me that they have not filed anything identifying me to any fraud. So, I am at a loss at how Zelle can label me as linked to a " fraud '' when it is not true and then refuse to discuss the situation or consider that a mistake must have been made that needs to be corrected, and then ban me for life from using a service provided by XXXX to its members without any recourse.
01/12/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TX
  • 77407
Web
I was selling a mattress on XXXX for {$150.00}. I received an email from an interested buyer. Email shows the following info about him. Name : " XXXX XXXX '' Email : " XXXX '' Phone : XXXX XXXX XXXX XXXX I contacted him over the phone and he said that he is out for work but will send cashier 's check via mail. I was ok with that as I wasn't aware of the cashier 's check scams on XXXX. He sent a cashier 's check of {$1900.00} and mentioned that his assistant created this check to pay the movers {$1800.00} once check is deposited. So, I deposited the check on XX/XX/2020 and waited for the money to be available. The check info is added on the recipient bank above but actually it is the sender. On Monday afternoon XX/XX/2020, the money was available in my account. He messaged me to inquire if the money is available to which I said yes. So, he gave me the address " XXXX '' to send {$1800.00} ( {$1900.00} - {$150.00} of mattress ) to the movers via Zelle. I did that through my bank, which has the option to send money using Zelle. Once I gave him a proof of transaction, he said he will schedule the pickup of mattress shortly. The next day, I looked at my account for a different reason ( second stimulus checks ) and found a hold on his check. I texted him that there was a hold today and he return the {$1800.00} until the hold is removed. He said he would do that. At that time, I felt bad about this situation and searched online to find XXXX scams using cashier 's checks. I was worried but it was already XXXX XXXX. So I waited till next morning to call my bank and report this. I checked my bank and he had not refunded the money which I expected. My bank opened a fraud case and I am currently waiting to hear back on this case. I called him and texted but there is no answer. Zelle and Banks should protect clients from such scams/fraud by allowing revert of transactions that are declared fraud/scams. I have all the info available including the text discussion.
10/05/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • CA
  • 95407
Web
On XX/XX/XXXX my wife tried to transfer {$950.00} to my checking account with a local credit union from her account with a larger bank. The transfer was returned to her due to an authentication issue on my side with the bank payment transfer service Zelle. The transfer failed because I needed to log into my Zelle account to confirm that I can still receive transfers. The email she received from Zelle which was supposed to tell her the transfer was returned did not cause any alarm at first due to the similar wording of the subject to emails from Zelle notifying of a successful transfer. Zelle does not offer the ability to do this from a web browser on a computer unless you bank with a large financial institution such as XXXX XXXX or XXXX XXXX XXXX, and I bank with a local credit union because I've had poor experiences with large banks. If you do not bank with a large financial institution, they require you to log in via the app. The issue here is that the app updated recently and is no longer compatible with my phone, a XXXX XXXX XXXX XXXX, which I've had since XXXX. However, it was compatible until this month. We used Zelle to transfer money this way for almost 5 years. When I called Zelle 's customer support, they told me I need to either get a newer phone, or bank with one of their partner financial institutions. I'm filing this complaint because I think that Zelle 's policy of offering web browser based services only to consumers using large banks is anticompetitive and monopolistic. In addition, the fact that I was not warned ahead of time that my phone would no longer be supported by their app, and that my wife wasn't properly notified of the failed transfer with an email message suitably different in appearance from an email notifying her of a successful transfer, is something with which I take issue. This debacle almost interfered with my ability to pay rent to our landlords, and I think I'm not the only consumer affected by this issue.
09/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • NJ
  • 08854
Web
XX/XX/2022 XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ATTN : XXXX DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ( XXXX XXXX Bankruptcy : Bankruptcy Reference Number : XXXX ) According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT referenced above, you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the original creditor to furnish this information and has previously communicated with me, a federally protected consumer through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as XXXX XXXX, Early Warning, XXXX, and the likes. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. Having the above mentioned information, XXXX is violating my federally protected consumer rights. In addition to that violation you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 USC 1681B ( A ) ( 1 ) ( 2 ). I DID NOT give you neither direct nor indirect permission to furnish my information. I am hereby demanding this entry be permanently removed from my XXXX consumer file and report within 30 days from the day you RECEIVE this letter. Should you choose to be negligent and willfully non-compliant in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against XXXX. Warm Regards, XXXX XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
04/28/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30291
Web
This is a direct reflection of me which was not done by me. I was not made aware of the fraud until my current bank advised me my account was closed again without warning due to reporting of fraud by XXXX & EWS . This is preventing me from communicating with other financial institutions.I 've advised XXXX XXXX XXXX this was done by an ex who had access to all of my information/devices. He also was aware of personal information & passwords. I also filed police reports after the XXXX XXXX XXXX XXXX account closing on him that were not directly related to this issue but the nature is the same. He has a history of doing this to women & I have proof dated prior to me being made aware of the fraud reporting. I told the representative I spoke with I am not interested of filing a new police report months after the fact but I do have reports which show him doing these same thing with my account at another financial institution. I told them I would rather proceed with the information I have since I am no longer involved with this person and filing another report would cause another arrest warrant. Personally I 've been through enough financially, mentally & physically and would like to have this resolved asap. The investigation was opened XXXX with XXXX XXXX XXXX XXXX and still has yet to be assigned to an investigator. My account was not closed with a negative balance and it has been verified that none of the signatures on the mobile deposit checks match eatchother or my signature. I do n't understand what the hold up is. First I was told XXXX days now I 'm being told 60 days and was hung up on today after requesting to speak with a manager. Whoever noted my account from the check fraud department dated today XXXX was very rude & gave me general information without taking the time to even look into my file. If she had she would not have mentioned the need to review bank surveillance since they were mobile deposits.
01/06/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 91604
Web
Hi there, We have a business checking account with XXXX and just want to report a scam. We sent some funds to someone via Zelle and it turns out this person was not who they said they were : My boss saw an ad at XXXX for a golden retriever puppy in XX/XX/2019. She reached out to the " sellers '' to say she was interested in purchasing. Seller responded with some information on the puppy -- age, he has hip issues, amount for purchase. Seller said they were located in XXXX and could drive puppy down to XXXX XXXX that weekend but they would need a {$200.00} deposit. They requested she send via Zelle. We sent the funds but started questioning information given by the seller. We did some online sleuthing and found that the XXXX address they said they live at does not exist. Seller said they made a mistake in the address and gave us a different street number. That address is a real location but now we're suspicious. Did some more sleuthing and found a XXXX account and XXXX page used by the same email address we sent Zelle funds to. This person 's XXXX page indicated that they currently live in Texas. XXXX confronted them via text about it and the guy eventually came clean that they are in Texas and there is no puppy. We filed complaint with XXXX. XXXX took our complaint but said there's nothing they can do to recover the funds since we authorized the transaction even if it was sent to a fraudulent person. We asked XXXX if they could contact the receiving bank to let them know one of their customers was pulling a scam and XXXX said they can't even contact the other bank about it. We tried to call Zelle as well and just got the robot customer service - can't reach a live person. We understand the money is gone but just want these people listed as frauds somewhere. XXXX couldn't even give us the name of the bank that the funds went to so we could call them ourselves. We'll try to make a police report now but not hopeful that will do anything either.
09/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • NJ
  • 08854
Web
XX/XX/2022 XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISPUTE/CLIENT RESOLUTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Bankruptcy Reference Number : XXXX ) According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT referenced above, you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the original creditor to furnish this information and has previously communicated with me, a federally protected consumer through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as XXXX XXXX, Early Warning, XXXX and the likes. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. Having the above mentioned information, XXXX is violating my federally protected consumer rights. In addition to that violation you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 USC 1681B ( A ) ( 1 ) ( 2 ). I DID NOT give you neither direct nor indirect permission to furnish my information. I am hereby demanding this entry be permanently removed from my XXXX consumer file and report within 30 days from the day you RECEIVE this letter. Should you choose to be negligent and willfully non-compliant in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against XXXX. Warm Regards, XXXX XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
07/05/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • OH
  • 440XX
Web
the person reached out on XXXX XXXX on XX/XX/2023 to purchase one of my listings. The payment was to take place on XXXX XXXX - this would be to ensure the transaction would have refund insurance/security. - I had never used this service before, and when the payment price of {$770.00} was sent over, " XXXX XXXX '' reached out and told me that because I had never used this service before, the account needed to be upgraded to a business account. The upgrade verification required the buyer to send {$300.00} additional dollars, which I would have to refund before I would have access to the initial {$770.00}, but would then be granted {$50.00} extra dollars as a compensation benefit for the upgrade. " XXXX XXXX '' then notified me that because my account was not yet verified, both mine and the buyer 's XXXX accounts have been locked- this meant that I had to send the refund via XXXX XXXX Zelle XXXX or XXXX, and then send " XXXX XXXX '' proof of refund for them to review and confirm. once the refund was confirmed, I was told my account would be unlocked. I sent payment through Zelle and sent " XXXX XXXX '' confirmation of the refund. Once this happened, the business replied with a pending review email and then followed up with another email claiming the buyer sent a duplicate {$300.00} payment, and that because of the account being locked, the charge could not be canceled. This meant I now had to send another {$300.00} refund to unlock my account. ( this portion felt very fishy, but given the emails were coming from a XXXX customer support email address, and the links within the emails connected to my XXXX account, along with the branding matching other XXXX emails I received in the past, I followed through with the transaction. ) Once, this transaction took place, and I did not receive a response from " XXXX XXXX '' I knew it was a scam. I reached out to the buyer and they were extremely hostile in their responses, then ended the conversation.
04/18/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • KS
  • 660XX
Web
I met this guy on XXXX XXXX, his name on XXXX was XXXX XXXX and had quite trustworthy profile. He had previously shipped an item through XXXX and had around XXXX seller reveiws. He seemed like a mature guy and had a wife and XXXX kids. He was selling XXXX XXXX XXXX. I was looking for such a phone so I ordered it through XXXX XXXX. He reached out to me when we negotiated on the price and asked me to cancel the order because if I placed the order through XXXX, they will make him wait to receive the money. He then asked me to transfer the money through Zelle to his account after which he will send me the XXXX. He gave me his Zelle address which was XXXX where his name appeared to be XXXX and I transferred him {$450.00} under the confirmation number XXXX. He said his brother also has XXXX in his name but they both prefer XXXX. He said he will send the phone and created a shipping label and sent me pictures of the phone in the box. He told me he will send it through USPS and provided me with the tracking number. He also told me to expect the phone by Wednesday the XXXX XXXX XXXX. I often checked the tracking number on USPS website but it always said label created USPS awaiting item. I got worried around Monday as he could create a label from anywhere. I texted him and asked to check the status of the shipping to which he responded that he would once he reaches back home but he never did. I texted him again after a while and he did not read the message. I tried to go to his profile but at this point when I clicked on his account a page popped up which said content not available. He either blocked me or deactivated his account, since he got the money. I am a student and absolutely can not afford to lose {$450.00} like that. I tried talking to my bank but they said they can not do anything regarding scams. He initially gave me a number too just to gain my trust. This is the number he provided XXXX, I tried calling this number but he won't answer.
02/18/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • CA
  • 92335
Web
Hello, I am here to explain to you guys the crazy week ive had. On XX/XX/23 I paid an email given to me by a small local contractor business for property management through zelle. The email given to me was misspelled and I sent XXXX different payments to this misspelled because I did not know it was misspelled. XXXX payment being {$3500.00} on XX/XX/23 and the other being {$1000.00} on XX/XX/23 through Zelle. I bank with XXXX XXXX XXXXXXXX and have contacted this issue and was told to contact Zelle but Zelle said nothing can be done. The small local contractor business was never paid and told me they had misspelled the email and had apologized to me. I have worked with this company before and they are very apologetic for what happened with their error. I am here because under Regulation E I am entitled to my rights as a consumer. The money in total of {$4500.00} was sent to the wrong email which is XXXX which was not the correct email it was supposed to be sent to. I wanted a charge back or some sort of reach out to that bank to have my money returned to me so I can send it to the correct person which is XXXX ( XXXX ) XXXX. I have contacted XXXX and have not received an answer back and I believe they are keeping the money, and are most likely spending it illegally without my consent. I did not authorize that person to receive my funds, it was intended to a whole other purpose but a small mistake of a misspelled email is why I am here. Please I need your assistance in receiving my funds back in order to pay the company I intended to pay. I have evidence below of bank statements and Zelle confirmation numbers to help you investigate my case. I have also requested the money from incorrect Zelle that I sent it too, but I have been left ghosted for my request of money I had sent. Hope to hear from you guys soon as possible, I really need my funds back, especially the person who received my funds had no obligation to receive or spend my money.
02/23/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • AZ
  • 85710
Web
I am emailing your good office to ask for assistance. I have just been recently scammed by someone named XXXX XXXX, through a rental scam. My husband and I were looking for properties to rent so we, along with our XXXX kids, can move in. He had advertised on XXXX, and I, with no prior knowledge and in good faith that he is trustworthy, trusted him. We viewed the property and he sounded sincere in the phone so we decided to send him a {$150.00} application fee, something which I had filled out online, to a Zelle account that is not under his name. He told us that we would have the key to the unit once we give him the security deposit. Since we have been desperate to finally have the place, we sent a {$1000.00} security deposit to that same Zelle account he had provided and he soon after provided a lease agreement which I started to doubt due to the format of the lease agreement. He then proceeded to ask us for more money, now saying we needed to pay a {$330.00} utility fee for the realtor to install utilities and {$120.00} to pay for the lease agreement, so I can sign the lease agreement. This morning, XX/XX/2023, I had asked him if its possible for him to refund the amount after he texted me early in the morning to send him the payment for the utility fee and lease agreement fee to a different Zelle account, something which I have not managed to get from him. I will be providing all the emails and contact information he has used to communicate with me, in hopes that you will find this man and help us get back our money. Both my husband and I are currently students and the money we used to pay the man and planning to repay the man in the future, were savings we have saved up to rent our own place. XXXX XXXX Email address : XXXX Number used : XXXX, XXXX Name and email he used for Zelle : XXXX XXXX, XXXX Please contact me for any more information J can hopefully provide you in hopes of catching the person. Thank you and God bless
09/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • NJ
  • 08854
Web
Letter submitted to XXXX on XX/XX/XXXX via XXXX online dispute portal XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX ATTN : XXXX DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ( XXXX XXXX Bankruptcy : Bankruptcy Reference Number : XXXX ) According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT referenced above, you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the original creditor to furnish this information and has previously communicated with me, a federally protected consumer through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as XXXX XXXX, Early Warning, XXXX, and the likes. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. Having the above-mentioned information, XXXX is violating my federally protected consumer rights. In addition to that violation, you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 USC 1681B ( A ) ( 1 ) ( 2 ). I DID NOT give you neither direct nor indirect permission to furnish my information. I am hereby demanding this entry be permanently removed from my XXXX consumer file and report within 30 days from the day you RECEIVE this letter. Should you choose to be negligent and willfully non-compliant in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against XXXX
10/25/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 91387
Web Servicemember
I was tricked into sending money using Zelle. Two different amounts to two different accounts. Probably wouldve kept going if I didnt finally figure it out. The amounts were {$200.00} and then {$250.00}. It all happened the evening of Sunday, XX/XX/2022. I immediately called my credit Union ( XXXX XXXX ), and was only able to leave a voicemail. The next morning ( XX/XX/XXXX ) I went directly into my local branch to report the scam. I provided screenshots of the conversation with the thief, and the email exchange I had with the fake Zelle agent ( s ). Basically the scam went like this : I was selling an item on XXXX XXXX. An interested party inquired about it, and wanted to immediately send me money for it. I was selling my item for {$240.00}. I then received an email that looked like it was from a Zelle agent, saying that someone was trying to send me {$240.00} but that I was not allowed to receive more than {$200.00} without a business account. So in order to upgrade my account to a business account, I had to send the Zelle agent {$200.00}. I did that and then there was some kind of refundable deposit I needed to fund my new business account. Yes I feel dumb now, but he got me to send another {$250.00}. And since the total of the second fee he was trying to get me to pay was {$500.00} ( {$250.00} that night and {$250.00} the next morning ). I started getting suspicious. I then XXXX zelle sending limits, and saw {$500.00} not {$200.00}. Also the XXXX XXXX of the person was somewhere in XXXX. Anyway, I reported to my credit union promptly, and reported it to Zelle on their website. Havent reported it to the FBI cyber crimes site yet, although I tried once, but the site wasnt working. Is there any way to get my money back or track these thieves down? My bank just said the other party denied my claims for the 2 amounts. So now Im coming here for help. Please let me know if you need my screen shots and the fraudulent Zelle agent emails.
07/12/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • 11801
Web
On XX/XX/2019 two transfers were posted to our account at XXXXXXXX XXXX, one for {$1400.00} and the second for {$300.00}. Both transactions were made using the Zelle XXXX payment service and both were sent to a XXXX XXXX. The {$1400.00} transaction has a reference number of XXXX and the {$300.00} transaction has a reference number of XXXX. On XX/XX/2019, we noticed the suspicious charges, notified the bank of the charges, and asked to restrict all access to online banking. They complied with our request and initially reversed the charges while they investigated. However, they later notified us that they believed the charges to be legitimate and reposted them to the account. We believe that the suspect was somehow able to gain access to our online account and initiate the transfer. Because we could not resolve this issue with our bank, we have filed a complaint with the FBI 's Internet Crime Complaint Center ( IC3 ). Proper protections that could have mitigated or eliminated risks were not put in place by either XXXX or XXXX XXXX. We had never before heard of XXXX, had never used it before, and were not aware it was even a service offered by our bank. We were not notified when the payments had been initiated, even though this was the first time the service was being used from our account. We were also not notified by chase when two large electronic transfers were simultaneously posted to our account within minutes of each other, something that is usually considered a red flag. XXXX XXXX XXXX, the president of the company that owns Zelle is quoted as saying we remind consumers to only use Zelle for transacting with people they know and trust '', however the service allows you to instantly transfer money to absolutely anyone. If they were actually concerned with fraud protections and security, it would be fairly simple to implement a control that allows users to only send money to accounts and people that were added and confirmed.
02/26/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • DC
  • XXXXX
Web
I was trying to sell furniture on XXXX. A buyer sent me a certified check for {$1700.00}, which initially cleared my bank account on Thursday, XX/XX/2019. Part of that money was for movers to come for the furniture. On Thursday, XX/XX/2019 after it appeared the money had come through they asked I transfer {$1400.00} via. Zelle. Since I use Zelle through my XXXX XXXX app, I thought it was secure and protected. On Friday, XX/XX/2019 they claimed they didn't want the furniture anymore and requested the rest of the money back, minus {$50.00} " for my trouble. '' I sent the remaining {$300.00} to the same user on Zelle before realizing it was probably a scam. I called XXXX XXXX, who asked me, " Well, what do you want us to do about it? '' and directed me to talk to Zelle after confirming that the certified check was bad and would eventually bounce. Zelle lectured me on how their service isn't secure or insured and said there was nothing they could do. I pressed them and they said they would try to contact the receiving user 's bank. I gave them the transaction numbers for each transfer and they told me that they didn't think I was giving them correct numbers because there weren't any letters in them ( like I could make this up ). When I asked Zelle for a tracking id number for my case and what my next steps were they seemed very confused and said I didn't need to worry about it because they would work with my bank to figure it out - they were very dismissive and rude and as a victim I felt very shamed. When I contacted XXXX again, they said that wasn't the deal, and they would have no part in investigating this. I feel like I'm in a bad feedback loop that I can't get out of, and it's all the worse since I used Zelle through my bank 's app, and both parties just blamed me for being dumb, which frankly, isn't helpful or what I need right now. I will NEVER use Zelle again and I'm telling all my friends and family to not use it either.
05/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • XXXXX
Web
XXXX XXXX XXXX has confirmed that the account on their records is the result of identity theft and fraud. Unfortunately, our experience with XXXX and Early Warning Services has been nothing short of frustrating and disappointing. These agencies have been belligerent with our private and personal information and have refused to properly investigate and remove the fraudulent item from our records. Despite multiple attempts to reach out to XXXX and Early Warning Services, they have not provided us with a satisfactory response or conducted a proper investigation. This leaves us with no choice but to demand the removal of the fraudulent account from our profile. The actions of XXXX and Early Warning Services are in direct violation of federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines, as specified in USC Title 15, Chapter 41 and 12 CFR Part 1022, respectively. These laws require that credit reporting agencies conduct a reasonable investigation of disputed information and promptly correct any errors or inaccuracies found. Furthermore, the failure of these agencies to comply with these laws not only puts consumers at risk of identity theft and fraud but also causes them significant harm and financial loss, which is a violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E, as specified in USC Title 15, Chapter 41, Subchapter II and 12 CFR Part 1005, respectively. As such, we demand that XXXX and Early Warning Services not only remove the fraudulent account from our profile but also provide compensation for the emotional distress and financial hardship caused by their negligence. We call upon these agencies to take immediate action to rectify the situation and comply with all legal requirements. We will not stop until our consumer rights are upheld, justice is served, and we are fully compensated for the harm caused by their actions.
08/26/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 76134
Web
On XX/XX/2021 ago my maternal grandmother XXXX XXXX XXXX of XXXX XXXX, TX XXXX attempted to loan me {$400.00} for last-minute moving expenses as a result of an eviction. Of course this was already surprising and taxing considering I thought there was a current eviction moratorium. At any rate, shortly after trying to send me the funds via Zelle, my grandmother got a notification that I had received the funds. I assumed that all I needed to do was login to the Zelle XXXX ( which I may have used once or twice in the past - in my entire life ) and attach a debit card to get to the funds. Upon trying to login, I got repeated error messages saying I needed to contact Zelle customer service regarding my locked account. I called the listed number and was told by the auto attendant that call volumes were high and to expect a 45 minute wait. I stayed on hold for around 6 minutes before I had to disconnect to finish moving. Obviously, being in the middle of an unexpected move, I didn't even have those 6 minutes to spare let alone at 45+ minute wait the auto attendant kept telling me to expect. I've attached a screenshot with the error message as well as one while I was on hold to get in touch with Zelle support. At any rate, I never received the funds from Zelle and to my knowledge, don't even have an open account with them. The only time I ever remember using it was to pay for a computer from a guy off XXXX at least 4 years ago, and I distinctly remember it being cumbersome and annoying at that time, and hadn't actively tried to use it since then. Again, I never received the funds from Zelle and ended up having to jump through even more hoops to borrow money to complete my unexpected move. Digital wallets are supposed to be exactly that and this is FRAUD on Zelle 's part - pure and simple. My grandmother 's funds need to be refunded and I can assure you I won't ever try sending nor receiving funds with Zelle ever again.
03/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77004
Web
As I stated and outlined in my previous Affidavit of Truth which I attached to my previous CFPB complaint about Early Warning Services , LLC. This fraudulent and illegal organization is attempting to be deceptive with their responses, delays and tactics. Not only have they continually broken federal laws by violating my cease and desist letter. EWS is purposely deflecting and lying by stating in their recent correspondence that they are in receipt of my disputes. I never included any dispute in my last official communication with them which was my Affidavit of Truth they received and signed for on XX/XX/2021. I only included my demands within my remedy which is my right as the federally protected consumer and natural person. They have said they are declining my request to pay my invoice which is deceptive and false once more. My invoice was not a " request '' but rather a demand pursuant to federal law. All details of this issue at hand have been included in my first Affidavit of Truth and my second one attached below. In my second Affidavit of Truth attached below in which I have updated my invoice to reflect all of Early Warning Services , LLC violations of federal law. This includes all the ones I initially missed and all their federal law violations over the last five weeks alone. Any questions they could have about their illegal wrongdoings are all clarified in both my Affidavits of Truth. They received and signed for my second Affidavit of Truth on XX/XX/2021. This is officially my second step I have taken in my private administrative process with Early Warning Services , LLC. Forward my Affidavit received today to all senior executive leadership and your legal team. I am giving EWS a chance to resolve all their flagrant violations of federal law by delivering my outlined demanded remedy. I have again not made any " disputes or request '' in my second Affidavit of Truth but only demands as is my right by federal law.
09/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • CA
  • 91356
Web
On XXXXXXXX XXXX I submitted a request for my consumer report from Early Warning Systems through the secure transfer portal at https : //consumerservices.earlywarning.com. I believe XXXX has violated the law of the CRA and California State Law as they were supposed to send me my report within 5 business days. Attaching proof from their website below. Along with denying me access to their site after requesting my report, also a violation. After no response for several days, I logged in through their secure transfer portal to check the status. It showed the request and documents were viewed and read by an associate, and even included the associates name. However, I received no reply. I sent another request, asking why my initial request was ignored. In another day or so, I tried to log in again to check the status, and my log in suddenly did not work so I tried to reset my password, and the request was denied. It seems they had disabled/locked me out of the system for requesting my report. Attaching all the proof below. From the XXXX website. " Consumer reports will be provided to residents of the below states in accordance with state laws : XXXX XXXX : 4 business days XXXX XXXX XXXX XXXX : 5 business days XXXX : Promptly '' " Please return your completed, signed and dated Consumer Identification and Certification Form and a copy of one form of identification ( Drivers License, ID Card, Passport or other government issued identification ) to Early Warning by mail, fax or uploaded to our Secure Transfer Portal. '' " To communicate electronically with us, via the Transfer Portal, go to https : //consumerservices.earlywarning.com. When prompted for the Early Warning email address, enter XXXX. Follow the instructions on the screen to create your User ID and password, and to upload the documents to be transmitted to Early Warning. If you need technical assistance with the Transfer Portal please call XXXX '' "
10/29/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • SC
  • 294XX
Web
I posted via XXXX that I was interested in purchasing XXXX XXXX tickets for a show in XXXX, XXXX On XX/XX/19 I was contacted by a seller that had tickets. We bartered and came to an agreement for {$120.00} per ticket or {$250.00} total on XX/XX/19. The seller sent pictures of his XXXX account and the 2 tickets he was claiming to sell. He claimed he could send them immediately. The seller wanted to use the app Zelle. He claimed it was safer because it was backed by the big banks. As a consumer I thought this would be one of the safer applications for XXXX payment. I paid the seller for the tickets but the seller never sent the tickets. I have tried multiple times to contact the seller since the initial transaction. The payment was still pending the next XXXX and I immediately contacted my bank, XXXX XXXX XXXX XXXX, to cancel the transaction. They said they couldn't cancel the transaction but that we could dispute the charge. I went ahead and started that process. I contacted Zelle and they said that the app is designed only to pay friends and family and not intended for the sort of transaction I completed. The best they could do was to blackflag the other user. To my knowledge they did this. About a week later my bank sent me the decision that, they could not dispute my charge because it was authorized by me and in Zelle 's terms and conditions the app should only be used to pay friends and family and financial institutions are not responsible. My bank admits I was victim of a scam but claim there is nothing that can be done. I find this policy to be a cop-out for both banks and Zelle. I have researched and seen that when a users Zelle account is used fraudulently, they can reverse those payments. This means that they have the technical ability to reverse this payment. I also feel that my bank should have the resources to figure out which financial institution my payment went to, and can contact them to recoup the funds.
06/09/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 33417
Web
I reached out to CFPB XX/XX/2021 out of desperation for help with this serious matter, I gave my feedback in hopes I would receive some type of compensation in a refund, XXXX logo states ( We Are on your Side ) but the response I received didnt say that It only said my complaint will be put in the database.But that doesnt make this wrong right nor make me whole.what is the process of getting a one refund as I have noticed in some others complaint when they have a victim of scams I had been seeking to find a emotional dog for companionship, I looked into adoption.After searching I came upon what I thought was a legitimate organization on XXXX called XXXX reached out the them and received a response on XX/XX/2021 I told them the puppy I saw on their page and asked if it was available I was told yes, so the guy told me how they transport their puppies and the fees he stated that shots were updated and everything is taken care of he said the fee is {$380.00}. I said ok thinking that was a good fee for the puppy a Frenchbulldog.The guy said they were located in California. So at around XXXX that same day I logined into my XXXX XXXX app and sent the {$380.00} through Zelle which I thought was a safe way to send the first funds. Only to find out I was scammed.Not to mention my bank which is linked to Zelle refused to help they stated they could not help me because I sent the funds on my own, And so I called Zelle and gave them the names of the person the owns the account with them I was told they could only report them but could not refund my money back.I have reached out to Both banking institutions only to be told we cant you.I have done all I know to do the law enforcement can only do so much as scammers use fictitious names so its hard to track them done..I really need your help Im on a fixed income, I thank you for taking the time from your busy schedule and look forward to hearing from your Team.warm Regards
01/21/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 95678
Web Servicemember
XX/XX/2023. I was selling a couch on XXXX and a scammer wanted to Zelle me. I did not know this was a scam hype. I sent the scammer {$200.00} because I thought Zelle was updating my account to business so I could get all the funds. I googled Zelles customer service number and as soon as I called them asking what was happening, they assured me they were here to help. I wanted to know if it was a scam and the representative told me they would help me, but needed to see my screen. I downloaded the XXXX app that screen shares and I was immediately nervous and confused. The representative lead me to believe he was helping me get the full amount, the buyer on XXXX was trying to send me. I told him I dont want that money, its fake, and I want my {$200.00} I sent them given back to me. Then he continued to make me believe that I needed to have all these transactions on file to match some amount that I was being refunded and I yelled at him that it makes no sense but XXXX me, I did it anyway. I Zelled an unknown email with my name on it ( wasnt mine ). I also sent money through XXXX XXXX to a friend. He sent it back and then the guy made me buy bitcoin and withdrawal it! Why?! I called two different Zelle representatives. Both were male, non English speaking, and nice to me the whole time. They drained my account and after they couldnt touch my savings account, they told me Im out of luck and to ask my bank for help. I disputed all transactions through XXXX and ten days later they told me I sent the money so I wont get my money back. ( I saw the documents they sent me but they are no longer there ) The act that protects people like me says otherwise. I was a naive victim to some kind of crazy scam, that I am upset at myself for falling for. That {$1500.00} was not sent for any material or service reason. Update* XX/XX/2023 We called Zelle this morning and they stated there was no record of me ever calling. *
04/07/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NE
  • 686XX
Web
My former complaint number reference : XXXX I want to tell you more about the identity theft that occurred this last weekend of XX/XX/2022 - XX/XX/2022 XXXX XXXX XXXX XXXX only took tech questions from the man who was pretending to be me. They did not ask me personal questions like how many holes are in your XXXX undershorts and what is the brand name ( XXXX holes no brand name it fell off ) They could have asked a number of personal questions that only I would know and all those questions would have to be answered correctly before ANY money is released to ANYBODY from ANY accounts ANYWHERE. And they didn't even use a voice identification which if they would install XXXX and used it, they would have heard that man was not me at all. I got to hear the recording of his phone call to Zelle at my XXXX Bank today. They let me hear it. So you see, many - many - many things could have been done to prevent this from ever happening and it is the company Zelle, XXXX Bank in XXXX, Nebraska, and XXXX XXXX XXXX XXXX 's fault for not using identification questions that are personal and using a voice identification. They are all three negligent. Plus, any XXXX of those places could have called me first at my home phone number that this man does not know to see if it was really me making this transaction. Not everybody has a home phone. I DO! And most people have more than XXXX cell or mobile phone. Again all three of these companies are negligent at my expense. NOT FAIR!! That is why I say, " Get a lawyer to sue all three companies. I can not afford one because I am on Social Security XXXX XXXX, but there could be any lawyer, chomping at the bit to have a case like this. I would win, hands down because of all three companies ' negligence. '' But all three companies argued with me when I told them what they all could have done that would have worked just like I told you, and this identity theft NEVER would have happened.
07/13/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • VA
  • 22407
Web Servicemember
On XX/XX/2023, I received a message from XXXX XXXX inquiring about tires and rims I was selling on XXXX XXXX XXXX for {$600.00}. He inquired about whether I used Zelle for payment. I told him that I did. Then I received a notice from what I thought was Zelle stating that the person that was sending the funds were using a business account and because my account was a personal account needed to be updated to a business account. It stated that the pending payment of $ XXXX. We should be crediting your account now, but funds coming from a business account are pending until the following steps is applied so it cant be credited. We need you to contact the buyer to send in the amount of XXXX XXXXXXXX to your Zelle account so that your Zelle account can be changed to a business account and be credited immediately with XXXX XXXX.Then XXXX XXXX stated that he send the {$300.00} and I had to guarantee him that I would send the {$300.00} fee back to him. Which I did. I was unaware that I was being scammed. I sent the money back from my account on XX/XX/2023, but had a feeling after all the back and forth from XXXX XXXX. I contacted my bank about this being a possible scam.On XX/XX/2023, I received a letter from XXXX stating that there was no error. Also that based on Zelle terms of service agreement or payments for goods, or services. They declined to return the money and that should try to make the effort to retrieve my money from the buyer. I tried to contact the buyer via Zelle making a request for return of funds only to find out that the recipient isnt eligible to use Zelle any longer and to contact the recipient to verify the information is correct. I know that the information is correct as they used the same information to send my money to recipient. At this point I am not sure how to proceed and {$300.00} is a lot of money for me to lose due to this type of scam that seem to spoof XXXX information.
11/02/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Confusing or missing disclosures
  • NY
  • 11201
Web
I have a XXXX XXXX account and was heavily encouraged to use the Zelle feature on their online mobile app. I have spoken to several representatives who assured me throughout the pandemic that it was a safe and effective way to complete transactions. in XXXXXXXX XXXX XXXX I made a plant purchase deposit of XXXXXXXX XXXX and In XXXX I made two payments of XXXX XXXXXXXXusing Zelle on my XXXX XXXX XXXX app as I have normally do. I was supposed to receive the shipment XXXX. when I didn't receive it I called my bank by the XXXX of XXXX to explain the situation. they put a claim in for this and told me I would receive a correspondence on how to proceed. I did not receive correspondence so I called again XX/XX/XXXX. they closed my claim without even telling me why. no correspondence. I filed a new case which they did the same thing. finally in XX/XX/XXXX I call again, XXXX XXXX file another claim. XX/XX/XXXX I called to see what progress was made, I was transfered to more than 6 representatives before one representative said the reason XXXX XXXX kept closing the case is because they are a separate entity from Zelle and I need to speak to a Zelle customer service representative. the Zelle representative said that they as a company contract with all major banks to allow the banks customers use the product for free, but at what cost? I was shocked and confused because I was told so many times that Zelle part of XXXX XXXX banking system. not separate. the marketing of Zelle as one in the same with banks on the app is gross and unfair. they did not disclose that they are not fdic insured on the online app. it says " Send and receive money securely- all you need is an email address or mobile number. '' I feel robbed, cheated and blindsided. I was not made aware that this was not secure and not protected by insurance. if they had made this clear I will have used different means to complete my transaction.
07/17/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • IL
  • 60056
Web
II first I like to explain what is going on on this Pandemic days I as independent home office working from home we need to deal with make transactions online business so I am facing dealing with people who offer services and TRUST them I have 'no choice ' and have to pay at front since they require payments at front to deliver services, to keep going our home business I sent XXXX payments via zelle thinking since zelle is bank to bank transfering money I was protected in case the people dont deliver services I paid {$2900.00} plus {$2000.00} plus {$500.00}, guess what was scam in less than a month I sent money to people i do not know or trust. also they tricked & persuaded me into sending the money, or promised that I would receive something in return that they did not provide after 3 weeks I did not receive services I paid. i file a claim with XXXX XXXXXXXX XXXX but they did not t fix the problem I am very sure more people is having my same issues I had with this people,, I wan to protect other people from been scam like me the worse think is I found out one of this person XXXX XXXX she wet to other bank open a new account and open a new Zelle account she is now using zelle again without no problem she is getting away from the situation easy way she did not provide me services she offered to me she kept the {$2900.00} she went to openened a new account with other bank she is using ZELLE WITHOUT NO PROBLEMS wow wow she get way to play with the finanancial system right>? Im here as a victim no money I have no funds to eve pay my rent because Im broke now due to this lost... total is {$5400.00} zelle coudnt get my money back I like to know the legal reason why zelle coudtn refund me my money from scammers we are dealing with a lot scammers this pandemic days please please Im asking to you to do something asap so XXXX XXXX & the others do not get away from this case, thank you in advance
12/30/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 90274
Web
I used XXXX XXXX to attempt to sell a sports product for {$350.00}. A potential buyer with the XXXX account of XXXX XXXX reached out to me on XXXX XXXX and offered to purchase the product. He indicated his cousin would pick it up in the XXXX but that he would pay me immediately via zelle. I said ok and provided my email that's connected to my zelle account. I received an email from what looked to be from zelle that someone tried to send me {$350.00} but that I was unable to receive it because I did not have a business account. The email suggested I pay an additional {$300.00} to upgrade or have the sender guarantee it with {$300.00} to cover the upgrade. He proposed putting up the {$300.00} so long as I sent him via zelle the {$300.00} right back after. I received another email that this person had upgraded my account to business. I paid him {$300.00} via zelle to the following address : XXXX XXXX XXXX as provided by him. Then I looked for my $ $ $ but instead got another email from what looked like zelle that I needed to pay an additional {$200.00} to certify or insure the money. The scammer claimed zelle was trying to protect both buyer and seller and to do it right away. He then gave me what he called a zelle agent and provided a new address and name for where to send the additional {$200.00}, ( XXXX XXXX XXXX XXXX. He got very aggressive with me via XXXX and claimed that I now had {$650.00} of his money on hold because I refused to pay for the certification. I called my bank and learned that Zelle doesn't require a business account, that it's a scam, but that they don't cover losses for zelle scams. They indicated the person already has the {$300.00} and they can't get it back. Obviously, no cousin ever showed up to pick up the product and the {$650.00} never came to me. The scammer then went silent on XXXX but the messages and his profile or purported profile remain.
11/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 329XX
Web
I had a checking account with XXXX XXXX in 2020 that was hacked and charged for purchases from XXXX that I didn't authorize. I called XXXX XXXX customer service as soon as i noticed the discrepancy and they closed my account, and opened a new account with a new account # for my account safety had been compromised. XXXX XXXX is currently reporting their action as a fraud alert/account abuse on Early Warning. They have 5 ACH transactions listed as evidence of said account abuse that are not accurate or true. I recognize the ACH transactions as deposits from Florida DEO/unemployment for wages they had owed and paid me. On XX/XX/2020 a ACH for {$110.00} reported by XXXX shows a payment stopped twice and I don't know exactly what the transaction is or why it is considered Account Abuse? There are 4 other transactions listed, 3 from XXXX and 1 from XXXX XXXX XXXX XXXX XXXX, in which are deposits made from Florida DEO for unemployment wages owed to me. None of these transactions are fraudulent or attempted fraud, and Ive went to XXXX XXXX on 3 different occasions and spoke with the branch manager in XXXX, Florida. She called someone and I was told that it would be taken care of within 7-10 days. XXXX XXXX has stated a Principle Loss of {$610.00} and Fee Reversal {$140.00}, of which neither are correct or accurate. One ACH on XX/XX/2020 {$250.00} is after the account was closed on XX/XX/2020 which means they may owe me money and a huge explanation because none of this info makes any sense. Ive requested that Early Warnings challenge or dispute this info reported by XXXX XXXX and to date this incorrect or false information is still on my report. Ive received a updated early warnings report, and this info is showing up. I take pride in my financial credit standing, and I hadn't had a checking account in ten years prior to this XXXX XXXX account. So they are the only institution on my report.
05/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30339
Web
The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX XXXX XXXX XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX XXXX XXXX XXXX Acct No. : XXXX Below are the following US Code violations these entities have committed. 16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to a consumer a description referred to in paragraph by not later than 15 days after receiving a request from the consumer for that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show this bank is in direct violation. As Ive yet to be contacted via phone by any of these entities and they continue to report fraudulent accounts to my consumer file. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
10/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30040
Web
In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code 1602 ( p ). Also violating 18 USC 894. Using my TRADENAME without express written consent in violation of XXXX. XXXX Names Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX GEORGIA Docket # XXXX XXXX XXXX XXXX GEORGIA Docket # XXXX XXXX XXXX XXXX GEORGIA Docket # XXXX XXXX XXXX XXXX GEORGIA Docket # XXXX They ( credit furnishers ) have violated my rights, and restraint of trade in violation of 15 USC 1, and 15 USC 2. Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. 15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act. 15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information. ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
04/20/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • VA
  • 223XX
Web Older American, Servicemember
On Sunday evening, XX/XX/XXXX, I did a Zelle Money Transfer from a checking account at XXXX XXXX XXXX XXXX ( XXXX ) to my gardener 's account to pay for work he had done during the week. I originally tried to send {$1700.00}, but the XXXX rules limit the daily amount to {$1500.00}, and I received notice to contact the Zelle XXXX at XXXX in order to verify that I wanted to continue with the transfer. I had a very informative discussion with XXXX personnel. They confirmed that the transfer of {$1500.00} would proceed and that the funds would be received by my gardener 's Zelle account within 3 business days. The {$1500.00} was debited from my checking account on XXXX XXXX XX/XX/XXXX. By close of business on XXXX XX/XX/XXXX, the money had not be deposited to my gardener 's account, but he has received a notice that the transfer is " under review '' and the funds will not be available until XX/XX/XXXX. I know he has called his bank ( XXXX XXXX XXXX and its customer service representative was unable to give an explanation for the delay, saying the delay was with the Zelle system. On XX/XX/XXXX, I called Zelle XXXX and talked to a customer support person. I was told that he could not provide any information on the status of the money transfer because Zelle doesn't keep any personal info and we need to contact our bankers. We're in a circular do-loop now. Zelle seems to be a black box that takes money in at one point and releases it at another point, but the money can't be tracker or accounted for during the transfer. The banks claim that Zelle is the " problem, '' but no one at Zelle could tell me what Zelle does to review the transfer or why it would take over a week to place the money in my gardener 's bank account. Zelle is not providing the advertised quick transfer service and it is making money on the delay in moving the funds. There is something fundamentally wrong here.
10/29/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • MD
  • 20772
Web
On XX/XX/2021 around XXXXXXXX XXXX EST, I received a phone call from someone posing as a XXXX XXXXXXXX XXXX representative. The person identified himself and called from the XXXX XXXX customer service number ( XXXX ). The person informed me that someone in XXXX, Florida by the name of XXXX XXXX was trying to wire {$3500.00} via Zelle from my XXXX XXXX debit card that ended in XXXX The person told me I needed to log onto the XXXX XXXX website. He informed me that the money in my account ( he knew the nickname on my bank account ) was froze. He told me I needed to wire {$3500.00} via Zelle back into my account. Initially I was unsure if the person was an actual XXXX XXXX representative, but since he called from the XXXX XXXX phone number, had my cell number, and knew the nickname on my bank account, I thought he was a real representative. In addition, I am unfamiliar with Zelle. So I followed his instructions and completed four transactions that totaled {$3500.00}. Unfortunately, I provided him the verification code I received via text message. After I completed the transactions, the person immediately hung up the phone. I immediately re-dial the number he called from, which was the number to XXXX XXXX customer service. I spoke to a XXXX XXXX representative and filed four claims. Just fyi, prior to this incident I lost my wallet at a restaurant in XXXX, VA. Therefore, I believe this person had my old debit card number and go access to my personal information and bank account information. The person sent me a message alert via text from XXXX. I received a status update from XXXX XXXX on XX/XX/2021. XXXX XXXX informed me that the bank contacted Zelle to try to get refund on three of the four claims. XXXX XXXX also informed me that the bank is at Zelles mercy and Zelle does not have a specific time frame ( and perhaps obligation ) to respond. This complaint is against Zelle.
12/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77015
Web
In accordance with the Fair Credit Reporting Act, Early Warning Services , LLC has violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978. This entity also violated 15 U.S. Code 1602. Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. It clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. I have communicated with Early Warning Services , LLC supplying them with the following : Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, un-written, verbal, and non-verbal per 15 USC 6802 ( b ). I do not give you permission to access, use nor house my information and any such use is in violation of 18 USC 1028A Aggravated Identity Theft. I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency nor notification that Early Warning Services had possession of my information.
09/05/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • CA
  • 95123
Web
On XX/XX/2019 there was a transfer done from my XXXX XXXX XXXX mobile app, which actually uses Zelle to send the money. The money was not authorized to be transferred as it was done without my consent, however, with it being one of my recipients I thought I could simply ask for my money back. The recipient did not receive the money either. When I contacted XXXX XXXX XXXX XX/XX/19 they basically told me they were not responsible for Zelle and they could not do anything to help me. I proceeded to tell them I did not authorize the transfer and they allowed me to file a claim, but I received three separate letters stating that my claim was denied because it was done from a device that is consistent with previous valid account activity. The letters were dated, XX/XX/2019, XX/XX/2019 and XX/XX/2019. The letter dated XX/XX/2019 stated they were doing further research and it would take 45 calendar days to complete the research. The time has passed and I still have not heard back. I still don't know who received the {$2500.00} that was transferred from my business checking account on XX/XX/19. The only thing XXXX XXXX XXXX could tell me was that the money was sent through Zelle to a XXXX XXXX Bank account. I was not given any other information. On XX/XX/19 I tried to requesting {$2500.00} from the phone number that was used to send the money to originally and oddly, I received a notification stating that the phone number was not registered with Zelle. After researching online I found that Zelle should not have been able to take money out of my account if the recipient did not set up account with them. As of today, I still don't have my money and I don't know who does. Zelle refuses to get back to me and even the branch manager at my local XXXX XXXX XXXX is frustrated with me and no longer can help me she says. I don't know what else to do, but I need my money back. Please help.
01/16/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • NY
  • 11372
Web
This issue pertains to my a ability to use my phone numbers ( XXXX ) and e-mail addresses ( XXXX XXXX ) with Zelle at XXXX and XXXX XXXX where I have my personal and joint checking account, respectively. On XX/XX/2022, my numbers and emails were flagged by Zelle seconds after switching wireless providers. As soon the porting of my numbers was completed, I received an email from XXXX indicating that my number and e-mails had been removed from my XXXX profile. I tried re-adding both my number ( XXXX ) and e-mail addresses ( XXXX XXXX ) but continued to get an error message indicating that neither my number nor e-mail could be used with Zelle. I tried adding a different email but received the same message. I contacted customer support at both XXXX and XXXX XXXX, and they both indicated that Zelle had blocked my ability to use their service with my accounts but were not able to elaborate on the reason. Instead, they referred me to Zelle customer service. I contacted Zelle customer service in numerous occasions but all they do is refer me back to XXXX and XXXX, and once I called my financial institutions, they say that the issue is with Zelle and transfer me back to Zelle, where I am transferred back to the banks. XXXX of the many agents I have spoken to XXXX have mentioned that my numbers and emails XXXX have been flagged due to a violation of Zelle 's terms, but he did not specify which one, nor has Zelle contacted me with an official reason why my information is flagged. I have no idea what triggered this problem ( other than me switching wireless providers ) but would like to have an opportunity to address whatever the problem is. Zelle customer service, unfortunately, is unreachable and seems to be unable to provide with any information of what is happening. This problem has effectively crippled my ability to fully use my bank accounts at both XXXX and XXXX XXXX.
05/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30339
Web
The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX XXXX XXXX XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX XXXX XXXX XXXX Acct No. : XXXX Below are the following US Code violations these entities have committed. 16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to a consumer a description referred to in paragraph by not later than 15 days after receiving a request from the consumer for that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show this bank is in direct violation. As Ive yet to be contacted via phone by any of these entities and they continue to report fraudulent accounts to my consumer file. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
01/09/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NV
  • 89142
Web
On XX/XX/2023, I received a phone call around XXXX XXXX that reads " XXXX XXXX XXXX ''. Assuming it was a representative, I answered and the person calls to tell me that there was a suspected withdrawal from my account from a person named XXXX ( apparently bares the same last name as me ) and made an unauthorized transaction to buy automobile parts. They took {$3000.00} from my savings and {$500.00} out of my checkings. He then asks me if I know this person and I told them no. So from then on, he said he would help me get my money back and again, I was under the impression that he was my banks customer service fraud team representative from out of state that operated XXXX, so I have to had believed it. I was too desperate to want my money back, so I thought anything would help. So he helps me try to get my money back by asking me to zelle the amount I lost and add myself as a recipient. However, I had to add the number he provided for me as well as a code given to me that I entered once. Then when that was done, he informs me that the bank will call me in the morning to make a confirmation status, I waited next day and expected a call and nothing happened. The person who I spoke to on the phone was most likely in on the scam with the person who initially took money from me or it's the same person altogether. I have screenshots of his number and proof of the transaction. I have also contacted my bank immediately next day and they told me to call Zelle 's Fraud and Scam department 's number, so I did. I spoke with a customer service representative and she asked me questions that would help my case. She did however, told me that it would take 10 days for the dispute and at least 45 calendar days for it to be active? Not sure. But I would like to make this claim in case I do not receive my funds back since I heard Zelle may not be covered under Regulation E.
11/04/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • KY
  • 40245
Web
On XX/XX/2021 I was attending a family wake and funeral in XXXX Kentucky. The services lasted from XXXX XXXX - XXXX XXXX. At the end of the day I went to check on my emails and noticed several UNAUTHORIZED withdrawals from my account made via Zelle. They were made to a XXXX XXXX in the amounts of {$100.00}, {$300.00} and {$500.00} at XXXX. Both the name and email have never been used by myself. I immediately went to a local XXXX XXXX and filed a dispute, changed my password, froze my account and set up Zelle pin for transactions. I met with Branch Banker XXXX XXXX NMLS ID XXXX at the XXXX Branch in XXXX KY XXXX. I did everything I was supposed to do. I received a notice from XXXX XXXX that the said, " dispute has been resolved. During our review of your account and the documentation available to us, we determined no error occurred and that the transaction ( s ) was processed as instructed. You have the right to request documentation we relied on in making our determination. I called XXXX again and asked for the documentation used and they didn't have any. They told me to contact Zelle. I tried to contact Zelle and they refused to speak with me indicating, " As per their terms and conditions, they reserve the right to no longer due business with me '' So Zelle is refusing to speak with me and I am still out {$900.00}. Its been 6 almost 7 weeks and after the 3 time trying to dispute the charge with XXXX I still do not have any answers or money. XXXX XXXX from XXXX is elevating it to the Regional Manager but how long should this take? Does this not fall under Regulation E, part of the federal Electronic Fund Transfer Act, requires banks to refund consumers for fraudulent transactions on their accounts? Attached is the most recent dispute resolution sent by XXXX XXXX. They didn't even bother putting it on letterhead this time. Zelle is refusing to speak with me.
04/19/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 90063
Web
I was tricked into joining a blessing loom, which at first that was recommended to me by friends, I thought would be a good idea, it seemed very legitimate and my friends had supposedly made back their money. I was then asked to pay XXXX $ to join on XX/XX/2020. The idea which was not thoroughly explained to me until after the XXXX $ paid, was to convince others to also deposit XXXX , and when 8 people were joined, we'd move closer into the " circle '' allowing us to then receive money. I was not aware of this. I later researched this type of money making and learned that it was a pyramid scheme! I soon started seeing news articles on how they trick you into this and that it could be illegal. So I asked for my money back to opt out of the circle, showed the other " members '' who would also request their money back. The person in charge, XXXX XXXX, said he would give us our money back, of course after heavily pressuring us to stay, he said he would return our money, but instead has not responded to the group chat using an app I never heard of called XXXX. So I thought instead I could use the app I paid him with to get my money back, the app being Zelle, that I believed would have fraud protection, but they do not, even though they are supported through my bank, they do not have consumer protection. My bank said over the phone I needed to contact Zelle, and Zelle simply said that there was no fraud protection because it's designed for " friends and family '' which was not made aware to me or anywhere on the transaction throught the XXXX XXXX XXXX XXXX. So alas I am here now to see if anything can be done, after 2 days I am left without my XXXX XXXX and without any help or contact, and a man I didn't know who seemed trustworthy with my money, and my friends who didn't know what they were getting into either and tricked in to this, also without their money.
11/16/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • HI
  • 96816
Web
This is a work from home scam. First, I received a text message on XX/XX/XXXX regarding a job opportunity as a XXXX and XXXX XXXX. After chats through XXXX, a messenger app, for some questions, they sent an email with a job contract which I signed back. On XX/XX/XXXX, they sent a check attached on email and asked me to print it out and deposit to my bank account ( XXXX. ) That check amount, {$1800.00} they said was a funds for me to buy softwares that I need to use for this new job. After the check was deposited, on XX/XX/XXXX, they instructed to send 2 payments, {$900.00} each to XXXX using Zelle. After I made the transactions on the same day, I accepted XXXX to process the transactions. Immediately after ( within 5 minutes ) I realized that is a scam, I called XXXX right away but it was too late and the payments have gone through. XXXX said they can't recover my money sent via Zelle because I have accepted these transactions and nothing can do for the check either. A week later, the check was bounced and turned to be a fake. I also contacted Zelle right away through the Report a Scam page ( they don't provide a customer service phone number ) but they have never responded back to me as of XX/XX/XXXX. A complaint has been filed to CFPB against XXXX bank, complain ID XXXX, and a police report has been filed as well. I contacted Zelle again about the {$900.00} x 2 transactions on XX/XX/XXXX and am waiting for their response. The scam company contacted me first on text messaging and asked me to install XXXX - private messenger app and contacted with rest of the conversation through it. Not single phone conversation was made. There are three people I contacted with : XXXX XXXX XXXX Website : XXXX XXXX XXXX department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX The money I sent through Zelle to : XXXX XXXX XXXX XXXX
08/09/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NV
  • 89074
Web
I was scammed by a pet scammer of {$900.00} 2 weeks ago via zelle. the website that i had found them on was XXXX XXXX XXXX. the information on the website seemed legitimate and they claimed to be a family etc. They even offered for me to pick up the puppy in person. even though im usually very skeptical, i started to feel a bit more at ease because they gave me the option to see the puppy first. To keep a long story short, the scammer contacted me via email and text -- we conversed for a while regarding the puppy over text until i came to the decision that i would go through with the purchase. the scammer suggested XXXX XXXX or zelle for payment method. Initially, he said that I would only have to pay half and the rest once I receive the pupppy. I already had XXXX XXXX and wanted to move forward with that and the person tried to push zelle because it was " faster ''. I proceeded to process through XXXX XXXX saying that i didnt want to set up zelle if i already had one of the payment options set up. The payment was pending because it was coming out of my bank and the person notified me that he was unable to send the medical documents of the dog or " transfer of ownership '' until he received the first payment. the dog was a gift for my my mom because of recent XXXX that she has been going through due to the death of her 2 best friends. i ended up using zelle from my bank. of course, i trusted the person to keep to his word of refunding the XXXX payment if the zelle went through, but in the end, he did not refund either payment. i contacted my bank and they were able to refund me my XXXX XXXX payment, however was unable to do so for zelle. at this point in time, i have contacted zelle via telephone 6 times and emailed them 4 times, submitted a scam claim through them as well as on a federal website. zelle confirmation number : XXXX, ID # : XXXX
12/27/2022 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • MD
  • 21771
Web
I was messaged on XXXX on XX/XX/22 by a user who has since deleted the account. They claimed that they would send me money if I send them my XXXX. They claimed that there is a processing or authorization fee for the money to go through. At first it was a {$50.00} fee in order for me to receive {$2000.00} immediately. I sent the {$50.00} on XXXX to the user $ XXXX as they told me to. Then they claimed that {$100.00} was still needed to process in order for the {$2000.00}. They claimed that they would send me {$2200.00} instead since I now had to pay more. So I sent {$100.00} to the same XXXX $ XXXX. And they just kept tacking on more money that they were going to send me, which required more processing/authorization fees of larger amounts. The next payment they requested was {$150.00} to be sent to $ XXXX with account name XXXX XXXX. I also received a legitimate looking email with a picture showing that they had already sent {$4000.00} to my Zelle but it showed it needed higher fees still. I ended up sending them money a total of XXXX separate times totaling {$3400.00}. The individual transactions are as follows : - {$300.00} sent to XXXX XXXX ( XXXX ) via Zelle - {$300.00} sent to XXXX XXXX ( XXXX ) via Zelle - {$69.00} sent to XXXX XXXX ( XXXX ) via Zelle - {$300.00} sent to XXXX XXXX ( XXXX ) via Zelle - {$400.00} sent to XXXX XXXX ( XXXX ) via Zelle - {$550.00} sent to XXXX XXXX ( XXXX ) via Zelle - {$500.00} sent to XXXX via XXXX Pay - {$700.00} sent to XXXX via XXXX Pay - {$50.00} sent to XXXX XXXX ( $ XXXX ) via XXXX - {$100.00} sent to XXXX XXXX ( $ XXXX ) via XXXX - {$150.00} sent to XXXX XXXX ( $ XXXX ) via XXXX {$200.00} sent to XXXX XXXX ( $ XXXX ) via XXXX I would also receive texts from XXXX ( claimed to be the lawyer ), XXXX ( claimed to be XXXX of XXXX XXXX ), and XXXX ( claims to be XXXX XXXX ) regarding the transactions.
08/18/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • AZ
  • 85641
Web Servicemember
On XX/XX/2022 I added some items for sale on XXXX market for a sale amount of {$350.00}. XXXX sends a message of interest of the item, I told him sure its available. He added that he will be sending me the amount asked for the item through Zelle and what was my email. I have Zelle through my bank account XXXX. When he tried to send the money, he gets a message that he cant because my email count is not active in Zelle. Me not thinking anything about it, I go to my XXXX account to verify if Zelle has all my information. I turns out that my email was not registered, only my number. So I added my email. He then process to tell me that he has send the XXXX but Zelle sends him and I a notice with the following " Unfortunately, we encountered a little problem while crediting your account with {$350.00} today because this amount seems to be above your balance limit ''. When I received this message I let the prospective buyer know that the money was not released. A new Zelle message came into my inbox stating that additional funds had been added to my account with a total {$600.00}. He message and told me for the funds to be release that I have to send the Zelle representative {$250.00}. I received an email from Zelle with the " representatives email '' title " we await verification payment screenshot. With this information I proceeded to transfer the funds through my bank. Zelle will not reimburse XXXX based on there fraud and scan policies, for that reason XXXX will not return the money to me. I believe Zelle does not protect their consumers from these scams and frauds. Zelle should make a better effort in protecting it customers from the scammers and change their policy or just close as a company that is providing a service that will not help their customer when scammed. They should do a better job or should be banned /closed for offering services.
04/16/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 33897
Web Servicemember
I have recently started using XXXX XXXX and find it to be an excellent service. I also assumed the service offered consumer protection since it is being used by major banks. I recently made a purchase to an unknown individual using XXXX XXXX to purchase concert tickets that a person on XXXX advertised they had. I went on XXXX and saw an event scheduled in my area for XX/XX/19. The event was for XXXX XXXX concert at the XXXX XXXX XXXX XXXX. A XXXX user made a comment on the event that they have tickets available because they are not able to attend. I messaged the person who claimed to be XXXX XXXX on XXXX to see if the tickets were still available. Hours later the person claiming to be XXXX XXXX contacted me informing me the tickets were still available and to make an offer. After messaging back an forth we agreed on a price of {$100.00} for two tickets. The person claiming to be XXXX XXXX requested that I send the money through XXXX XXXX. This person also requested screen shots verifying the money was sent and deducted from my account. The email address I was told to give to XXXX XXXX to have the money sent was XXXX. The person claiming to be XXXX XXXX informed me that the account was under her husband 's name which is XXXX XXXX. I gave the person claiming to be XXXX XXXX my email address to send the tickets to. I sent the screenshots per the request of the person claiming to be XXXX XXXX verifying that I had sent the money. The person claiming to be XXXX XXXX informed me that she was at work and would be sending the tickets in 20 minutes. This was approximately XXXX EST. Hours later when I checked my email I noticed that the sender did not email me the tickets. I went to message this person on XXXX and discovered that their account was deleted. The messages we sent to each other on XXXX were also deleted and I have no access to them.
04/29/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • MO
  • 630XX
Web Older American, Servicemember
Description of Complaint : On XX/XX/2022, I used Zelle, thru my XXXX XXXX Account, to send money to my son. I was in Arizona and he was in Missouri. I had done this many times without problems, using his phone #. Today, however, it failed. I tried a couple more times and it continued to fail.. As my son learned, later, this was due to the fact that his debit card had been compromised and he had a new number and he failed to add the new card to his standalone Zelle app XXXX His current bank, XXXX XXXX XXXX in XXXX XXXX, XXXX, therefore would not accept the money. On XXXX, I phoned my bank and advised them what was going on. The person I spoke with, a Zelle rep I would assume, told me to use his e-mail address. I told her I did not think he used it anymore. She said " TRY IT ANYWAY. '' I did and she said it went thru, I was good. Of course, it DID NOT work because this was one he had used with a previous bank, XXXX Bank and with a debit card that was no longer any good. His app was with XXXX. HE HAS NEVER RECEIVED THE MONEY. XXXX did an investigation and said everything went thru. Zelle told my son, and sent him a print out, showing all the failed ones, but NO completed transaction. I am so angry that a company can just take your money. there were XXXX FAILED notices for {$400.00} each on XXXX. There were XXXX Failed notices for {$400.00} on XXXX and XXXX for {$450.00} on XXXX. The one in question is Confirmation # XXXX on XXXX for {$400.00}. I was able to send him XXXX and XXXX after he corrected his debit card with XXXX XXXX. We have talked until we have NO talk left. There seems to be no one that has any idea where this money is. Is that how ZELLE stay in business? My phone # is XXXX. XXXX ' is XXXX. XXXX choose not to send bank account info thru this email. Thank you for looking into this problem and helping me/us with a resolution. XXXX
09/05/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33484
Web Older American
This compliant against company the name as Early Warning service office locator in the state of XXXX az. base the information that receiver from bank XXXX.the consumer agency that no bank report to then. base of the fact submit to me through document that I receiver from the bank there information was inaccurately. it stated that I have number returned item from number bank. which was find to untrue. that was an indiction that occur back on XX/XX/2019 where the court put a hold on my and my wife account for XXXX. XXXX which in fact was correct in about 60 day. in XX/XX/2019 notify me about this information through a request. from early warning just send a statement along from XXXX XXXX that I had negative item in my file. this was on XXXX XXXX once I receiver this information I contact the bank. XXXX XXXX. XXXX XXXX XXXX XXXX. we spoke to XXXX XXXX XXXX XXXX and all these bank stated to me that never submit any neg information about your back account. and that they only report to XXXX XXXX for some one abuse of any check account. Early warning service LLC has being suite once before. about this type of practice in the past. and that not what I want to do I just want it clear up soon.. there was only one report by XXXX XXXX base on the court action that took place in XXXX. which in fact we settle dose issue. and it was base on the fact of the court order. the court close the account not Mr. XXXX and you has that evidence in your file. it was not like I just abuse any account in the past, this information was report to CFPB for investigation and all the bank response back with this information no bad account as to Mr. XXXX check account so therefore early warning service LLC. need to delete those neg information about this indiction. because XXXX XXXX dose not have any bad information went it come to Mr. XXXX. check or deposit account.
08/06/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 76522
Web
I recently have had to relocate due to a fire at my home. While looking for a new place to live I was continually being denied for a home, and opening a new bank account. I was informed to call Early Warning Services for the reason for my denial issues. When I spoke with Early Warning they said their were 3 accounts ( 2 with negative remarks, 1 with a balance ) that XXXX had reported sometime back in XX/XX/2013. I immediately contacted XXXX to dispute the information. The account that had the balance ( {$500.00} ) was already flagged in their systems as fraud, but since I didn't " take care of it '' in the time they alloyed then I would have to be responsible for paying the balance even though it was not made by me. I was a victim of identity theft at that time as well as other accounts not with XXXX and have documentation of the person who confessed to the crime, but was still told I just needed to pay and it was my fault I didn't check in periodically with XXXX for fraudulent activity on a account I didn't even know about. XXXX further informs me that even if I pay there's no guarantee that the negative remarks will be removed from Early Warning. I then disputed the information with Early Warning only to be told the information was correct, even the other 2 accounts that had no balance since I went into overdraft 3 or 4 times but then paid the balance and closed the accounts Im no longer worthy to be trusted by banks or have a home!? I am a single mother of XXXX young children and XXXX, currently not able to get a home for me and my children apparently having to wait 5-7 years to get off information that's inccorect and I was not informed of through phone, mail, or e-mail. I'm requesting the negative remarks or account be removed from Early Warning for not notifying me violating their notice clause of FACTA section 623 ( A ) ( 7 ).
05/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • XXXXX
Web
On XX/XX/XXXX XXXX XXXXXXXX XXXX charged off my account due to the negative balance status. I have been unemployed and experiencing hardships since XX/XX/XXXX due to the XXXX pandemic. On XX/XX/XXXX XXXX XXXX XXXX submitted information to Early Warning and XXXX XXXX claiming that my account was closed due to Account Abuse. I never abused my XXXX XXXX XXXX account - I was experiencing long term unemployment, XXXX and a total loss of my income as a result. I filed a claims related to a {$400.00} charge that appeared on my account. I followed XXXX XXXX policies and procedures for filing a claim and they refused to investigate it as they stated their policies did not allow them to investigate claims related to peer to peer financial transactions. On XX/XX/XXXX, I attempted to open XXXX checking accounts - XXXX XXXX and XXXX XXXX and was denied a checking account based on the information reported by XXXX XXXX XXXX to Early Warning and XXXX XXXX. XXXX XXXX XXXX 's errors has caused adverse actions to be taken against me ; I was denied XXXX checking account opportunities and the opportunity to establish a new relationship with another financial institution. XXXX XXXX XXXX ' actions also caused me extreme public humiliation and embarrassment as I was turned down by these banks and had to suffer during and after conversation. Finally, I believe XXXX XXXX XXXX 's actions toward me are malicious, deliberate, and well defined against XXXX American consumers who seek to pursue justice in a court of law. XXXX XXXX 's action against me violated my rights under the XXXX XXXX and XXXX XXXX because they willfully and intentionally reported erroneous information that has caused other financial institutions to make adverse decisions against me. This matter has prevented me from moving forward with securing a checking account with a major bank.
10/09/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • VA
  • XXXXX
Web Older American
This case is a continuation of Sam case reported on XXXX XXXX XXXX. under CFPB report XXXX. After XXXX XXXX XXXX closed, I went to a lawyer but, with the pandemic and left with limited finance due to high medical bills from my XXXX XXXX injuries, I did my own research and found oud the bank of XXXX which confirmed the Zelle transfer I made to XXXX XXXX and " mother '' of XXXX XXXX was XXXX XXXX as XXXX XXXX XXXX told me at the time I filed with CFPB but XXXX XXXX XXXX could give me details about XXXX XXXX citing some " privacy '' rules and what led me to get an attorney. Furthermore, I also called XXXX XXXX, where XXXX XXXX has an account and this was confirmed by XXXX. XXXX. I then called XXXX multiple times and they kept telling me to go to XXXX XXXX XXXX. and I told them I had already contacted XXXX XXXX XXXX and was told to contact Zelle. Then I went to XXXX XXXX XXXX and told them what Zelle just told me. XXXX XXXX XXXX. said their investigation. was close which I knew. I called, emailed Zelle and even g provided them with XXXX XXXX XXXX case # and told them cfpb also investigated and was wondering with XXXX. XXXX XXXX and her " mother '' XXXX XXXX XXXX XXXX detiled accounts, why not take necessary actions to get my {$1900.00} money back? I was told they noted and I should wait and they will get back to me. Fastward, after another call, they emailed and told me to use a link and enter the case I thought should have been entered as I understood. during all these calls or email. Long story short, I used the link and and went to Zelle to file the case but haven't heard from them. I also emailed and got a reply they're investigating. However, I have no update since XXXX XXXX. I send another email and it seems nothing is moving and I though I should inform you by submitting a new complaint and this time against Zelle.
11/18/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • MD
  • 21801
Web Older American
On XX/XX/2022, I made a payment from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX through Zelle. The payment of {$550.00} was going to the business XXXX XXXX XXXX XXXX XXXX XXXX ) for a XXXX tree, which was supposed to be shipped to me. It appears that XXXX XXXX XXXX received the funds, but has been scamming a lot of people, offering XXXX trees for sale and then disappearing. I believe ( from having talked to several other scammed consumers, that Zelle was aware of the scam from XXXX XXXX XXXXXXXX, since others had made complaints before mine. It looks like I was one of the last people to order. I have tried multiple times to contact the business, to no avail, and I have not received any product. I have asked XXXX to refund my money, and to disallow Zelle from being allowed to cheat future customers, since they apparently have no protections in place for scammed consumers. However, my credit union refuses to accept responsibility since the transaction was 'authorized. ' I also filed a complaint with Zelle, and they are pointing to their Terms and Conditions, saying that they aren't liable for any fraud or scams. Apparently, if I had used my credit union debit/credit card, I would have had protection since I never received the product purchased. Why is Zelle allowed to operate without consumer protections in place? Also, why is my credit union allowed to deny liability by using a 3rd party ( on the credit union website ) to circumvent a fraudulent transaction? I will never use Zelle again, and I urge the CFPB to take action against them, since they are aware that scams and frauds are taking place using their unprotected service. Further, I urge the CFPB to take actions against banks and credit unions who are using 3rd-party companies, like Zelle, XXXX, XXXX, to avoid liability that they would have if I used my debit or credit card.
08/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • FL
  • 327XX
Web
Reported false information to XXXX and Early Warning. This is causing me problems from obtaining personal and business checking or savings account or getting my current accounts closed. Early Warning has provided a document saying it was verified but XXXX XXXX XXXX just provided my electronic signature of agreeing to the terms when first opening the account. This account by XXXX XXXX XXXX was closed because there was a check that was not deposited by me, or signatured by me uploaded to my account. I received a call from XXXX XXXX XXXX and confirmed that I had no knowledge and didn't do it. A few days later they decided to close my account after they cancelled/declined the check the day of me mentioning it was unauthorized. This company had no loss or even investigated it properly as in to see where was the check deposited from including IP ADDRESS, LOCATION OR FULLY VIEW THE SIGNATURE THAT WAS PUT ON THE CHECK. THIS FRAUDLENT INFORMATION LISTED ON MY CREDIT SHOULD BE REMOVED. Furthermore, I would like to remind you of your obligation under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681i. If this in question is reported to any credit reporting agency, you are required to investigate and verify the accuracy of this upon my request. Inaccurate or unverified information must be promptly removed or corrected. Source of Information : XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXXReported For : SUSPECTED FRAUD ACTIVITY ; REPORT IS DISPUTED BY CONSUMER ( S ), AND VERIFIED ACCURATE BY XXXX ; Reported Name : XXXX XXXXReported XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Reported SSN/ID : XXXXDrivers License : State : Date of Closure : XXXXACCT # : XXXX / XXXXClosure Status : NO MONETARY LOSSClosure Status Date : XX/XX/XXXX Dispute Case ID : XXXX Bank Name : XXXX XXXX XXXX Reference # : XXXX
10/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AZ
  • 85208
Web
I disputed incorrect information on my Early Warning report, requested a full investigation and a deletion of the incorrect accounts but did not receive any. Although I provided all the necessary information required by law on my part. Under Section 611 of the FCRA, consumers have the right when it comes to disputing items on their Early Warning reports. Section 611 is often referred to as the " Reinvestigation of Disputed Information '' section. In accordance with the Fair Credit Reporting Act The XXXX XXXX XXXX # : XXXX / XXXX account has violated my rights. 15 U.S. Code 1681c2 - Block of information resulting from identity theft. ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. If Early Warning can provide any exceptions to this section of the law then they shall provide me with a clear reasoning. I request color copies of my Identification including my Social Security Card used to open this account. If Early Warning can not satisfy any of these requests or follow any of these consumer laws, then these incorrect items must be deleted and blocked from my file.
04/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • DC
  • 20011
Web
I would like to submit a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding a fraudulent modeling opportunity that resulted in identity theft and a negative report on my early warning record. On XX/XX/XXXX, I received an email from scammers offering a modeling opportunity. Their email address was XXXX. After applying, they responded on the same day congratulating me on my acceptance and stating that they would send a pre-payment check. The check was sent on XX/XX/XXXX, and the scammers took a picture of the postal outside my door through SMS from their phone number XXXX. I deposited the check immediately, but my bank informed me that it was a fake/bad check. My account was closed permanently and reported to credit bureaus, which caused difficulty in opening new bank accounts due to early warning reports. I provided necessary documents to early warning credit bureau such as the police report, conversation with the scammers, email address, phone number, and FTC report to early warning via fax. These documents clearly indicate that I was a victim of identity theft and had no knowledge or involvement in any fraudulent activity. The scammers had access to my personal information such as my full name, address, phone number, Social Security number, and bank account details. This unfair report on my early warning record is affecting my ability to conduct financial transactions and obtain credit. I believe that this report was filed wrongly and unfairly, since I'm also new to the system and the country. I have provided all necessary evidence to support my case and request that the CFPB remove this report from my early warning record. Please contact me at ( XXXX ) and/or ( XXXX ) to discuss further and provide a resolution. Thank you for your attention to this matter. Sincerely, XXXX XXXX, XX/XX/XXXX
04/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 95843
Web
Dear Sir, This investigation resolved some of my issues. Early warning did delete some of the derogatory items on my previous consumer reported as per their previous attached letter. The pending Items with XXXX are not resolved. They deleted two of the the four erroneous accounts ending in accounts # XXXX and # XXXX of XXXX. They didn't delete the other two accounts with XXXX are duplicates. # XXXX and # XXXX. The same information is being reported. They just kept two accounts open with same account numbers with XXXX. These other two derogatory accounts with XXXX that remain have the same last four digits of the account numbers of the two XXXX accounts that were removed. If you look at the last four digits and the account information the accounts is the same. Early Warning never addressed why XXXX XXXX XXXX made an inquiry to my account? They just removed it without addressing which branch authorized the inquiry. Early Warning was trying to tell me it was identity theft. If that was the case there would of been a branch associated with the inquiry along with a routing number and account number. There was none. They just removed the inquiry without a true explanation. I'm not letting this go. Early warning is co-owned by XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX. I originally stated that one of these banks above has been trying to black ball me in the banking industry. I will get to the bottom of this. I have been Harmed by Interference with XXXX XXXX for over seven years. I'm not going to rest until I get these last two derogatory items deleted from my Consumer report. I have contacted XXXX and they no longer have record of these accounts in their system. Who did Early Warning contact at XXXX to verify these two accounts? How many years does negative account information remain on your Consumer report by FCRA?
02/03/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 958XX
Web
Today, XX/XX/2019 we used a service on our XXXX XXXX app called XXXX. We used it to attempt to buy concert tickets for {$150.00}. We foolishly believed it to be safe because it was offered through our own bank and was offered on the app as a safe and secure way to send money. Immediately after sending the money the person offering the tickets dissappeared. At this point we looked in to XXXX online and discovered the multitude of scams. We called XXXX XXXX and filed a claim but they said there really isnt anything they can do because we authorized the transaction. We tried to talk to XXXX and they said there is nothing they can do. I understand if we cant get our money back, but I find it shocking that they say there is nothing that they can do. I would think that they would want to try to track down the scammers and shut down their accounts. They didnt even bother to take down any information. If the scammers are allowed to continue to do this with impunity, it will just keep happening to unsuspecting victims. I dont understand why they wouldnt want to try to put a stop to this type of activity. Additionally, as a service that is provided through my financial institution and is touted as safe and secure I would think that my bank would want to make every possible effort to try to put an end to scams. They should definitely make it more clear that there is absolutely no protection, but additionally, they should actively try to peruse action against the perpetrators of these crimes. XXXX should be actively trying to shut down accounts of scammers. They should be attempting to prosecute these scammers. They should be tracking who is involved in these scams and they should be working to avoid letting them start new XXXX accounts. They certainly should not be telling people, This is your fault and there is nothing we can do.
06/18/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • NC
  • 28214
Web
To Whom It May Concern, I attempted to open a business account in XX/XX/XXXX and was declined by several financial institutions. In addition my personal accounts were also shut down after several years of banking by personal banking institution, XXXX, as something from EWS popped up in conjunction with the opening of a business account. It was a nightmare, and occurred at what was meant to be a happy time - starting a business. I was advised by XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX in XX/XX/XXXX that I needed to clear the item before they would open the account. I disputed the XXXX item ( CFPB ref XXXX ) and it was cleared. During this time I was also advised by another financial institution that there was an adverse XXXX reporting from XXXX XXXX XXXX. I was advised by XXXX XXXX XXXX - Address : XXXX XXXX XXXX, XXXX, NC XXXX that as long as I paid {$300.00} that " the item would be removed and I should have no issue opening a new account as long as everything else was cleared ''. This was after the branch supervisor/manager reached out to collections/recovery to provide an understanding of what the item was for. I paid the {$300.00} on XX/XX/XXXX and was then able to new accounts with XXXX XXXX XXXX XXXX XXXX. My small business has been expanding over the last 5 months and I have a need to work with a larger bank who offers expanded business banking products. I just attempted to open a new business account with XXXX XXXX XXXX and XXXX XXXX on XX/XX/XXXX and was once again declined. This is getting ridiculous at this point. 1. This nonsense is crippling a small business owner from starting out on the right foot. 2. The transparency around EWS and banking decisions to close and not open accounts is horrendous. 3. The lack of consumer knowledge around who and what EWS does is very evident.
08/20/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • RI
  • XXXXX
Web
Hello, On XX/XX/19, I posted my XXXX for sale for {$1200.00}, and someone named XXXX XXXX XXXX who I now see goes by XXXX XXXX on Zelle ) commented that her brother would pick it up and she would pay me through Zelle. I got an email from what I thought was Zelle confirming that she sent me the {$1200.00}. However, the email stated I could not access the funds because I needed to upgrade to a business account. XXXX explained that in order to upgrade to a business account, you need have sent {$600.00} to someone. At this point, the transaction would go through and I would have the business account. So, the woman sent me XXXX more dollars and asked if she could trust me to send it right back. I receieved an email from Zelle to confirm this as well. She also sent me screenshots from what appeared to be the XXXX XXXX XXXX showing the money had been taken from her account. I felt pressured and guilty because it was framed that I was holding up this womans money. Luckily, the spending limit on Zelle only allowed me to send her {$300.00} dollars rather than the full {$600.00}. She tried to convince me to send another transcation for the remaining {$300.00}. I then called Zelle and realized the email XXXX is not their official email. She refuses to return the money and blocked me on messenger. Zelle told me there is nothing they could do. My credit union XXXX XXXX XXXX XXXX in XXXX RI ) also said there is nothing they can do, even though the transcation had been pending all day and had not officially gone though. In fact, the transcation didnt go through until I checked my account this morning. Looking back, I can see the typos in the attachments and signs I should have noticed. However, when youre busy, stressed, and out and about, it is easy to fall victim in these scenarios. I am hoping I have some rights here. Thank you.
08/31/2015 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • NJ
  • 07050
Web
To Whom It May Concern : THIS IS a request to have invalid address 's and different variations pf my name deleted from my consumer file. I request Early Warning to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following addresses I am here and now disputing as addresses that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( WHICH IS MY EX-HUSBAND 'S RESIDENCE NOT MINE ) XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( THIS IS MY PARENT 'S HOME NOT MINE PLEASE DELETE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AGAIN ASK YOU TO DELETE TO DRIVERS LICENSE INFORMATION ON MY CONSUMER REPORT : DRIVERS LICENSE NUMBER : XXXXSTATE OF ISSUANCE : XXXXFINANCIAL INSTITUTIONS : XXXX XXXX XXXX XXXXI have also attached the police Report that I have filed here is XXXX, XXXX I have filed for ID Theft protection because there is no way I can leave in XXXX different states a one time and then XXXX different cities and all these different address. Please remove this address 's and the financial institutions that are connected to them because these are not mine it is fraud. Thank you, XXXX XXXX
07/07/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 77381
Web Older American
Yesterday, XX/XX/2022 I was at the grocery store after a doctors appointment when I received a call and the person claimed to be a XXXXXXXX XXXX representative. He stated that my utility bill was overdue and that my utilities would be canceled in XXXX minutes if I dont pay electronically today. I was out of town for a period of time and I thought my utility bill was paid automatically but I know sometimes that can get screwed upso, in my mind the bill couldve been due The person instructed that the only way to pay was to use the cash feature on my XXXX XXXX XXXX checking account app. called Zelle. I never used this cash service before. The person assured me and said, he could walk me through getting a confirmation to allow to use this Zelle cash service. He instructed me to pay the outstanding balance of {$260.00} from Zelle and take a screenshot of the transaction and send it to phone number he provided I texted the payment complete along with the screenshot to the scammer. After a couple of minutes he said he didnt receive this text and to resend it. I had received a text back from that number saying they did not receive the payment from Zelle. So, I went into my checking account again duplicated the payment and resent it. I was in the grocery store for almost 40 minutes trying to figure this thing out. I called the phone number that the scammer called on and I got my utility company customer service! I asked the customer service person what was my balance on my utility account and she said it was current. I tried a third time to get into my XXXX checking account by this time they locked me out of my account. I called XXXX customer service fraud using Zell filed a report and they stated they can not refund my account. What a rip off and something has to be done to protect consumers.
05/05/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • PA
  • 19116
Web
I sent an offer to purchase a camera on the site " XXXX '' for a total of {$1400.00}. The seller said to send them a payment through a banking service called " Zelle '' ( this is the email linked to their zelle account : XXXX ). Because there is a {$1000.00} limit per 24hrs on Zelle , I sent {$420.00} to see if the amount deposits. The sender said the XXXX went through. So I sent the other {$1000.00}, but the {$1000.00} they claim did not go through. They created multiple fake bank screenshots saying they did not receive the money. They went out of their way to create fake shipping labels to buy time, and tried to get me to send another {$1000.00} to another account ( other fraudulent Zelle account : XXXX ), claiming the original {$1000.00} I sent was going to be returned to me through Zelle within 3 business days because their bank was limiting them {$500.00} deposits per 24hrs. After 3 days past, I got nothing. This communication started on XX/XX/2023 and currently is still on going. I called Zelle numerous times and they claim all funds sent out from me went through and that the account receiving the money is linked to a XXXXXXXX XXXX not XXXX XXXX XXXXXXXX as the screenshots showed. I have all the text messages, screenshots, and XXXX account info. I reverse looked up the seller 's email and it says the account was created in South Carolina, even though the seller is from Utah. The seller is not who they say they are and more than likely using someone elses account without their knowledge. Another user also said, the same thing occurred to them and that they were scammed {$1000.00} dollars and shown fake labels and receipts. My phone # XXXX. Email : XXXX. Please let me know what else I can do to try and help out and get my funds returned, as this would qualify as a P2P transaction. Thank you.
05/18/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • ME
  • 044XX
Web Older American, Servicemember
My husband was selling a XXXX scooter for {$1200.00} on XXXXXXXX XXXX XXXXXXXX. A woman named XXXX XXXX ( her account is now deleted ) wanted to pay him via Zelle. We didn't use Zelle but I could see my bank, XXXX XXXX XXXX, offered Zelle so I assumed it could be trusted and I enrolled so she could send payment. She told me she sent payment and thenZelle sent me an email telling me that she would be sending me an additional {$300.00} to upgrade my account to a business account because my personal account could not accept that much. They instructed me to contact her to get info on how to send the extra {$300.00} back. I contacted her via her XXXX XXXX and she provided an email address. I received a notice from Zelle claiming they had received her {$1200.00} and would release the money after I sent the {$300.00} extra back to her. I sent {$300.00} but she claimed not to have it. In the morning I questioned Zelle about this and got another email from them telling me to send an additional payment to XXXX of {$350.00} for processing fee. I told them no and that I reported them to the FBI, my bank, and Zelle. I told the fake Zelle representative that I did this and I received a threatening email back from this person telling me they would be reporting me to the FBI and I would be charged with a crime for failing to make payment. I told them go ahead. I was the seller, not the buyer so what payment was I failing to make? Anyway, this was obviously scam and I'm out the {$300.00} but it is FRAUD for these scammers to claim to be Zelle. These scammers need to be charged with fraud. I have emails, XXXX messages, etc... that I will provide you with if you give me an email address to your fraud department so I can attach them. You have all my contact information, please acknowledge receipt of this complaint.
03/02/2018 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • SC
  • 29650
Web
Earlier today I saw on XXXX that someone was selling tickets to the XXXX vs. XXXX game in XXXX tomorrow ( XX/XX/XXXX ). I contacted the seller via text message. He was selling the tickets for {$110.00} each, and I wanted 2. So I paid him {$230.00} through XXXX, an application that is backed by my bank, XXXX XXXX XXXX ( so logically, I thought this company was trustworthy ). I sent him the payment through XXXX and let him know. I never heard from him again and never got the tickets. He provided his name, XXXX XXXX, and email, XXXX, which I do not know if it is legit. I also have his phone number, XXXX. I figured if he used this name and email address on XXXX that XXXX would be able to track him down and stop the money from being transferred into his account ( and before he was able to close the account ). I tried contacting XXXX via the contact page on their website and didn't receive a prompt response to fix this issue. I also tried calling the number listed on their website. They provided no option to help resolve this issue and no option to let me speak to a representative. All I wanted was to stop this money from being posted to his account and out of mine. I do not have {$230.00} to spare. I am a recent XXXX XXXX with very little money. People like this should not be able to get away with such actions, and in addition, I want my money back. I have read countless posts online about how XXXX says there is nothing they can do since the buyer ( me ) authorized this transaction. This is not fair.. especially when I've attempted for hours to get this transaction to be stopped before the scammer gets his money and shuts down his account. I will NEVER use XXXX again and will NEVER recommend XXXX. I'm livid. I've reported him to the FBI Internet Crime Complaint Center in hopes he gets caught.
05/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 232XX
Web
TO WHOM IT MAY CONCERN I recently received a copy of my Early Warning Services report, and I noticed some information that has not been removed according to XXXX. I have received an email from XXXX stating that you guys remove my information from Early Warning Services. Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you permission to furnish this account on my credit report? Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Remove the information from my consumer report, this agency is in violation of 15 USC section 1681 Failure to respond satisfactory with reversing of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance 616 Civil liability for willful noncompliance [ 15 USC S1681n ] Best Regards, XXXX XXXX
12/31/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • MI
  • 48045
Web Older American
I was on XXXX looking for a puppy to adopt. I made contact with someone named XXXX XXXX through their XXXX ( XXXX XXXX She had a puppy availabe ( I saw pictures ) I wanted to come to see/buy the puppy, but she wanted to make a 'reservation ' stating she doesn't just let people run through her house. When I asked what was involved in a reservation, she requested a deposit of {$400.00} which she said was completely refundable if I changed my mind. I sent the money through my bank, XXXX and zelle pay to 'XXXX XXXX XXXX who she claimed was her 'hubby '. She also provided me with an email : XXXX. Believing this, I sent the money. Once it was received, she sent me a contract for the puppy through my email from XXXX. The contract stated I had to pay an additional {$400.00} for the dog, at which point I would owe no money at time of pickup. It also stated that she would keep 10 % handlers fee if I changed my mind. On the bottom of the contract was an address : XXXX XXXX XXXX, XXXX OH XXXX. When I questioned these things stated above, she reiterated sending the additional money. She told me I was wasting her time, so I asked for a refund. What came through on zelle was a request to send, not receive {$400.00}. I then went through XXXX and asked for the money, which she refused to do. There was another email to XXXX XXXXzelle of XXXX. I had been in contact with XXXX several times, including attempting to file a claim, at which time they told me there is nothing they will do because it is a cash transfer. I have a copy of the contract and the XXXX XXXX with this person. She is now offline on XXXX and I can't pull up anything in relation to her trying to rehome a dog. I looked up the address on XXXX XXXX and it looked like the house was abandoned. I have also deactivated my zelle account with XXXX.
01/09/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • VA
  • 23113
Web
I opened a XXXX account in XX/XX/XXXX or XX/XX/XXXX. I used it on a number of occasions with my current cell number. Never had any issues. A friend was buying one of my designer purses & I told her to just XXXX me the money when she got paid which was this past Fri. ( XX/XX/XXXX ). By Saturday ( XX/XX/XXXX ) I still hadnt received the payment but it said it processed on her end! I called my bank & they couldnt help stating that my XXXX /bank acct wasnt the issue but my mobile # was inactive. We thought it could be because I received a new debit card & XXXX didnt have it! I tried loggin into my XXXX acct the same day with no luck! I then called XXXX on the XX/XX/XXXX & explained I had a new debit card, couldnt access my XXXX acct & my money my friend sent the day before is missing! The gentleman typed in my number only to find out its registred to a XXXX XXXX account! Which Ive never even had a XXXX XXXX acct. I than called XXXX XXXX hoping they could help me & all they did was take down my info & told me my friend who sent the funds had to call her bank account! Which she did ( same day XX/XX/XXXX ) & they contacted her today ( XX/XX/XXXX ) & told her they dont know if they can give her back the funds as theyve been pulled! I called XXXX back today myself & told them this has been my cell number for over 13 years & the changes to my XXXX account & connecting them to this so called XXXX XXXX acct are all fraudulent! I told them Id give them my cell phone bill info as well as my bill & probe the owner to this account never had such a bank acct & to please close this person down as what there doing is illegal! They refuse to help! Im lost as I do not work & I believe this is being done by an exfriend who has done other malicious things to me out of spite & jealousy! Is there anyway to help?
04/01/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MD
  • 212XX
Web
Hi, I'm trying to report a fraud/scam of XXXX XXXX employee in XXXX. I applied to renew my passport this week, and received an email from the XXXX XXXX telling me to contact a phone number in order to complete my application. I called the phone number given to me, and I was told to send them my old passport photo to the XXXX XXXX 's XXXX ( which I later confirmed it's legit ) and I also have to pay {$190.00} as a fee to renew my passport. They asked me to pay this amount through Zelle. I asked them if there is a link that I can pay online and they said no. They gave me their Zelle phone number + ( XXXX ) XXXX ( XXXX XXXX ) to send the payment to. I confirmed with them that I sent it, and they said my application is complete. I later found out after talking to my friends and did some research that the fee to renew XXXX XXXX passport should only be {$110.00}. They warned me ( even though late ) that this type of corruption is very common in XXXX, and that if I don't pay them the " extra '' they would delay my renewal process or make it hard for me to renew. I tried to call the XXXX number again but they didn't pick up. Basically, they made me pay {$190.00}, {$80.00} more than what I needed to pay to their personal Zelle account, so they can use that to pay for my application and pocket the difference. I doubt I'm the only one that fell for this trick. I contacted XXXX, my bank, that I sent money from, but I'm not sure if they could do anything about it. Since the number I called ( XXXX ) was indeed the XXXX XXXX 's phone number, I hope they recorded my calls to show that the employee here overcharged me for my application and they definitely did the same to many other applicants. I respectfully request you investigate in this matter and eliminate this corruption practice. Best.
09/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Problem getting your free annual credit report
  • TX
  • 77021
Web
I am writing to express my extreme frustration and disappointment with Early Warning Services, which I believe are in clear violation of the Fair Credit Reporting Act ( FCRA ). My ordeal with this service began on Thursday, XX/XX/XXXX, at XXXX XXXX, when I submitted a request for my credit report. It has now been 10 days since that initial request, and I have yet to receive access to the information I am legally entitled to under the FCRA. The FCRA clearly stipulates that credit reporting agencies are obligated to provide individuals with their credit file information upon request once a year. I have been diligent in my efforts to obtain this information by repeatedly contacting early warning services. Despite providing proper identification, including a picture of my passport and Texas driver 's license, I have been met with nothing but obstacles and a complete lack of cooperation. To make matters worse, early warning services closed my login information without any prior notice or explanation, leaving me unable to reset my password or access my credit report. This action has resulted in an extreme financial burden, as I am now unable to monitor my credit and make informed financial decisions. It is abundantly clear that early warning services have not only failed to fulfill their legal obligations under the FCRA but have also caused significant harm to my financial well-being. I demand immediate resolution of this matter and access to my credit report as mandated by the law. Furthermore, I expect a thorough investigation into the mishandling of my request and the breach of my personal information, as this is a serious violation of my rights as a consumer. Failure to address these concerns promptly will leave me with no choice but to seek legal action to rectify this situation.
12/22/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Managing, opening, or closing your mobile wallet account
  • FL
  • 33463
Web Servicemember
I Bank with XXXX and I was enrolled with zelle for my XXXX accounts using my phone number. After I was informed that XXXX was no longer offering zelle to XXXX customers who enrolled after a certain date, which made the service unavailable to me. Therefore I requested that my phone number be unenrolled from XXXX 's zelle payment system. XXXX informed my that my phone number was unenrolled from their system and should work at another financial institution. I attempted a number of times to enroll using my phone number with my other Bank and the Zelle app but was told it could not be done and that I needed to contact XXXX Bank. I contacted zelle and XXXX Bank customer service at several times each to try to resolve the issue. On my last contact with zelle customer service I was informed for the first time that my phone number had been placed on some kind of " restricted list '' for unspecified " violation of the zelle service agreement '' that prevents my number being used at any other financial institution. I was also told that XXXX was the only one that could have my number removed from this list as " they are in full control of this zelle feature in their app ''. I again contacted XXXX Bank and spoke to a customer service representative and a supervisor and was told that somehow in the process of being unenrolled my number was placed on this restricted list. The supervisor then informed me that they have no ability to remove me from this restricted list and they could not help me. I have attempted to conference call between zelle and XXXX customer service to resolve the issue. Unfortunately zelle customer service so far has been unhelpful and will not cooperate in trying to resolve the issue with XXXX so my phone number can be unrestricted for use with the zelle app or other banks.
12/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 32208
Web
Happy Day, I have been trying to get my information removed from Early warning as I have called and spoken with XXXX multiple times over the years as well as stopped by several branches since XX/XX/. I have spoken with the risk department, customer service, management, and collections via phone. I do not have any outstanding accounts with this company. I do not owe any money to this company. I was not able to get any documents from early warning or any other reporting agency verifying what is owed or any account information. XXXX has also stated on their recorded line they do not have my social, name, email, phone or address linked to any account. I love XXXX, however this is affecting my ability to use and maintain my actual bank as well as open other accounts. I have managed by other means as this matter has taken a back seat until recently. I was unaware I can not use my XXXX XXXX benefits or open additional accounts as needed. All my accounts are restricted. I am only filing a complaint because I would love to get this resolved. I am only asking to be removed from early warning as I have been trying to figure out what account needs to be addressed and this has not been provided in the last 2 years which far exceeds the 30 day limit for a response, so I am bringing it here. I am led to believe this was simply a technical error, which is fine as long as it gets corrected. I need to maintain my financial health in order to maintain the health of my home. The company itself is awesome but I am kind of stuck due to this misunderstanding. My partner has recently become paralyzed due to a horrible accident, my financial situation has changed and I really need this resolved so I can support my household during this difficult time. Thank you for any assistance in this matter.
10/21/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • IL
  • 61820
Web
On XX/XX/XXXX, I saw an offer for an XXXX XXXX XXXX and I negotiated the price down to {$500.00}. We agreed to pay with XXXX XXXX XXXX XXXX and I transferred {$500.00} to XXXX XXXX XXXX, whose email address is XXXX. She then complained that her account got locked and she could not do anything. She asked me to cancel the transaction and I called XXXX to dispute the money. XXXX said I would get an update by XX/XX/XXXX. Because she asked for a cancellation, she then asked me to send her another {$100.00} through Zelle, with the contact information XXXX. I did that ( transaction number XXXX ), but then someone with the phone number ( XXXX ) XXXX sent me a message on XXXX, XXXX to be Zelle. They said " ZELLE : for your protection, your {$100.00} payment to XXXX XXXX XXXX was refunded. {$100.00} has been returned to your bank account and will be available on Wednesday ''. I did not trust the number, so I asked her about it. She said that she forgot to mention that in order for her to receive the money, I should have sent her another {$5.00}, so the total would be {$100.00}, because her bank charged extra fees. That sounded very weird to me and I said I would not transfer anything else before I got my money back. Then she said that she would be busy tomorrow and if I just sent her another {$100.00}, then she could ship it on that day with next day delivery. I said I only had {$55.00} left, so I transferred that amount to XXXX, with the transaction ID XXXX. After I transferred her the money, she never sent me a tracking number. She said I needed to pay more and when I asked for proof that she had shipped it, she just sent me a random XXXX image from XXXX. Until this day ( XX/XX/XXXX ), I still have not received the phone and when I asked for a refund, she refusedtogivemeone.
06/28/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • PA
  • 161XX
Web
On XX/XX/2022 I tried to purchase a dog through a reputable dog rescue shelter out of Ohio. Pictures were posted on their website and I messaged them telling them I applied for the dog. At this point I have never adopted a dog so I'm not aware of how it works. I did what they asked for application and then they asked for payment. I went through my XXXX app on my phone which is connected to Zelle as that is the form of payment they were asking for. I set Zelle up for this transaction because I have never used Zelle before. I sent over the {$300.00} they were asking for and never heard from them after that. When I reached out to the animal shelter on XXXX the same day they never responded to me until they got their account back from being hacked. I filed a police report and a dispute with XXXX on XX/XX/XXXX. XXXX stated that I would receive the {$300.00} within 10 business days because it was fraudulent activity and that they had 45 days to dispute it with Zelle. I never received my money to only receive a denial letter in the mail that XXXX denied my claim and I had to go through Zelle to file a dispute. I have been unable to get ahold of Zelle since then, until today after going to XXXX yesterday ( XXXX ) and them escalating my request. For that employee to tell me today that they will not refund my money because it was a SCAM and not FRAUD. Stating that all they can do is educate the customers on how to use Zelle so this doesn't happen again. XXXX will also not pay me back due to their policy with Zelle. I did not receive anything for the {$300.00} that I paid out and I'm not understanding how any of this is my fault and how I am suppose to know that the XXXX page would get hacked. XXXX is partnered with Zelle and they are doing nothing to help out their customers.
05/15/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Confusing or misleading advertising or marketing
  • TX
  • 75081
Web
I have used the ZELLE services through my bank without a problem in the past but lateley is like ZELLE makes is a point now to delay funds to placed them in what they called " limbo '' supposedley for processing, but the company is putting that money on an account to earned interest overnight if not longer days in the interbanking lending process. On or about XX/XX/XXXX I was send money by a relative using my mobiel number, on or about XX/XX/XXXX I learned from my Bank XXXX that ZELLE had derigestered my mobile number, I was told by ZELLE representative name XXXX on XX/XX/XXXX that since I was not able to accept and or see the code ZELLE would send me thogurgh my cell because ask my carrier to i block junk text from my phone and that included all text from unregistered contact, I needed to register my email address and the money would be send immediately to me as if it was my mobile number ; the same representative asked me to asked my representative to cancelled the first transaction which it was done through my mobile phone. At this point the only transaction left was the one send via email. After my relative cancelled the mobile transaction she proceeded to send the money via email wich according to XXXX from ZELLE the money would get to my bank account with XXXX immediately but that has not been the case. I am now told that the process would take 7 to 5 business days instead. I have look into the ZELLE marketing and has come the the proof that ZELLE provided false and missleading information both on paper, the internet and orally. I now have to wait several days to collect that money. ZELLE does not alowed to deregister email address at the customer request according to Mr. XXXX telling that I am out of luck and I was in need of that money for a medical emergency.
12/28/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 94015
Web
An account on XXXX (XXXX ) was selling shoes through a raffle. I bought two yesterday XX/XX/2020 through XXXX as a gift for me and my boyfriend with a total of {$340.00} ( one payment of {$170.00} and the other at {$170.00} ). He received my payment and then that night blocked me deleted his comments and now has my {$340.00} and left me empty handed. I called my bank ( XXXX ) and they told me they cant to anything because I authorized it but Im not receiving an item so that should be reported as scam - but they didnt even give options or any help. I later found out he does this to a lot of people and im not the first. I have no job right now and am a current college student and was hoping to get some cheaper shoes for gifts since he looked legit and has a big amount of followers. I tried to request {$340.00} back through zelle and says he can not be found with that contact information. I also contacted local authority and they told me to leave it alone since theres no case tied to it and hes not causing threat or harm ( but he did steal money from me ). They also mentioned how its happening a lot during covid. I did my research and this is how zelle and scammers get away with taking money from people. This is my first encounter and Im freaking out because I cant get my money back. All I want is my money back and to be at peace that this guy wont do this to other people. My bank ( XXXX ) has ties with zelle and should warn people about scams and how they we cant get a refund if anything happens with scamming. Especially during this time with covid people like me are taken advantage of without even realizing it. His page is still active and hes probably doing this to many others. If you can do anything that would literally save my life and help me out financially.
04/21/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Confusing or missing disclosures
  • TN
  • 372XX
Web
I used Zelle on my XXXX bill pay feature to send {$500.00} to my sister on XX/XX/XXXX. She used Zelle on her credit union 's bill pay feature to reimburse me yesterday, XX/XX/XXXX, @ XXXX XXXX. Since then she and I have gone back and forth with our financial institutions to determine why I haven't received the {$500.00}. Her credit union confirmed that the funds were deducted from her account and credited to my account. However, the funds are not there, in my account. Not the financial institutions nor Zelle will take responsibility for this fiasco. They've set up a merry-go-round of excuses as to why your money is lost and gone, tough luck. Zelle is a XXXX party subcontractor with my bank, XXXX XXXX. Many banks offer this so-called " service. '' When you have an issue with this " service, '' the bank blames Zelle, Zelle blames the bank, and they both blame the consumer. I noticed there are XXXX of complaints representing an untold amount of consumers ' hard-earned cash regarding Zelle and banks that misrepresent the ease and reliability of the service. Zelle typically responds that basically the consumer is too stupid to understand how to use the service. The bank must have a list of reasons why it's the customer 's fault that the money seems to now be lost in cyberspace. They include that the customer must've done something wrong or that Zelle has an " instant '' pay option and a " standard '' pay option - NONE of that instant/standard information is prominently displayed by Zelle OR by the banks. This company, Zelle, needs to be investigated by the XXXX, the XXXX, and all State Attorneys General! The Banks should also be investigated in the same way. This is fraud and willful misrepresentation on the public and frankly, we're sick to death of it!
03/10/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • CA
  • 91001
Web
On XX/XX/2022, I used a chimney repair service, XXXX XXXX Chimney Sweeping ( https : //avantchimney-alhambra-chimney-sweeping.business.site/ ). They sent a chimney sweep XXXX XXXX to my house. After completing the work, he refused payment by check and demanded payment through Zelle. I paid him {$1500.00} for chimney cleaning/brick repair and an additional {$200.00} deposit for a cap and damper both through Zelle. The brick work he performed was subpar and fell apart within 10 minutes of him leaving my house. He returned and attempted to repair it but made it look much worse. He also did not put down any plastic sheeting and mixed mortar in my living room leaving a mess. I spoke to his boss " XXXX '' who said he would refund me the {$200.00} deposit ( since we cancelled the cap and damper work ) and {$400.00} towards cleaning my house. I called Zelle and they refunded me the money subject to an investigation. A few days later, the money was removed from my XXXX checking account and I was told to resolve the issue with the business directly. Since then I have tried to call and email XXXX. The phone number listed on the website no longer works. XXXX, the XXXX refuses to answer my calls to his cell phone ( although I have texted him photos ), and it turns out the chimney sweep is an unlicensed contractor ( after checking with XXXX XXXX ) and perhaps works at a company called XXXX XXXX XXXX XXXX. XXXX is actually an answering service called XXXX XXXX XXXX. I would sue them in small claims court but have been unable to find an address for any of the companies involved and believe the setup to be fraudulent. I have repeatedly requested my {$200.00} deposit back plus the {$400.00} for the cleaning fee but my repeated attempts at resolution have gone nowhere.
12/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • KY
  • 402XX
Web
Subject : Opt-Out Request Pursuant to 15 USC 6802-6805, Fair Credit Reporting Act, and Privacy Act of 1974 I trust this letter finds you well. I am writing to formally request to opt-out of certain uses of my personal information, in accordance with the Gramm-Leach-Bliley Act ( 15 USC 6802-6805 ), the Fair Credit Reporting Act ( FCRA ), and the Privacy Act of 1974. Under the Gramm-Leach-Bliley Act, financial institutions are obligated to safeguard nonpublic personal information. I am exercising my rights under this Act to ensure that my information is handled with the utmost privacy and security. In addition to the GLBA and FCRA, the Privacy Act of 1974 further governs the collection, maintenance, use, and dissemination of personal information by federal agencies. I want to ensure that my rights under this Act are also respected in the context of any information you hold pertaining to me. Therefore, I formally request to opt-out of any sharing or use of my personal information for purposes beyond those explicitly permitted by law, including any third-party marketing or promotional activities. I also request transparency in how my information is collected, maintained, and shared in accordance with the Privacy Act of 1974. If there are specific procedures or forms that need to be completed to facilitate this opt-out request, kindly provide them at your earliest convenience. Additionally, I request written confirmation that my opt-out request has been processed in accordance with the law. Thank you for your prompt attention to this matter. I anticipate your cooperation in ensuring the responsible and legal handling of my personal information in compliance with the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and the Privacy Act of 1974.
08/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • CA
  • 92592
Web Servicemember
On XX/XX/XXXX I submitted a Fax to Early Warning Services requesting a copy of my consumer file, because I had been denied a new checking account at XXXX XXXX XXXX XXXX. I received my file and immediately noticed a problem- an old XXXX XXXXXXXX XXXX checking account had been reporting as " Closed for Cause '', and XXXX XXXX explained it is a negative account status that is affecting my ability to open a new account. Early Warning Services has the meaning of " Closed for Cause '' clearly stated within the consumer profile, defining it as " the account was not handled in a manner consistent with bank policy ''. However, I was a long time customer of XXXX XXXX XXXX and did not have any poor history with them. On XX/XX/XXXX I Faxed a letter to Early Warning Services reporting the inaccuracy. I have attached the Fax Confirmation from the XXXX store showing it was successful. After not hearing from Early Warning, I called them directly on XX/XX/XXXX and spoke with XXXX. XXXX confirmed receipt of the XX/XX/XXXX fax and said they were still investigating, and that they have 30 days. The Fair Credit Reporting Act states that disputes must be answered in 30 days or the item is required to be removed. I waited well over 30 days to call again to give Early Warning Services ample time to complete the investigation and contact me. On XX/XX/XXXX I called Early Warning a second time and spoke with XXXX. She confirmed that the notes on XX/XX/XXXX state the document was confirmed received, but she had no update on my case at all. She escalated to a Supervisor and said that a supervisor named XXXX would call me in 24-48 hours. I never received a phone call, and at this point I am tired of calling E.W.S. They have broken the law and have been giving me the runaround.
03/24/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Managing, opening, or closing your mobile wallet account
  • CA
  • 95035
Web
On XXXX, Zelle indicates that COMPLAINTANT has to use mobile data plan in order to register for a new account. COMPLAINTANT has attempted without use of Wi-Fi Network but sign-up still failed. On XXXX XXXX XXXX platform, its Zells functionality for COMPLAINTANT is also failing to send verification emails nor show up on web browsers. No other people or organization are having this problem per Zelle 's claim at this time around XXXX XXXX XXXX XXXX. Zelle states it is upto institutions such as XXXX to maintain its Zelle functionality whereas XXXX states it is upto Zelle to fix any platform issue regarding it. COMPLAINTANT is uncertain whether the fault is to be attributed to Zelle, XXXX or to both. To add, on XXXX, COMPLAINTANT tried to setup a new account with " XXXX - XXXX XXXX XXXX '' via Zelle using different email and phone number. However, around XXXX and XXXX XXXX, Zelle indicated that previous attempt of enrollment shows that use of foreign based email server/address has caused the COMPLAINTANT 's signup with Zelle to fail. COMPLAINTANT 's signup still failed upon reinstall of the Zelle app. Interestingly later on, Zelle indicated that it has no retained data of any sort of this new profile COMPLAINTANT is trying to establish. COMPLAINTANT wonders how Zelle representatives became aware of previous attempts for signup when it has no retained data of any sort regarding this incident. Zelle representative claims that it was up to COMPLAINTANT to clean-up any issues or failures as the app is user-based. However, COMPLAINTANT would like to counter-claim that if the Zelle app from its backend server had no problem to start with, COMPLAINTANT then would not have to call in. ( For what is a relatively easy and simple process for any mobile user ).
03/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MT
  • 59718
Web
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. XXXX - XXXX XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX TAB | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX
03/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 926XX
Web
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX, and XXXX This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. WAYPOINT ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
07/06/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • VA
  • 22152
Web
I was attempting to sell an item on XXXX XXXX, and was contacted by a buyer ( XXXX XXXX ) on XXXX XXXX on XX/XX/XXXX. He sent me {$220.00} through Zelle for the item. I got an error that said my account has been limited and not a business account so the money couldn't be credited and I had to send the buyer {$200.00}. The email address he provided was XXXX and the Zelle alias used was XXXX XXXX. The " buyer '' asked for screenshots of my transactions. He repeatedly tried to call me using XXXX XXXX. I did not answer these calls, as I was at work. I was told I needed to send him {$300.00} extra to further verify my account which I did. Then, I was asked to send {$500.00} MORE, to another email address : XXXX. I did not send this amount. I blocked the seller from sending any further messages. I called XXXX that day ( XX/XX/XXXX ) to report the scam. They told me they could not do anything until the money was actually deducted from my account. I called back on XX/XX/XXXX, after the money had left my account, and formally filed a dispute. I also filed a police report with the XXXX County Police Department, and a complaint with the FBI XXXX XXXX XXXX XXXX. I received a letter from XXXX, dated XX/XX/XXXX saying that my dispute has been denied. I believe I am protected by the Electronic Fund Transfer Act. In XX/XX/XXXX, the Consumer Financial Protection Bureau clarified its position on banks ' required compliance with the Electronic Fund Transfer Act XXXX XXXX also known as Regulation E. The CFPB says that " if a third party fraudulently induces a consumer into sharing account access information, '' that consumer should receive the same protections as if the money were acquired from a stolen debit card or other banking " access device. ''
04/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 43110
Web
I contacted Early Warning Services on XXXX XXXX regarding information reporting on my consumer report due to identity theft. I was denied relationships with financial institutions and currently have one account frozen due to derogatory information reporting on my account resulting from me being a victim of identity theft. I disputed this information followed with a police report requesting that the information be blocked. I also filed a separate dispute with the CFPB ( Reference # XXXX ) clearly stating the account number to the account that needed to be blocked ( XXXX XXXX XXXX XXXX XXXX ). I had been harassed by a debt collection agency named XXXX so I specifically listed the account at XXXX that needed to be blocked as there is an ongoing investigation! Early Warning Services sent a letter stating they received my dispute and had placed a block on the XXXX account due to identity theft. They didnt reference back to the XXXX account that I listed on my dispute CFPB complaint. Instead Early warning services blocked one account that list checking account fraud but not all of them! I recently tried to open a bank account and was denied again due to Early Warning Services not being fair in their practices! Also Early Warning Services is reporting several accounts from XXXX bank with different status reasons. The accounts are listed below : XXXX XXXX Account # XXXX Closed Purged XXXX account # XXXX it doesnt state what type of account this is but status lists Closed-purged XXXX account # XXXX XXXX for cause-purged This inaccurate information is critically damaging my future relationships with banking institutions and needs to be removed immediately. I owe XXXX no debt and any outstanding balances has been satisfied per my EWS consumer report.
06/16/2018 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NJ
  • 07410
Web
On XX/XX/XXXX I attempted to buy tickets from somebody through the XXXX XXXX XXXX service that XXXX XXXX offers. I split the purchase into two separate payments so that I would receive my purchased tickets before paying the full amount. After receiving what looked to be legitimate tickets, I sent the remaining amount. After trying to contact the sender regarding an incorrect date placed on the tickets after further review, I received no response and had my number subsequently blocked from calling him. I immediately tried to contact XXXX to cancel the payment. They told me that I needed to call XXXX as they can not help me. I then called XXXX XXXX and was told that I would need to start a claim. I started the claim on XX/XX/XXXX and was told that I would receive a response in 3-5 days. After receiving a letter in the mail on XX/XX/XXXX claiming that XXXX identified the transaction as valid and could not refund me any money, I attempted to investigate further and call their claim department. I was told that there was nothing they could do since the transaction was initiated by me. They said I could try to contact XXXX for further assistance, which I subsequently did. XXXX once again told me there is nothing they can do and that I have to settle this with XXXX. After calling the XXXX XXXX claims department, I asked to speak to someone about my claim who could give me further information about the investigation conducted. I was told that their investigation process involves trying to contact the receiving bank which they were not able to do successfully and thus can not refund me any money, even though this was a criminal act. I will be filing a police report since XXXX XXXX is unable to assist their customer with his scammed money.
05/17/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • CA
  • 945XX
Web
Zelle provides on the desktop version the ability to schedule automatic recurring payments, which I used to pay for a recurring weekly service using the service provider 's phone number. When I no longer needed to process those payments, I decided to " Deactivate Zelle '' ( as stated in the app ) from my XXXX app and the payments stopped. When I Iater reactivated Zelle ( weeks later ) to process other payments, the automatic recurring payments initially set up on my account were still active and kicked back up. The resulting situation was a series weekly payments resuming to the original phone number on file. However, the phone number changed ownership in the meantime, and the phone number was no longer owned by the service provider but by someone else. That new person started accepting all pending recurring payments, quickly draining my bank account. What is incomprehensible for me is that, after you " Deactivate Zelle '', your automatic payments schedule stays active and immediately gets restored as you re-activate ZellXXXX at a later time ( and can aggregate through time ). This is an abusive and unsecure feature. Consumers are getting ripped from their money as banks like XXXX push the risks on consumers and shady third-parties like Zelle/Early Warning who do little to no efforts to secure transactions. I will share my concerns where possible ( e.g., CFPBXXXX XXXX XXXX to ensure companies like Zelle/Early Warning can not operate with the level of impunity/disregards to consumer protection rules. Date of transactions was XX/XX/2022 for a total of {$500.00} ( from multiple transfers ). I contacted XXXX and Zelle on XX/XX/XXXX and XX/XX/XXXX for resolution ( cancelling the automatic transfers that got cashed in ) to no avail.
06/26/2020 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • IL
  • 60008
Web
I posted a welding machine on XXXX for sale. An XXXX customer contacted me and gave me his phone number XXXX XXXX XXXX XXXX to text him about the machine. I did contact him he ask how much you want for the welding machine I told him {$1300.00} he agreed with The price and he told me he is going to send me a cashier check for that price plus some more for the mover who's going to deliver the machine to new York. in two days I received the cashier check for amount of {$2800.00} via USPS priority mail express That was on XX/XX/2020. I deposited the check and waited for one day after the check was cleared I even called The bank to confirm that the check is good and they did confirmed that there is no problem. after all I thought the money is in my bank and there is noting to be worried about meanwhile the fake customer contacted me and ask me to send a remining balance which is {$1500.00} to his mover to come to pickup the machine via zelle transfer. I transfer the fund on XX/XX/2020 in about three days I received a notice from bank the cashier check was Alter/Fictitious and they deduct the fund out of my account. I tried so many time to contact the fraudster obviously no respond. I called the XXXX XXXX XXXX and filed complain with them. check case # XXXX Zelle claim # XXXX But when I research zelle transactions on the internet it Happened to so many people and zelle never refund them back. But according to Zelle On their web side under the tab : understanding fraud & scam it says because you did Not authorized a payment you are typically able to get your money back. How ever it Refers in case if some body hack to your computer but this obviously was fraud and Crime. This the Email address and name of recipient XXXX Name : XXXX XXXX
08/17/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 95134
Web
I wanted to sell a used television for XXXX $ and posted an ad. A potential buyer reached out to me and asked me for my zelle details to transfer money and get the tv. I gave him my email which is linked to my zelle account. Then I received an email from XXXX : REQUIREMENT TO RECEIVE THIS FUNDS 1. Get your Zelle account ready. 2. Contact the buyer for our agents info that was sent to himher via email. 3. Send the sum of {$400.00} USD to XXXX XXXX. 4 Take a clear picture/screenshot of the payment once effected & reply to this email. 5. Instant {$500.00} USD will be credited into your Zelle account. N/B- If you have any further questions, kindly send reply to this email. This mailbox is monitored and you will receive a response as soon as possible. Thank you for using zelle ZELLE CUSTOMER CARE I sent him XXXX $ and then I received another email : Zelle Logo This is to inform you that your pending payment of {$500.00} USD has been processed and approved and will be credited into your account soon. In order to get the total money credited into your account today you have to pay a certificate fee of {$1000.00} USD The certificate fee represents the approval and insurance of your funds. XXXX XXXX XXXX. Note : The Certificate Fee will be added to your pending funds and you will be credited with the sum of {$1500.00} USD Below Is The Instructions : Youre required to send the certificate fee to our agent Zelle information.Take a clear picture/screenshot of the payment once effected & reply to this email. {$1000.00} USD TOTAL SUM : {$1500.00} USD Then I realised that this is a scam and immediately reported to my bank. They asked me to contact zelle but even they are not helping me on this issue. I lost XXXX $ in total.
05/26/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • XXXXX
Web Servicemember
Consumer ID # XXXX. I received my Early Warning report and notice that there was information within the report that did not have anything in it relating to me. I was a victim of identity theft and notice that this report shows several XXXX XXXX accounts that I have no knowledge of. I sent a letter to Early Warning notifying them of this including the FCRA section 605B law and all of my identification that identifies me. Within that letter I included a copy of the police report case number in addition to my FTC ID affidavit signed and notarized. I called them regarding the status of this investigation and they stated to me I had to wait for completion. These XXXX XXXX accounts all need to be removed off of my report. The FCRA 605B ( c ) explicitly sets forth reasons the CRA must provide in order to deny or rescind a block of information from your credit report. The reasons are : 1. the information was blocked in error, or the consumer requested a block in error ; 2. the information was blocked, or the block was requested by the consumer, on the basis of a material representation of fact by the consumer relevant to the request to block ; or 3. the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. They did not provide one of the statutory reasons that permit them to deny within the four days that the law permits. The very implementation of the identity theft process was based on the intent of congress to remove any investigation by the furnisher or CRA, with blockage based only on an assertion of the consumer that is supported by a sworn police report. Please assist me in resolving this matter. SSN # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX
04/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • CA
  • 90012
Web
I sent a debt validation letter to early warning whos reporting a XXXX ACCOUNT on my report not Allowing me to opening a checking account due to false information. They responded they were not able to access the account or send me such proof on how they validated this account belong to me .isnt this illegal to be reporting an account YOU ( early warning XXXX XXXX ) dont have access to??? I recently contact XXXX for validation as well and they were unable to confirm this account belong to me as well. STILL MY EARLY WARNING CONSUMERS REPORT SHOWS THIS INVALID ACCOUNT. PLEASE HELP attached document will be attached of proof that early warning couldnt send me validation or set signature of what I requested for validation. Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, it may not furnish information relating to a consumer to any CRA, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is, in fact, XXXXnaccurate.18 If the person does not specify such an address, the FCRA prohibits the person from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.19 The statute defines reasonable cause to believe that the information is inaccurate to mean having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.20
09/22/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • IL
  • 60133
Web
I was selling a China cabinet on XXXX XXXX. A XXXX offered to purchase. We wrote via XXXX XXXX XXXX messenger. She asked if she could send a check. I said sure she waited a couple days to send it. She advised that she sent it with extra money in order to provide cash to the shipping company once the item is picked up. I received the check via United States Postal Service tracking number XXXX. I deposited the check on XX/XX/XXXX sent a receipt via XXXX XXXX messenger to XXXX. She said that it will probably clear by Monday Tuesday morning. On XX/XX/XXXX It looked as though the check cleared and the money was in my account. She then proceeded to tell me that the shipping company needed the money upfront to send {$500.00} to see if it goes through via, Zelle. So I sent it to the phone number she provided, which is as ( XXXX ) XXXX. She asked me to send her a screenshot. After that was sent she said go ahead and send {$1000.00} and you can give them the other XXXX at the time they pick up the item. She then came back to the me, and stated that the shipping company wont set up the appointment without the full amount. To go ahead and send the other {$500.00} which I did. She said that the shipping company kept on telling her they didnt receive it. I said they need to call their bank and verify. She then advised they received and shipping will be set up Wednesday the XXXX. I messaged Wednesday morning and it said it Couldnt Send I look at my account and the check was returned and my account was negative. I called the bank and submitted a claim and XXXX sent a letter stating No Action will be taken. I have all the messages and the envelope the check came in. I really hope someone can help me out or direct me of what i can do next.
02/02/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CO
  • 80023
Web
On XX/XX/2023, I was contacted by the phone number associated with the XXXX XXXX Police Department. It was a person that claimed they were an Officer ( provided name, presinct and badge number ). They claimed that I had failed to appear as a court-ordered witness ( I am a XXXX XXXX ) for a case in XXXX XXXX on the previous day. After claiming they had body cam footage of the subpeona being delivered to my office and signed, I insisted that I had never signed a subpeona. They were understanding but asked that I come into the station for a signature verification. When I agreed, they insisted that I needed to place a payment for a Surety Bond that would be returned to me immediately upon verification that the signature they had was not mine. I became suspicious of a scam but after many " scare '' tactics, threatening pursuit of a criminal action if I did not comply and insisting there was a " gag order '' placed on the case, I was scared to deny them. I completed a transfer through Zelle from my bank to whom they insisted was an agent at the Federal Reserve that would verify the payment. The total amount was {$5000.00}. I soon after recognized that it was indeed a scam and immediately went to my bank branch to see if the transaction could be reversed as it still showed as pending in my account. The bank said they could not reverse a Zelle payment but gave me the number to submit a claim ticket to Zelle. I did submit a claim but they came back and said nothing could be done. I'm hoping I can get help in recouping the money that was transfered due to the scam. Attached is the police report, the transaction details from our XXXX account, and a letter from XXXX insisting they will not take further action after our request.
11/01/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 955XX
Web Servicemember
on XX/XX/19 I initiated a conversation with a seller for a pitbull puppy. After talking said seller requested I send payment through an app called Zelle. I had never used this app and asked if it was guaranteed and was told yes. I quickly downloaded the app added my debit card and tried to send the full payment to which I wasn't able to do. I was advised by the seller to try to do half in which case I was able to do so in the amount of {$350.00}. However, it would not let me send anymore and the seller told me to wait until the next day and try again. XX/XX/19 I did so and was unable to so my husband downloaded the app and sent the other half which was {$300.00} via his debit card linked to the app. After some conversation with the seller was told the puppy would be available for me to pick up at the airport by XXXX the next day. The morning of the day of the puppys arrival XX/XX/19 I got an email from the airport requesting I send XXXX $ more for insurance I immediately got the hint that this was a scam. I called to no avail I messaged and told the seller that this was happening and I wanted my money back and they said they would I gave them until XXXX when I was headed into my bank and they did not return my money. They then blocked me so that I could not communicate with them. Since then there page has been removed and I have filed police reports and reports with XXXX and with my bank, I filed with my bank on XX/XX/2019 they investigated and told me they couldnt help me on XX/XX/2019 So I asked for them to redispute these transactions on XX/XX/2019. I spoke to Zelle onXX/XX/2019 and they would not give me any information regarding the other party who took my money and refuse to give me any help to retrieve my money.
01/22/2020 No
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • VA
  • 23803
Web Servicemember
I went to the website XXXX and contacted the person on the website to about purchasing a kitten. They emailed me from XXXX and said the kitten was XXXX and XXXX for shipping. I had many conversations with the person. They showed me pictures, videos, etc. I have purchased animals online before so I had no clue this was a scam. I paid thru Zelle {$1000.00} on XX/XX/2020. The cat was going to be shipped to me by plane on Friday XX/XX/2020. The seller sent me the plane information, told me the cat passed the wellness check to fly then told me I needed to rent or by a special cage. XXXX to buy or XXXX to Rent. Send her the money and she will take care of it. when I get the cat it will be refunded to me 100.00 % at the airport. I called XXXX XXXX and they told me that was a scam. They said do not do it. So I told the seller I could not afford than and would like a refund for the animal. They said they would do it the following morning. Since then I have not heard anything from the seller. The website is XXXX email address they used with Zelle is XXXX XXXX XXXX and phone number on the website is XXXX they gave me the address of XXXX XXXX XXXX XXXX XXXX CA XXXX. I have reported this to my bank. They are in the process is investigating and working with the other bank to get my money returned to me. I just wanted to buy a kitten and they not only stole my money but I am not getting the kitten that I fell in love with from videos and pictures. People like this make me sick to my stomach. If we could find them I have no issue pressing charges against them. Zelle Reference code XXXX I have attached all emails from the scam seller and myself and pictures of the website that is still up and running and scamming other Americans
12/07/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • TX
  • 77449
Web Older American
My name is XXXX XXXX and on XXXX XXXX I transfer money to XXXX XXXX through XXXXe/zelle {$1200.00} to cell # XXXX it was the wrong number, I was notify by XXXX XXXX the next day, she never received the {$1200.00} on XX/XX/2021 I contacted XXXXZelle open a claim # XXXX they told me that they will contact the bank for the recipient to return the money, I have called the cell number XXXX no answer, I text them twice asking them to please return my {$1200.00} no reply by him/her the XXXXzelle told me that they will return my money back on XXXX XXXX but they never did. so I called XXXXzelle customer service XXXX XX/XX/2021 and they told me, they have mail me a letter with a deny result and that I have no right for claiming my money So in XXXX/ZELLE their law it is ok for a stranger to still my money because the banks are giving them permission for strangers to keep others customers money, with no punishment, which means I am the criminal here for making a human mistake, my punishment is losing my {$1200.00} I would like your help, I need to find the identity of this individual so I can report him/her to the police department please, I am XXXX XXXX XXXX and retire I must recover this money the bank XXXX told me they very sorry they can not help me, I asked them information about the individual that they allow to keep my money and they also denied me to report this person that stole my money, they told me " we sorry we need to protect the customer identity for secure purpose " So who protect me? XXXX never mail me the denied letter I need to know why they lie, I called them asking them about my mail letter they did not want to mail me another one I think they are hidden something maybe ZELLE is stilling my money
11/18/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • NY
  • 11201
Web
On Monday, XX/XX/XXXX, I was contacted via my college email for an online job opportunity. I had assumed that this was a real business and that there would be no harm in joining this online business since I was contacted with my school email. Unfortunately, I was wrong. XXXX XXXX, XXXX, the employer, scammed me. He presented as a manager for XXXX 's Online Service Department. My task would be to handle customers ' order and ship their packages to their mailing addresses. In addition, I was promised to be compensated, weekly. The business started with me receiving a check, to deposit into my account and the employer, XXXX XXXX accessed my Zelle, XXXX, XXXX account. He made transactions on my accounts, sending out my money to his " suppliers ''. I did not authorize these transactions and I am seeking my money back. I wasn't aware of this until Thursday and tried to call him. He did not pick up nor return my calls. I came to find out that the check that was sent to me was fictitious. I was not aware of this until yesterday when I spoke with a representative from XXXX XXXX regarding these unauthorized transactions. In addition, I just found out that the check ( when you zoom in closely ) states it is a voided check. I would like for you and your team to do further investigation on this individual, and all other parties involved should be held accountable. Please help me receive my full money back. I have provided a couple of documents as proof of this incident. If additional evidence is needed, I can provide it, such as text messages and transactions made. I was able to dispute my claims with XXXX and XXXX and will be funded on XXXX. I need your assistance to have Zelle refund me the stolen money. Thank you
10/16/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 33470
Web
I was scammed by a " land-lord ''. I paid a deposit to view to meet with said land lord to view the property, and he set up the appointment, didn't show up, made up a lie, and stopped responding to me. Eventually, he responded days-weeks later, stating that he would not have any problems returning the money, and yet again stopped responding to my messages, and of course still has not returned any money. The transaction amount was for {$990.00}, after sending {$1.00} to make sure it was going to the 'right person '. I have all screenshots and documentation of communication as needed. I attempted to file a claim via XXXX XXXX, who directed me to Zelle. I filed a claim with Zelle, who of course denied the claim because I authorized the payment, but it was a scam, and it is sad to say that I truly can not afford a XXXX XXXX loss. I am positive that if this {$1000.00} was removed from the recipient 's account at any given time, they should and would understand why and there ( ideally ) should not be any issues. This was a desperate measure while looking for housing before XXXX started, and I'm sure this person scammed many other XXXX XXXX XXXX XXXX XXXX from posting nicely furnished apartments and rooms in the XXXX housing and roomates groupchat. I had confidence because I previously rented from a landlord at my previous college and had a great experience, and yes I paid my previous landlord via XXXX, zelle, etc. The interaction that I was having with this fake landlord was similar, and required a deposit just the same way, which was comforting to me because my previous landlord was amazing. Sadly enough, this turned out to be a scam. I would appreciate any help with this case. Thank you so much, XXXX XXXX
06/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 10456
Web
Dear Collections and Consumer Relations Dept. : I was recently informed of negative information reported by XXXX XXXX XXXX included in the file Early Warning Services maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a Checking Account Fraud on XX/XX/XXXX. I am unaware of ever having a Checking Account Fraud from XXXX XXXX XXXX Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this Checking Account Fraud bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. Its been four years and I dont get receive any tangible reason. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of XXXX Attorney Generals office. should you continue in your non-compliance. further remind you that, as in Wenger v. Trans Union Corp. No, 95-6445 ( C.D, Cal. Nov 14. 1995 ), you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Sincerely, XXXX XXXX
09/27/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem making or receiving payments
  • NY
  • 11101
Web
Hello, To whom it may concern, I am writing this letter today out of desperation after using the ZELLE option available on my XXXX banking application. On XX/XX/2022 sent out {$1900.00} and {$1.00} in order to check if the account was correct but the person in question never answered my text messages and I proceeded to send the total amount needed for their services. On XX/XX/2022 sent out {$2000.00} and on XX/XX/XXXX sent out {$2000.00}. Total sent out {$5000.00}. The party told me that they have never received the money. They claim that they do not have the money so I will not receive the services. I think that the money might have been sent to the wrong person by using the wrong phone number on ZELLE. Either way, I am being victim of a SCAM because the party that received the money is not returning it to me. After trying to contact ZELLE by phone and by email several months, finally I was told that I can not deal directly with ZELLE, that I need to call my bank XXXX which I used their services from. I called to file a claim with my bank XXXX and was given a reversal money payment on XX/XX/2022. I could not open the message on the XXXX application so, I thought that justice had been served and that I won the claim, I therefor transferred the money back to my savings account but on XX/XX/2022, XXXX reversed the money and took it back. I still have not received a claim status!!!! Now, my checking account is overdrawn and I was charged overdraft fees. I really need your help because ZELLE is refusing to cooperate with my bank XXXX, and I am not allowed to get the information of the person that kept my money to pursue them in civil court. Waiting for your return, Thank you so much, Sincerely,
03/03/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • FL
  • 33615
Web
On XXXX XXXX The guy name XXXX XXXX sent me the amount of XXXX by Zelle XXXX by accident, and he called me to beg me to return the money to him because he have to pay rent and he doesn't have enough money to pay for it. So i told him to wait until I talk to my XXXX bank. On XX/XX/2021 XXXX XXXX called me again to ask me to refund money to him, so i call me XXXX bank and ask the XXXX XXXX to see if it's ok to send back the money to him. The agent told me It's ok to refund it to him because the payment when through and clear. I asked the agent, are you sure about it? Because i don't want XXXX dispute the first transaction after i send the money to him. The agent to me that's he sure about it because It's electronic payment so there is no way he can dispute it. So i sent back XXXX to XXXX. On XX/XX/2021 I check my XXXX bank account and i saw Zelle disputed for another XXXX. So i contact XXXX and they said, they will do the investigation. On XX/XX/XXXX, i received an letter said the payment was correct and there is nothing they can do about it. So i contact XXXX to ask him to return the dispute money back to me, and then we found out XXXX already cancel the dispute after i sent the money to him on the XX/XX/2021. But Zelle and XXXX still took my money. XXXX XXXX never receive the dispute money and the money never deposit into his account. We called XXXX line with Zelle to talk about it but they can not do anything. I also contact XXXX bank multiple times regard this problem but they can not help me. Right now im lost XXXX and we don't even know where is my money. Please help me to solve the prolem. Im so stress out when i call XXXX and Zelle with no help at all. XXXX and Zelle stolen my money.
10/26/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Confusing or missing disclosures
  • NJ
  • 079XX
Web
Zelle is a free service provided whereby Zelle provides a user interface for the institution to integrate with. The interface is the same for each institution - at least each institution that I use that offers the Zelle product. The interface is very confusing- it offers immediate transfers within limits, next day transfers within limits. When creating the request to transfer, the limits are stated but the disclosure is confusing. For instance, I needed funds to be transferred immediately. The disclosure did not indicate that the transfer would not occur immediately, until after I initiated the transfer. Then the transfer request result reported, " sent today, available tomorrow ''. Now I needed those funds transferred immediately. My only option now was to pay {$10.00} to reverse the funds and I called the bank ( XXXX in this instance ) and they told me that it take weeks to get the funds back after cancelling and they they could not help me - better to let the transaction go thru. The PROBLEM - because it was not immediately as expected - I now incurred fees at the other institution. If I would have know that this was not going to occur immediately, I would have went to the bank and made a withdraw and a deposit to the other institution. Deceptive. Not efficient. Not customer friendly. I would like my fees paid by ZELLE and XXXX- the bank should have a responsibility to make sure that a product they offer meet certain standards. While writing this complaint..XXXX XXXX called and totally did not care about the issue- very condescending. She just said- well it doesn't do that. OMG. What standards are companies- especially banks held to. If they need customers- they don't care to show it.
04/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem canceling credit monitoring or identify theft protection service
  • IL
  • 60605
Web Servicemember
I Originally informed Early Warning services of XXXX Fraudulent & Inaccurate Accounts that is being reported on my behalf over the phone Last year on XX/XX/2021 & XX/XX/2021. These Accounts were Fraudulent and Represented a Different Name, Someone Named : XXXX. My name is XXXX. Upon Speaking with Representative XXXX Id XXXX XXXX, I Requested To dispute these Fraudulent Accounts! Unfortunately, he was Ignorant to federal law in regards to the consumer & Essentially was unable to be of any help. I was Then transferred to the Supervisor XXXX & At this Point it had exceeded 30 Days of my Original Dispute and still there Wasnt any Remedy. So i elected to have my name completely removed from their system entirely which is my Right Pursuant to USC 1681b ( e ) ( 1 ) & XXXX acted as if he was unaware of the Law & unable to grant Me My Right of Election to be removed entirely from the System He was Representing. His English Was Equivocal & he was Also unable to assist me. After the Phone call i Sent & Faxed a Letter to their Company on XX/XX/2021 Explicitly Notifying them That i was Electing to have my name and addresses Completely Removed from their system. I Elucidated that they were in Violation of Federal Law and that i would Be notifying The CFPB if they are unable to Comply with Federal LAW. Their willful Disregard to Federal law and non-compliance has essentially damaged my Credit File as well as my consumer Report and Reputation. I Have not been Able to Extend my credit to a Plethora of Companies because of their Inability to Report Accurate & Fair information on my behalf. I Am Now Demanding that they Completely Remove my Name from their system Or I will Be Seeking {$1000.00} Per Violation
02/09/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • LA
  • 70056
Web
On XX/XX/21 I contacted a dog seller on XXXX, seller said they had a yorkie available to ship by next day air. Puppy cost {$900.00}. I zelled XXXX the {$900.00}. The next morning he sends me a email regarding a bill of sell. Transferring the puppy from him to me. Filled the paper and emailed it back. Hrs later they tell me they where on the way to the airport send me a picture and all. Hrs later the airline transporting the pup emails me saying I have to pay a pet deposit of {$600.00} if not they wouldn't be able to transport the pup. I got in contact with the seller and asked them what was that about. They replied saying don't worry it's 100 % refundable and it's just a security pet fee. I sent the {$600.00} through zelle to XXXX. hrs later they emailed me saying they just arrived to XXXX and that me and other pet buyers didn't pay the Transferring of pet from state to state which will cost {$800.00}. I wrote to the seller again telling them that they should have told me from the beginning what my fees wore. They tell me again it's just to transport your pet from state to state. I was do hesitant but naive but I sent the money via zelle to XXXX. three hrs later they have the nerve to ask me for {$1200.00} saying they had to give the puppy 2 shots. Each shot cost {$600.00} and I needed to pay for that. I contacted the seller again requesting my money but of course they declined my request and deleted their XXXX account and won't refund my money. I contacted the bank and explained my situation and said they will email zelle to see if they can get ahold of the persons bank and find out what happened but I just received an email saying that my claim was resolved and no action would be taken.
03/09/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 337XX
Web Older American, Servicemember
Back on XX/XX/XXXX we sent my son who lives in XXXX {$2000.00} from our savings account this time, normally we used our checking account, from our XXXX XXXX XXXX mobile application, we always use the Zelle application to send him money, on XX/XX/XXXX we got a phone call from XXXX XXXX XXXX 's customer 's service ( caller ID ), saying they were from XXXX XXXX XXXX 's fraud department up in XXXX and that somebody was trying to withdraw {$3400.00} from our account fraudulently using the Zelle and they needed my help to try to stop them, I was asked to open my mobile bank app and go to Zelle application, XXXX was the number they used to send, XXXX to XXXX, I was told that this would help them find the people that were trying to steal our money so I was tricked and did not truly authorize this transaction to take place, I was told not to open my bank account on my phone for the next 24 hours and they would call me the next day and give me an update which they did but when they called they did the same thing over again and unfortunately talked me into cheating me out of another {$3400.00} and I was scammed again and finally wised up and did not talk to them anymore and I called XXXX XXXX XXXX 's fraud dept and they told me that they would investigate and then I got an email from them on the XXXX saying that the case was closed and that there was nothing they can do, because I wrongly gave them withdrawal permission, that I'm out the money so I would really appreciate your help that I was truly tricked and influenced and did not intelligently authorize the transactions so I would appreciate any help you could get with me with getting the {$7000.00} back thank you very much for your time
09/03/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NH
  • 03301
Web
A scammer, who identified himself as XXXX XXXX, responded to my XXXX XXXX ad in which I listed 2 tickets to a XXXX concert for sale. He asked me to text him at ( XXXX ) XXXX, which I did. We discussed ticket price. He asked to use Zelle instead of XXXX or XXXX. He purported to send me {$440.00} for the tickets. I received an email that appeared to be from Zelle telling me that the {$440.00} was in escrow, and that to release the funds, the scammer had to send me {$140.00} and I had to refund him {$140.00} in 30 minutes. At first, the interaction did not go through - my bank, XXXX XXXX, XXXX, stopped it. I called the bank and the person with whom I spoke neglected to tell me that, in fact, the scammer had never sent any money to me through Zelle. The bank released the {$140.00} to the scammer ; unbeknownst to me the buyer had never actually Zelled me the {$440.00} for the tickets or the {$140.00}. I received another email telling me that the scammer had to send me another {$140.00}, presumably because I had taken more than XXXX minutes to refund the first {$140.00}. I again had XXXX minutes to refund the second {$140.00}. I received a fake notification from Zelle telling me the {$140.00} was waiting for me and again Zelled the scammer {$140.00}. I then received a third message, purportedly from Zelle. telling me I had to get the scammer to send me another {$100.00}, which I had to refund immediately. As before, I received a message that the {$100.00} was waiting. I tried to send the scammer the {$100.00} back, but bank stopped the transaction. I called the bank and finally learned that Id been scammed out of {$280.00}. The bank is pursuing a fraud claim with Zelle on my behalf.
03/27/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • XXXXX
Web
I applied for a checking account with both XXXX and XXXX XXXX XXXX on XX/XX/XXXX and was denied due to incorrect reporting of a fraudulent account that was proven to be fraud by XXXX Police Department. The police report number is XXXX. I disputed the information with XXXX XXXX XXXXXXXX but they have yet to delete the fraudulent account from my credit. I have a pending lawsuit against XXXX XXXX XXXXXXXX for incorrect credit reporting. The report sent to XXXX XXXX XXXXXXXX on both XX/XX/XXXX and XX/XX/XXXX : I stored my personal items at a friend 's house because I was XXXX for a few months prior to relocating to college in XXXX, XXXX. I went to XXXX XXXX XXXX on XX/XX/XXXX in XXXX, XXXX to be added to my aunt 's checking account as an authorized user and was told there was an account on my XXXX report from XXXX XXXX XXXXXXXX that was reporting fraudulent activity at an address I have never lived at ( XXXX XXXX, XXXX, XXXX ). I filed a police report in XXXX, FL, where I currently reside, because I suspect the tenant, XXXX XXXX of XXXX, GA, stole my identity, then used my information to open an account without my permission. The account was opened in XX/XX/XXXX, according to XXXX report. I attached my IG with my Georgia address, the only address I've ever lived. XXXX XXXX XXXXXXXX Replied stating they would not remove the account and expected payment because an individual walked into the bank on XX/XX/XXXX and opened an account with my ID. My ID and SSN card was stolen, as I stated above, and even after I provided XXXX XXXX with the identity theft criminal report case number from XXXX Police ( XXXX PD Criminal Report # : XXXX ) upon request, the account still has not been removed.
04/19/2022 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Fraud or scam
  • ID
  • XXXXX
Web
On XX/XX/2022 a scammer disguised as an interested buyer on XXXX marketplace became interested in the product and he said he can only use Zelle to transfer money to buy the product. He pretended to send the money, sent a fake screenshot of the transfer, and then sent a series of fraudulent emails replicating a real bank Zelle email. The first email stated : " We have a problem crediting your funds {$300.00} because the account status is not a business user which makes your account have limits. This amount seems to be above your limits so you have to take this urgent step to expand your limit To fully expand your account into a business account, contact the buyer of your item to send in an additional payment of {$300.00} into your Zelle account to expand your limit. Soon as this is done, we will credit your account with the total sum of {$600.00} and free {$50.00} bonus from Zelle user administration. '' The second email stated : " We congratulate you for successfully upgrading your account to a Business User which gives you Unlimited Access to receive any amount of money from now on. For your account to be credited fully with the sum of {$650.00} USD. You are required to contact the sender to refund back the sum of {$300.00} USD so as to secure the additional payment sent to expand your account. Below Is The Instructions : Contact the sender for information to refund back the {$300.00} USD Take a picture of the {$300.00} USD payment and reply to this email. Instant {$650.00} USD into your Zelle account. " Additional emails were sent by the fraudulent bank emails to send additional money. At this point, I finally realized this was a scam but still ended up losing {$300.00}.
04/25/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MD
  • 217XX
Web
I received a call from the XXXX XXXX police department ( came from that phone number ) and the person left me a voicemail saying he was sargeant XXXX XXXX with the XXXX XXXX sheriff 's office and needed to speak with me regarding an ongoing case. He provided a cell number to call him back at. I called back and left a voicemail and he then returned my call and said I had jurty duty that I didn't show up for and therefore was being given XXXX citations. He provided citation numbers and told me that I needed to pay these fines and meet with a judge in order for it to not remain on my record OR I can have it remain on my record. He provided me with another Officer in the Treasury Department, XXXX XXXX and an email address ( XXXX ) to send payment to through zelle. He said once payment is received, I will receive a notification and be transfered to his receptionsit to set up a court date with the judge via XXXX. I sent money and then they hung up. I have contacted my bank, XXXX XXXX and they said they can't do anything to help me. I have tried requesting a refund through Zelle but now the recipient is no longer regsitered with Zelle. I filed a police report but they haven't done much at all either. XXXX XXXX told me that they could not help me because the money was sent through Zelle and had already been processed so they couldn't refund or cancel the transaction. Clearly the recipient of the money had some sort of bank account and was able to receive the zelle transaction so was that account holder legit or did they falsify information to get a bank account? I feel that there should have been some sort of protection that verifies account holders and accounts before sending money.
03/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • CA
  • 95827
Web
On XX/XX/2021, I applied for an online checking account at XXXX with a {$200.00} cash offer to open the checking account. After I filled out the information and submitted the application, I received a notice that my application for a checking account was denied. I received a notice that XXXX would not open a checking account because of information from Early Warning Services. I attached the notice to this complaint. On XX/XX/2021, I contacted Early Warning Services to find out what is going on. They wouldn't give me the information over the phone. They claimed that it would take several days to send me the report. I requested for the report. They emailed me a Deposit Score that I attached to this complaint. Early Warning Services could not help me fix the problem. On XX/XX/2021, I called XXXXXX/XX/XXXX to find out if I could get someone to help me open the checking account or a least find out the reason my account was denied. However, everyone I talked to did not seem know what to do. They all sent me to different people and no one was able to help me. After talking to a few different people, I was sent to another department that was not able to help me and my call was ended. I do not understand why I was denied a checking account. I have not committed any fraudulent activity. I work for the U.S. Attorneys Office in the Department of Justice. I received an extensive background check for a security clearance. I would lose my job if I committed any kind of fraud. I have not over drafted any of my bank accounts. I have checking accounts with XXXXXX/XX/XXXXXXXX XXXX and XXXXXX/XX/XXXX Applying for a checking account has never been an issue and this is the first time I was denied.
03/22/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • CA
  • XXXXX
Web
My complaint is general. It is about the service called XXXX. I have called multiple banks and been allowed to block the service at some, but not others. Banks appear to be using XXXX as a way to avoid liability for fraudulent charges showing up on checking and other bank accounts. It is used by those committing fraud to quickly transfer funds out of a bank account. The banks then say that the transfer was authorized and that they are not liable due to the nature of the agreement with XXXX. I am complaining that XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and others are using XXXX as a means to facilitate fraud, and as a means to avoid their legal obligations related to protecting customers from fraud. They furthermore deny consumers ( such as myself ) the agency to prevent such transactions by blocking the service. The service, while convenient, is not without risks and liabilities and not allowing consumers to opt out of such a risky proposition is criminal. I'm requesting that XXXX be held accountable to the same banking laws that apply to other banks and money transfer services, and that Banks be required to allow consumers ( myself included ) to opt out of the service permanently, not just temporarily based on the lack of having signed up. To be clear, I am not able to opt out of the service completely at any of the above listed banks. I am not signed up for the service, but I have no ability to prevent funds from being used on the service without closing my account and going elsewhere. Plainly I can block one bank from another, but I can not block XXXX from any of my bank accounts due to this fraudulent scheme.
06/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33060
Web
I have recently been informed that there is negative information reported by XXXX XXXXXXXX XXXX in the file Early warning service maintains under my Social Security number. Upon ordering a copy of the report, I see an entry from this bank listing a Fraud In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consume rights to privacy and confidentiality under 15 USC 1681. I told the Early warning to reinvestigate these accounts : 1. checking account ending in XXXX was charged off on XX/XX/XXXX, 2. checking account ending in XXXX that was charged off XX/XX/XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.Crx 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any Consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
03/03/2020 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Other service problem
  • MA
  • 02184
Web
Money sent via Zelle was sent to wrong mobile number and accepted by the person. I was given a phone number, which was incorrectly provided to me, and request for funds transfer was sent using Zelle via my XXXX XXXX XXXX account. I was asked to verify the number and transaction, which I did, and the funds were transferred - easy right? yes. maybe too easy! I realize this is not an issue with the Zelle service per se, however, it would be wise for Zelle to implement a requirement in the feature that a {$1.00} or low value transaction be processed the very first time the service is used between new numbers, emails or contacts. This would allow the person initiating the funds transfer to ensure that the {$1.00} actually got to the person/number/email, that it was intended to go to. Once the low dollar transaction processes is confirmed, then larger amounts could then be transferred with confidence. In my scenario, the mobile number given to me by a real estate agent for a contact of hers to do work on our condo was incorrect. I confirmed with her the mobile number and then sent {$700.00} on XX/XX/20 off to the persons mobile number. I confirmed the transaction and money was sent. However, when the intended person never received the funds, only then was when we realized that the real estate agent incorrectly typed the mobile phone number that she told me to transfer the money to. I contacted my bank who put me thru to Zelle who returned me to my bank and neither of them can take any action to help me except provide the name and number ( that I already had ) so that I could then reach out to the person myself to attempt to get the money back. Like that's gon na happen!
08/22/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • IA
  • 50310
Web Servicemember
When ever I open any form of a credit or bank account XXXX early warning system, reports so incorrect and miss use of there power because Not one single person is checking on the fact that I was avictim of the XXXX breach and XXXX XXXX Breach to also be top off by my realtive whom I share the same name as well as DOB, and Social security number being swapped around.thusfore if the credit bureaus and ers were properly doing there job they would have caught my aunt using my name as well as my Social Security Number and other vital information was on the dark web for sell and yet coupled with the knowledge of this the**MASSIVE ISSUES** I'M BEING HEEALD RESPONSEABLE FOR MY IDENTITY BEING OFFERED TO WHOMEVER BECAUSE OF BOTH EQUIFAX AND XXXX XXXX, NOT HAVING A MORE SIGNIFICANT DATA PROTECTION FIRE WALL AND OTHER ADVISIVE SECURITY BASE TO PREVENT THE CONSUMER OF BEING UNWILLING PARTICIPATES IN THERE GAME AND SPOKEN TO AS THOUGH WE WERE THE SUSPECT.ALL CREDIT BUREAUS KNOW THAT I WAS A victim of identity theft due to the fact that my aunt was perpusly willfully and premeditatedly using my identity and commiting fraud against stores and shop owners as well as several bank institutions. My family and the late judge XXXX worked tiresly to prevent me from being a unwilling and unparticpant yet no one has decided to go on with doing what is the right thing to do and correct all the wrongs they have allowed to go on ruining my life and my credit. I'm asking for all corrections and experid be removed and strickened from my reports, public and private within the,30 day time frame alotted by law.if you have any questions please feel free to contact me again via phone @ XXXX Sincerely Mom
04/22/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • XXXXX
Web
I have submitted a dispute to Early Warning Services several times now and the false inaccurate information still remains on my report. As i have stated to Early Warning Services the information being reported from XXXX XXXX about a XXXX Checking account, and from XXXX XXXX XXXX for Checking, Savings and Investment accounts are incorrect on the Consumer report they provide. I have made several attempts to contact them and instead of reading my concerns they continue to say the information being reported is accurate. Even though these accounts were opened as a result of the identity theft that had occurred to me. Which i have also informed them. These accounts XXXX XXXX XXXX, and XXXX XXXX XXXX, as well as XXXX XXXX, and now i am seeing a XXXX account all were opened as a result of Identity theft. I never lived at XXXX XXXX XXXX XXXX, Tx XXXX nor XXXX XXXX XXXX XXXX, Tx XXXX. It's also good to note i have reported this identity theft to the FTC which i will attach. As the XXXX information XXXX XXXX is reporting is that these accounts were " Closed for a Cause '' which is affecting me from obtaining another checking account. These account 's were never opened by me, and in fact i did file a identity theft claim with XXXX XXXX. XXXX XXXX Advised me they were " Researching '' Never responded to my claim and i have marked that in my Identity theft report as well. I have never banked with XXXX XXXX, Nor XXXX XXXX and i want this information removed from my report with Early Warning Services. XXXX XXXX told me they never reported any Account information to EWS even after showing them proof. So please review and remove these accounts opened as a result of identity theft.
04/26/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 90045
Web
I was contacted by someone posing as a XXXX XXXX XXXX ( XXXX ) representative. The number they called from matched the one on the back of my XXXX debit card. He said that someone tried to use Zelle to transfer money from my XXXX checking account. To thwart the transfer, he said he would assist me in transferring the money back to myself. I realized this was a scam halfway through ( even though the text messages with verification codes that he was sending to my phone were sent -- like official XXXX texts -- from a five-digit number ). This resulted in {$2000.00} being transferred from my XXXX checking account via Zelle to this unknown individual. I immediately went to my local XXXX branch the same day ( XX/XX/XXXX ) and a staff member helped me call the XXXX Claims line. I filed a claim and am awaiting their judgment. However, I have seen reports that XXXX often declines to reimburse people who authorize a Zelle transfer as a result of fraud/scam. But it also came to my attention that in XXXX of XXXX, the CFPB made it clear that if a third party fraudulently induces a consumer into sharing account access information that is used to initiate an EFT ( electronic funds transfer ) from the consumers account, that does meet Reg Es definition of an unauthorized EFT. CFPB further states that when a consumer is fraudulently induced into sharing account access information with a third party, and a third party uses that information to make an EFT from the consumers account, the transfer is an unauthorized EFT under Regulation E. '' If possible, I would like the CFPB to contact XXXX on my behalf and reiterate this position to the claims department handling my claim. Thank you.
06/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33060
Web
I have recently been informed that there is negative information reported by XXXX XXXXXXXX XXXX in the file XXXX XXXX XXXX maintains under my Social Security number. Upon ordering a copy of the report, I see an entry from this bank listing a Fraud In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consume rights to privacy and confidentiality under 15 USC 1681. I told the XXXX XXXX to reinvestigate these accounts : 1. checking account ending in XXXX was charged off on XX/XX/XXXX, 2. checking account ending in XXXX that was charged off XX/XX/XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.Crx 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any Consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
03/15/2023 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Other transaction problem
  • NY
  • 142XX
Web
To whom may it concern My name is XXXX XXXX And i live in XXXX, NY Since 2021 i have been experiencing the worst treatment ever from our financial system. I never has issues before but since 2021 i have encountered the biggest obstruction to to enjoy from my financial citizen rights. I am not allow to do any kind of transaction national or international, to any family members or for any business purpose without been block or without been sent through the fraud department. This happen to me, to my brother or any friend who try or need to do a transaction with. It also happen if i try to do an international transaction to a family member abroad or with business purpose in any financial institution. I am been investigate as a criminal when doing transaction trough banks or through any online money transfer or for the banks fraud department. I also have a digital wallet business and i am also blocked from running my business national or international. My wallet website is quickmo.net/quickmo.ca My latest experience was with the following institutions : XXXX XXXX, XXXX XXXX Zelle XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want an investigation to find out who is behind of this global blockage towards me, my family and my business peers? Why i am been blocked from the entire financial system in USA and XXXX to do transaction like a normal civilian? I am not a criminal and i am been treated like the worst criminal of the world. I believe that i rights a citizen of the USA and i deserve to be treated with the same respect that this institutions treat other people. If you need prove of the transactions let me know Thanks XXXX XXXX
03/14/2017 Yes
  • Credit reporting
  • Improper use of my credit report
  • Report improperly shared by CRC
  • NY
  • 115XX
Web
I contact Early XXXX after my account was closedXXXXXX/XX/XXXX. I called then to get more information to see what happened, but so far not a good answer, because they could give no information until a submit a copy of my report that will take 15 to 30 days. ( until this time i was without no payment, i could receive my payment, because i could n't open account any place until i resolve that ) So they took almost a 23 or more day for me to get the report. Soon i receive i call then to help me to dispute, because i never receive a letter for the XXXX banks informing me about that they will be add a NEGATIVE IN MY NAME and caused so much XXXX and affecting my business. I email ( a copy are attached ) and responding to Early Warning on XX/XX/XXXX, a document to dispute both negative that was in my name since i i didn t even know why and reason for all this. I called Early Warning on XX/XX/XXXX to see if my case was resolve, and unfortunate i receive a bad new that the bank did not going to remove and dispute the negative in my name and i have to wait until XXXX XXXX, because after 5 years will be removed automatic. Im sorry but this agency they not looking for to help us, they a not taking me seriously at all. I have n't been able to cash my check for almost 3 months now, because i ca n't open a checking account, i became miserable and i do n't know what to do, because every time that i try to solve the problem that i did n't even know and i never was inform regarding for this negative. Please help me, because this situation has to be resolve quick as it is affecting my business. this s not acceptable and, as you can image, is causing me a good deal of XXXX.
02/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 79938
Web
I am writing to inform you that you are in direct violation of the Fair Credit Reporting Act ( FCRA ) for reporting information about my account without my consent. The specific laws that you are violating are listed below in this notarized letter, according to the Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ) laws, rules, and regulations. No one has received my written or oral consent to publish any transactions to my consumer credit report, which is a violation of 15 U.S.C. 1681 ( a ), which states that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both. In accordance with 15 U.S.C. 1681a ( d ), the term " consumer '' means an individual and the term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for credit or insurance to be used primarily for personal, family, or household purposes, or for other purposes authorized under section 1681b of this title. I demand that you email me a copy of my consumer report you have in file immediately since this will be the second time I ask for this and have yet to receive it. I have provided my license and paystub for immediate response.
08/25/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 91364
Web
On XX/XX/2023, I was inhumanly coerced to send XXXX XXXX dollars ( {$2000.00} ) to a Zelle account of a user I did not know. Again, on XX/XX/2023 I was inhumanly coerced to send XXXX XXXX dollars ( {$2000.00} ) to another Zelle account of a user I did not know. On XX/XX/2023, I submitted two ( 2 ) transaction disputes via my financial institution XXXX XXXX. On XX/XX/2023, I received a phone call and was threatened to be " sued '' and " killed '' if I did not cancel the Zelle disputes. On XX/XX/2023, I called XXXX XXXX and cancelled the disputes out of fear. On XX/XX/2023, I opened a XXXX XXXX account. On XX/XX/2023, I received five ( 5 ) notifications that someone attempted to use my identification/personal information with XXXX XXXX XXXX I also discovered on that day that someone opened a credit card with XXXX XXXX XXXX XXXX under my name with my identify/personal information. The date the credit card was opened was on XX/XX/2023. I did not open this credit card and did not authorize anyone to do so on my behalf. I am not an existing customer of XXXX XXXX XXXX XXXX I have already notified XXXX XXXX XXXX XXXX of the account being unauthorized. On XX/XX/2023, my financial institution XXXX XXXX closed my bank account completely. On XX/XX/2023, I received a phone call from XXXX XXXX informing me of suspicious activity being made with my account. The date the account was opened was on XX/XX/2023. I did not open this account and did not authorize anyone to do so on my behalf. I am not an existing customer of XXXX XXXX. I have already notified XXXX XXXX of the account being unauthorized. I discovered that Zelle completely closed my account as well.
06/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11414
Web
I have wrote to the credit reporting agency and also send the letter I received from the court stating that they did not send or share my private information with the credit reporting agency. A Bankruptcy is being reported in my credit file which should not be reporting on my file. this is a violation of my consumer right pursuant to the privacy act of 1974 -5 U.S.Code section 552a. this law applies to the access to, and disclosure of, records of individuals held by federal executives and regulatory agencies.The agency also violates 17 CFR 230.425 filling of certain prospectuses and communications under section 230.135 in connection with business combinations; soliciting materials according to rule 14a-12 under the exchange act and Sarbanes-Oxley act of XXXX XXXX This error on the credit reporting agency part is destroying my life, I am depressed and now suffering of anxiety, I am being denied credit. I have not given this agency a written consent to report this information in my file yet they are reporting what ever they feel like selling and buying my personal and private information, they are also violated 17 CFR 248.124 Reasonable opportunity to opt out. I have tried to resolved this issue in 2022 and I have been ignored and disrespected every and each time I have reached out in good faith.As a federally protected consumer I am opting out of any and all authorization I the consumer may have giving you per 15 USC 6802 per the opt out law cease and desist immediately reporting the bankruptcy on my credit file.The violations include obtaining information under false pretence, pursuant 15 USC 1681q ; permissible purpose of my consumer report.15 usc 1681b
09/03/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • 145XX
Web
On XX/XX/22 was trying to sell a futon in XXXX XXXX. Someone contacted me to buy the furniture and wanted to send me a Zelle payment before pickup. I have never used Zelle before, so when I got an email from " Zelle '' it looked legitimate and it said that my payment of {$200.00} was on hold and needed to be verified before I would receive it, and it said the sender would need to send an additional {$500.00} to verify it's a real transaction. At this time the sender was on the phone with me, telling me this happens all the time and this is what happens with Zelle. The sendder also said his name was not who I was talking to originally on XXXX. Once he allegedly sent the {$500.00} I got another email from Zelle saying I needed to send the {$500.00} back to him to be refunded and I would get the full {$700.00} deposited into my account, and I would need to send proof of payment to Zelle, which I did. Then I got another email saying the payment was not approved and it was actually supposed to go the the Zelle accountant for verification and I would get refunded the {$1200.00} once they verified the account was real. At this point I knew I was scammed. The man hung up, and I immediately started calling my bank to cancel the transactions. The man called back after sending another bogus Zelle email to give them another {$1000.00}. I told the man the email said he's now supposed to send me the {$1000.00} which he didn't believe and I told him " look, I know you're a scammer, just send me my {$1000.00} back please '' to which he didn't and hung up on me. I spoke to my bank to try to cancel the transactions and they put in an investigation to dispute the claims.
07/15/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TX
  • 77054
Web
I sent XXXX XXXX ( XXXX, TX ) {$500.00} as sublet deposit on XX/XX/2021, via Zelle. But after a few days, it turned out this person is a scammer and I can't reach him any more after paying the deposit. I called XXXX customer service on XX/XX/2021 and reported the Zelle scam. They filed a scam report case number XXXX with Zelle. Then I called Zelle 's customer support. I could only reach Zelle 's in-app customer support and they couldn't look up the case number because I was using Zelle with a bank not the Zelle app. They transferred me back to XXXX customer support once they heard that I was using XXXX to send Zelle payments. Finally I got connected with a XXXX customer support who knew what was going on and told me to wait for results. Only recently did I receive words from XXXX that Zelle responded on XX/XX/XXXX, that they were unable to return the funds because it was not a scam. How were you able to make that decision without even getting materials from me the victim? Here 's all the materials that I can provide via this site to show that this is an actual scam. I filed a police report with XXXX PD. More background on the scam : I saw the sublease post on XXXX. Then started texting the scammer with phone number XXXX XXXX XXXX ( now doesn't exist ). After getting the details about the sublease over several days of communication, we had a XXXX video call. Then we finalized on the sublease contract. We both signed and sent the copy via email XXXX ( used for Zelle but now unregistered ). I paid a {$500.00} deposit via Zelle during the signing. Afterwards, the scammer can no longer be reached. Original XXXX post was deleted : XXXX XXXX XXXXXXXX
05/20/2022 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • CA
  • 94601
Web
On XX/XX/XXXX, I lost {$1900.00} in an advance payment scam. Multiple callers working in tandem, posing as a police detective and ICE agent, convinced me that I was under investigation for illegal activity involving a passport linked to my birth country. In this way, I was tricked into sending money through Zelle to someone who I was led to believe was an attorney handling the case. I was told that the money was an insurance deposit against my trying to run away from the investigation. When I realized I had been scammed, I immediately contacted my bank, XXXX XXXX. They told me that there was nothing I could do to retrieve the funds through XXXX, but that I could file an IC3 complaint, which I did. After calling XXXX again today ( XX/XX/XXXX ) and getting someone else on the line, I was able to file a dispute on the transactions. The phone number to which I was tricked into sending the money was XXXX, and the name that appeared on the Zelle account of this number was XXXX XXXX. The first XXXX representative I spoke with told me that this account was apparently linked to a XXXX XXXX XXXX. I found XXXX XXXX XXXX XXXX Loss Control Department phone number ( XXXX ), but I can not get anyone on the line and have received no responses to my voice messages left over the last two days. Today, I also filed a report over the phone through Zelle 's customer service line. I haven't been given a copy of my reports with XXXX or Zelle, and I do not know how long it will take to receive a response. I've attached screenshots of the Zelle payments to XXXX XXXX and the phone numbers of the imposter ICE agent and police ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ).
04/20/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • DE
  • 199XX
Web Servicemember
On or about XX/XX/XXXX I received a letter from XXXX that they received a negative finding from a company called EARLY WARNING, XXXX XXXX XXXX XXXX, XXXX AZ XXXX. This notice stated I could receive a free copy of this report by going to https://consumerservices.earlywarning.comI downloaded the form, filled it out and faxed it in on XX/XX/XXXX.I received this report on XX/XX/XXXX as an attachment to my personal email at XXXX.This report contained every type of identity information known to mankind, specifically Routing numbers and account numbers of banking information, most notably my current XXXX account, and specifically EVERY transaction taking place in my XXXX Account.On XX/XX/XXXX I met with the Assistant Branch Manager, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX DE T: XXXX and showed her this report. She stated that she was NOT aware that Early Warning was reporting detailed transaction information on my XXXX Checking account. She escalated this to its corporate office in XXXX PA. I received an email from a XXXX XXXX RE: Case# XXXX and her direct line is XXXX. Because of some medical appointments I was unable to contact her as of the date of this complaint. Yesterday, XX/XX/XXXX, I spoke to Attorney XXXX XXXX XXXX of XXXX as a telephone consultation. Based on the information I sent him he recommended I contact the Delaware State Attorney General at my earliest convenience.I do believe this is a blatant violation of privacy on both parts of this EARLY WARNING company as well as XXXX as I believe XXXX is releasing this information to EARLY WARNING without my permission and EARLY WARNING is providing it to any company who will pay for the report.
12/07/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • PA
  • 18104
Web
XXXX XXXX Consumer ID # XXXX I am writing to dispute the following information By the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose. Name : XXXX XXXX XXXX XXXX ID # : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX ID # : XXXX XXXX XXXX ID Type : Driver 's License/USA ID State : PA ID Exp . Date : XX/XX/XXXX Alt ID # : XXXX XXXX Alt ID Type : Other Alt ID XXXX : PA Alt ID Exp. Date : XX/XX/XXXX Date of Birth : XX/XX/XXXX Bank Routing # : XXXX Account # : XXXX Account Type : Primary signer Incident Date : XX/XX/XXXX Principal Loss : {$7100.00} Fee Reversal : {$0.00} Combined Loss & Fee Reversal : {$0.00} Paid/UnPaid/Settled : Unpaid Contribution Reason : Account Abuse This is inaccurate information reported, I filed two complaints with Cfbp, and XXXX XXXX has admitted their fault and reimbursed me a {$35.00} overdraft, and regarding the amount of {$7100.00} has been posted on my credit card account attached copy of all statements and copies of complaint has filled and response from XXXX XXXX My report includes accounts with a reported name that is different than mine. I dont recognize the accounts in question. The report shows I owed money to the company that I have already repaid. The current status of my account is not correct. The report shows that I am account abused but I have made all of my payments on time copy attached
07/14/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Opening an account
  • Unable to open an account
  • FL
  • 331XX
Web
On XX/XX/XXXX i informed Early Warning Services & XXXX XXXX that i was a victum of fraud they failed to block the information on my consumer report that is holding me back and not letting me move forth with my life. Being a victum of fraud and not getting the resolution in order to protect me the consumer is frustrating. Ive submitted an identity theft report and filed 2 cfpb reports and these companys are still not protecting me as a consumer. On the date of XX/XX/XXXX my XXXX XXXX account was closed due to me being a victum of fraud, XXXX XXXX required me to pay a fee online to get in good standings with them again but I didn't have the knowledge on the action I needed to take in order to get help. Since then, a identity theft report has been filed and also a CFBP report. After my account was closed in XXXX the following years I got a job and was unable to do direct deposit due to being inside of early warnings system, its XXXX and I now applied to get an apartment and was unable to do so because the lack of an bank account and I know by law EARLY WARNINGS SERVICES IS IN VIOLATION OF MY CONSUMER RIGHTS, your services is meant to help consumers but I have not been able to move on with my life due to you guys reporting negative information when I was a victum of fraud. PURSUANT TO 15 USC 1681b STATES THAT THE CONSUMER REPORTING AGENCY DOES NOT HAVE PERMISSABLE PURPOSE TO REPORT THIS INFORMATION BY ME. TO REMEDY THE EFFECTS OF IDENTY THEFT THAT HAPPENED TO ME I DEMAND THAT YOU BLOCK THIS INFORMATION FROM MY FILE, I ALSO DEMAND THAT YOU ASK THE BUSINESS TO PREVENT XXXX XXXX FROM REPORTING THIS INFORMATION BECAUSE I WAS A VICTUM OF IDENTITY THEFT.
04/21/2023 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Other transaction problem
  • MA
  • 02145
Web
I was trying to sell a treadmill I have on XXXX for {$200.00}. The buyer sent me {$200.00} through Zelle pay I had with my XXXX XXXXXXXX account. Zelle held my {$200.00} and would not give it to me until the buyer sent me another {$300.00} through Zelle pay and then I had to send the {$300.00} back to him or they would hold my {$500.00}. So I sent the {$300.00} back to him and now Im down {$500.00}. They still are holding my {$500.00} until I send the buyer {$500.00} because they said I have to open business account and I have to pay {$1000.00} for business fees and they will give me my {$1000.00} back. So I wanted my money back so I sent the buyer {$500.00} and now Im thinking Im going to get my {$1000.00} back and they said no you need to send this agent {$1000.00} at XXXX and we will send you {$2000.00}. I dont have {$1000.00} to send the XXXX account and I lost my last {$1000.00}. The buyer blocked me and did not purchase the treadmill so I lost {$800.00} my rent money. I have no money now. Zelle refuses to give it back to me and they kept emailing me asking me for my bank account numbers the front and back of my debit card and my PIN number. I said no just please give me my {$1000.00} back. They stopped messaging me. I disputed all the transactions with XXXX XXXX and they refuse to give me a refund also to my bank account. They said they have to talk to Zelle first. Zelle is no response and XXXX XXXX said I have to wait XXXX business days for investigation. I have all the emails to prove this. I need my money back. Please I repeatedly told them I dont need a business account I am only selling one thing because Im a XXXX mom and I need cash.
09/12/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NY
  • 10012
Web
Background : On XX/XX/XXXX, inquired about a short term rental in XXXX XXXX from XX/XX/2022 - XX/XX/XXXX XXXX 'realtor ' who called himself, XXXX XXXX, emailed me back immediately with a very detailed overview of the property and the terms ( I can forward you that email if that is helpful! ). He then reached out to me via text message and provided me with information about the apartment and encouraged me to reserve the apartment soon, because it is a popular listing. Once I was ready to reserve the apartment, he sent over an informal " Rental Agreement '' that I signed and sent back to him, and then paid him the deposit over Zelle and XXXX so that I could lock down the rental unit. XXXX told me that I could cancel at any time and get a full refund, so I figured, why not reserve the unit. I ended up needing to cancel the reservation. XXXX confirmed that the payment would come soon, and eventually stopped responding altogether. I called the XXXX XXXX that he was impersonating, and he informed me that there was no unit at that location and that it was a scam. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Breakdown of the deposit : Rent was listed as {$1500.00} per month, but ended up agreeing to {$1500.00}. Total deposit was {$1500.00} ( one month rent ) + {$1000.00} + {$250.00} cleaning fee = {$2700.00} Zelle only lets you transfer a total of {$2500.00} per week, so I paid him in two {$1000.00} installments over Zelle, and {$750.00} over XXXX, to total {$2700.00} deposit. Zelle Payment ( {$2000.00} ) was sent to " XXXX XXXX '' at XXXX XXXX Payment ( {$750.00} ) was sent to XXXX XXXX Contact Info : Email Address : XXXX Cell Phone Number : XXXX ( XXXX ) XXXX
10/13/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • NY
  • 11228
Web
XX/XX/2023, the other party needed to fulfill a transfer of XXXX to me, she tried to transfer a piece through Zelle first, after I confirmed receipt, she transferred XXXX to me, and then on XX/XX/XXXX and XX/XX/XXXX respectively, I was debited XXXX and XXXX, called the bank and learned that someone had reported me as a fraudulent so the money was debited, and without my knowledge, XXXX XXXX XXXX debited money from XXXX XXXX XXXX XXXX debited my account without my knowledge, no security, no notification and no acknowledgement. After a few days I received a notification letter from the bank in the mail, I called the number on it and it said that this is not handled by this department, transferred to another line, then another ... said that the case was closed and closed and it had to go to court, after a few days I called again, transferred to several lines and then I was told to submit evidence to prove that I was a victim, the email was sent and I got a reply XXXX or XXXX days after that, after the After the past week I hadn't heard anything, called XXXX XXXX XXXX again, transferred several lines again, then finally told that I had received the information I had sent, but the case was closed and could not be opened. I have no way to understand why the fraudulent party can get their money back with a single complaint, without submitting any proof, and then close the case without giving me, the XXXX XXXX, a chance to sue, which is unfair, and I'm going to lose this {$1000.00} for nothing, and because of this, Zelle suspects that I violated the ordinance restricting me from using it, and I'm going to sue it for this indiscriminate conclusion!
07/13/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • KY
  • 40223
Web Older American
The scam started on XXXX XX/XX/2022 while attempting to connect my TV to my XXXX XXXX account. A message appeared on my TV that I needed to call a number to confirm my account. ( I do not recall number. ). After answering several question and passed around to various individuals, all representing themselves as XXXX Staff - resulting in me, apparently authorizing a transfer from my bank account to a Zelle account ( I DO have a name and Zelle payment ID number ) the total of {$990.00}. Upon realizing what I had done my wife contacted our bank, filed a claim and issued a case number. We also closed our checking account and took all the necessary steps to switch all out all our monthly automatic fund transfers. The bank representative was very considerate and helpful. The transfer was put on hold - but ultimately the dispute was cancelled and the money transferred on XXXX XX/XX/2022. I realize the stupidity of my actions in approving the transfer, but this transfer was approved on false pretense and lie. What I dont understand is why this activity can not be shutdown, we know the account that the money was sent. If appears thousands, maybe millions, of claims of this same kind of fraud exists using Zelle. If Zelle didnt scheme this system to facilitate this type of theft, the system certainly is making it immensely easy for these scammers by evidence of thousands, maybe millions of these fraudulent transfers, and Zelle appears to be doing nothing. Somebody ought to be able to curtail this activity and someone should be prosecuted. Maybe the IRS should be investigating these transfers to see if any taxes could be collected from these scammers
07/31/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • GA
  • 30291
Web Servicemember
I posted an item for sale through XXXX XXXX for {$500.00}. I soon received a direct message from XXXX XXXX ( email XXXX Registered as XXXX through ZelleXXXX ) ( User name XXXX XXXX ) asking if the item was still available. I responded yes. She then proceeded to ask if I had Zelle in which I responded yes. We then began to have the exchange via XXXX XXXX ( I have entire screenshot of messages ). I received an email from XXXX XXXX ZelleXXXX '' speaking about a business account and that I needed to send the overpayment of {$200.00} in order for the initial payment of {$750.00} to be released because I did not have a business account ( I have those emails as well ). In which I did. I then received an email asking for another {$500.00} to be sent to release the hold. XXXX then asked that I send the payment of {$300.00} to XXXX XXXX via Zelle using the email ( XXXX ) in which I only sent {$300.00} because Zelle stated that I had reached my limit for sending money. I was then advised by XXXX to send the remaining {$200.00} to XXXX ( XXXX ) via XXXX in which I did. The funds in the amount of {$1200.00} were never released to my XXXX account. XXXX then requested that I send an additional {$500.00} via XXXX XXXX in which I refused. I also requested a refund via XXXX for the {$200.00} to be refunded via XXXX and no response. I requested the funds be returned from XXXX XXXX XXXX ) and XXXX XXXX in which they have failed to do so.. I was also approached by XXXX in XXXX XXXX ( XXXX User XXXX ) with a similar request... I have screenshots of all interactions with both XXXX XXXX and XXXX .... I have complete emails and screenshots available as well.
05/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • XXXXX
Web
On XX/XX/XXXX I entered into a settlement agreement with XXXX XXXX XXXX regarding Account # XXXX for a balance they claimed I owed them. This settlement agreement resolved all claims against me and any claims I had against XXXX XXXX XXXXXXXX. On XX/XX/XXXX XXXX XXXX XXXXXXXX submitted information to Early Warning and XXXX XXXX claiming that my account was closed due to Checking Account Fraud. They also reported that the account as of XX/XX/XXXX was unpaid. On XX/XX/XXXX, I attempted to open XXXX checking accounts - XXXX XXXX, and XXXX Bank and was denied a checking account based on the information reported by XXXX XXXX XXXXXXXX to Early Warning and XXXX XXXX. XXXX XXXX XXXXXXXX is no longer acting in good faith or under the terms and conditions of the Settlement Agreement we finalized on XX/XX/XXXX. XXXX XXXX XXXXXXXX 's errors has caused me adverse actions ; I was denied XXXX checking account opportunities and the opportunity to establish a new relationship with another financial institution. XXXX XXXX XXXXXXXX 's actions also caused me extreme public humiliation and embarrassment as I was turned down by these banks and had to suffer during and after conversation. XXXX XXXX XXXXXXXX never provided me the opportunity to engage their claims that my account was considered checking account fraud. I never committed checking account fraud. I used the account for personal purchases. Finally, I believe XXXX XXXX XXXX 's actions toward me are malicious, deliberate, and well defined against XXXX American consumers who seek to pursue justice in a court of law and their actions violates my rights under the Fair Credit Reporting Act
04/11/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • GA
  • 30038
Web
EARLY WARNING DISPUTE Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, Georgia XXXX D.O.B : SSN : Driver Lic XXXX Consumer ID : XXXX 1. Disagree with reporting of XXXX XXXX ( Ref # XXXX ) principal loss amount of {$1000.00} the funds were held for verification for a fixed period of time by the bank until collected from deposits. The original amount of principal loss is incorrect and I am requesting removal of this account until validation is met under the federal guidelines and forwarded to me by way of statutory mail, please send detail documents of stated amount 2. Disagree with reporting of XXXX XXXX ( Ref # XXXX ) principal loss amount of {$360.00}. This account was closed by myself consumer because of funds delayed for extreme periods of time. No balance was owed for this account. Bank charges are said to be closing charges. Please have bank provide closing charges disclosures that read {$360.00} is required to close an account. Please remove this account until I receive debt validation by way of statutory mail and allow 30 days to dispute. Please send detail document of stated amount 3. Disagree with the reporting of XXXX XXXX XXXX XXXX ( XXXX ). I have reached out to XXXX XXXX XXXX XXXX several times and no one has been able to provide validation of the debt amount ( {$3300.00} ). I have reached out to XXXX XXXX XXXX attorney at law 3rd party to Delta XXXX XXXX XXXX and requested debt validation for the amount of {$3300.00} and received a certified letter stating I owe this amount with no proof attached or documents to support amount. Please remove this reporting until all statues has been validated under the FCRA mandates.
11/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33470
Web
You continue to ask me for information regarding this account when the law states that EarlyWarning must share documentation with me verifying the reporting of this account. Anyone or any company could put anything they desire on my consumer reports. Without proper verification, I can be responsible. According to Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). You must provide me ANY original documentation ( a consumer contract with my signature on it ) as required. You have violated this law. ( {$1000.00} fine ) According to the FCRA Section 611 ( a ) ( 7 ), Furthermore you have failed to provide the method of verification as required. Your company has violated this law. ( {$1000.00} fine ). Since you have not properly and lawfully verified this account. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.
11/07/2022 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 91401
Web Older American
Overview : On the morning of XX/XX/XXXX, during a routine glance at my XXXX XXXX XXXX app on my phone, I discovered to my amazement, that XXXX XXXX dollars ( {$3000.00} ) had been transferred from my saving account to some unknown individual via Zelle. I have never used Zelle services, and my bank records reflect that. It is clear that fraudulent activity was recorded on my saving account. I called the bank that morning, and I also sent an email to the bank using the suspicious activity link on the bank web page. I was expecting some acknowledgment from the bank of my report, follow-up notification, and status resolution, but none was coming. Over the next XXXX days, I made over XXXX hours of phone calls to XXXX XXXX XXXX, including in-person appointments with the local bank branch. Unfortunately, as of now, I have no case number, no claim report verification, and communication on the facts with the bank. I have been with the XXXX XXXX XXXX for 47 years, and they thank me for it every time they answer the phone. All my conversations with the bank associates ended with me waiting for hours for the so-called claim department listing to music and waiting for the next available representative. Finally, during my appointment at the bank, the bank associate agreed to call the claim department on her phone using her direct line. After an hour of listening to the same musical monolog, I left the office. Examining my account activities also reveals XXXX different attempts to add a transfer recipient to my account, XXXX before the successful XXXX and XXXX after. Bank Information XXXX account XXXX routing XXXX XXXX XXXX XXXX )
09/03/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 33328
Web
I was told not to do anything but I took the proactive approach and filed a claim with the FTC and attorney general. I also planned on filing a report with the attorney general and XXXX for XXXX XXXX/zelle but was waiting to receive a call or email back. After calling today, I saw that there are notes on file but nothing explaining what actually happened. If you go back and listen to the recording you will be able to see that I was essentially strong-armed my a very XXXX man in a bad neighborhood with XXXX XXXX who begged to use my cell phone for a call. I was hesitant but due to the fact I was with my wife and in a bad neighborhood, I complied with his request. He was then able to send {$1700.00} through zelle in my XXXX XXXX app before getting my phone back.I was able call in and report it while the transaction was still pending and provide the phone number it was being sent to but they were unable to stop it from happening. I will come into my closest branch as soon as its open but wanted to provide a copy of the first fraud claim to help re open the casa or expedite the process. Once I speak with someone I will then take the necessary steps through the attorney general, XXXX. I would like to submit an authorized pushed payment fraud as listen in your XXXX and will commit any time and resources I have to get this taken care of.Please submit a SUBJECT ACTION REQUEST to dig deeper into the issue to get my money back for my bills and make sure this does not happen to someone else in a poor financial situation. In the mean time I will also reach out to Financial Ombudsman Service. To see if they can add additional assistance
03/24/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • PA
  • 19134
Web Servicemember
A bank account was opened in my name without my knowledge. This bank was XXXX XXXX. I assumed their initial notification of a new account with them was a scam or some sort of advertising. Soon after XXXX XXXX notified me of an account under my name with a negative balance of {$1800.00}. I filed a police report that day ( XXXX XX/XX/2023 ) and it has since been referred to a detective unit. The statement shows this was done using Zelle. I do indeed have a Zelle account but with XXXX XXXX and it has seen very little use. I contacted Zelle and XXXX XXXX. XXXX XXXX XXXX fraud department informed me it was likely that my social security number was used to open an account. Zelle would not divulge any details to me. They informed me I had to contact XXXX Bank, even after I informed them I have never set up an account with XXXX Bank. The account was created by someone else. This is currently able to threaten my security clearance process as it proceeds for a new federal position leaving me without employment, or /and it could keep me from procuring housing in the future as the account in question has been referred to XXXX XXXX XXXX XX/XX/2023. After this Zelle incident occurred I was informed by the XXXX XXXX XXXX XXXX department to place an alert on my credit report which I did. I received notification shortly after that a XXXX report was pulled for a XXXX or XXXX affiliate account application ( XXXX XX/XX/2023 ). I was able to quickly call and stop this. I then froze all three credit reports. It occurs to me that Zelle in some way had an information breach I was not notified of, leaving me with no ability to defend myself.
01/11/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CT
  • 069XX
Web
I received a XXXX payment request for {$540.00} for XXXX on XX/XX/2023 This was a fraudulent request I logged into XXXX and saw the request There was a note on XXXX that said that if I didn't make the transaction, I should report it to the Fraud investigation team at XXXX I called this number thinking it was the XXXX XXXX investigation team they answered the call saying " XXXX XXXX XXXX ... '' they asked me to download the XXXX app to my phone so that they could see my activity, for the purpose of protecting me from future fraud they proceeded to ask me to log into XXXX, XXXX, XXXX, and zelle. ultimately they asked me to add the recipent " XXXX XXXX '' to zelle and XXXX for the purpose of verification and also to cover all of the bases for protection I did what they asked and then they asked me to type in XXXX on zelle and send I ended up being scammed into sending " XXXX XXXX '' {$1000.00} I realized I had been scammed and hung up and called XXXX XXXX XXXX immediately to stop the payment which was still pending. They said there was nothing they could do except file a fraud claim, which I did. They then told me to call Zelle. I called Zelle and they said the only thing they can do is to alert the recipient 's bank of the scam. I'd like to file a complaints against both XXXX and Zelle for not working with me to refund the money that I was scammed out of, especially because I called immediately while the payment was still pending and they didnt act quickly. scammers make millions off of the third party payers like zelle and XXXX because they offer no protection to clients. They have an obligation to protect clients
03/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • LA
  • 70117
Web
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$96.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$16000.00} XX/XX/XXXX
08/24/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • WI
  • 53217
Web Older American
XX/XX/22 Posted a listing for my chaise sofa on XXXX for {$1500.00} Within 2 minutes I had 3 responses. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX. I said I required cash only. Two asked if I could do Zelle or XXXX. XXXX did not respond again. I said I would prefer not to but I would. I was on with a woman XXXX XXXX XXXX for approximately 3 hours. I believe it was a scam and I sent {$300.00} to Zelle which I have no way of recouping. I was told to reimburse XXXX using XXXX which would not go through. She then gave me XXXX to use and it went through. XXXX paid the {$300.00} and along with the {$1500.00}. Zelle wanted me to send another {$500.00} for a Certificate. I would have to go to a store to purchase a XXXX XXXX. Different email addresses and names were used within XXXX. Messenger chat went until about XXXX or XXXX. XX/XX/22 XXXX started in again early in the morning. I told her I had to go to work and would get back later in the afternoon. She started again at XXXX I called my bank and they said to call the police which I did call and an officer came to my residence at approximately XXXX XXXX There is nothing I can do and really nothing they can do, bank, police or official Zelle. I have blocked XXXX on XXXX as well as the other woman, XXXX XXXX XXXX. And reported them as scammers. Especially after seeing posts on their pages in, I believe, what was XXXX. XX/XX/22 Filed a complaint with Zelle. Filed a scam with XXXX. Filed a complaint with Consumer Protection Agency Wisconsin ( XXXX ). Other email used from XXXX was : XXXX with the XXXX XXXX. and XXXX XXXX XXXX logo was displayed in the email.
04/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30127
Web
The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. XXXX XXXX Acct XXXX. : XXXX Date XXXX Below are the following US Code violations these entities have committed. 16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show Early Warning Services, XXXX, and XXXX are all in direct violation. As Ive yet to be contacted via phone by any of these entities regarding the deletions or blocks that they detail in their previous responses. These blocks Early Warning Services places on my report immediately get removed with NO details of the investigation, regardless of all information I supply them with that, quite literally, details all aspects of my identity theft.
06/28/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • AZ
  • 85388
Web
On Thursday XX/XX/XXXX I was scam by a tutor. How I met this person was through XXXX. He claims to be a tutor and offer up services including help with essays, assignment, tests etc. I contact these individual by the name XXXX. I contact about needing help to pass a test. He first charged me XXXX, but I later told him no and I give him XXXX. I trust him because He even post me his testimony and reviews he got for working with other students. After I pay He did assistance me on the but didnt follow up truthfully of the agreement. on the day of the test there was issue and I couldnt take the time in that hour. I contact him about this issue and that I need to reschedule my exam and he told me that it will be a XXXX reschedule fee to give him. I did a I scheduled that test for a different time that say. Still it was given me issues and I had to canceled the test again.The programmer was having issue with me taking the test online and wanted me to take it at a test center. I contact him about refund my money and he said no. The services were no refundable and that I was scared. Its funny to me that he said this because previous he told me that he will return me if I didnt get a A or B. The money that I transfer was through Zelle with XXXX. I contact XXXX to see if they can reversed the transaction and they said no because they have no recovery rights to do so. I contact Zelle and they said that there nothing that they could do even though I file a dispute to XXXX about the transaction and XXXX telling me the Zelle decline my dispute. I want my money back. I was scared heavily and Zelle isnt doing nothing about it.
07/24/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NY
  • 12590
Web
On XX/XX/XXXX I was in correspondence with a gentleman from XXXX to purchase a pomsky puppy from him for the price of {$810.00} all seemed promising he informed me to transfer the money through Zelle I signed up for a zelle account and was only able to send {$500.00} so he and I agreed I'd send that and when he shipped the puppy I would send him the remaining {$310.00}. I was guaranteed that the money was 100 % refundable and was no risk if I changed my mind. After hours of waiting for him to send the agreement paperwork I got suspicious and questioned him he told me to relax and he would email me the agreement which he did at this point I was uncomfortable and realizing I had made a very poor decision. I contacted my bank to cancel the transaction and was informed that I couldn't cancel the transaction but would have to file a merchandise dispute. I than reached out to the gentleman once more in hopes that he would refund me the money and to no surprise I got no response from him so on XX/XX/XXXX I was back in contact with my bank and ultimately filed the dispute to which I was denied because I sent the money through zelle which doesn't offer any protection to the sender for fraud. I contacted zelle after speaking with the bank and was told the same thing. They would do nothing I asked what they planned to do with the gentleman who stole my money and was informed that they would close down his zelle account but that was all they would do in this case. After this I XXXX the phone number of the gentleman with the puppy and there are 1000s of complaints about this animal scam and nothing has been done to stop this.
11/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • CA
  • 95112
Web Servicemember
On XX/XX/2020, I applied for XXXX XXXX XXXX XXXX and was accepted. Two weeks later, however, I was restricted access due to a credit issue with XXXX XXXX XXXX. I spoke and tried to fix the issue with XXXX XXXX XXXX, and even made sure my closed accounts were paid, but they failed to change the status. Instead, they left the status to " account fraud '', as it's automatic in the system that they automatically close an account if there is suspected identity theft. I had not been with XXXX XXXX XXXX for quite some time already ; more than two years already, and I still have this marking. Numerous times I have tried to speak with Early Warning Services to fix this issue. I even went back to XXXX XXXX XXXX, but they told me to dispute with Early Warning Services. The response I kept getting from Early Warning Services was that they found the information to be accurate, which was not the case. -- There was no identity theft and this is forcing XXXX XXXX XXXX XXXX to deny me access. I would like to escalate this further, and kept getting delayed because of XXXX XXXX and my XXXX XXXX XXXX to help keep myself and family financially prosperous in COVID-19. Consumer ID : XXXX Contribution Ref # : XXXX Principal Loss : Fee Reversal : Combined Loss & Fee Reversal : Paid/UnPaid/Settled : Unpaid Contribution Reason : Checking Account Fraud Contributor : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Account Type : Primary signer Attached is my security appeal for the restriction hold fo my XXXX XXXX account number XXXX XXXX Other parties involved -- - Early Warning Services , LLC ; XXXX XXXX XXXX XXXX
09/12/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • CA
  • 945XX
Web
I would like to dispute XXXX and have the incident removed from my record. The transaction was authorized and done legit. The transaction in question was credit card related. I applied for a XXXX XXXX XXXX XXXX XXXX. Upon receiving my card I was given an offer to transfer any balances to my new account via balance transfer check. I took the check to my local XXXX XXXX on XXXX/XXXX/15 and asked how to proceed. The teller told me to deposit the check to my XXXX Checking account # XXXX and from their I can pay off anything via ACH electronically. The teller attempted to deposit the check to my checking account but before she could proceed her system indicated that she need to call the credit department and get authorization for the check. The teller successfully received approval and authorization to proceed in which she deposit said funds into my account ending XXXX. On XXXX/XXXX/15, I received notice that once the back office reviewed the transaction they decided to un approve it after originally approving the initial transaction and removed said funds from my account. Nothing was done wrong or invalid on my part. The transaction in question is fully documented and compass has the prove via authorization number in their system that this in deed was n't fraud and that the transaction was legit and handled in a XXXX XXXX. I respect XXXX decision to not approve the balance transfer after the fact but to accuse someone of fraud or misuse of the account when the transaction in question was legit is " Defamation of my Character ''. I ask that this matter is resolved immediately and removed from my record.
06/10/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • DC
  • 20019
Web
I was sent two fraudulent checks on XX/XX/XXXX and XX/XX/XXXX. I was informed that the checks were issued by a superior. The deposits were not flagged by XXXX XXXX XXXX immediately, that occurred several days later, which led me to believe the funds were available. The sender then requested money be sent via Zelle on XX/XX/XXXX and XX/XX/XXXX. In the process, and as previously stated, these fraudulent checks were not flagged, which resulted in the loss of XXXX ( XXXX XXXX XXXX XXXX XXXX. The sender has not responded to any communication.I have reached out to the sender via text and by phone, to no avail. I contacted XXXX XXXX XXXX, and was told to contact Zelle directly. Ideally, I am asking that my money is refunded, one in part with the delayed identification of fraudulent checks by XXXX XXXX XXXX and two, with the lack of protection or additional authentication from Zelle. I did not receive communication from XXXX XXXX XXXX until, XX/XX/XXXX and XX/XX/XXXX. I am currently at a loss of XXXX, due to this scam, with no protection offered from Zelle or XXXX XXXX XXXX. I would think my bank or Zelle would take this into consideration and provide an appropriate response during a time where someone took advantage of me. I would like to get this case resolved, even more so as we are in a pandemic. COVID-19 has had a severe impact on my finances and I have done my best to save for any unexpected or unprecedented expenses. Due to the nature of this, and severity of the situation, of which I am sure I am not the first victim, I am asking that a resolution is offered and there is a Zelle Chargeback Claim filed.
09/20/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 93035
Web
On XXXX I sold a washer and dryer through XXXX on XXXX. The buyer transferred {$1300.00} to me through Zelle. Zelle emailed me saying the transfer was too much since I was not a business and to refund the buyer {$500.00}, and they would then in turn send me {$1800.00}. I did that and received another email to send {$700.00} and they would then in turn send me {$2500.00}. My bank would only allow {$200.00} for a max additional transfer on the same day. So I sent that. The buyer had asked for the additional {$500.00} the next day because his account was already deducted {$2500.00} I was already suspicious but since the emails came from Zelle I believed they were legitimate, and this was the first time I had used Zelle. When I contacted Zelle about this the first time, their automated system said I needed to speak to my financial institution. And it was impossible to get a live person on the phone. I called XXXX XXXX XXXX XXXX ( my bank ) and they instructed me to contact Zelle. On XXXX I spoke to my CU a 2nd time and was told this sounded like fraud and to reach out again to Zelle. I called Zelle and was finally able to get someone on the phone who did in fact confirm the emails were not from them and it was all a scam. XXXX XXXX XXXX union could not reverse the withdrawals, and Zelle told me they could not do anything about this as well. When I informed the buyer of this, he disappeared from XXXX. I am attaching the emails from Zelle, the conversation between myself and the buyer, and my account transactions from XXXX showing the funds being withdrawn. Is there anyway to recover these?
07/18/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • CO
  • 80104
Web
XXXX XX/XX/2022 my Zelle profile was inexplicably locked. Both my phone number and my email address were flagged as ineligible for use with Zelle. I contacted my bank ( XXXX ) in an attempt to resolve the issue through them. XXXX told me they would work to resolve the issue with Zelle and everything would be fixed within a couple of business days, I waited two weeks with no resolution. I filed a support ticket with Zelle directly about this on XX/XX/XXXX, however despite the assurance on Zelle 's website that someone would contact me within two business days I never received any response. After calling my bank nearly a dozen times they were finally able to inform me that a person I had never met claimed I was guilty of {$250.00} of fraud, the claim was filed through a bank I had never done any business with ( XXXX XXXX ). XXXX told me there was nothing more I could do and that I needed to call Zelle directly. I called Zelle, their customer service representative told me I should just file a support ticket through their website. When I told him that I had already done so over a month ago he told me that meant I should just figure out a different way to send money. My family and myself previously relied on Zelle to pool money into one bank account in order to pay rent. Zelle 's sudden locking of my account without warning caused some funds to be held 'in limbo ' for a few days, causing enormous financial hardship on all of us. Zelle promises to be a " Fast, safe, and easy way to send money '', however they have instead been a slow, insecure, and fraud-ridden way to make money disappear.
11/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 93727
Web Servicemember
This account is In result to XXXX XXXX 1022.142 Prohibition on inclusion of adverse information in consumer reporting in cases of XXXX XXXX. ( a ) Scope. This section applies to any consumer reporting agency as defined in section 603 ( f ) of the FCRA, 15 U.S.C. 1681a ( f ). Prohibition on inclusion of adverse information of XXXX XXXX. A consumer reporting agency may not furnish a consumer report containing any adverse item of information about a consumer that resulted from a severe form of XXXX in persons or XXXX XXXX if the consumer has provided XXXX documentation as defined under paragraph ( b ) ( 6 ) of this section to the consumer reporting agency. ( d ) Method of submission to consumer reporting agencies ( 1 ) Mailing and website address. A consumer reporting agency must provide two mailing addresses for a consumer or consumer representative, as described in paragraph ( b ) ( 6 ) ( ii ) of this section, to send a submission consisting of an appropriate proof of identification under paragraph ( b ) ( 1 ) of this section and XXXX documentation under paragraph ( b ) ( 6 ) of this section. A consumer reporting agency may also establish a secure online website portal for a consumer to upload a submission. A consumer reporting agency must accept a submission sent to the mailing and, if applicable, website address used for disputes under section 611 of the FCRA, and must accept a submission sent to a mailing and, if applicable, website address dedicated to blocking adverse items of information resulting from a severe form of XXXX in persons or XXXX XXXX under this section.
03/12/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • WA
  • 99362
Web
On XX/XX/21, I received a phone call that spoofing the phone number of the US Immigration and Customs Enforcement ( ICE ), they blamed me that I haven't updated my alien registration number and accused me of trying to hide my identity. They forced me to choose between being arrested for a few days for paying them a deposit called " Immigration Bond ''. They also spoofed the phone number of the XXXX XXXX Police Department to make me believe that I'm under the investigation of the FBI. Then, as a result, I have to choose to pay them the deposit, they said I have 30 minutes and have to do what they said otherwise I'll be against the law. They monitored my phone to force me to transfer an amount of {$1600.00} to them, the recipient is XXXX XXXX, and his email is XXXX. The account is verified by Zelle, therefore, I want to report Zelle in verifying scammers ' accounts. Zelle is backed up by many banks, so each of their customers should be legally authorized to have a bank account. However, Zelle shows no responsibility for aiding and abetting frauds and scams. By claiming no responsibility and offering zero assistance, Zelle and the banks using it are facilitating wire fraud and money laundering. Zelle accounts are all linked to US Bank Accounts, which means that Zelle knows the recipient 's real name and social security, and they can easily freeze or reverse the transaction, or even tell the sender who the money was sent to so they can file a small claims case. Instead, Zelle let XXXX XXXX, the owner of the above Zelle account must have used the same account to scam multiple people.
08/16/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 781XX
Web Servicemember
I received a fraudulent email from " Zelle '' on XXXX XXXX, XXXX during what I believed to be a secure business transaction via XXXX XXXX. ( sale of furniture ) Th email indicated that I had been transferred the requested amount of {$1000.00} and that in order to receive the payment from the business account ( payee ) I would need to submit {$400.00} to the Zelle agent account, then would have a credited balance of {$1400.00}. Email indicated my account was not ready for deposits and needed to be expanded to receive funds from " business accounts. '' The ( my ) deposit would start the process of insuring my account/certificate form. After following the instructions from the " Zelle '' email, I received a 2nd email instructing me to deposit an add'l {$600.00} so my avail balance would then be {$2000.00}. All money to be made avail immediately. I contacted my XXXX immediately - XXXX XXXX XXXX XXXX and asked them to stop processing the {$400.00}. They opened a fraud claim with Zelle and let me know yesterday ( XXXX XX/XX/XXXX ) that Zelle will not be refunding me. I contacted Zelle, and they stated it was a XXXX issue, and referred me back to XXXX. Emails received have " Zelle '' logo/trademark and comes from " Zelle '' when clicking on " Zelle '' anywhere within the email- it takes you toa Zelle website XXXX I reported the user to XXXX as Scam/Fraudulent, however, they claim her account is valid. XXXX User name : XXXX XXXX ZELLE XXXX name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Enrolled as XXXX Email : XXXX fake ZELLE email generated from : XXXX ( this was masked )
03/11/2021 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • MA
  • 023XX
Web
I have a dresser and dinner table on sale at XXXX messenger, XXXX and XXXX. I got a text from XXXX. This person wanted to pay with a cashiers check instead for the items as well as to pay for the delivery through this cashiers check. I was mailed the check and deposited it on XX/XX/2021. The funds from the check were available on Saturday. The person who sent me the check text me asking to confirm if the check had deposited so I confirmed. This person ask me to pay the movers to pick up this furniture via the Zelle application. I have never used this before but saw it was available in my banking application ( XXXX ) so figured it would be safe. I sent over {$750.00} to Zelle account email the scammer gave me, XXXX ( XXXX a is the name the scammer gave me for the email address of the Zelle account ) on XX/XX/2021. This scammer told me the total moving fee was {$1100.00} and since the max limit sent via Zelle is {$750.00}, he asked me to use XXXX XXXX and send {$430.00} to XXXX XXXX username, # XXXX ( XXXX XXXX is the name that comes up after searching that username ). The transfer would not go through as it was refunded for my protection. I thought this may because I had already sent {$750.00} and my bank was being protective. The scammer then suggested to send the remaining {$430.00} through Zelle on Monday, XX/XX/2021. I sent the money to the same Zelle account, XXXX, on XX/XX/2021. Then on XX/XX/2021 the cashiers check of {$1700.00}, the scammer sent me got sent back to my account as Return deposited item altered/fictitious item and left me $ XXXX in my bank account.
04/03/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 925XX
Web
XXXX XXXX / Zelle Transfer of {$1500.00} was sent to the wrong phone number for rent payment. ZELE CASE NUMBER : Zelle Case : XXXX WRONG # : XXXX ) XXXX CORRECT # : XXXX ) XXXX We contacted XXXX bank the same day when error was realized. They open a " attempt to recover '' claim due to customer error. We also contracted ; XXXX XXXX at phone number : XXXX ) XXXX He informed us that he contacted his bank ( XXXX XXXX ) and informed them of the error and requested they send the money back to me. I have been in contract with the branch manager at XXXX XXXX at the below address. This is the location the receiver of our funds also went in regarding the issue. XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX withdrawn the funds from the receivers account and has refused to give me any updates to date XXXX XXXX informed me that XXXX XXXX closed their attempt to recover because XXXX XXXX declined their attempt. They will no open another attempt to recover claim. XXXX XXXX provided me with a case number : CASE NUMBER : XXXX and their Faud Departments phone # : XXXX ) XXXX As of today XXXX XXXX XXXX will not provide me with any information. They have declined providing me with proof of my funds being sent back to us and will not provide us with any resolution. We are currently facing an eviction due to us not having those funds to pay our rent in over 30 days. My boyfriend is out of work due to the COVID-19 pandemic. and we are struggling to survive due to this issue. We beg someone help us. XXXX XXXX will not provide us with our money back even when they took it from the receiver.
09/01/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 33626
Web Servicemember
On XX/XX/2022 I spoke with a verified vendor on XXXX regarding purchasing a golf cart. I received the attached invoice for {$1500.00} for the golfcart and {$500.00} additional for the door to door shipping. At the seller 's request I made a payment for {$1000.00} via credit card and another {$1000.00} via zelle. I received what I thought was tracing information from a website that appeared to work. 4 days later the item supposedly reached customs in the USA and I was told the shipper needed an additional {$2900.00} for an insurance fee that was refundable. I paid another {$2900.00} via zelle. The following day I was told it would be another {$4000.00} for a HMF fee ( also fully refundable ). I told the seller that wasn't possible, and they offered to split it with me at {$2000.00}. I then sent a XXXX for {$2000.00}. The following day I am told it will be {$1500.00} for the shipping, however the " tracking website '' now shows released and out for delivery. I told the seller I felt this was a scam and asked for photos of the golf cart as well as the port it was located in and stated I'd go pick up myself. The seller said photos and pick up were not possible and I'd now be charged storage fees. This is all documented on XXXX, however they are not assisting in getting my zelle funds back from their " verified seller ''. All items are documented attached. I filed a dispute with my banks regarding the zelle payments and they have said they also can't assist. The shipping company doesn't appear to exist, they have no phone number and the email address doesn't receive a reply.
01/12/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • FL
  • 32256
Web
I have tried several attempts to get the XXXX XXXX XXXX to allow me my right by law to opt out and they have denied me several times. My first attempt took place on XX/XX/2022. Since then I have made XXXX additional attempts in writing and by phone. They have also denied me my right by law to know and understand how their unfair practices affect my daily life. Many companies use unfair and illegal tactics to deny you your rights by law to obtain bank accounts and credit. I have not been able to obtain credit for anything, not even secured due to their unlawful and discriminatory practices. 15USC8802 states that it is illegal for the credit bureaus to not allow me to opt out of any information reporting to my credit report. They keep denying me that right. Debts and charge offs are certificates of indebtness by law and are forms of income. XXXX is not supposed to be reported on credit reports. It is unlawful to report transaction history. XXXX XXXX XXXX I have become homeless and not able to obtain a new home for me and my children as a result of consumer information bureaus breaking laws and being unethical. I also had lots of trouble obtaining basic transportation for me and my children due to the consumer information bureaus misrepresenting me on countless occasions to the banks, real estate companies, home financing, vehicle financing, business credit PG, and more. I have been humiliated, depressed, and no place to turn to. This misreporting has ruined my life. I made attempts to fix it in the past as well, but I am only reporting my most recent attempts.
01/05/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 331XX
Web
I am requesting a refund for a fraudulent transaction to the person who collected my money on behalf of his company to perform marketing services and failed to deliver, disappearing with my money. I am trying to refund money for a while and have no luck with the bank where I sent my money from. XXXX XXXX referred me to Zelle, saying that it was done through them and since transaction was authorized, they cant do refund. The problem is that the transaction was authorized to a scamming company and person knew that zelle payment wouldnt be able to reverse. So I am reporting this scam and asking for assistance from my financial institution and bureau to recover my lost funds. Details of transaction : Zelle payment made to XXXX XXXX on XX/XX/XXXX for {$4500.00} Zelle payment made to XXXX XXXX on XX/XX/XXXX. Service that is supposed to be delivered- management of marketplace and marketing it under my personal account. Company collected money, failed to perform promised services and disappeared without answering calls and emails. I have sent few disputes through my XXXX XXXX and was denied since transaction was done through zelle. Zelle told me to contact my bank since transaction happened through online banking. It is a tricky situation where nobody wants to help or take any responsibility for scam transactions leaving me alone against this situation and letting these transactions happen to other innocent people. Something has to be done to protect consumers when banks cant solve such issues. Please help me to find justice and refund my money from zelle transaction.
07/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 20774
Web
I received a copy of my consumer report and found the following item ( s ) to be in error : I have never even owned a XXXX XXXX XXXX account '' and I currently am a member of XXXX XXXX not sure why this is showing negatively on here Contributor : XXXX XXXX Contribution Ref # : XXXX Account # : XXXX Bank Routing # : XXXX Incident Date : XX/XX/XXXX Principal Loss : {$100.00} Paid/UnPaid/Settled : Paid Contribution Reason : Account Abuse Bank Routing # : XXXX Account # : XXXX Return Transactions Bank Name : XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXXXXXX XXXX Bank Routing XXXX XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Savings Closed For Cause Bank Name : XXXX XXXXXXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Savings Closed-Purged Previous Account Status : Savings Closed Date of Last Status Change : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account XXXX XXXX XXXX Open Date : XX/XX/XXXX Current Account Status : Savings Post No Debits Bank Name : XXXXXXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Date of Last Status Change : XX/XX/XXXX
06/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 480XX
Web
I have contacted both XXXX XXXX XXXX and Early Warnings and the companies have not responded. This email is to dispute and request that the fraud included on my Early Warnings report related to XXXX XXXX XXXXXXXX on XX/XX/XXXX be removed. On XX/XX/XXXX, a fraudulent check was deposited into my account electronically. I did not deposit the check ; my account was somehow compromised. XXXX XXXX XXXX noted the check was fraudulent and returned the check. XXXX XXXX XXXXXXXX also provided me with notice that it would hold the funds in my account and determine whether the account was to be closed. On XX/XX/XXXX, I received notice that the account would be closed and would be reported to Early Warnings, I have attached a recent report that indicates I conducted fraud on her account. I did not commit fraud on my account, and I am not clear why Early Warnings is reporting all this activity on the Early Warnings report. When I learned the account was being reported to the Early Warnings, I opened an investigation with risk management in XXXX of XXXX regarding the account with XXXX XXXX XXXX. The claims record # XXXX. Following the investigation, we received notice the bank account that was previously closed on XX/XX/XXXX was reopened. I assumed the information reported to Early Warnings had been corrected, when I tried to open an account with a financial institution, I learned that a fraud alert was listed. In addition to details regarding my account and the fraudulent activity I am attaching the police report I filed regarding the fraud that occurred on my account.
02/28/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 92618
Web
This complaint is directly related to a previous CFPB submission " complaint ID XXXX '' On XX/XX/2023 at XXXX, I received a text alert regarding an unauthorized Chase Zelle transaction , to which I responded that I did not authorize the transaction. I then received a call at XXXX from what I recognized as the XXXX Bank customer service support line at XXXX XXXX XXXX. The caller indicated my Zelle account linked to my XXXX account had been compromised. They instructed that in order to intercept the {$1900.00} payment, I needed to authorize a Zelle " halt payment '' to XXXX. I followed the caller 's instructions with the intention of protecting the indicated amount ( {$1900.00} ). My call was transferred to the number XXXX listed as XXXX XXXX who completed the Zelle halt payment transaction. The connection for that call was lost at XXXX but the steps I'd taken evidently led to the Zelle payment of unknown individuals for an account whom I do not, nor does XXXX Bank have any connection to. At XXXX XXXX I called the number back which was the XXXX Customer Service line and immediately filed a claim to dispute the transaction. There was a claim submitted at that time indicating the fraudulent nature of the call however they did not initially report the recipient 's information. The recipient account has since closed it's Zelle account. I was informed that the claim was denied on XX/XX/XXXX. No further steps were suggested other than to report through the Zelle app. The Report Zelle Scam form online explicitly refuses to compensate victims of this type of crime.
04/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28079
Web
I am including early warnings own letter to prove my point that they break the law 605B of the fair credit reporting act subsection C. Their claim in their own letter is XXXX says that their records are correct. The police proved XXXX is wrong. Police rulings are the end all rulings. No more is done on that particular issue when they close a case. Early warning says that they blocked that information over a 1/2 a dozen times. Here is where they break the law. Subsection C of the FCRA 605B, it clearly States there's only 3 reasons they can reinsert or decline the block of that information that they have already blocked. 1 is error. 2 is materially false information. XXXX is they can prove that I got goods or services or money from the blocked transaction. There are none of those 3 in existence because it's simply against a police ruling to say that there was. I want early warning to address this issue based on their own letter in response to my previous complaint. They will never deal with this issue because they are lying and they are breaking the law in cahoots with XXXX. XXXX a has refused to talk to me even after 5 more attempts since the previous complaint where I left messages for the people that were supposed to get back to me in XXXX of 2021. That bank won't deal with the facts from the police either. But this is about early warning they lie to you they say that my complaints are frivolous but how can a complaint that is 100 % correct be frivolous when they are the ones breaking the law and keeping fraudulent information on my file against the law.
06/22/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • RI
  • 02852
Web Older American
I was sent a text saying that a purchase was being made on my account. If I did not authorize the purchase I should tap on the text. A women came on the phone and told me that my account may have been hacked and we needed to see if there were any other purchases attempted. She had me open an app that allowed her to view my accounts and she showed me other attempts to use the account from different parts of the world. I have been purchasing a few more items than usual lately so I thought it was possible that I had been hacked. She told me that I needed to open zelle and put an amount in of {$990.00} and prove that I was the true owner of the account and then we could cancel the purchases. I foolishly did as she asked. When she asked me to cover a second purchase I realized that it was a scam. I hung up the phone and called my bank. I waited to speak with someone who then transfered me to the Zelle division of the bank. I waited for approximately 30 more minutes and then called Zelle directly. An automated message told me that I needed to contact my bank. So I called XXXX XXXX XXXX back and they refused to talk to me until I could get my husband on the line and merge the call. And then they transfered me again and I waited again to speak to the zelle division for over an hour. They did finally talk to me and I was able to file a claim. The representatives from XXXX were all very nice and helpful but the phone call from the scammer was over two hours old. I wonder if more could have been done to help get the money back if I could have reached someone sooner.
10/08/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • LA
  • 70114
Web
On XX/XX/2019 I attempted to send money to my husband the amount of XXXX using Zelle. The transaction was delayed for some unknown reason, when I noticed an hour later that the money had never been received by my husband I contacted Zelle, the representative told me because there was a glitch in there system it canceled the transfer and the money would go back into my account the next day. Well the next day came no money. I called them again and they said it depends on my bank who by the way is XXXX XXXX XXXX XXXX. So I called them and they said sometimes it can take up to 3-5 days so again I waited no money. I decided to do a claim with my bank at this point because Zelle is saying that my bank is holding the funds and my bank is saying Zelle never released the money back to them. I filed the claim on XX/XX/XXXX and was told by my bank to wait 7-10 days as I did on the 10 day I called my bank and to my surprise they hadnt even started my claim stating that I never attempted to reach out to Zelle, no one from my bank ever called me to ask any questions to know if I had contacted Zelle which I did a numerous of times. When i finally spoke to someone in the dispute department she said she would start my claim process on XX/XX/XXXX, but because of their policy its credit on credit received which means I wont get my XXXX back until Zelle sends them the money. Its been an entire month that I have been without my XXXX and my bank or Zelle cant seem to tell me where my money went. If you all can please help me in recovering my funds I would greatly appreciate it.
08/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75024
Web
I affirm that the information provided above is accurate and true to the best of my knowledge. I acknowledge that any false statements or omissions may result in legal consequences, including penalties for perjury as defined by the laws of the United States, whether conducted within or outside the country. Furthermore, I confirm my legal authorization to pursue this dispute under federal and state legislation. I know that including significant factual errors or omissions constitutes a federal offense punishable under 18 U.S.C. 1001. Similarly, making false statements is prohibited by 18 USC 1621. It has come to my attention that my Early Warnings report contains accounts in my banking credit report that are unrelated to any accounts I have personally initiated. I assert that someone or an organization has improperly utilized my personal identifying information without my consent to apply for goods, services, or financial resources. I kindly request a senior official from said company to verify, under penalty of perjury, that I have indeed obtained these fraudulent accounts. It is unlawful for these businesses to engage and include unauthorized banking accounts on my banking credit report. These actions have caused significant stress and distress for which there is no justifiable reason. I want to emphasize that I did not authorize these accounts, as they do not belong to me. I implore you to thoroughly investigate this matter and promptly remove these erroneous entries from my Early Warnings report. I implore you to please remove these items immediately.
07/24/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Opening an account
  • Unable to open an account
  • CA
  • 92071
Web
My Name is XXXX XXXX I am a new immigrant to the united states, I have been settling for about 6 months, during the period of the spread of the covid 19 pandemic, the majority of proposals to work have been online, and this is how I had a proposition through the face book, attached all the discussion since the beginning. I had a proposition to work with XXXXXXXX XXXX XXXXXXXX company for a position XXXX XXXX remotely, the job request some devise and software so they send me a check with XXXX to purchase the necessary materials .I have receive a check next day with an amount of {$3800.00}, I have try many time to deposit the check online with my banking App of XXXX XXXX XXXX XXXX but it was rejected, after 30min My supervisor told me to deposit directly inside the branch of the Bank XXXX Next day the check was returned. I was surprise how a big company like XXXXXXXX XXXX XXXXXXXX doesnt have money for this amount .... The most big surprise is when XXXX XXXX XXXXXXXX close my two account checking and saving account, I cant understand what is my mistake. My Proof The XXXX letter with the tracking number that I receive the check inside A copy of check and The receipt that I deposit the check inside the bank All the discussion in the messenger and the email from this company All the claim that I have do it with my calling of XXXX XXXX XXXXXXXX and my appointment to discuss and trying to resolve this issue no not succeed yet. I want to be remove all this information from the XXXX XXXX and Early Warning Service and be clear off. ( Credit Reporting Agency )
10/30/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • OH
  • 43207
Web
XX/XX/2022 On XX/XX/2022 I was scammed by someone portraying to be from my power Company stating that my power will be shut off in 30 minutes. He sent me a text to confirm that he was from XXXX and he knew my exact balance ( {$180.00} ) I said that I can make a payment to stop my power from being turned off. He said that they will only accept payment through Zelle, because Zelle is linked to your bank and they are there to protect you so that if someone was scamming you, then XXXX would notify you immediately.. I was unfamiliar with Zelle but remembered seeing it when I got on my mobile banking app thru XXXXXXXX XXXX. So with him knowing my exact balance, sent me a text with a verification code and explained how XXXX was there to protect me, I bought it. I thought back to when years prior XXXX would call me when there was suspicious activity and even closed my debit card on XXXX XXXX due to fraudulent activity. I was already late for work and so I started with {$100.00} payment, he said XXXX said you have to send {$180.00} then he said you actually have to send the full balance of {$180.00}. He said he'd refund the other transactions. My total payment was {$470.00}. When I got to work and tried calling the numbers that he called me from the numbers were disconnected. I contacted Zelle immediately, they said to contact my bank, So I called XXXX and they stated that they would have to wait until the transactions posted to my account which could take 24-48 hours. I also contacted the XXXX Police Dept., FBI, Attorney General, XXXX XXXX, and XXXX XXXX.
11/24/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Trouble accessing funds in your mobile or digital wallet
  • MO
  • 63017
Web
A friend attempted to send money to my XXXX XXXX account via Zelle. When Zelle got around to actually processing the transaction, they removed the money from the sender 's account, but did not deliver it to the recipient ( me ). I can not access the money. The recipient can not cancel the transaction. Right now, Zelle is holding on to the money for an unspecified amount of time. I contacted XXXX XXXX twice about this. They said that because the money is currently being held by Zelle that there is nothing they can do to complete or cancel the transaction. Why they suggest using Zelle under these circumstances is unclear, though of course they likely get paid for doing so. I have attempted to contact Zelle twice. Their automated system asks if the transaction is being done via banking app, and when I selected the option to say that it was, the machine told me to hang up and call the bank. They offered no option to complete or cancel the transaction, or to even speak to a representative. Neither the sender nor I knew that a simple funds transfer could be delayed indefinitely like this. Currently Zelle is holding on to the money. Neither sender nor recipient can access it or modify the transation. There is no way to contact Zelle about the problem, and the bank - at least my bank - claims that there is nothing they can do about the missing money. As of this moment, over a XXXX dollars in US currency is missing, and neither XXXX XXXX or Zelle is offering any recourse to recovering it, other than to wait and probably get it next week. Probably.
04/07/2022 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • FL
  • 32712
Web
You know, theres always a risk and that understandable but when you're making deals for parts in a forum you hope people are legit, followed the rules and don't ghost you. I was looking for the XXXX XXXX springs and I had posted in the For sale post about the springs. No response right, then I get a message with the email of the guy/girl selling them so I made the inquiry. Get a quick response from [ EMAIL ] XXXX [ /EMAIL ] and tells me the springs are still available. I figured they were gone and i'll take the blame for not verifying more. We made a deal on the price plus the shipping to my location. Both agreed and the money was sent. All seemed to go well. Then later that evening I receive an email telling me that the shipping was much more than expected and was asked for {$50.00} more. HOLD UP, I know theres no way it's {$75.00} to ship those, especially since he originally wanted {$150.00} and then dropped the price to {$120.00}. I responded with " we made a deal and I could have bought them cheaper from a site as we agreed on {$200.00} shipped, send them the less expensive method. '' I then get some response about trying that and they would be shipped out Monday. Well, here it is Wednesday and numerous emails later with no responses. The alternate email I have for him is [ email ] XXXX [ /email ] I am assuming at this point I have been ghosted and at a loss. Not sure theres anything anyone can do but I wanted to let the community know of this shady character. Here is the Original Thread [ URL unfurl= '' true '' ] https : XXXX [ /URL ]
07/14/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 75149
Web
On XX/XX/21 an XXXX user by the name of XXXX XXXX asked me, a XXXX XXXX and XXXX XXXX, to create a birthday song for her son for {$500.00}, and asked to send a {$200.00} deposit. I agreed, and she claimed she got a check made for {$2000.00} by accident and would not be able to get another check for a month, and though I asked, On XX/XX/21 an XXXX user by the name of XXXX XXXX asked me, a XXXX XXXX and XXXX XXXX, to create a birthday song for her son for {$500.00}, and asked to send a {$200.00} deposit. I agreed, and she claimed she got a check made for {$2000.00} by accident and would not be able to get another check for a month, and though I said I can wait until the full {$500.00} payment, and I can wait until a {$200.00} payment can be officially made out. She responded, I cant deposit another check, and its already been made out. I then deposited the check and she requested the {$1800.00} sent back via Zelle. I then Zelled the money back and later found that a negative balance was in my account for the first time. Then learned after 7+ hours on the phone with XXXX XXXX and a 4 hour phone hold, that Zelle can do nothing because Zelle has a zero-recovery ability for fraud. Meaning {$2000.00} was scammed from my account and my bank can do absolutely nothing to replace this. I have screenshots and proof of all the conversations, even though XXXX XXXX was able to delete many of the initial messages, including her initial message to me and all the details involving how she wanted the song made. What was left, however, was her Zelle requests.
03/29/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • OR
  • 97230
Web
When using Zelle, you are able to send money to individuals even if the account doesnt have a verified phone number through the XXXX app, which partners with Zelle XXXX The XXXX XXXX app has no way to verify your phone number. When you try to, it asks you to use Zelle. When you download the Zelle app to verify your number, it forces the XXXX app open, blocking your access to the actual Zelle app. Zelle also does not have a web browser version to do so. You have a certain amount of time to verify your your phone number in order to accept the transaction. If you dont meet the time allotted then the money is collected by Zelle and there is no way to get it back. The sender nor the recipient retain any funds involved in the transaction. This is essentially theft, supported by Zelle and enabled by every bank that uses the app that lets this go unchecked. I spoke with a chief software engineer XXXX XXXX at Zelle about the issue, and he gave no solution or admission of wrongdoing. He claimed That Zell is designed for banks to use, which essentially makes it an extension of a bank, as it is acting in their interests, and should be held accountable to the same rules and regulations. But they are not. Zell has allowed banks to operate outside of the rules they have been given. This is a class action lawsuit, and it should be investigated further. This causes a lot of issues. Delay in payment and a loss of time and increased stress on the customer. The law should not be passed over due to a 3rd party acting in the banks best interest.
03/30/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • SC
  • 29550
Web
A website ( XXXX ) claimed to be selling bichon frise puppies for {$650.00}. I contacted them and had conversation with them about buying the dog. They said they required the {$650.00} and {$100.00} for some other fees. Then they said once the full amount of {$750.00} was sent that they would send a bill of sale to me and for me to sign it so they could ship the puppy to my immediately. {$500.00} was sent on XX/XX/2021 through XXXX XXXX Zelle and {$250.00} was sent on XX/XX/2021 through XXXX. I then received a fake bill of sale and I was told they took the puppy to the airport at which they claimed there was problems. They told me I had to pay the airport {$1200.00} to send the puppy but that {$1200.00} of that would be given back to me once I received the puppy. I also received a fake document saying this same information. When I tried emailing back asking to pick the puppy up myself instead of sending her on a plane but that is when they stopped emailing me. I called a phone number they gave me but it would just go straight to voicemail and they text me saying they could not talk. When I asked if my money was going to be sent back their response was yes obviously and I never heard anything back from them again.I contacted XXXX and they said they couldnt do anything since it wasnt through a business account. I called XXXX and they said they would do a claim on it but that I may not get my money back which I didnt because they claimed they could not do anything even though I have emails and claimed this with the Federal Trade Commission.
05/02/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • WA
  • 98011
Web
A contractor attempted to scam me using Zelle. I paid him ( in advance against my better judgment ) via ZELLE last week ( XX/XX/2023 ). He didn't show up on the day he was supposed to do the job and when he finally did show up today ( XX/XX/2023 ) he didn't have the skills and/or tools to complete the job. He apologized and said he said he'd refund most of the money back via Zelle. I got a text saying I needed to enroll in zelle first in order to receive the money he sent, but I obviously didn't need to enroll AGAIN since that's how I sent him the money in the first place. When I attempted to reach out today to Zelle 's fraud department, to see if the text I got was from Zelle, and if not, to report the scam ... .I found that there is literally no way to contact someone in person. The message just says to contact your bank if you don't have the app. And if you DO have the app, you're supposed to hold for someone to help you, but no one ever picks up and it goes in a loop nowhere .... I feel helpless and wish corporations didn't behave in this manner. I've literally tried all day to try to fix this issue with my bank. Zelle is nowhere to be found. I attached a screenshot from someone on XXXX with the same problem as I've been researching this issue all day and can find no help other than on XXXX. I had to the threaten to call the XXXX XXXX liability and insurance department to file a claim in order to get him to pay me back via XXXX. As you can see from the screenshots, his name is different in XXXX vs. zelle. His phone number is XXXX
12/12/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • WA
  • 98374
Web Older American
XX/XX/2022, We purchased a boat for $ XXXXand used Zelle to make the transfer. As we stood waiting for the transfer to go thru the seller watched his phone stating its not coming thru, but we could see it was deducted from our checking acct. After about 30 min of waiting, we called XXXX XXXX XXXX and they transferred us to the Zelle people, they stated that they couldn't see any activity and told us to try the transaction again. The seller also stated that he was having trouble with that phone number, and it might have been to an old bank acct numb, so he provided a different phone number. Zelle told us to retry the transaction again. So we did the process again and then we could see the checking acct. where nothing happened then there was another {$3500.00} transfer out of our acct to the seller of the boat. and it all looked ok. We took the boat and went about our day. The next day both {$3500.00} transfers appeared as deposits to the boat sellers Accts. We contacted the seller and he stated that he did see the extra {$3500.00} in his acct and he would instruct his bank to send it back to us via Zelle. [ we contacted Zelle and they advised that they did as they were instructed, they transferred two {$3500.00} transactions to two different phone numbers, so it wasn't there problem. ] We never received the money from the seller, upon serval attempts to contact the seller he has changed his phone number & moved leaving no forwarding address. I have filed a small claims court action against him but have been unable to have him served
10/04/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • TX
  • 78130
Web
Bank XXXX XXXX and Zelle are refusing to return money that was stolen from my checking account using Zelle. I was a victim of theft on XX/XX/2022 in XXXX XXXX, LA. My cell phone, credit cards, debit cards, driver 's license were all stolen. I filed a police report with the XXXX XXXX Police Department. Bank XXXX XXXX did not remove my phone # from my account after their customer support indicated they did. They continued to allow the thieve ( s ) to use my stolen mobile phone to receive the SMS 2 factor authentication code and get into my online Bank XXXX XXXX account. These transactions were not initiated and were not authorized by me. My Phone was stolen. Posting date XX/XX/2022 Description Zelle Transfer Conf # XXXX ; XXXX XXXX XXXX StatusCleared Amount- {$1000.00} DescriptionZelle XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX category Cash, Checks & XXXX XXXX Other Expenses Posting date XX/XX/2022 Description Zelle Transfer Conf # XXXX ; XXXX XXXX XXXX StatusCleared Amount- {$2500.00} DescriptionZelle Transfer XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Description Zelle Transfer Conf # XXXX ; XXXX XXXX XXXX XXXX Amount- {$2000.00} DescriptionZelle Transfer Conf XXXX XXXX XXXX XXXX XXXX Merchant XXXX XXXX XXXX Transaction XXXX XXXX, Checks & XXXX : Other XXXX Posting date XX/XX/2022 Description Zelle Transfer Conf # XXXX ; XXXX XXXX XXXX XXXX XXXX {$1500.00} DescriptionZelle Transfer Conf # XXXX XXXX XXXX XXXX Merchant name XXXX XXXX XXXX category XXXX XXXX Checks & XXXX : Other Expenses
12/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Was not notified of investigation status or results
  • CA
  • XXXXX
Web
After four months of communication and different disputes with EARLY WARNING SERVICES , LLC, SUSPICIOUSLY, UNETHICALLY, AND LACK OF PROFESSIONALISM, today XX/XX/XXXX, THE CONSUMER SERVICES AGENT NAMED XXXX, told me that IT IS WRITTEN IN MY FILE THAT SINCE XX/XX/XXXX, ( WHEN I COMPLAINT TO THE CFPB THAT EARLY WARNING SERVICES , LLC HAS NOT SENT ME A XXXX XXXX NOTICE OF REMOVAL LETTERS FROM MORE THAN A MONTH AGO, AND I REQUESTED XXXX SEND ME A CERTIFIED ENVELOPE TO BE SURE THEY ARE SENDING THE XXXX XXXX LETTERS ), XXXX HAS TO VERIFY MY IDENTITY. XXXX asked me personal information from XXXX to the present, and I answered ALL THE QUESTIONS CORRECTLY, then she told me that she was going to send me an text to my cellular with a link to be open and then to follow instructions in order to XXXX to assist me. First, I have not paid my cellular phone, and second, it looks a pretext to open a link in order to be worth to be assisted. I COMPLAINT AGAINST EARLY WARNING SERVICES FOR DISCRIMINATION BECAUSE THIS COMPANY IS TREATING ME IN A DIFFERENT WAY, IN A REVENGE WAY, AND WITH INEXCUSABLE PRETEXTS NOT TO ASSIST ME. ALSO, SINCE I AM REJECTED TO BE ASSISTED WITH SUSPICIOUS EXCUSES, I WILL BEGIN REQUESTING MY COMPLAINTS FROM THIS PAGE. TODAY I SENT TWO DIFFERENT DISPUTES : XXXXXXXX XXXX XXXX XXXX ACCOUNTS, AND XXXX XXXXXXXX XXXXK. TODAY IS XX/XX/XXXX, I REQUEST XXXX TELLS ME WHEN THEY WILL ANSWER MY DISPUTES FROM XXXX XXXX XXXX FOUR ACCOUNTS, AND FROM XXXXXXXX XXXX, ONE ACCOUNT. I ALSO REQUEST THE LETTERS BE SENT BY CERTIFIED MAIL. THANK YOU.
06/27/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other service problem
  • CA
  • XXXXX
Web
This complaint is in regard to the Zelle payment service used by my bank XXXX XXXX. A friend of mine sent me a Zelle payment of {$1800.00}. Her bank XXXX, has a glitch in their system which caused a double payment to be sent. She called her bank XXXX and one of those payments were cancelled. I received the {$1800.00} ( one payment ) in my account at XXXX XXXX, however my bank XXXX XXXX blocked my Zelle account as they said theres a claim of fraud associated with this transaction. Since this occurred, Ive had two called with ( 1 ) the sender of the payment, ( 2 ) XXXX representative, and ( 3 ) XXXX XXXX representative. XXXX has reiterated several times that : There was NEVER any fraud that occurred nor have there been ANY claims of any type made associated with this transaction. This issue was caused by a glitch in XXXX zelle system which caused a double payment to be made and one they reversed. I have been a customer of XXXX XXXX for over 35 years. I have used Zelle for over 15 years and never have there been any complaints or anything else associated with my account or use of Zelle. It has been over two weeks since my use of Zelle has been blocked from no fault of my own. I have requested several senior officials @ XXXX XXXX and Zelle to contact me, yet until this time, none of them have returned calls or addressed this issue. My Zelle account is still blocked. Please consider this an official complaint against Zelle and XXXX XXXX. The block on my use of Zelle should be lifted. Thank you. Sincerely, XXXX
09/28/2017 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • TX
  • 75063
Web
My tenant sent me the rent via ACH using his XXXX XXXX account using ClearXChange. I got an email that I am receiving this money and i clicked on that. Just to check the status - i logged into the account. It had my XXXX XXXX checking account. But then ClearXChange asked me to switch to XXXX ( their so called easier and faster platform ). There were no documentation in terms of the consequences of doing this. When i did that - i come to know that XXXX is only mobile based app - it 's not something that can be done via computer browser ... it 's strict no no for me. Worst thing - it cancelled my ClearXChange profile and cancelled my incoming transfer. Out of frustration - i called the toll free # at around XXXX XXXX central time and happen to talk to XXXX and XXXX ( supervisor ) about it. But talking to them was the most hopeless thing in the whole world. Few questions : 1 ) Why in the world they are forcing customers to switch to the new platform? 2 ) Ok, you can ask customers to switch to the new platform - but why you are cancelling their existing money transfers? 3 ) With the platform change - their IT or operations should have done the heavy lifting task to migrate the customer profiles and money transfers rather than passing the entire burden to the customers to do that. Moreover they negatively impacted all the customers. This is plain simple ridiculous. Customer service seems to be operating from XXXX and does n't even know how to deal with customers in this kind of situation. They are taking customers for granted.
07/12/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NC
  • 27455
Web
I was selling a table through XXXX XXXX for {$100.00} and received a message from a potential buyer with the profile name " XXXX '' who was interested and wanted to pay through Zelle. The person led me to believe they were legit. I gave them my phone number and email so that they could send me {$100.00} for the table. I never received the money in my Zelle account. I started receiving emails from what it seemed like an official Zelle email saying that I needed to upgrade my Zelle account for XXXX in order to receive the XXXX, but I would be credited back once I upgraded. That is what I did. However, I got another email saying that the buyer accidentally sent an additional XXXX. The buyer started sending me messages saying, " I trusted you and I accidentally sent more money now refund me back. '' I thought that Zelle was the third party and would make sure that I would be credited back. Then I got an email saying that with the business account I needed to pay XXXX license and fees for XXXX. The email reassured me that I would be credited back the {$900.00} I personally sent out and then receive the {$100.00} for my table. I realized that it was a scam after I received yet another email asking this time for XXXX. I stopped communicating online with XXXX. Contacted Zelle and reported fraud and they informed me that they could not get my money back and contact my financial institution. My financial institution XXXX XXXX is giving me a hard time because they said that I authorized the transactions, but I was tricked into doing so.
01/20/2022 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • ID
  • 83202
Web
On XX/XX/XXXX I filed a fraud claim through XXXX XXXX XXXX XXXXn person letting them know that someone used their XXXX # to contact me and trick me into believing that he was a representative from the XXXX XXXX XXXX First, I was contacted via text about a fraud attempt, asking if I'd attempted a {$3500.00} Zelle transfer. After responding " No '' I received a call from someone who spoofed the XXXX # on the back of my debit card. I was guided through a process which led me to transfer money via Zelle to an unknown XXXX XXXX account. XXXX XXXXXXXX XXXX advised that the investigation could take up to 10 business days. On XXXX XXXX I filed a police report ( XXXX XXXX XXXX XXXX Police XXXX Report # XXXX ). As of XX/XX/XXXX, it had been 10 business days and the bank informed me that their fraud investigation team came up with nothing and closed my case. They were waiting for Zelle to get back to them. {$3500.00} ( in two transactions ) was taken from my savings account on XX/XX/XXXX. I have texts confirming the transfer of the Zelle money and a case number which has been dropped by XXXX XXXX XXXX. On XX/XX/XXXX, the bank informed me that they are unable to recover the money. On XX/XX/XXXX, I received a call from Agent XXXX from XXXX XXXX ( XXXX Ext XXXX, Claim # XXXX ) officially advising that XXXX XXXX XXXX is unable to help me recover my {$3500.00}. I am disabled and having anxiety attacks due to this horrific situation, struggling to pay my bills and have no one else to turn to. Your help would be greatly appreciated.
12/08/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • NY
  • 132XX
Web Servicemember
So Ive attempted to open an account with XXXX XXXX. They will not open my account because of negative remarks from XXXX. It keeps saying something about checks. I never had checks with XXXX when I had an account with XXXX and every time I went to cash my employment check because of the amounts I always had issues so I ended up closing my account which they gave me a hard time doing that and went to bank with XXXX which Ive havent had any issues with since I also have an account with XXXX thats been in good standing for a while now as well so the report from XXXX XXXX came in. I called the people who they go through for the credit check. They told me to reach out to XXXX. I reached out to XXXX. Theyre saying that there isnt anything the information that theyre giving me is incorrect so they gave me who they go through when they pull credit reports contacted them. They said that they dont see anything for me to reach back out to the people who pull the credit reports for XXXX XXXX reached out to them, filed a complaint for them to look further into it and reach out to XXXX . They sent me a letter stating that, even though when XXXX sent me the credit report and the information that they had, I sent it to them when I Filed the claim they said that it came back. Still something on there is saying that theres something on XXXX report and I would like for it to be removed because I closed my account with keeping. I dont owe XXXX anything and Ive never wrote a check because I never received checks I used to cash my employment check.
10/31/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • FL
  • 32757
Web
To Whom It May Concern : I have submitted disputes to XXXX over 7times already, XX/XX/XXXX, XXXX requesting the removal of a few accounts, in compliance with the Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] I am dismayed that XXXX has not taken care to maintain the procedures to assure complete accuracy in the information they have published and has not complied with the law by providing the requested information within the 30 days allowed. The accounts that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : XXXX XXXX XXXX + XXXX XXXX XXXX + XXXX XXXX XXXX + XXXX XXXX XXXX XXXX + XXXX XXXX XXXX + XXXX XXXX XXXX XXXX XXXX + XXXX XXXX XXXX XXXX + XXXX XXXX XXXX XXXX + XXXX XXXX XXXX + XXXX XXXX XXXX XXXX XXXX + XXXX XXXXXXXX XXXX. I have never worked for XXXX XXXX The hard inquires that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : XXXX XXXX XXXX XX/XX/XXXX + XXXX XXXX XXXX XX/XX/XXXX + XXXX XXXX XXXX XX/XX/XXXX + XXXX XXXX XXXX XX/XX/XXXX + XX/XX/XXXX + XXXX XX/XX/XXXX + + XXXX XX/XX/XXXX + XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX AND XXXX XXXX XXXX XX/XX/XXXX. XXXX can see that there are alerts attached to my profile about mismatched information along with long standing fraud alerts. I have never lived at or received mail at these addresses : XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
11/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Problem with personal statement of dispute
  • PA
  • 19151
Web
Hello my Complaint is the Bank involved XXXX XXXX mainly i Lost my Job a long while ago when i had the account and i XXXX overdrafted some and ended up owing XXXX XXXX XXXX XXXX because my account was overdrafted for a long time and i had no income the amount was acctually higher until my state income tax return came and my amount owed was reduced for XXXX XXXX and my Problem is me owing them XXXX XXXX has my ability to Open A bank with Some/many/or All banks is now either hard or next to impossible thanks to me owing ally XXXX! XXXX only XXXX XXXX and possibly my XXXX account is mixed up in it as well closing out owing them XXXX XXXX because i was using Privacy the virtual card service and forgot privacy charges take a long time to go through and what i probably did with XXXX is spend the money before paying XXXX but i dont know if its on the same report so i recently applied to some banks and was rejected by both XXXX XXXX XXXX and XXXX XXXX and this XXXX XXXX a Small amount mind you which im happy to pay is ruining my chances of opening any account and prepaid/debit card accounts charge annoying fees on anything id rather have a bank and im pretty sure if i apply to most banks i will get denied i would totally understand if i Owed XXXX XXXX XXXX but its XXXX XXXX if XXXX is actually in the report i owe probably XXXX together this is crazy and i lost the letter ally gave me stating this but when i applied to XXXX XXXX for an account they sent me this letter saying my early warning score is high risk
11/04/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NY
  • 11357
Web
I was trying to sell a XXXX wallet on XXXX. First time setting up my account. I had a purchaser interested in the wallet but I was not sure of the protocol. The purchaser ( scammer ) sent me account information that they had paid the amount of {$400.00} for which is the amount I was selling the wallet. The scammer sent me a transaction ID and bank details that the money was being held because my account was not set up. That in order for the funds to be released I needed to setup an account with cash to establish insurance for purchasers. I received an email for what I thought was Poshmark stating instructions on how to setup up the account and I would recieve the refund- I was asked to send multiple amounts of Cash through Zelle in order to sell the wallet. XXXX does not have a phone number and only an email to answer any account questions. I thought I was being contacted by XXXX and it really wasn't XXXX they just used their email address and logo. Since it was the only way to communicate with XXXX is via email they do not have a telephone number I thought it was legitime with and I was scammed out of {$1600.00}. Also how I was ignored when I contacted Poshmark multiple times and finally when they responded it was too late funds had been sent The following amounts and dates are listed that I am requesting a refund from either Zelle, XXXX XXXX or XXXX. Sent the following Zelle 's XX/XX/22 : {$500.00} XX/XX/22 : {$200.00} XX/XX/22 : XXXX XX/XX/22 : {$100.00} XXXX XXXX XX/XX/22 XXXX {$500.00} XXXX XXXX XXXX XXXXXXXX
08/10/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 786XX
Web
I attempted to purchase a Puppy from XXXX XXXX XXXX and the person told me to use Zelle, I checked on my Bank App XXXX XXXX '' and it showed I was able to use Zelle. So assuming my bank would cover if something went wrong, I used it. And sent the money through Zelle, to find out the person was scamming people. The purchase was made on XX/XX/2022 XXXX TO XXXX XXXX {$750.00} ; and when I found out it was a scam, I went to my bank before it was even processed. They told me, there was nothing they could do till the pending status was removed. So the following day I went back in, spoke to a representative at the counter who called XXXX 's fraud department, who transferred us to Zelle 's fraud department within my bank 's branch. And they told us to wait 10 business days, they would call me and get more info. Instead of calling me, they sent me a letter on XX/XX/2022 stating " Based on our investigation, the transfer was valid and processed as instructed. As a result, your dispute is denied. '' And when I called the branch near me, they said I'd have to call Zelle. But if you call Zelle, they tell you that it's your bank that needs to handle this situation. -The purchase was done on XX/XX/2022 and on the same day I realized it was a scam ; the following day XX/XX/2022 Monday I went into my bank, they said if it's pending they can't do anything. Then made a appointment for XX/XX/2022 to come back to the bank to get it resolved. To which they called XXXX 's Fraud Department for Zelle. That's when the rest transpired above.
12/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Was not notified of investigation status or results
  • CA
  • XXXXX
Web
After four months of communication and different disputes with EARLY WARNING SERVICES , LLC, SUSPICIOUSLY, UNETHICALLY, AND LACK OF PROFESSIONALISM, today XX/XX/XXXX, THE CONSUMER SERVICES AGENT NAMED XXXX, told me that IT IS WRITTEN IN MY FILE THAT SINCE XX/XX/XXXX, ( WHEN I COMPLAINT TO THE CFPB THAT EARLY WARNING SERVICES , LLC HAS NOT SENT ME A XXXX BANK NOTICE OF REMOVAL LETTERS FROM MORE THAN A MONTH AGO, AND I REQUESTED EW SEND ME A CERTIFIED ENVELOPE TO BE SURE THEY ARE SENDING THE XXXX BANK LETTERS ), XXXX HAS TO VERIFY MY IDENTITY. XXXX asked me personal information from XXXX to the present, and I answered ALL THE QUESTIONS CORRECTLY, then she told me that she was going to send me an text to my cellular with a link to be open and then to follow instructions in order to XXXX to assist me. First, I have not paid my cellular phone, and second, it looks a pretext to open a link in order to be worth to be assisted. I COMPLAINT AGAINST EARLY WARNING SERVICES FOR DISCRIMINATION BECAUSE THIS COMPANY IS TREATING ME IN A DIFFERENT WAY, IN A REVENGE WAY, AND WITH INEXCUSABLE PRETEXTS NOT TO ASSIST ME. ALSO, SINCE I AM REJECTED TO BE ASSISTED WITH SUSPICIOUS EXCUSES, I WILL BEGIN REQUESTING MY COMPLAINTS FROM THIS PAGE. TODAY I SENT TWO DIFFERENT DISPUTES : FOUR BANK OF AMERICA ACCOUNTS, AND ONE XXXX BANK. TODAY IS XX/XX/XXXX, I REQUEST EW TELLS ME WHEN THEY WILL ANSWER MY DISPUTES FROM BANK OF AMERICA FOUR ACCOUNTS, AND FROM XXXX BANK, ONE ACCOUNT. I ALSO REQUEST THE LETTERS BE SENT BY CERTIFIED MAIL. THANK YOU.
10/17/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • GA
  • 300XX
Web
Early Warning has a couple accounts listed on my profile Early Warning that's from XXXX XXXX XXXX as well XXXX XXXX with totally different social security number then what was giving to me at birth. But Early warning has place them on my report without doing their on research which they would have caught it because my ss starts with XXXX not no XXXX so I'm requesting Early Warning to remove these accounts from my profile on their system or a lawsuit will be file on my behalf. Which i never knew one can have 2 social security numbers i have proof of my social security card as well when i received it from the Social Security office. I spoken with XXXX XXXX they are still stating its mines but cant provide proof its mines nor can they confirm that the social number is mines which i gave them my numbers and also offered to go into their branch with my information but they stated its not needed. XXXX XXXX XXXX sent me letters out stating its not mines and that i didn't nor don't have account with them at all as i went into XXXX XXXX XXXX branch with my information and they couldn't match nothing to me. But Early Warning has it as mines on their profile for me. Early Warning is tying other people information on my profile which i need removed and a new copy of the report sent out to me asap with the correct information that's not reporting XXXX XXXX XXXX and XXXX XXXXl on my profile. Attached is a letter from XXXX XXXX XXXX stated that their not reporting under my name but Early Warning is reporting under my name.
01/31/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • ID
  • 83202
Web
On XX/XX/XXXX I filed a fraud claim through XXXX XXXX Bank in person letting them know that someone used their XXXX # to contact me and trick me into believing that he was a representative from the XXXX XXXX Bank. First, I was contacted via text about a fraud attempt, asking if I'd attempted a {$3500.00} Zelle transfer. After responding " No '' I received a call from someone who spoofed the XXXX # on the back of my debit card. Before I knew it {$3500.00} was taken from my bank account and sent to an unknown XXXX Bank account. XXXX XXXX Bank advised that the investigation could take up to XXXX business days. On XXXX XXXX I filed a police report ( XXXX XXXX XXXX XXXX Police XXXX Report # XXXX ). As of XX/XX/XXXX, it had been XXXX business days and the bank informed me that their fraud investigation team came up with nothing and closed my case. They were waiting for Zelle to get back to them. {$3500.00} ( in XXXX transactions ) was taken from my savings account on XX/XX/XXXX. I have texts confirming the transfer of the Zelle money and a case number which has been dropped by XXXX XXXX Bank. On XX/XX/XXXX, the bank informed me that they are unable to recover the money. On XX/XX/XXXX, I received a call from Agent XXXX from XXXX XXXX ( XXXX Ext XXXX, Claim # XXXX ) officially advising that XXXX XXXX Bank is unable to help me recover my {$3500.00}. I am XXXX and having XXXX XXXX due to this horrific situation, struggling to pay my bills and have no one else to turn to. Your help would be greatly appreciated.
01/30/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • OH
  • 453XX
Web
On XX/XX/2022 XXXX made a purchase from me on XXXX XXXX. Buyer used a fake email to represent Zelle ( XXXX ) sending me the money for order. Then sent email stating I needed to collect {$500.00} from buyer and refund it to make my Zelle account authorized for Marketplace transaction. Buyer sent email stating {$500.00} was pending and to refund {$500.00} and provide screenshot of of my {$500.00} refund. Money was never pending into my Zelle account and Zelle sent my {$500.00} to XXXX. Buyer got nasty with me once I called out his scam and I sent a request for my {$500.00}. I immediately called my bank, XXXX to report this. XXXX saw I sent {$500.00} in Zelle and didnt see any pending deposits for my account. He told me to call back next day to file dispute XXXX the {$500.00} showed as a posted Zelle deduction from my account. I also contacted Zelle, I was directed to deal with my bank. I called XXXX next day when the {$500.00} was posted as coming out of my account. Case opened at XXXX. Meanwhile I forwarded emails to Zelle customer service, they requested me to call them. I did, I explained what happened and was told unfortunately I need to file dispute with bank as I already did. I forwarded the fake zelle email to XXXX on XX/XX/2022, the zelle customer support was able to tell me the money I sent did go into a XXXX XXXX XXXX account. On XX/XX/2022 XXXX denied my case and said this was an authorized Zelle transaction. I am out {$500.00} and no company is helping me. Zelle, XXXX XXXX XXXX or XXXX bank
08/27/2015 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • FL
  • 34743
Web
I am submitting a complaint against Early Waring Services because I have been a victim of Identity theft and sent in the required documents that they requested Police report, ID and consumer Identification form. There is an inaccurate reporting showing from XXXX XXXX on my file with them In which I sent in a dispute to them along with the Identity Theft Remedy documents requested and they claim that XXXX XXXX claimed the account to be verified as reporting accurate. I called today and spoke to a supervisor ( XXXX ) who told me that XXXX XXXX did not respond as to why they believe the account to be accurately reporting so that gives them permission to remove the reporting from my file. Shortly after XXXX called to tell me that XXXX XXXX responded as to why they believe the account is reporting accurately and that the reporting was going to be reinserted in to my file. They said that I can rebuttal the reason as to why XXXX XXXX believes the reporting is accurate and I have to explain why I disagree. I have already stated why I disagree the moment I sent them a Valid Police Report Specifying that this account reporting is Fraudulent and Identity theft. They are completely violating my FCRA rights and ignoring that fact that this is an identity theft account that was opened fraudulently. Why should I have to rebuttal what is obvious in my initial dispute with them? This situation seems to be completely biased as this company was formed and XXXX XXXX has partnership and interest in the stock of this company.
12/04/2017 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • NV
  • 89117
Web Older American
On XX/XX/XXXX my daughter used XXXX to pay me back {$100.00}. I have the confirmation from her bank, XXXX XXXX. Unfortunately, she had a typo in my email address, but I called XXXX before we knew this and they said they did n't have anything and that it would take 3-4 business days anyway. The money was returned to my daughter on XX/XX/XXXX. On that same date at XX/XX/XXXX at XXXX XXXX XXXX, she resent the money. The confirmation code from XXXX XXXX is XXXX. I have been waiting since then. I called XXXX on XX/XX/XXXX and spent 90 minutes on the phone - 45 minutes with the person trying to help me get the app up on my phone and then another 60 minutes on hold with their " advance support. '' The XXXX case number is XXXX. I gave them ample time to transfer the money. As I XXXX them, I find I 'm not the only one having problems. My thought is that this company should n't be responsible for handling currency transfers if they do n't have it together. I want my money. Today, XX/XX/XXXX, I called again, waited on hold for 40 minutes. I spoke with a representative and she wasnt able to help and, as usual, the questions, Are you sure you used the right password? Did the sender put in the right email address? Then it was we have to escalate this to the next level because your account has been locked because of the attempts to get into it. When I asked where my money was, they said it wasnt in my account and that, we dont know where it is, but your daughter can cancel and resend. This is unacceptable.
12/06/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 33156
Web
On XX/XX/2022 ( 251 days ago at time of this complaint being submitted ) XXXX XXXX XXXX me {$1000.00} for services rendered. A couple weeks later she filed a fraud chargeback on the {$1000.00}. It was investigated for ~180 days and then found in my favor and the {$1000.00} was sent back to me in its entirety by Zelle and XXXX XXXX XXXXXXXX XXXX Yesterday, XX/XX/2022, Zelle allowed XXXX to open a second chargeback on that same original transaction from XX/XX/2022. I was on the phone with 6 different people, spanning 3 hours. XXXX from Tennessee @ Zelle said ( on a recorded line ) said that this second chargeback should not have been allowed to be filed, but she couldnt view details. Then she transferred me to XXXX. XXXX with Zelle Fraud and the supervisor XXXX said they were unable to help me and the investigation has to happen. Them allowing a second chargeback is in direct violation of their corporate policy outlined here : XXXX XXXX XXXX. To quote them : We can only attempt to dispute a transaction that happened within 120 days. XXXX from Texas, another supervisor said the original claim was filed wrong but will not point me to a published article or policy by Zelle which contradicts or supercedes their 120 day policy. They are a multibillion dollar entity who has employees saying different things, supervisors contradicting written policy, and they just keep passing me around to repeat my same story to yet more people. I am completely dissatisfied and need this to be resolved, please.
04/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • AZ
  • 863XX
Web Older American
My issue is with Early Warning. On XXXX XX/XX/XXXX I attempted to setup autopay with XXXX XXXX XXXX but XXXX responded that they were unable to verify the bank account. XXXX provided contact information for Early Warning. I snail mailed XXXX a check from that XXXX XXXX checking account, on XXXX XXXX I received an email from XXXX indicating payment receipt. On XXXX XXXX I phoned Early Warning attempting to get a copy of whatever information they have/ use as a basis for Early Warning 's response to XXXX. During the phone call they wanted me to take a photo of the back of my driver 's license, attempted the process multiple times ( think it was at least XXXX ) - apparently unsuccessful. Also during the phone call the representative asked a number of questions ( presumably Soc Sec number, DOB, etc ) in addition to asking what state I resided in XXXX ( I was a high school sophomore living with my parents in Illinois ) and the representative asked if I knew some names- I think there were XXXX or XXXX names she mentioned, none of the names sounded familiar ( no idea if the surnames were maiden names or married names ). On XXXX XXXX ( per Early Warning 's instructions ) I went to a XXXX store to have them fax a copy of my driver 's license, passport, and passport card to Early Warning. On XXXX XXXX Early Warning sent me an email saying they were unable to process the request. On XXXX XXXX XXXX sent me an email indicating they have improved their XXXX XXXX system to benefit XXXX XXXX customers.
12/15/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • WA
  • 985XX
Web
I sent {$1000.00} on XX/XX/XXXX from my XXXX XXXX checking account via Zelle to my Daughter, XXXX XXXX XXXX XXXX XXXX account. Unknown to me at the time the funds were transferred to a XXXX account holder. My daughter 's cell phone # that I typed into Zelle was previously the cell phone # of this person at XXXX. I filed a complaint with XXXX XXXX on XX/XX/23, and since then 10 business days have elapsed and XXXX tells me the case is closed, I have not received the {$1000.00} back into my bank account. I called XXXX and they can not help, they said to call XXXX XXXX. Additional info- the woman who used to have this cell phone # is in debt by about $ XXXX, which my daughter has gathered from all the collection calls she receives for this previous owner of the phone #. I believe my daughter might have the name of the woman who received the {$1000.00}, only because my daughter still receives phone calls for this woman. I want to file this complaint right away, but I can follow up and provide the woman 's name. My main question/complaint is how come the banks and Zelle transferred the funds into a person 's bank account and they didn't cross check the name of the recipient with the Name I put into Zelle? The transaction details in my bank account show the name on the account to be XXXX, but the funds were transferred to a different person. Shouldn't the banks and Zelle be cross checking the name that I put in as the recipient to be the same as on the account they are depositing the funds into?
03/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 305XX
Web
Date : XX/XX/22, I sent them a letter heres my tracking number. XXXX to Early warning. 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. This is harming my ability to obtain checking accounts and credit. Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that you immediately delete this information from my checking account reports. This company did not process my dispute when I sent this with tracking. Also, I asked for them to send me records indicating those accounts on file needs to be deleted. They still not have corrected this error, I am litigious about getting this errors off my report. I can not open a checking account anywhere because of this.
07/04/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • VA
  • 222XX
Web
I am a victim of the scam and I want both Zelle and XXXX XXXX to work together to remedy the situation. In XXXX this year, I tried to sell my car ( XXXX XXXX XXXX XXXX on XXXX at {$1200.00} and a buyer named " XXXX XXXX '' sent me, by XXXX, a cashier 's check issued on XX/XX/XXXX, which now the XXXX XXXX XXXX has formally confirmed as fraudulent ( see the attached XXXX XXXX XXXX response to my CFPB complaint # XXXX ). When I received the check on XX/XX/XXXX and immediately deposited it into my XXXX XXXX XXXX account, the buyer told me that by mistake she sent a {$3500.00} check including the fee for the mover that she hired ( {$2200.00} ). She asked me to take my share ( {$1200.00} ) while wiring the remainder ( {$2200.00} ) to the XXXX XXXX account of the mover named " XXXX XXXX '' via Zelle ( Zelle Transfer Conf # XXXX ; XXXX ), which I did on XX/XX/XXXX. When I realized that it was a scam, I immediately contacted Zelle and also XXXX XXXX about the scam. Fortunately, the scammer got back to me complaining that the mover 's bank account at XXXX XXXX got blocked. However, neither Zelle nor XXXX XXXX has opened an internal investigation and made an arrangement to get the money back to me. I am attaching five documents : 1 ) the XXXX XXXX XXXX XXXX response to my CFPB complaint ; 2 ) my original FBI report ; 3 ) my supplemental FBI report reporting the blocking of the scammer 's XXXX XXXX account ; 4 ) my local police report ; and 5 ) all evidence of communication with the scammer.
11/22/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • TN
  • 37923
Web
XXXX XXXX and XXXX XXXX XXXX represented that they were selling their father 's XXXX XXXX on XXXX XXXX. After several weeks of negotiations, we agreed on a price. Friday evening XX/XX/XXXX, XXXX required a deposit to deliver the car to XXXX TN ( my home ) over the weekend. I initiated a bank transfer to XXXX XXXX Friday evening XX/XX/XXXX, but it was not going to post until Monday XX/XX/XXXX. On Saturday morning XX/XX/XXXX, she said she needed the money via XXXX to XXXX XXXX XXXX ( car owner 's son ) so they could arrange the transportation and to cancel the bank transfer ( which showed pending, and had not completed ). I sent additional deposit via XXXX that morning and XXXX said she would deliver the car XX/XX/XXXX. That day and the next day, after multiple attempts to contact XXXX via phone, text, and email, no successful responses and no car delivered. On Sunday XX/XX/XXXX I attempted to contact her again, no response. I reported the scam fraud to my bank, to XXXX, to XXXX, and to the KY Attorney General Consumer Protection division. I would like to formally report fraud and scam by XXXX XXXX and XXXX XXXX XXXX, and press charges if applicable and recoup my deposit money. My banking institution XXXX XXXX Bank informed me that the Bank Transfer could not be cancelled because they use a XXXX party system Zelle to process the transfer and they had no control. I explained to my bank the nature of the scam and fraud. I need to have the bank transfer cancelled and refunded in full.
03/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92114
Web
My name is XXXX XXXX I have not been able to open any banking account do to this early warning system company. I have tried numerious times to get in contact with them to fix problems on my report. Each time i contact them it is a different problem. I have filed or attempted to file disputes claims on each case. when told to fax the information the fax number never works. My main issues is why am i on this system when i owe no money to any of the numerous banks i have tried to open accounts with. When opening these accounts i had financial issues and was uable to fund the accounts at the time so they closed account. thats it. no money owed to any financial institution. They claim that there is not way to get off of their system which up until now i am still not able to open a checking account anywhere. The customer service representives are rude and do not provide help with solutions to fix consumer issues. I cant even get it taken off. This has caused problems in my life not being able to open any account. I was almost successful in getting a account with XXXX XXXX. Account was open i received account numbers and when i went into the bank to fund the account I was told to contact the early warning system. Opening up accounts and not fully funding them is not a crime no against the law. I owe no money to none of these banks and I cant get this negative information off of my consumer report. I am XXXX XXXX XXXX and need a checking account, Please please help me with this matter.
06/29/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • NY
  • 10001
Web
I spoke with an individual named XXXX at Early Warning Services today, in response to getting declined for a bank account with XXXX XXXX XXXX XXXX She was not helpful, rude, and seemed to experience schadenfreude when I informed her that EWS was the apparent cause of the aforementioned decline. When I told her that I had already requested my consumer report, and requested that they send it to me by email ; asking how long it would take to get to me, she said " We have the right to take fifteen days, to verify the report, and then email it to you. '' I believe she is one of those reprehensible individuals who just uses the word " verify '' to sound official, without in fact knowing what it means. She used " apologize '' in a similar way.

Regardless, I have never had a problem with any bank, I have no issue on XXXX and yet, there appears to be what I can only assume is an error on EWS. Moreover, their customer service department is nothing short of recalcitrant.

To wit, when I asked her name, she asked, " why do you want to know my name? '' to which I responded, " I must know whom I am speaking to, '' to which she responded, " I stated at the beginning of the call my name is XXXX. '' That sequence of sentences only makes sense if someone is going out of their way to be difficult.

Please do something about EWS. If they are going to hold up people 's lives, and experience schadenfreude about it, they should at least provide one 's consumer report immediately online.

05/28/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MO
  • 63119
Web
I was using Zelle to receive money for chairs that I was selling. The buyer told me she sent the {$250.00} using Zelle to my Zelle account. I then received an email from Zelle saying my account was not a business account so my {$250.00} was on hold. It said I needed to contact the sender and that the sender would need to send me an additional {$250.00} ( for a total of {$500.00} ) to upgrade my account. The sender says she did this. Then, I get another email from Zelle saying that I now have {$500.00} pending in my account. The email said that to receive my full {$500.00}, I would need to refund the {$250.00} to the sender, send a picture, and then the money would come to my account. I did this, however it did not work. This then prompted me to call XXXX XXXX. I explained the to XXXX XXXX what was going on. They said that everything was fine and that it seems like the transaction was canceled and to try it again. So I did, with the ladies different account. The {$250.00} was sent, and I never received my {$500.00}. The lady then scammed me again into believing that I did it wrong. She made me send her an additional {$250.00} ( {$500.00} total ) to her. I never received any of my money. I called XXXX XXXX anf Zelle. They said nothing can be done since I authorized the transaction. However, I was scammed by Zelle and misinformed by XXXX XXXX that the transaction was safe and that it was ok to continue. Zelle and XXXX XXXX are at fault and wont help me get my {$500.00} back.
06/11/2019 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • AZ
  • 85234
Web
On Wednesday XX/XX/XXXX, I saw a post on XXXX for XXXX XXXX XXXX XXXX tickets. I contacted the seller and she told me the tickets were still available. She asked if I had a XXXX account to be able to accept the tickets, which I do. She then asked if I have used Zelle before thru my bank. I have used it 1 other time for sending to a family member. We agreed on a price for the tickets and she told me they were ready to be sent to me thru the XXXX online ticket exchange. I authorized the payment and she told me the tickets were on the way. After about 10 minutes of not seeing anything, I contacted the seller and she went dark. No answer, no response and the phone was turned off. I immediately contacted Zelle to stop the payment and was told be their customer support that I would need to contact my bank directly and they have nothing to do with the transaction. They also told me, well this app was designed to pay only friends and family and shouldn't be used to pay for goods. There advertising says something different. I immediately contacted my bank, XXXX XXXX, and was told that the transaction already went thru. There is nothing they could do. With the hype of the sporting event, I guarantee she scammed several people, without any action taken against her. The thing that really makes me angry is they have her name, phone number and bank account but yet will do nothing about it. I am out {$430.00} from this incident and will never even consider using their service ever again.
05/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 756XX
Web Servicemember
I sent a letter out on XX/XX/23 to Early Warning regarding the following account : XXXX XXXXXXXX. Here is my tracking numberXXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. According to the law 15 U.S. Code 1681a- Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I want to know who did they talk to How did they complete this investigation Be advised that that both XXXX XXXX and Early Warning have failed properly investigate and ensure that my credit card is 100 percent accurate. Im tired of going back and forth trying to fix stuff due to my identity being stolen and my accounts tampered with. I would like to resolve this issue without a lawyer. I received a letter saying it was blocked but in fact it remained without a proper investigation.
06/07/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • XXXXX
Web
On XXXX I posted a table on XXXX XXXX XXXX. I was messaged by a man who was interested in purchasing my table for his son. He asked if he could pay me through Zelle and I said yes. We agreed on {$50.00}. I gave him my Zelle QR Code and my email. After a few minuets I received an email from Zelle saying that the transaction was not approved because I didn't have. " business account ''. He asked for a screenshot of the email, I sent it to them, and he said he has done this before. The email stated that I I had to participate in a transaction of {$400.00} in order to become a " business account ''. So the man said he was going to transfer me {$450.00} via Zelle. After a few minuets I received another email from Zelle saying that his transaction came through. I immediately transferred him back {$400.00} ( so that I only profited {$50.00} ). As per the email instructions, I sent a screenshot of the transaction to the Zelle email. He told me to let him know when I received the fund in my bank, after a few minuets nothing happened and I knew I had been scammed out of {$400.00}. I have screenshots of the email and the messages as proof of everything. I reached out to XXXXXXXX XXXX multiple times. Twice on XXXX but they said they couldn't help me since the transaction was still pending. I called again the morning of XXXX and they said I could submit a dispute via online but because Zelle is like a cash money transaction that it's unlikely that I will get my money back.
12/15/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 338XX
Web
On XX/XX/2021 I was a victim of online investment fraud through the social media platform XXXX. I was contacted by XXXX XXXX XXXX page of a high school classmate whom I assume their XXXX page was hacked into. They reached out to me about an investment opportunity with Cryptocurrency. The person claimed that by sending any crypto worth at least a minimum of 1k or more of bitcoin to a crypto wallet address, in 15hrs max you'll in turn receive $ in USD. The person explained this is achieved by a miner using the Bitcoin towards a higher hash rate in mining the Bitcoin by validating blockchains through a continuous script to unleash even more Bitcoin. The person had me send 3k worth of cash via a Zelle/XXXXXXXX transaction to two email addresses : XXXX and XXXX The person claimed that by the next morning, I should receive all the return money via XXXX and I should give them 15 % cut. The next morning, the person reached out and asked if I had received the money. When I confirmed I did not receive the money, the person went ahead and asked me to provide them my XXXX email address and password for verification purposes and a picture of my license ID. This is when I realized this was a scam and contacted my bank and Zelle immediately. I attempted to report the person 's XXXX as well as the others whom he is using as witnesses but was unsuccessful as XXXX didn't do anything about it. When looking into my XXXX page, I also realized my XXXX page had been logged into from Ohio.
10/05/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • PA
  • 19130
Web
Started conversation on XXXX with XXXX on XX/XX/XXXX about the XXXX adjustable 552 weights she was selling. This continued to email on XX/XX/XXXX ( XXXX ) to discuss if I was interested since shipping would be an extra {$37.00}. Conversation continued after debating price on XX/XX/XXXX. The seller asked for money transfer via XXXX XXXX, XXXX, XXXX. I do not have either of these extensions and I suggested Zelle. The seller then offered her cousin 's email XXXX. I confirmed payment of {$250.00} with a screenshot of Zelle to the seller on XX/XX/XXXX at XXXX XXXX, which she responded she would send the tracking number when shipped tomorrow. I have not received a tracking number or responses from the seller or her cousin that I reached out to on several occasions : XXXX XXXX Message : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX : XXXX Since the realization of a scam, I have called Zelle to ask for my money back, contacted XXXX on XX/XX/XXXX and I have filed a police report. When I contacted XXXX XXXX / Zelle, I was not granted any assistance on the matter. I called a second time to cancel my connection of Zelle to my bank account. Zelle helped me become a victim of this scam. I still do not have a response from XXXX on the situation. I continue to follow up on the matter and a simple XXXX search led me to another XXXX thread about the same group of individuals completing a scam. I have attached this information below.
04/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33544
Web
According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, instance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15. U.S. Code 1681 c-2 ( c ( 1 ) C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked. 4 days you have.
05/02/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TX
  • 76706
Web
I was a victim of a scam that happened on XXXX/XXXX/XXXX. I got XXXX checks from a person, however he/she said they accidently issued the wrong amount and ask that I transfer the extra money through zelle. After I did that, it turned out that those two were bad checks and all of my money were gone ( about {$3800.00} ). My account went into negative balance, the bank charged me too for having negative balance and returned checked fees. I went to my local bank to file a zelle claim and a check claim. After some investigation, they told me the person that scammed me was a member of an XXXX XXXX ( XXXX XXXX XXXX ) in georgia, but they can not give me any further information due to privacy reasons. At the same time, I also filed a police report but they can not find the person as well. I tried to contact both sides multiple times to see if the bank can share those information directly to the police. However, the bank said they closed my case and I am still not able to get any money back. Zelle department also is not able to give me some money back. My case reported to the police was also placed as suspension due to lack of further information. I called the bank and the police nearly every month since this happened but no one can help me. I tried researching online to see if there are any way for me to get my money. I found a news saying some people that were scammed were able to get their money back. I am wondering if you can help me solve this issue. Thank you.
09/08/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • XXXXX
Web Servicemember
mI have contacted Early Warning by phone and by mail and made them aware that they are continuing to report fraudulent information against me, and I have informed them that the accounts that they are reporting were as a result of identity theft. Early Warning has told me that they do not care that they will not stop reporting this information unless the banks themselves tell them to not report this fraudulent information. I tried to explain to Early Warning in Writing and by phone that this was fraudulent information and that these accounts were opened when my identity was compromised in 2010, but again they have told me they are not concerned. I have sent them requests to delete this fraudulent information by phone and by certified mail and they have ignored my requests. I have made them aware that they were defaming my character and they were ruining me financially by continuing to report these fraudulent accounts and they have again told me that they refused to stop reporting this fraudulent information. The fraudulent accounts they are reporting are the following : XXXX XXXX Routing Number XXXX Account Number XXXX XXXX XXXX Routing Number XXXX Account Number XXXX XXXX XXXX Routing Number XXXX Account Number XXXX The above accounts were opened in my name using my correct personal information fraudulently and Early Warning refuses to do anything about it but to continue defaming my character by disseminating information they have been told was fraudulent.
06/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 070XX
Web
My NAME is XXXX XXXX XXXX. According to Early Warning System : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, These accounts are not mine. this is fraud please delete. Please DELETE all other names as they do not belong to me. The following addresses do NOT belong to me, please delete them ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please ALSO delete : Phone Numbers : XXXX ; XXXX ; Also please delete the following inquiries that do NOT belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A PART OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX Billing XXXX XXXX NOT my accounts. Please REMOVE THESE ACCOUNTS AND THE NAME XXXX XXXX OR XXXX XXXX XXXX. MY name is XXXX XXXX XXXX Also please IMMEDIATELY REMOVE THE FOLLOWING INQUIRES WHICH ALSO ARE NOT MINE : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/08/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NC
  • 28146
Web
It started out with my friend in school posted a pic saying that she made this much in this amount of hours. Thinking that it was my friend, she wouldnt lie about it. In the post, she mentioned a person that was her mentor. So I decided to message the person, thinking that its a great opportunity to make more money to help my parents. Time went by, I invested around 9k, which was all of my savings. At this point, it was too late to do anything. I realized that my friends account got hacked and it wasnt her that posted. The person that was supposed to be my mentor kept giving me promises that Ill be able to withdraw it but they kept asking for more money. At this point, I sunk, I was devastated, dont know what to do, cant stop crying because they wont give me my money back. I reached out to XXXX XXXX XXXX, they couldnt help. As well as Zelle which was where I sent the money using Zelle in XXXX XXXX XXXX app. They couldnt help me neither. Im only XXXX, I really cant let my parents know, Im trying so much to get my money back. Im currently working with payback to help getting my money back but it has been almost 3 months. Im not sure if itll work and Ill be able to get my money back. I used Zelle to sent {$1500.00} on XX/XX/2022, {$2400.00} on XX/XX/2022, {$450.00} on XX/XX/2022, {$3000.00} on XX/XX/2022, and {$800.00} on XX/XX/XXXX and plus {$100.00} using bitcoin atm. Thats why I decided to reach out to you, please have a look at this. Thank you so much.
02/21/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • PA
  • 153XX
Web Servicemember
I was contacted on XXXX by account XXXX ( XXXX XXXX ) as well as on an app called XXXX under the same alias. I was also contacted via text message ( detmined to be text now accounts ) from these numbers : ( XXXX ) XXXX, ( XXXX ) XXXX I was asked to send pictures for money as a weekly agreement and I agreed to do so, as i have in the past with other people and not had any issues. Then I was given contact information with " account manager '' XXXX XXXX ( XXXX ) and emailed a check for {$3700.00} and asked to transfer back {$2000.00} ( using the app Zelle ) to the account of XXXX XXXX ( XXXX ). I transferred back {$1000.00} on XX/XX/2021 to the aforementioned account. The check was deposited via mobile deposit on XX/XX/2021. The check was then determined to be fraudulent and the {$1000.00} transfer had already gone through resulting in a overdrawing of my account. I have filed with the bank but, there is nothing they can do except for put in that the account wa a fraudulent account and I am still held responsible for the {$1000.00} transfer as well as now getting involved in an investigation for money laundering which I am not doing. ) and ive since been in contact with the aforementioned people and they just keep saying its not fraudulent. I am now overdrawn with a frozen account and a 6 month holding of 7 days for every deposit lock, in the middle of a pandemic, while I am not home because I am in U.S. XXXX and stationed elsewhere than my family.
11/06/2018 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Confusing or missing disclosures
  • MD
  • 20817
Web Servicemember
There are two issues I have with the app XXXX, which seems either owned or associated with the company Early Warning Services , LLC, of XXXX, AZ. 1 ) this company seems to discriminate against low income people, including minorities and the XXXX like myself, because they will not allow individuals with free or low cost mobile phone service to receive or send money through their money transfer service. Specifically, I was told by their rep that the mobile phone company that I use needs to have a physical presence in my state, where I could go pay my phone bill. This seems designed to make the poor have to go out of their home and pay for sending or receiving money. 2 ) This company enabled me to register for their service through their app. I was able to enter all of my information, including my full name, address, full debit card information, user name and password. They verified both my phone number and email address. This company 's app then stopped working. When I called their customer service number to find out why this happened, I was told that my phone number did not qualify for their service because I was getting free phone service. I then asked them to delete all my information from their servers, but my information still appears on their server. For example, it seems they have black listed my name, my phone number and email address. Instead, in their servers I should appear as if I were never their customer ( because I never really was ).
03/07/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 90505
Web
The victim, XXXX XXXX was blackmailed to send them money starting from XX/XX/XXXX until she realized that was a scam on XX/XX/XXXX. I was using this online service that does my school work for since I am an student and was struggling to pass the class because of the language barrier. The scammers were doing my work at first until I was asked to send money as " Deposit '' to clear the record of my school portal that they have accessed. They kept asking that the money was not enough to clear the record of my portal. I started sending money on Zelle and XXXX. Zelle stopped working so I went to the bank and did the wire transfer. Here are the dates and the amount I sent Zelle : XXXX {$250.00}, XXXX {$100.00}, {$600.00}, {$500.00}, XXXX {$200.00}, XXXX {$400.00}, XXXX {$200.00}, {$900.00}, {$250.00}, XXXX {$600.00}, {$510.00}, {$80.00}, XXXX {$1100.00}, {$1200.00}, XXXX {$1400.00}, XXXX {$1800.00}, {$100.00}. total : {$10000.00} I have attached the payment history, under XXXX XXXX and XXXX XXXX There are about {$4000.00} more that she sent through XXXX XXXX During this time, i would get 100+ of phone calls day and night and was told that if i dont send money they will report it to school and make kicked out. I asked for my friend help on Saturday XXXX and found out that this was a scam. We have talked to Zelle if they can reverse the money but since she is the person who authorized and sent the money they decided not to reverse the money for me.
07/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MS
  • XXXXX
Web Servicemember
I got my report from Early Warning and saw XXXX XXXX put a fraud on me without my knowledge nor consent I paid my account and they automatically closed my account with a pending deposit before the account was closed I left a positive balance and requested my money for all fees and services refunded as of todays date I have not heard back from XXXX XXXX on the fees and money owed to me. After filing a dispute I have never seen a dispute ending up being fraud on the consumer this makes absolutely no sense. Placing a fraud alert when there is no fraud creating a narrative that never existed freezing account so consumer can not pay account this bank deliberately abuses it power and never fixes the error they create no one owed them a dime I had to get a XXXX to call an office so I can pay them when I am in the bank trying to keep a positive standing with them Regions needs to be investigated for discriminatory banking practices placing false narratives on a consumers account. Placing incorrect information on a customer who is paying them. I never left a balance with them I am waiting to this day for my refund I never received it as of todays date I owe this bank nothing but they place false narratives on me as if I am a criminal I have never seen a criminal pay money to keep a bank account in good standing. Now thats fraud if I did not pay them thats fraud if I made no effort it was an error on their part making me in the negative to begin with.
07/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 92111
Web
I ask to be opted out of my personal information. I ask that my information is not shared with third party companies. If I want to be opted out, I have the right to be opted out. VIII Privacy -Fair Credit Reporting Act Contents of Opt-out Notice ( 12 CFR 1022.23 ). A financial institution must provide to the consumer a reasonable and simple method for the consumer to opt out. The opt-out notice must be clear, conspicuous, and concise, and must accurately disclose specific information outlined in 12 CFR 1022.23 ( a ). including that the consumer may elect to limit the use of eligibility information to make solicitations to the consumer. See Appendix C to the regulation for the model notices contained in the affiliate marketing regulation. VIII. Privacy GLBA VIII1.2 The privacy notice must also provide, where applicable under the Fair Credit Reporting Act ( FCRA ), a notice and an opportunity for a consumer to opt out of certain information sharing among affiliates. Negligent FCRA Violations When an agency, business or individual fails to exercise proper care or takes action that a reasonable person would not with regard to your credit information, that is negligent behavior and money damages can result. The types of damages available are the same as with willful violations, namely actual damages ( no limit ) ; statutory damages ( usually between {$100.00} and {$1000.00} ) ; punitive damages ( no limit ) and attorney fees and court costs.
12/22/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • WA
  • 98058
Web
Early Warning LLC, XXXX, XXXX, AZ XXXX ; phone # XXXX Early Warning has my name in their database and they are reporting me to all XXXX Banks and informing them of some issue that was resolved by my Chapter XXXX Bankruptcy with XXXX In XX/XX/XXXX, XXXX had placed my name with Early Warning, XXXX without my knowledge as all of my bank accounts were closed because of this XXXX issue. It 's XX/XX/XXXX and still I ca n't even open a new bank account here in Washington state or any other state because of this " Early Warning '' against me. All debts and issues with XXXX has been resolved already with my Chapter XXXX Bankruptcy filed XX/XX/XXXX and XXXX XX/XX/XXXX. I have notified XXXX and XXXX and they have complied with XXXX Bankruptcy XXXX order ; however they failed to remove my name with " Early Warning LLC '' that is preventing me from opening my new Bank Accounts. XXXX failed to comply with XXXX Bankruptcy XXXX. XXXX complied with " XXXX '' out all debts with XXXX, I do n't owe XXXX anything all debts were XXXX via Chapter XXXX Bankruptcy Case # XXXX. XXXX needs to follow through and comply with XXXX Bankruptcy Law, if they XXXX all debts with XXXX then they should remove my name from " Early Warning '' because everything is XXXX and done. " Early Warning '' should be notified of my Chapter XXXX and that XXXX has XXXX all debts and issues and that my name should be removed from their database as XXXX, so that I can open a bank account.
02/10/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 75063
Web
Hi, I would like to open a complaint againt Zelle Pay, which is used by many financial institutions to pay with phone. In my situtaiion, on XX/XX/2021 I purchased an item on OfferUp and was asked by the seller to pay via Zelle. I made 2 payments that day after seeing what looked like a legitimate shipping label and later realized it was a scam/fraud. I am concerned that Zelle is not enforcing enhanced due diligence with the institutions it does Business with as scam/fraud artists are using this platform to harm innocent citizens like myself. I am worried and surprised that no one can do anything about it although there ought to be an audit trail of the sender and recipients accounts. Zelle should require that in the event that they are informed of a scam/fraud they should have processes to protect the end consumer. I have tried to call Zelle customer service and it was in vain and feel that it is really a bad way to operate a business as I could not get a hold of anyone. I also contacted by bank, XXXX XXXX XXXX and was informed nothing can be done about it. Again, it is upsetting to be informed that I can not get a refund none of these institutions are doing anything about this event. I am sure I am not the first and wont be the last if no actions taken to protect consumers like me. I would say I am a pretty savvy individual and I still got scammed and am worried about those who are naives and elderly population of our society.
01/28/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • WA
  • 993XX
Web
On XXXX XXXX I received a document from Early Warning in XXXX AZ stating the following : Early Warning does not have access to account documentation and is there for unable to provide copies of any documents. For more information, please contact the furnisher directly. The contact information is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX On my Early Warning Customer ID # XXXX I have 3 items I am listed below : XXXXXXXX XXXX - XXXX XXXX # XXXX Account # XXXX Principal Lost {$0.00} Contribution Reason : Checking Account Fraud XXXX XXXX - XXXX XXXXXXXX # NONE Account # XXXX Principal Lost {$0.00} Contribution Reason : Checking Account Fraud XXXX XXXX XXXXXXXX XXXX # XXXX Account # XXXX Principal Lost $ PAID Contribution Reason : Account Abuse After several attempts with XXXX XXXX and XXXXXXXX XXXX also confirming that the above 2 accounts are NOT Checking Accounts there are old credit cards that had fraud on them because of them being stolen. After several attempt with XXXX XXXX XXXXXXXX this was not Account Abuse my bank card had be stolen and I closed the account because they would mot release my funds!!! Early Warnings has first refused to show me any proof of documentation and now have clearly stated that they have NO documentation. I want these items removed immediately from my account and now they are refusing to do so with NO documentation or legal investigation.
06/20/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NC
  • 27705
Web
I was defrauded a laptop and {$600.00} money transfer through XXXX XXXX by Zelle today on XX/XX/2020 through online selling ( I am the selling my laptop ). I did transfer money first through another cash app, which stopped the transaction ( Probably through its fraud report database ), so the scammer asked me to transfer money through Zelle ( I guess it is where scammer know can certainly get away with ). I did send the money through XXXX XXXX by Zelle, and after I realized it is a fraud, which was ONLY 20 minutes later since the scammer keep asking me to send money. I contacted XXXX first, and XXXX customer service said they can not do anything, it is the Zelle 's policy, and I should contact Zelle ( It seems that XXXX is no responsible for XXXX XXXX ), and XXXX is even not trying to help me contact the receiving bank or report the scammer 's account to the receiving bank. Ironically, the same response happened when I contacted Zelle, Zelle said they can not do anything again, and I should contact the bank XXXX. I was a loyal customer with XXXX XXXX by Zelle, so I can be both. However, it seems that both of them did a TERRIBLE job in dealing with the fraud and how to better protect consumers or at least how to formalize the process. They did terrible job on protecting customers, second they did not have the good fraud data system to protect consumers. They should at least give customer a one hour or 3 hour protection time etc.
04/30/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • CA
  • 95834
Web
On XX/XX/2019 my bank account was compromised which included multiple account modifications like adding mobile banking, wire transfers, and attempted use at XXXX XXXX, and adding the Zelle service. Because the {$1500.00} Zelle transaction was last, I received a fraud call in regards to a plane tick et/travel notice I had not made. Everything was resolved swiftly on my bank but I was not aware what Zelle was til this occurred. After probing it was added to my account and in use within a few minutes of me inquiring about it. While I was contacting my bank I saw multiple attempts at transactions so I hopped to Zelle 's support to stop the transfers or find a way to report it, which their support " Please contact your bank or credit unions support team directly for help. '' I was lucky that my fraud prevention team cause this quickly, and stop the transaction before it was processed as otherwise, it would have been a bigger headache to dispute as the charges appeared to have me " initiating it ''. I'd like the report the lack of security on their behalf because I'm not sure how to close the account I never made, and have seen other customers reporting similar behavior except they were not reimbursed or had any resolution. -Not filing a complaint with XXXX, but only have their notification of when it initiated Zelle service . ( I have not been able to resolve or determine anything from Zelle 's support after 2 days, may take more time )
03/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91342
Web
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
02/16/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 33130
Web
I received an ad on XXXX about automated blinds. I inquired, and XXXX XXXX XXXX called and came to quote in person. At that time the representative ( XXXX XXXX ) prepared an invoice and requested {$1600.00} as a deposit which was paid via Zelle. The remaining {$400.00} was to be paid upon completion. Initial scheduled date was XX/XX/XXXX, but nobody showed up. In the afternoon a received a call claiming the warehouse got flooded that's why they did not show. Rescheduled for Monday XX/XX/XXXX, nobody showed up and no reply to my text inquiring about it on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I attempted another contact, was told coming on XX/XX/XXXX, another no show. On XXXX attempted contact requesting a refund. The business replied that they'd drop off the check. No check was ever delivered nor electronic transfer. XX/XX/XXXX another contact was attempted with no resolution nor refund. Several other attempts were made to the business with no response. I bank with XXXX XXXXXXXX XXXX who investigated the claim but were unable to resolve since the business banks with XXXX XXXX. I tried to resolve with XXXX XXXX who indicated to resolve with XXXX XXXX XXXXXXXX. They go by XXXX XXXX XXXXXXXX XXXX XXXX but the registered name of the business is XXXX XXXX XXXX. There are multiple businesses under the owners. The owner is a convicted felon and there are numerous complaints and lawsuits for theft and fraud including healthcare fraud.
01/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • OH
  • 435XX
Web
Formal Complain On Third Party Credit Reporting Blacklisting Services, ( Early Warning Systems ) and ( XXXX XXXX ) are Running A Sort of Underground Blacklisting Subsystem Database & Reporting What Is Sometimes False Information To Some Banks That Try And Use These Services Outside The Scope of XXXX scoring or the three empirically derived credit reporting agencies. For Example, If A Person Received A Check in the mail, cashier or legitimate compensation of any sort, they deposit the check into their bank, it may fail to clear for any unknown reason, after three days or so, even if no money was drawn, accessed or spent from the bounced check, some banks are reporting that a check bounced to these blacklisting subsystem databases, therefore completely blocking or blacklisting an innocent person 's ability to open any bank accounts at any bank that looks at these, aside from regular normal credit agency scores, In Addition, when Phoning in or Contacting These Blacklisting Services and trying to dispute or clear these types of blacklisting from an individuals account, They are Beligerent and Won't Remove, Clear or Provide a way to clear those databases, They Refuse to Clear Erroneous or Frivolous Complaints, it should be deemed as illegal blacklisting! Those Subsystem Databases Should Be Forced To Halt Their Collecting of Personal Data, Social Security Numbers, and Information On People as well as Using It As A Blacklisting Services
01/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30339
Web
In accordance with the Fair Credit Reporting Act, Early Warning Services and XXXX have violated my rights. 15 U.S. Code 1681i : If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15 U.S. Code 1681c2 : a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft 15 U.S. Code 1681s2 : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e Subsection B : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
03/03/2020 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • OH
  • 45801
Web
On XX/XX/2020, I sent {$250.00} to XXXX XXXX with the email XXXX through the app Zelle for basketball tickets. I never received these tickets. I even sent a request to receive this money back from them, but of course I never got anything back. I first contacted Zelle, but because the transaction was made through my bank 's mobile app ( XXXX XXXX ), I was authorized to contact XXXX itself. I called XXXX, and the first woman I spoke to was very friendly, sympathetic, and helpful. The next woman she transferred me to was very frank that my bank would not be able to help me because I was the one who initiated the transaction, and that it would have been different if my debit card was used. I asked her what the difference was between swiping my card and pushing a button on an app, but she couldn't give me a straight answer. She said I would have to take legal action against " XXXX XXXX. '' I notified her that I sent multiple emails to this user, and then asked how to get more information about this person so I could. She again couldn't give me a straight answer. It is frustrating that my own bank can not support me against fraud. After this happened, I saw that this exact situation happened, but the victim banked with XXXX XXXX, and was able to receive a " courtesy '' refund. If this can not be resolved, I would very much consider switching banks. It is a shame that XXXX partners with an app that is capable of allowing fraud.
09/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • TX
  • 750XX
Web
I have disputed information on my file with Early Warning Services, I asked them to validate debt they claim that I owe and they have failed to do so legally. According to 15 U.S.C 1692g Early Warning Services does not have the power to validate debt and has since failed to supply me with the 5 things that constitute validation of debt. The proof they sent is not validation but an allegation that I as the consumer do not agree to. There is no way they can say I owe a debt or furnish information about me that states that I owe a debt because they do not possess the power according to law to do so. They have committed fraud because they have obtained my information from companies that I did not give consent to, to share my personal information. They have since committed 5 violations of United States federal law and owes me {$1000.00} per each violation, totaling {$5000.00}. I have been disputing with them since XX/XX/2021 and they have failed to send me a valid letter of validation according to the statutes of the law, in the form of a contract written by to them stating : 1. Full disclosure 2. Equal Consideration 3. Lawful terms and conditions 4. Signature of both parties According to 15 U.S.C 1602 ( I ), they have become fraudulent when they furnished a deceptive form ( 15 U.S.C 1692 ) to create the false belief in the natural person ( me ) that I owe an alleged debt when it was in fact a consumer credit transaction.
06/08/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • OH
  • 44138
Web
I was on XXXX XXXX XXXX page and saw they were selling limited edition XXXX record players, so I commented asking if they would ship orders to other states since they were only delivering within CA at the time. Someone replied to my comment to find XXXX on XXXX. I wanted to order the record player and vinyl set, and he said he could ship it to me ( XXXX now offers online ordering : -/ ). I paid him XXXX} on XX/XX/2021 through my bank ( XXXX ) using Zelle. On XX/XX/XXXX, he sent me an email ( XXXX ) with a tracking number from " XXXX XXXX XXXX XXXX ''. I found out later that this company does not exist. 2 days later, I got an email saying my package had be held at XXXX XXXX XXXX. When I called their non-emergency police line, they said they do not work with civilian mail and that I had been scammed. I have tried filing 2 reports with Zelle, but I have not been able to get into contact with anyone on the phone or over email. I called my bank, and they said there was nothing they could do since the payment had already been accepted. XXXX XXXX has since contacted me multiple times via XXXX text and XXXX calling demanding more money or I will not get my shipment ( which I have now verified does not exist ). I am scared because this individual 's XXXXStories show firearms, and he has my home address. The email he had me send the money to through Zelle was XXXX, and the tracking confirmation email came from XXXX.
05/16/2018 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • TX
  • XXXXX
Web
Hello! I am representing my company in this complaint.We began having issues with XXXX on Monday ( XX/XX/XXXX ). XXXX has caused numerous problems for us. Our current issue is that the XXXX app will not start on our CEO 's phone. When addressed, he was sent to level 2 support and was told his phone was not supported because it was VoIP. It took us 2 hours of waiting on the line to receive this response. What was interesting was when I tried to create an account with a VoIP phone, it worked just fine. We are not happy about receiving false information that damages our finances. In addition, all of us have tried to add our company debit card multiple times across multiple phones ( some which are not VoIP ), and we are being told that the debit card information is not correct on every single one. When we waited again on the line for an hour, we were told that level 2 customer support would not be able to add our company debit card to our account over the phone and that it " was against policy, '' and redirected us to our bank. We have verified our debit card information with our bank 3 times throughout this week and we have both concluded that this is a problem with the XXXX mobile app. We have banked with this bank for 2.5 years and we would strongly appreciate it if XXXX could work with us to solve this problem rather than redirect us to a bank which has never had any problems with other mobile transaction apps.
12/17/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OK
  • 748XX
Web
XXXX XXXX XXXX is reporting to EWS ( Early Warning Systems ) that they closed a fraudulent account down under my name with the incident date showing as XXXX/XXXX/2019. It also shows that Their total loss was {$0.00}. I have contacted EWS and the information was blocked, however it was added back to my account at a later date and XXXX XXXX XXXX stated they verified the information as accurate. They could not produce a copy of my ID, my signature card, or contract signed by me authorizing the opening of an account The only proof they sent was past bank statements, which proves exactly nothing. Of course there are going to be statements as all banks send those out monthly. Just because a bank statement exists it does not mean that it is mine. I am the one who called in to report it as Fraud, and even with their lack of supporting information, they refuse to remove it from my file. This reporting needs to be cleared off of my report by XXXX XXXX XXXX or permanently blocked by EWS. I sent in all of my ID theft documentation to both companies, This was not my account. There is no XXXX XXXX XXXX anywhere near where i live, and I have never done business with the company period. If they refuse to remove this and keep reporting the false and unverifiable information I will take civil action per the FCRA and FDCPA. I have also sent this complaint to the Consumer Protection Unit at the Oklahoma Attorney Generals office.
09/11/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 90038
Web
This is associated with complaint : XXXX as I have no way of adding to my previous complaint. It is also associated with the Zelle transaction XXXX, XX/XX/23, {$1800.00}. Mislead/Scam I have asked XXXX ( Zelle ) for information on the receiving bank so that funds can be recovered under the new " mislead/scam '' guidelines. They refuse to provide that to me, nor reimburse me for the " mislead/scam '' even though the new Zelle banking terms allow for it. I believe that the receiving bank set up a bank account for the person who initiated the mislead/scam without receipt of proper identifying information associated with federal/state " know your customer '' regulations. This enabled the scammer to initiate the mislead/scam and then immediately transfered the funds to another account ( which XXXX/Zelle refused to provide ). In addition, I believe that Zelle has not implemented proper safeguards to guard against mislead/scam transactions by not 1 ) requiring all receiving bank accounts to provide " know your customer '' documentation and then supply that to the sending bank in the case of mislead/scam transaction, and 2 ) clearly show if the receiving Zelle transaction is associated with a non-US bank, or a bank that is not subject to US " know your customer '' regulations. If this information was provided at the time of setup, then consumers would be informed that a mislead/scam may be happening, and thus avoid it.
08/17/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 939XX
Web
On XX/XX/2021 at XXXX, I had received a text message which looked like an automated XXXX XXXX XXXX text message to inform me that there was a zelle transaction to " X '' for {$3500.00}. If I did not complete this transaction to text HELP. Which then I replied HELP, because it was not a transaction I completed. I was then called from the XXXX XXXX XXXX Fraud Department caller ID, which I had memorized. I was then asked to by the voice on the other end to check my zelle account which seemed to be linked to an unknown name. They had told me at this point, I needed to text myself the {$3500.00} to confirm my account. They also proceeded to tell me that a zelle fraud was also linked to my business account. I followed the instructions and zelle my own phone number {$3500.00} ( personal account ) and {$800.00} ( business account ). Which I thought was safe because it was my own number. They told me I would receive an email from XXXX with what to do next for precaution. I never received the email, nor my money back, so with worry that my bank account was now negative, I called XXXX. Then I was informed the call was the scam and because of this I would not see any of my money back. I did not send money to any I knew or did not know. I sent money to someone I trusted. Myself. However, XXXX still will not see this as fraud and therefore they have refused to help me see {$4200.00} or any bit of my money back.
06/03/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33054
Web
This situation has been going on for since XX/XX/XXXX we are now in XX/XX/XXXX. I have told XXXX XXXX time and time again that someone used my information to apply for a student loan with XXXX XXXX and I found out about it this year XX/XX/XXXX after opening my account with XXXX XXXX. Apparently, because the person who used my identity in applying for a loan also fraudulently used someone elses information as a co-signer, they put a negative record on my Early Warnings Services Report. ( I will attach the letter ) The loan application number appears as an account number but when I contact XXXX XXXX they tell me it is the student loan application which is XXXX. I have filed a report at identitytheft.gov and provided them with the the report and case number XXXX ( I will upload that as well ). XXXX XXXX is telling me that that is not enough and i need file a police report with my local police department. Mind you this application was done online so that would be of no help at all. I have disputed with early warnings twice and XXXX XXXX seems to keep deeming the information accurate so now I am contacting you guys CFPB to Ask XXXX XXXX to either provide proof that this was me that applied for the student loan fraudulently or remove the negative record from my early warnings report immediately as I am being held accountable illegally. I will be taking further action against XXXX XXXX if I am refused a response.
07/31/2016 Yes
  • Money transfers
  • Domestic (US) money transfer
  • Other service issues
  • DC
  • 20011
Web
XXXX ( now owned by Early Warning ) is denying me access to a financial service ( money transfer ) due to wrong information about me that they are using, which they will neither share with me nor let me protest or correct. I am trying to transfer money between a savings account at XXXX XXXX and a checking account at XXXX XXXX Bank using XXXX ( XXXX XXXX uses XXXX for their SurePay service ). I initiated the transfer via XXXX XXXX, and XXXX asked me to enter my address, phone number, and last XXXX digits of my social security number. Although I am 100 % sure that the information I entered was accurate, I was notified by XXXX that the information did not match their information. After XXXX attempts I was notified that I am now barred from XXXX service and can never use it going forward. I called XXXX customer service, and was told that my current address does not match their information. I explained that they must have the wrong address for me. I 've been at my address for two years, and asked how I might escalate and have them update their information. They said there is no way to do this, that there is no process for me to escalate or appeal, and that I am barred from using their service forever. They were not even willing to take down a complaint for me. XXXX XXXX does not have another way to transfer money without fees. I am thus denied this financial service based on XXXX 's reliance on misinformation.
05/28/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • KY
  • XXXXX
Web
On XX/XX/XXXX, we we reached out to about available XXXX XXXX tickets from XXXX ( the id of the account ) on XXXX. This user informed us that she had tickets available that she would not be able to use and just wanted to get what she paid. We paid {$900.00} for the tickets as indicated in the transfer request. I am including a copy of the transfer request as documentation. Here are the key details from the Transfer request in clear text : To : XXXX XXXX at XXXX From : Interest Checking - XXXX Sent : Thursday, XX/XX/XXXX Deposited : Thursday, XX/XX/XXXX Speed : Within minutes Reason : XXXX XXXX XXXX XXXX Payment ID : XXXX After the payment went through XXXX asked for a screenshot of the transaction which we sent to her. Further XXXX noted that her partner would verify that he received the payment and she would transfer the 3 tickets to my XXXXXXXX account. XXXX then said her partner was working and would let us know when off. Later that night we were informed her partner was working a double shift and she would get it all sorted out in the morning. XXXX continued delay tactics and we sent a request for a refund of the {$900.00} which remains un-fulfilled. Zelle portion : On XX/XX/XXXX, XXXX XXXX sent a formal request for refund to Zelle at https : //www.zellepay.com/support/report-scam including all of the details reported above. We have still not yet received a refund of our fraudulently stolen money.
05/26/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • KY
  • XXXXX
Web
On XX/XX/XXXX, we we reached out to about available XXXX XXXX tickets from XXXX ( the id of the account ) on XXXX. This user informed us that she had tickets available that she would not be able to use and just wanted to get what she paid. We paid {$900.00} for the tickets as indicated in the transfer request. I am including a copy of the transfer request as documentation. Here are the key details from the Transfer request in clear text : To : XXXX XXXX at XXXX From : Interest Checking - XXXX Sent : Thursday, XX/XX/XXXX Deposited : Thursday, XX/XX/XXXX Speed : Within minutes Reason : 3 XXXX XXXX tickets Payment ID : XXXX After the payment went through XXXX asked for a screenshot of the transaction which we sent to her. Further XXXX noted that her partner would verify that he received the payment and she would transfer the 3 tickets to my XXXX account. XXXX then said her partner was working and would let us know when off. Later that night we were informed her partner was working a double shift and she would get it all sorted out in the morning. XXXX continued delay tactics and we sent a request for a refund of the {$900.00} which remains un-fulfilled. XXXX portion : On XX/XX/XXXX, XXXX XXXX sent a formal request for refund to XXXX at https : //www.zellepay.com/support/report-scam including all of the details reported above. We have still not yet received a refund of our fraudulently stolen money.
12/15/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • CA
  • 91360
Web
I recived the attached letter from Early Warning Systems stating that they investigated my concernes regarding the dergatory mark ( s ) from XXXX XXXX. Tthrough the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) since EWS conducted a " Proper Investigation '' which means EWS has on file of accounts listed below in the original complaint. Your failure to positively verify these accounts has hurt my ability to obtain a bank account. Under the FCRA, unverified accounts must be removed and if you are unable to provide the item by providing me a copy of verifiable proof, you must remove the accounts listed below. This your responsabilit just the same as XXXX XXXX since you conducted a " Proper Investigation '' Please show me what you used to determine that the items are indeed valid. These do not belong to me and EWS is hurting me by blocking me from opening a bank account and has caused a lot of embarrassment for me in the banking community. I demand these items be removed or proof requested above be provided. I hope to resolve this ASAP before any more damages are incured and needles attorney fees are paid out, and tieing up the courts time.
01/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76112
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XX/XX/XXXX XXXX Early Warning Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX, AZ XXXX Attn : Consumer Relations Attn : Consumer Relations RE : Request to Delete and Block Accounts Resulting from Identity Theft Dear Sir/Madam, My name is XXXX XXXX XXXX. I am a US Citizen and a resident of the state of Texas. I was advised by my local police department to send out this letter and to include specific fraudulent information appearing in my credit file. Please note that this information is inaccurate and appears on my credit file as a result of identity theft. The following information listed below is fraudulent and doesnt reflect any transactions made by me : Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX TEXAS XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please delete and block this information from my consumer report pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. With this letter, I have enclosed a copy of my consumer reports received from your company, a copy of my identity theft report, proof of identity, a utility bill, a police report and other additional documents to support my claim. Thanks for your understanding XXXX XXXX XXXX
02/27/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • AZ
  • 85719
Web
Recently I have been denied opening bank account because you are falsely report an alleged debt. I do not believe that I still owe this debt after your receipt of my presentment on or around the date of XX/XX/2023 containing debt instruments as well as instructions for the setoff, settlement, and closure of this account. Further, I have requested that you validate the claim that this debt has not yet been settled, set off, and closed by affidavit under full commercial liability, but you have disregarded these repeated attempts to validate the debt. Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort as well as other private and/or commercial damages. You have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act and breached your duties as fiduciary trustee by harassing me regarding this debt. I demand that you cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating this account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all communications to me. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. Kindly govern yourself accordingly.
12/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • CA
  • 92627
Web
Dear Sirs, This complaint is regarding Early Warning Systems out of Arizona. I am completely devastated by this company, EWS, or XXXX, who has ruined my life to this day because every checking account I open gets shut down due to inaccurate information on my consumer credit report. I went into XXXX XXXX, XX/XX/XXXX after relocating to XXXX XXXX from XXXX, California to pay an outstanding fee on my checking account which I had had since XXXX. It was XXXX. The bank had just closed my account that morning. I tried to pay the XXXX and they said I couldn't pay it there and that it was in collections. I asked what collections it was in. They didn't know. I still don't know and no one at the bank seems to know. Meanwhile that triggered off Early Warning Systems a company in Arizona. My XXXX XXXX XXXX accounts were all closed because of this XXXX fee that I am not allowed to pay to the bank because it's in collections somewhere!! ; I don't think this is fair and it's causing extreme undo XXXX XXXX. Example : I had just deposited XXXX cash at my XXXX XXXX XXXX ATM and when doing so on XX/XX/XXXX it kept my cash and froze my accounts. I have had NO MONEY to live on for almost XXXX days now while they wait to send me a check for the monies that were in my account. I need help. This is so unfair to leave someone with no money at all for days and days. This is an emergency. Thank you XXXX XXXX XXXX
09/20/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • VA
  • 23454
Web Servicemember
I was contacted on XXXX about a pair of shoes I was selling. I began a text conversation with the person - XXXX XXXX XXXX XXXX - and we agreed that they would send me a check and I would send them the shoes. She said she was buying the shoes for her daughter in college. She said that the bank issued her the check for my money plus her daughter 's monthly allowance. The check had a routing number of XXXX and an account number of XXXX. It was from XXXX XXXX XXXX and was issued on XX/XX/2020. She asked if I would mind sending the rest of the money along via Zelle after the check cleared. I sent 2 Zelle payments to someone named XXXX XXXX at the email XXXX. One was sent on Monday with a XXXX/Zelle transaction number of XXXX with a value of {$700.00}. The next was sent on Tuesday with a XXXX/Zelle transaction number of XXXX with a value of {$400.00}. They then claimed the daughter could not get the shoes and I could keep the extra {$100.00} for my trouble and repost the shoes on XXXX. Two days later on Thursday the check was refunded by the issuing bank as being fraudulent and {$1200.00} was cleared out of my checking account. Clearing out my account. Please help me get this money back. I contacted XXXX on Thursday XXXX and they told me there is nothing they can do since the money was sent bank to bank from a third party vendor ( Zelle ). Zelle has no contact number or support for Fraud so they say.
04/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 95843
Web
Dear Sirs, I just received an updated credit revision in the mail today. I'm assuming this was mailed on XX/XX/XXXX. I have attached the copy of the updated Consumer Report. I circled the items on the XXXX accounts to show the discrepancies. The Contributor is XXXX XXXX XXXX # XXXX incident XX/XX/XXXX. This is why I know that Early Warning is targeting me. Please note that the last four digits of this account is the same as XXXX XXXXXXXX They have my drivers license updated through XX/XX/XXXX? During this time period it would've expired XX/XX/XXXX.. I haven't had a banking relationship with a XXXX XXXX XXXX XXXX since XXXX. There is no way XXXX reported my current license expiration to XXXX. There is the same account as XXXX XXXX XXXX XXXX account XXXX XXXXXXXX that was deleted XX/XX/XXXX. I didn't open an account in XXXX with XXXX. The Contributor XXXX XXXX XXXX XXXX XXXXXXXX incident XX/XX/XXXX is the same account with XXXX XXXX XXXXXXXX account XXXX XXXX. The last four digits on these accounts are XXXX XXXXXXXX. The account with XXXX XXXX XXXX XXXX XXXX the same account that was deleted on XX/XX/XXXX. All of the XXXX accounts are the same. If the two XXXXXXXX XXXX reported have the same information. They were deleted. Early Warning is erroneously still reporting the two XXXX XXXX XXXX accounts. They should be deleted. Please LOOK at the details of both accounts. My FCRA have been violated.
05/25/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 90280
Web
On XXXX XXXX, 2022, I was looking for tickets on XXXX for a concert from a reseller for a reasonable price. I contacted this profile XXXX who states that she had XXXX resell concert tickets for a reasonable price. I told the reseller I was only interested in XXXX of the concert tickets and she agreed to sell me the XXXX concert tickets. In total the concert tickets are {$270.00}. The reseller send me the ticket confirmation and named her priced which I agreed on. She then send me her Zelle gmail XXXX and her zelle name XXXX XXXX for we can arrange the payment. I then, send {$1.00} to the reseller to see if the payment went through and I send her a screenshot as a confirmation that my {$1.00} went through. The reseller agreed that my {$1.00} payment went through and I agreed to send the rest of the payment which was {$260.00}. I then send the rest of the money through send to her gmail account and send her the confirmation that my {$260.00} was send to her Zelle account. The reseller then said she could only send her XXXX concert tickets at a time, so I agreed to purchase the fourth ticket. I send the reseller an additional {$90.00} to her Zelle account, I send confirmation of my payment to the reseller and after the reseller confirmed my payment I was then blocked and I didnt receive the concert tickets. I send the reseller money through my checkings account and in total I lost {$360.00}.
04/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • MI
  • 48075
Web
I am writing to dispute the debt that XXXX XXXX is attempting to collect from me, based on the Michigan statute of limitations on debt and 15 USC 1681b. The debt in question is a secured credit card. According to the Michigan statute of limitations on debt, the statute of limitations for the type of debt in question has expired on XX/XX/2022. Therefore, XXXX XXXX is no longer legally permitted to collect this debt from me. Furthermore, the Fair Credit Reporting Act ( 15 USC 1681b ) states that after seven years, negative items on a credit report must be removed. As the statute of limitations on this debt has expired, your company is not permitted to report this debt to credit bureaus, and any such reporting is in violation of the FCRA. I demand that XXXX XXXX immediately cease all attempts to collect this debt from me, as it is time-barred by the statute of limitations. I also demand that you remove any negative items related to this debt from my credit report. If I receive any further communication from XXXX XXXX regarding this matter, or if there is any negative impact on my credit score as a result of your actions, I will take appropriate legal action. I would appreciate a prompt response to this dispute, including confirmation that you will no longer attempt to collect this debt from me and that you will remove any negative items related to this debt from my credit report
10/25/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 33604
Web
I was contacted by a scammer impersonating as my electric company. He said if I didn't pay {$280.00} within 30 minutes my electricity would be turned off. I was in a panic because I was working from home and couldn't get my electric turned off. My choices were to either pay using ZELLE app or go into the office and pay, but they would charge me an extra {$130.00} if I went in to the office since they already sent the technician out to turn off my electricity. He sounded very official and even said up front we will never collect your personal or banking information right at the beginning. But after I paid he told me the payment did not go through and I needed to resubmit the payment. That is when I knew something was wrong because I already received a confirmation email that my payment was sent. So, I told him I would call him back. Of course, the number was a fake. I called my bank immediately. They told me they could not do anything and I had to contact ZELLE. ZELLE basically told me too bad, nothing they can do and I should contact my bank. Both parties pushing responsibility on each other. When I asked ZELLE if I could have the financial institution 's name so I could report it myself, they told me they could not give me that information. I spoke to one representative and two supervisors and not one offered any help or resolution at all. They wouldn't even allow me to file a dispute.
09/09/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 75024
Web
On XX/XX/2021 While searching online to buy a new XXXX puppy I came across XXXX XXXX XXXX and contacted them hoping to purchase a dog. On XX/XX/2021 I made initial contact with the seller and began the process of buying the dog. The seller continuously changed the terms of the sale to complicate the process while requesting even larger payments of additional funds to cover previously nonmentioned costs. These include refundable deposits as well as soliciting a " refundable insurance policy ''. After payment was made I then asked for the money back due to even further requests for more fees and then became aware of the scam as the seller was nowhere to be found. I then reached out to the shipping company where it became apparent that it was also a component of the scam as they then requested an additional {$1900.00}. The three individual payments made were : {$1.00}, {$540.00}, and {$1400.00}. Payments were made to the seller via Zelle integrated into the XXXXXXXX XXXX XXXXXXXX. After contacting XXXX on XX/XX/2021 looking for assistance and potential recourse they stated they had little to do with the matter and that the concern should be taken up with Zelle individually. Zelle will not provide any aid or recourse. While collecting documentation for this complaint I was able to identify web host and payments processing services used by the scammers. Supporting documentation attached.
08/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 604XX
Web
I had a XXXX bank checking account. However, somebody stole my identity and money was taken from my account and made it go negative. I notified XXXX and they conducted an investigation. They concluded the investigation and said all I needed to do was sign a notarized affidavit with my signature. Once I did that I heard nothing back. My account was still in overdraft negative $ XXXX. I called back and they said nothing can be done because it was already sent to a collection agency. I told the fraud expert that I completed exactly what the branch manager at my local location needed me to complete and signed the affidavit saying I was a victim of fraud and IDENTITY THEFT! The fraud department said there was nothing they could do because it was already sent to collections. I told them that they are reporting false info to the credit bureau. ( EARLY WARNING SYSTEMS IS THE NAME ) That false information has made it impossible to get a bank account anywhere else. Ive contacted EWS and they did their own investigation and I told them all the facts as well as let them know I signed a notarized affidavit. However the investigation concluded the info documented on EWS was correct. I was saddened and it feels I have nowhere to turn. I feel like the bank is making a personal effort to take the negative situation that happened to me and blamed me for it. EWS does not want to remove the false info.
10/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • CA
  • 95351
Web
On XX/XX/21 XXXX XXXX XXXXXXXX froze my checking account with no answer they would just tell me it was under reviewed after a year later I was told it was closed due to me having a lot of incoming money and were was my money coming from and who ever send me money they were sending them the money ( they never did ) some money was from my husbands card to mine and they never gave it to him either and me and my husband went to XXXX XXXX XXXX they would check my account and would always say its under investigation and gave me a phone number I would call and I would get answers like the will let me know and never did I called XXXX XXXX for about a 1 or more. I asked about an account that was under my daughters name and mine and it was child support money that they said would give back and never did XXXX XXXX XXXX kept all that and I would ask how is my account fraud? And they said it is and then even told me why my husband would use my card if he wasnt authorized I told them at that time we would put money in there he didnt have an account and we were married that if I was accepting his transaction why did it matter? They just said it wasnt under his name. So Im not sure how this account ever was fraud and why did it matter the incoming transactions I had if I told them it was for classic cars my husband had sold and were doing payments every month so it doesnt make sense how its fraud?
10/13/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 336XX
Web
On XX/XX/2022, I was sent an email from " XXXX. '' The email stated that someone had recently used my account to send an unauthorized amount to another company. I had a similar instance happen recently through XXXX and corrected the error. So, I checked the number and email provided online, and it appeared to be credible based on the sites provided by XXXX XXXX. I called the number, and they followed the same exact script as XXXX would for the situation and explained that the process would be a bit different this time due to the purchase, XXXX. I was assured this would be solved by transferring money from my personal accounts to a secure account. I followed the instructions by the person on the other line who instructed me to give access to the account to facilitate a transfer. I was then told the individual the installments in " two '' to be more " secure. '' The amounts of {$2000.00} and {$310.00} through XXXX to a number that after was listed as " XXXX XXXX '' after the transactions went through. After a long pause, I realized something was off when I asked for the amount to be transferred back. I demanded that my money be transferred back, but the gentleman on the other line stopped talking. I immediately called XXXX after this exchange and asked if they could pause the transaction. I was told there was nothing they could do because it was through a third-party vendor, XXXX.
08/03/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 92103
Web Servicemember
A transfer was made via my Zelle account to a person that I have no association with, or have any knowledge of who they even are. Account verification must have been made in order to approve transaction/transfer. This transfer occurred XXXX XXXX. After seeing this I cancelled my Zelle so that this would not happen again. I filed a fraud claim through Zelle and was informed today XXXX XX/XX/2022 that my claim had been denies. Zelle had determined that it was not fraud even though the amount of {$2500.00} had to be authorized by me via phone call and was sent to a random person I have no association with. They have taken their money they refunded me back and stated they can not help me. This company has been no help and has denied an actual fraud claim. They did not tell me why my claim was denied other than the fraud department had determined it wasn't fraud with no further explanation. This is fraud and should be handled by Zelle as such. I would not recommend this money transfer service to anyone as they do not protect customers accounts and allow blatant fraud to occur and not properly handle these situation. They have some of the worst customer service and even though the fraud was reported as soon as it happened they still denied it as fraud. I will not be using this service again and I am very frustrated that they took my fraud claim money back and stated it was not fraud.
04/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 750XX
Web
On XX/XX/2021 I sent a dispute letter to XXXX XXXX XXXX to have a false and misleading account removed from my credit. On XX/XX/2021 I called XXXX XXXX XXXX because I had not heard anything from the agency about that dispute since the letter was sent. A representative told me that the investigation process had not been started and that she'd have a manager reach out to me. A manager reached out to me XXXX days later and then I was sent a letter via email stating that the account wouldn't be deleted even though they were in violation, failed to perform an investigation in the fair allotted time frame according to US law of XXXX days, and at fault. This agency is violation of several laws according to the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) ( A ), Section XXXX unfair and misleading reporting, and violation of XXXX U.S.C. XXXX. I sent a third and final letter to XXXX XXXX XXXX on XX/XX/2021, as per this complaint the account is still on my report. According to XXXX XXXX XXXX the agency that reported the negative on my credit was to notify me within XXXX days after the initial communication in connection with the collection of any debt. They failed to notify me, as the original creditor, only I can validate the debt. However, I do not validate the debt. Therefore according to all of the above referenced law breaking violations, I want this account removed at once.
10/03/2017 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • MD
  • 20708
Web
I opened a XXXX XXXX Account on XXXX XXXX, 2017. The next day my account was restricted due to a notification from Early Warning Services. I contacted them regarding the information that was given to XXXX XXXX. They then drafted a consumer report and was sent to me. I found that the information in the consumer report was not only inaccurate, but financial information was being disclosed between my current bank and Early Warning Services. After question EWS regarding why this information was disclosed, they were unable to answer my question but redirected me to contact the bank. After contacting my bank, they were unable to understand why I was being reported to EWS when I had no fraudulent activity or suspicions on my account ever. I then disputed all information that was given to EWS along with XXXX XXXX XXXX checking my EWS consumer report almost monthly when I do n't have an account with them, nor have I ever applied for a XXXX XXXX XXXX service. Early Warning Services if reporting incorrect information on me from several resources, and has failed to respond to my request regarding these accounts. A dispute was faxed over to the company and they have failed to respond. Consumer ID XXXX They failed to provide a reason for the restriction of my account, and failed to tell me why current bank account information is being shared with a 3rd party consumer reporting agency.
10/03/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Wrong amount charged or received
  • CA
  • 92116
Web Servicemember
cammed on XXXX/Zelle Within the Banking Institution as a Third-Party App I have tried to dispute the transaction and reported a financial crime but the money was not returned. I was scammed out of {$900.00} when the recipient added an extra XXXX to the transaction ( {$1000.00} instead of {$100.00} ). They used my phone to add the email address and by the time I noticed it the next morning, it was too late and they stopped returning my calls and texts. " Weve completed our investigation and determined an error didnt occur for the following reason : XXXX XXXX XXXXXXXX XXXX has confirmed that the funds were sent and applied to the account that was registered to the email entered at the time of the transfer. The recipient received the credit on XX/XX/2023. The external bank has denied our request for a return. '' https : //www.consumerfinance.gov/about-us/newsroom/cfpb-report-identifies-issues-with-increased-servicemember-use-of-digital-payment-apps/ " If you send money to an email address or U.S. mobile number for someone other than your intended recipient and the wrong recipient isn't willing to send the money back to you, call us at XXXX ( XXXX ). There's no guarantee that we'll be able to get the money back if it has been sent to the wrong recipient due to member error, such as a keystroke error or typo. '' Problem : Zelle {$1000.00} Transaction ( {$900.00} Stolen )
10/01/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 92131
Web
On XX/XX/2022, I got a new job as a XXXX with a XXXX XXXX in XXXX XXXX, California. I had to relocate. On XX/XX/2022 I found a house I liked in a post of the XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. After several messages I connected with XXXX XXXX on XXXX after reviewing his profile and noticing endorsements and work connections to verify his identity. Convinced I was renting a home, XXXX had me fill out a rental application. And then instructed me to make the direct deposits for first months rent and the rental deposit of {$6700.00}. On XX/XX/XXXX, XXXX and XXXX 2022, I transfered a total amount of {$6700.00} through my XXXX XXXX bank and XXXX XXXX with Zelle and XXXX XXXX. I receiced a receipt for my payment. On XX/XX/2022, I flew to XXXX XXXX, California to relocate to my new rental home and start my new job. When I called the rental agent for the home I paid first months rent and deposit of {$6700.00}. XXXX XXXX ignored my calls and disappeared. After numerous attempts at calling the realtor, I came to and realized that I was tricked into committing a financial error by making a direct deposit to someone who tricked me under false and fraudulent pretenses. My family and I experienced additional financial challenges after having our money stolen as we had to pay for a hotel unexpectedly, as we traveled with our XXXX baby.
06/08/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 77083
Web
On XX/XX/2022, My significant other ( who is apart of a XXXX XXXX XXXX XXXX XXXX ) received an email from XXXX '. In the email " XXXX XXXX '' mentioned how their late husband passed away and that they needed to find a place for their piano. All we had to do was cover the moving charges. We agreed to pay the charges of {$790.00} through Zelle ( Payment made XX/XX/2022 ). My significant other and I are both XXXX XXXX so we thought this was a golden opportunity. A few days later they began to ask for more and more money which is when we grew suspicious. Come to find out after XXXX research that this is a common scam done for XXXX XXXX Come to today, XX/XX/2022, we drove to XXXX XXXX asking if their was a way to dispute our transaction. They told us because Zelle was used there was nothing that they could do. We then contacted Zelle who told us they are not able to move money from bank to bank. Finally, we called the XXXX, but no one could aid us. After looking on the internet we stumbled across a new report of a woman who had a similar experience to us. In this report they said the CFPB can help people who have been in this situation before. We feel ridiculous as to the outcome of the transaction. Losing money for a piano fulfillment that will never come to pass. I am attaching the email log with the initial person who reached out and " XXXXXXXX XXXX XXXX ''
05/22/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 93257
Web
On XX/XX/2023 at around XXXX I had the intentions of sending money thru Zelle from the XXXX XXXX XXXX App to a family member. It was a large sum of money ( {$3500.00} ) for a funeral. After I had confirmed the amount and who I wanted to send it to it went thru right away. I than right after checked with the family member to see if they have received the money. They had not, and after a minute goes by I go to my email to make sure it went to the family member, well the name matched so did the phone number except for the last two digits. I began to panic and tries to reach the unknown person I had sent it to. After several attempts they finally pick up and I begged them to send me the money back and he claim he never received the money and to not call them again and hung up. I was devastated, but I called Zelle services immediately after in hopes that something would be done. After I summited a dispute with Zelle and than filing a claim with XXXX XXXX XXXX after all that they said nothing could be done. Im devasted that {$3500.00} worth of money went to a complete stranger when it was meant for a family members funeral. It was all the money I had saved and the bank claims they did everything they could to contact the thief that wont return my money. Im never using Zelle services again and letting the people I know the lack of help Zelle and XXXX XXXX XXXX were to me.
08/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • GA
  • 30318
Web
Personal Information Update Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 Early Warning Consumer Services Department XXXX XXXX XXXX XXXX XXXX, AZ XXXX RE : Social Security Number XXXX To Whom This May Concern : This is my SECOND TIME writing you to update my information 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities With fairness, impartiality, and a respect for the consumers right to privacy. I, XXXX XXXX, demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Legal Name - XXXX XXXX 2. My Address - XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Please delete all other addresses, I can not receive mail, any correspondence, nor do I have access to any of these addresses. Please delete these outdated addresses and update my consumer report with the one above. My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ). I am a federally protected consumer and I have a right to privacy. Not granting me my rights is indirect violation of 15 USC 1681 and all its subsections.
08/09/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NC
  • 28352
Web
ZELLE. I used this via the XXXX XXXX App to supposedly pay for an engine ; i never received it due to the " company '' was a scam. Then the scammer used zelle to obtain {$850.00} twice and {$970.00}. I caught the second two transactions BEFORE they were processed and called XXXX XXXX requesting that they stop those transaction due to them being scam and was told that they couldnt stop it due to the money going through ZELLE. I have filed a dispute 2 times via XXXX XXXX, once as a fraud case, then as per the Zelle represented as a scam case. XXXX XXXX stated that the case was declined for repayment, even though XXXX admitted that it was certainly a scam ; and gave me Zelles phone number. I have tried multiple times to reach out to Zelle today to dispute this but can not reach a representative!!!! This is a travesty on how they conduct business. Basically XXXX XXXX states that Zelle will not repay my money, and I can not reach them, ( ZELLE ) thus they have aided the theives in fraudulently taking my money!!!! I reached out to the company that I received a receipt from ; they told me that 3 other customers had called them that day with the same complaint. And MANY others had over the previous two weeks prior to my call. This is a apparent scam to everyone except those that make the decision to refund the money!!! I have included a copy of the scammers receipt
10/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 951XX
Web
In XXXX of 2022, I recieved an email on my student email about a job opportunity. I was late to notice that email, but I replied to it on XX/XX/XXXX. The email was from someone pretending to be from the World Health Organization. I was told that I would be helping the disabled get the items they needed. I would be sent a check to deposit via mobile deposit through the XXXX XXXX app. After giving her my ID she sent me a check via email and told me to print the pictures out and deposit them through the app. She never once asked me for my social security nor any money so I didnt think that it would be a scam. Plus the email was sent to my student account. At the time I was very inexperienced with mobile deposits and the app itself. After the check was deposited XXXX XXXX closed both of my accounts ( checking and savings ), which was understandable since the check was fraud ( which I didnt know at the time ). I tried to call XXXX XXXX and even visited two branches in person ( XXXX XXXX and XXXX XXXX ). None of them helped much except XXXX XXXX which helped me open a new checking account. Which was also closed after a few days. I tried to open a new account through XXXX XXXX XXXXXXXX but they also rejected my application because of what happened with XXXX XXXX. The story is being misunderstood and misinterpreted by XXXX XXXX and I cant seem to explain my story to them.
09/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • LA
  • 70560
Web
Last year I submitted a request to a company called Early Warning when I was denied opening a checking account based on their report. They never sent me the consumer report at that time. I also uploaded a copy of my identity theft report from the FTC and accompanying police report to them. They still failed to communicate with me at all at that time. I was again denied when applying to open a checking account last month. The reason given to me was that I was denied based on information from Early Warning. I again submitted a request to them for my consumer report. I finally received it this week, and I was flabbergasted. The only thing reported on it was a checking account that was opened fraudulently by my ex wife. I know this due to the address on the account. I never lived at that address, but she did after we divorced. Even though there was a fraudulent account listed, it didnt contain anything I would call negative information. That account appears to have never been used and was closed for inactivity with a XXXX balance. So why is this agency reporting this account that appears to have been open for three years and closed with a XXXX balance as negative information? I dont see that as a reason to deny me from having a checking account. I am including a copy of the report they sent to me, my identity theft report and police report with this complaint.
02/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28079
Web
Early warning is a consumer reporting agency that specializes for banks. I discovered in XXXX of 2021 that they were reporting information from several banks that did not belong to me because of identity theft. 2 of the banks agreed with me and they stopped reporting at early warning. XXXX, who I have already filed a complaint against for the same actions because they are the ones reporting it too early warning. Early warning has all the proper documentation to remove that account from my file. They are going with a report from XXXX. They have the certified police report as well as the identity theft report in their possession. They go by what XXXX supplied them only XXXX has never talked to me since since I went to the police. The police cleared me because they caught the person that did this and my fingerprints did not match his. That's how I know I am right in this and these people are wrong and harming me because they are arrogantly stupid and doing something that is wrong and against the law. It is beyond me that these people think that they could be correct when the police have already proven it wasn't me. Like trump when he took out the full page ad in XXXX XXXX XXXX XXXXXXXX after the XXXX XXXX XXXX were cleared because of DNA evidence. Sometimes people just want to be right when they are 100 % wrong but when it harms somebody they need to get over that.
07/28/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • ME
  • 04401
Web
XX/XX/2023 AT XXXX. I was trying to fix my XXXX XXXX XXXX and used XXXX to look for Contact Number of XXXX found the number and called them. They assisted me and after assisting me they told me that my account is not yet completely fixed so I need to purchase a Gift card thru XXXX. They told me they will just cancel the order after the call. After Purchasing 5 gift card they told me that the problem is not being fixed and I should transfer money thru my bank account using Zelle to a person Name XXXX XXXX with an email XXXX. I told them NO this is a Fraud. They told me they will just return my money. So I transferred XXXX dollars and they told me its not enough. I have to send more money and threaten me that they have access to my bank account and they can transfer more money because they know my Username and Password. So I transferred another XXXX dollars because they are threatening me that they will took all my money in my bank account. And told me its not enough so I transferred again XXXX dollars. I was already anxious at that time and they are still asking me for more money. I disconnected the call and reported it to XXXX and XXXX XXXX XXXX at same Date. XXXX refunded my Gift card after several days but advancial refused to return a total of XXXX dollars that was sent thre XXXX XXXX thru Zelle. The Bank said I should have reported it to the FBI.
08/13/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 90015
Web
I am a student living in XXXX XXXX, California and I am moving to XXXX to continue my studies. I contacted someone in a XXXX XXXX New York XXXX, XXXX - Housing, Apartments, Rooms, Sublets, Roommates called XXXX XXXX for assistance to rent an apartment for a month in XXXX. He helped me along the way and provided this site XXXX XXXX XXXX as backup for his fraud. He assigned me an apartment at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX where I paid {$1400.00} XX/XX/2021 on a XXXX transfer. However, after paying I found the same apartment at XXXX XXXX XXXX and it look totally different. I got an offer to pay two month so I could get the third month for free and I accepted the deal. When I asked for a new contract, XXXX XXXX asked me to deposit the money on a different XXXX user belonging to XXXX or XXXX instead of depositing the the inicial XXXX account to XXXX or XXXX. Through XXXX I got the lease contract which seem totally transparent, but then I notice that in their website there are some agents names which I looked at XXXX website and found XXXX XXXX XXXX and saw that her pictures were liked by XXXX people mostly from XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and others. That was what made me open my eyes about the fraud. I am willing to help and provide any prove you need about this incident. I already reported it to my bank.
09/21/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 95051
Web
1. The contractor, XXXX XXXX, XXXX, ( XXXX ) told me they will incorporate my business as a XXXX and ended up only incorporating as a single person XXXX- which has made my tax liability very different, and resulted in severe financial loss. When asked to refund the money for service not done they just avoided all calls and texts. Eventually I told them that I will complain to FTC, thats when they got back saying they were on " sick leave for the past XXXX months ''. They finally accepted they made an error but are absconding since. 2. They also charged me for tax guidance and filing service which they haven't given. I keep asking them to be mindful of my money and refund it if they can't help me and they again abscond. I have been chasing them for multiple months now and they just dont reply. When I asked for refund for clear wrongdoing, they said " they have done nothing wrong '', and " we have already spent the money '' on the false, misleading and wronf service These people have caused me severe monetary loss for 1 ) wrong company structure 2 ) no tax guidance 3 ) no customer service 4 ) absconding when asked for updates I am someone with multiple XXXX XXXX XXXX XXXX XXXX, and I really can't afford to lose {$400.00}. I really really hope the FTC can help me get my money Details - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
04/01/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • MI
  • 48238
Web
On XX/XX/2022, I sent funds from my XXXX Account to my XXXX XXXX account in the amount of {$180.00} through Zelle, which wasnt the first time I had done so. XXXX XXXX sent me an email stating that they were unable to deposit the funds and that they were returning them. By XX/XX/2022, I contacted Zelle via email to check the status, because my money hadnt been returned yet. I got an automatic email response with a case number that said that I would get a response in two business days, which I did not. Just before the close of the second business day, I reached out to Zelle via phone on XX/XX/2022, since I had not gotten a response as they stated I would. I provided the case number to the representative and he told me he was unable to look up the case. So, after I explained what my issue was again, he started another case for me. He indicated that he wasnt able to see what happened to the funds and that he needed to send it to the research department to investigate. There has been no further details provided since the case was opened. I called Zelle again today and the representative wasnt able to provide any details. My problem is my initial contact with Zelle was XX/XX/2022 and its now XX/XX/2022, yet no one can tell me anything. Im beginning to feel like Zelle ripped me off. I need my money back as soon as possible, so I would like some answers.
08/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 20854
Web
After being denied the ability to use my XXXX XXXX debit card for automatic payment of my XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX, XXXX had informed me that the denial was the result of a report from Early Warning. I obtain my report from Early Warning. In a phone call with Early Warning their representative denied producing any score and did not reveal what information on my report they considered derogatory. I did notice on my Early Warning report they reported the status of one of my accounts ( with XXXX XXXX ) as " Deceased '' in XXXX and present in XXXX even though I am still alive ( my wife who was a co-owner passed away in XXXX, but the report gave no indication of joint ownership. I disputed the characterization that I was deceased in XXXX via letter. They initially responded that their investigation determined that the status was accurate. I tried faxing them a letter requesting that they report to me how they verified the information, but their fax system refused to receive it. Today ( XX/XX/XXXX ) I received a report that they claim represents a correction of the information ; however what it appears they have done they have left in the report the allegation that I was deceased in XXXX and removed the claim I am alive in XXXX. Now for my XXXX bank account, Early Warning shows as the current status of the account " deceased ''.
10/04/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IN
  • 46260
Web
I recently found out that my name was attached and associated with 3 consumer reporting agencies, Early Warning, XXXX XXXX, and XXXX. I have called XXXX they have a check in the amount of XXXX that was wrote on XX/XX/2014, associated with my ID found this out while I went to XXXX to cash a check as I have been doing many years they cant verify an address on file NONE of the addresses i have given them is tied to me, I called early warnings they gave a bank account that was opened in 2014 with XXXX XXXX, I wasnt even in XXXX yet, I disputed this issue with them and they are saying its accurate and its not, I want my signature to be verified, and what ID and address was used, the same for XXXX XXXX its so frustrating all of a sudden I cant cash checks at XXXX or XXXX due to fraudulent accounts Ive never wrote a check in my life and Ive NEVER had a XXXX XXXX account. I want this removed from my name, how is it even possible I got 2 different fraudulent items in 2 different cities I can ONLY be at one place at ONE time! I just want them to detach these accounts from reporting against me because they are NOT mines and I do not write checks let alone shop at XXXX and never have I ever been declined to cash a check until recently. I want this fixed, its a negative on me and I do not like it especially since these accounts have nothing to do with me.
03/20/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • GA
  • 30512
Web
In XX/XX/2023 I made a purchase from XXXX believing they were XXXX. The website popped up via a XXXX search and the company was posing as XXXX XXXX who has been in business for quite some time. After my money was sent, I attempted to contact the seller with the name and address of the FFL that I wanted my firearm sent to and immediately my emails began to bounce. This happened on XX/XX/2023. This is when I realized something was wrong. I continued to try to contact the seller and even emailed the address on the zelle account where the money was sent, but to no avail. I contacted my bank that same day, XX/XX/2023 to let them know that this company was fraudulent. I searched online and found that it was two separate websites and found multiple reviews were other folks had also had money stolen from them. My bank, XXXX, stated that I had to wait for the transaction to process before they did something about it and that I shouldn't have made the purchase to begin with. I called again on XX/XX/2023 when the money did process and filed a claim with Zelle 's fraud department. This weekend, XX/XX/2023 I received a letter from XXXX stating that because I made the transaction that I would not be getting my money back. I have reported this fake gun company to the Federal Trade Commission as well as the Georgia State Commissioner and the XXXX XXXX XXXX
03/13/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CT
  • 06811
Web
On XX/XX/2023, I reached out to a person on XXXX who goes by the XXXX XXXX to get concert tickets, as they made a post that they were selling tickets to see the XXXX XXXX at XXXX XXXX XXXX on XX/XX/2023. I reached out to them to inquire more. I told them that I was wary of scammers selling tickets, and after assuring me they werent a scammer, they even stated that I can only pay half and then after they send the tickets I can pay the remaining amount in good faith. I was fooled by the human-like interaction I was having, and ended up sending half the payment, {$180.00}, through Zelle. The Zelle account is XXXX. The scammer kept alleging they didnt receive the money, yet it was already taken out of my account so I told them I wasnt sending anymore. After I realized I wasnt getting the tickets I paid for, I told them to refund me my money. They ended up blocking me and putting the scam back up on XXXX after I looked from a different account. They ended up getting suspended on XXXX and the next day, I reached out to my bank, XXXX XXXX XXXX, to see what I could do to get my funds back. By the end of last week, they resolved it saying they reached out to XXXX to get the funds back and they refused to cooperate. Therefore, I am filing a complaint against Zelle, XXXX, and XXXX XXXX XXXX for the {$180.00} dollars I sent to the scammer through Zelle.
01/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • GA
  • 30040
Web
Multiple bank and credit card accounts were opened on my name by someone. I was able to get hold of three credit reports and 'XXXX ' report to dispute the inquiries and then lock/freeze the report to prevent further damage. One of the bank account ( XXXX ) was not reported on credit reports + XXXX XXXX report. XXXX customer support person informed me that bank uses " earlywarning.com '', this is surprise as 'identitytheft.gov ' or any other website did not mention about this company anywhere. 1. earlywarning.com is not having proper online method to request my consumer report. 2. consumerservices.earlywarning.com is failing with XXXX error not able to register email for sending documents. Customer support was not helping to resolve the issue. 3. I have called customer support and provided all PII, identity questions over the phone to request a report. Report will be sent in 15 days, I will have to wait 15 days to know at which other banks new accounts were opened. By the time I get report it will be outdated, new accounts may be opened in 15 days. 4. Important : There is no way to set fraud alert or freeze/lock my data at 'earlywarning.com '. Customer support person is saying that I will have to keep checking data and dispute the incorrect entries, it is not stopping fraud. It is lot of unnecessary work for me for next several years.
10/17/2018 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 33034
Web
On the day of XX/XX/2018, I was scrolling my XXXX page when I saw a page for offering discount goods, like sneakers and cell phones. I direct messaged the seller per their request for " serious inquiries only '' when I firect messaged the seller, they responded within the hour. I asked was there an XXXX XXXX available for sell and the answer was " Yes '' the person said it would be {$420.00} that's including 2 Day shipping. On the page, the seller takes XXXX, XXXX XXXX, etc which I used XXXX, I also screenshotted our conversation. XXXX requested a First and Last Name, along with the sellers email. Once I transfered the funds it was rather late. So I tried contacting the seller the next day asking for a tracking number, they did not respond, so I waiting until after my classes which I would be in all day. When I tried to contact the seller again, our conversation had been deleted and I was blocked that's when I knew I was scammed. I tried contacting him through a different profile asking him amount my funds and phone, I was blocked again. His XXXX name is XXXX the email he gave through XXXX he also has another email listing on his XXXX I did not message him through email out of fear of being blocked through there. I let him know that I had been saving for months, which I had, to see if that would gain some regret in the seller, it did not.
07/19/2022 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • MI
  • 482XX
Web
On XX/XX/2022, I went on XXXX to purchase tickets for a concert. While I understand that it is recommended to go through certified ticket re-sellers, I proceeded to go this route because I had done it in the past from this group that I trusted. Regardless, I proceeded to message someone on the XXXX XXXX app for the tickets. The person then told me the cost and asked for me to Zelle or XXXX XXXX the funds ( {$250.00} ). I requested that the user send me the tickets first ( which he did ). Once I saw them in my email I did confirm that they were good I sent the money. The user then proceeded to ask me for another {$50.00} because his wife had paid {$300.00} for them and they would be losing money. After much back and forth I opted to eventually send the {$50.00}, but then I checked the tickets and there was a password lock on them. I then asked the user to please provide the password which they never did and they eventually blocked me after several further attempts. The user mentioned that they did not receive the I XXXX due to a bank network error and said they would send it back if it was a duplicate. They never did and took all of my money.I I contacted my bank " XXXX '' which did absolutely nothing to request any additional information. Zelle also did nothing except point me to my bank. I would like to file a complaint about this issue
12/03/2018 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • TX
  • 75067
Web
I sent {$450.00} from the XXXX ( XXXX ) app on XX/XX/18 to XXXX XXXX who also has a XXXX ( XXXX ) app. The transaction on the app shows as denied 3 times as XXXX didn't have an updated debit card on his XXXX app. The last card he had was with XXXX XXXX and it was no longer valid. Even though on the XXXX app it showed as denied, my bank account had an authorization hold placed on the account and the transaction cleared on XX/XX/18 as successful, but XXXX never received the deposit. XXXX has no idea of what happened. They however show as the merchant on my bank statement but they say they really are not the merchant. I also spoke to an agent who said that XXXX did send the request to pay the authorization hold but since the account had an invalid debit card that it should be returned, but it hasn't returned yet. Then a manager told me that the info he said was wrong. But in my understand of debit transactions, the sending bank applies a hold under the receiving entity sends a request to complete that transaction which to me looks like XXXX. XXXX hasn't opened any type of investigation that I know of and just keeps reading me the standard policy lines. The thing is the money isn't in my bank ... so it is either with XXXX or XXXX somehow sent it to XXXX XXXX which is the receivers bank, but XXXX can not at this time locate the money either.
11/02/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 761XX
Web
On XX/XX/XXXX I received a text from what I thought was chase bank. I had fraud on my account. Not two minutes later I got a phone call from who I thought was chase bank and they were trying to block funds from leaving my account. I proceeded to do what this person said because I was afraid that I would lose money. None of it made sense. At the end after ZELLEING {$3800.00} to this person. I was distraught. I had a bad feeling and I was frustrated. They had even had my email and was confirming they were talking to me through email. I called XXXX bank the next day and they informed me I had been scammed. I called again to file a claim. I tried to contwct zelle. I put alerts on all my accounts and on my credit line. On XX/XX/XXXX I contacted chase again and was unable to finish the call. XXXX XX/XX/XXXX I sat on hold for 2 hours only for chase to hang up on me because the credit department has hours. I called back on XX/XX/XXXX and talked to someone who I could barely understand because of their accent and escalated the call to a supervisor. The supervisor XXXX said they tried to recover the funds but were unsuccessful. She was also very rude and very unhelpful. They also said I was unable to claim again. I tried for a higher superviser TWICE but no one was available. I will be taking legal action. XXXX bank and zelle are responsible.
01/31/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Bounced checks or returned payments
  • DC
  • 20018
Web
In or around XX/XX/ my XXXX XXXX XXXX checking account went from a positive {$1800.00} to a negative {$1800.00} without any transactions posting to my account to explain how it happened. I got several emails telling me I had insufficient funds and most of my credit card payments where returned. I logged into my account and notice several transactions from Zelle went through even though my account was in the negative. How is this possible? That's when I knew something was wrong because Zelle would never allow a transfer of funds with an account in the negative. I started getting notifications from XXXX, that XXXX XXXX XXXX was taking money out of customers accounts, due to a glitch with Zelle. I have suffered several closed credit card accounts because of the insufficient funds in my account. I was in the process of completing a major multi-million dollar line of credit to purchase real estate. My XXXX XXXX has suffered and was lowered, so now I can't move forward. This is costing me time and money, until I can fix these problems associated with this glitch. The sad part is, XXXX XXXX closed XXXX of my cards, XXXX closed XXXX of my cards, and the crazy part of it all ; XXXX XXXX XXXX XXXX XXXX and XXXX own a share of Zelle. It should have been no problem to correct this error and not report anything negative to the credit bureaus.
10/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • CA
  • XXXXX
Web
XXXX XXXX closed my accounts and REPORTED ME TO EARLY WARNING WITH FALSE PERSONAL AND FINANCIAL INFORMATION. I complaint to OFFICE OF THE COMPROLLER OF THE CURRENCY ABOUT THIS FRAUDULENT ACTIVITY IN XX/XX/XXXX, and in XX/XX/XXXX, XXXX XXXX answered PARTIALLY, stating that they had the right TO CLOSE ACCOUNTS WITHOUT ANY NOTICE TO THE CONSUMER AND THAT THEY HAD THE RIGHT TO CHANGE ACCOUNTS, SAVINGS TO CHECKING, WITHOUT ANY NOTICE, AS WELL. However, XXXX XXXX DID NOT MENTION ANY FRAUD ACTIVITY NOR ANY REPORTING ME TO THE EARLY WARNING. IT IS IMPORTANT TO MENTION THAT THE PERSON WHO CLOSED MY ACCOUNT AND REPORTED ME AS FRAUDULENT ACCOUNTS TO EARLY WARNING WAS SIGNED BY XXXX XXXX, SENIOR VICE PRESIDENT XXXX TELEPHONE BANKING, EXECUTIVE LOCATED IN OHIO, BUT GRADUATED FROM UNIVERSITY XXXX XXXX. IN ORDER TO MAKE THIS FRAUDULENT REPORT, MR. XXXX ALTERED MOST OF MY INFORMATION, PERSONAL AND FINANCIAL, AND THE CONSEQUENCES OF THIS FRAUDULENT REPORT IS DEVASTATING SINCE XXXX. I disputed these TWO FRAUDULENT REPORTS TO EARLY WARNING SERVICES IN XX/XX/XXXX, and the answered I received via normal mail is THAT XXXX XXXX CONFIRMED THAT ALL THE INFORMATION SENT TO EARLY WARNING IS CORRECT AND ACCURATE WITHOUT ANY PROOF. I REQUEST EARLY WARNING REQUEST XXXX XXXX PROOF OF THE INFORMATION PROVIDED WHERE XXXX XXXX REPORT MY TWO ACCOUNTS AS FRAUDULENT.
10/24/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75002
Web
Early Warning Services does not have a way to report fraudulent information, and there are Inquiries on my Early Warning Services report that I have not authorized nor did I apply to any of these companies. I am a victim of identity theft, and per law 605 ( B ) I have a right to request information resulting from fraud or Identity theft to be blocked from my consumer file. These inquiries are listed below, and I want Early warning services to correct it immediately. Inquiries - XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
09/27/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NY
  • 106XX
Web
I have fallen victim to a widely reported scam targeting XXXX XXXX XXXX customers using the XXXX money transfer service. {$3100.00} was stolen from me. The scammers were impersonating XXXX XXXX XXXX customer service, spoofed the XXXX XXXX Customer Service number , and knew various account details with XXXX. Upon reporting the scam to XXXX XXXX XXXX I was a asked to submit a variety of paperwork and file a police report. I was able to also provide the scammers bank, last 4 digits of the account number, and first name the checking account was registered under. I complied with all of the requests made by XXXX. The case investigating this claim was then shortly closed, and I was advised to contact the recipient of the stolen funds ( I.E. the scammers ). Neither the police, XXXX XXXX XXXX, or XXXX XXXX XXXX XXXX have helped me resolve this issue. The fraudsters also tried to use my identity to register for benefits using through California XXXX via the " XXXX XXXX '' app. No one from the California XXXX office has returned my calls or e-mails. Recently I was contacted by XXXX notifying me that I was being kicked off of XXXX for violating the Terms Of Service, but they would not specify what rule I had in fact violated. The terms do however specify that you can be kicked off the platform if you fall victim to this type of scam.
10/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Problem with personal statement of dispute
  • IL
  • 61821
Web
I was going through a XXXX. I was awarded the formerly shared account from XXXX in the settlement. On XX/XX/XXXX, my now XXXX continued to try to withdraw funds and so I decided to open a new account and just transfer the funds out. In the process of trying to get this open, XXXX said that they got a report from Early Warning reporting service allegedly about " an issue with a bank or financial institution ) and so a was not allowed to open the account. XXXX gave me the contact information for Early Warning and I immediately contacted them. I was concern with having to provide my full XXXX and to a person that sounded like they were working in some kind of XXXX XXXX XXXX XXXX I nonetheless went through the process and was told that I would have the report within 15 days. Today ( XX/XX/XXXX ) I called because I still have yet to receive any documents. When I called, they wanted me to re-provide all of the personal info. I said that I had a reference number but they couldn't find it without the personal info. I gave it and then I was told that they didn't get another form from me. I was never told that more documents were needed and now am waiting for them to send me the alleged needed form again. Most interesting is that they said that they needed to send this through the mail. But I only had given my email address.
03/24/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 33174
Web
On XX/XX/2021 I was texting who I thought was my friend via XXXX and it was a hacker pretending to be her. The hacker requested for quite a bit of money via Zelle because the bank did not allow to exceed limit amounts for transfer and that first hour in the morning I will have it back. Again I thought it was my friend who I was speaking to when I completed the transfer, wanted pictures and screenshots to prove transfer was made. Moments ago after I made the transfer I got a message from a group chat we are part of and notified me to not send anything that it wasnt her. That she was hacked. I immediately deleted any information having to do with the hacker and contacted XX/XX/XXXXXX/XX/XXXX to freeze the account to issue me new card. Not XX/XX/XXXXor Zelle wants to be responsible or find any resolution to my error authorizing with a fraudulent person. I really thought it was somebody I knew when it wasnt. Thats why I gave the approval. XXXX doesnt want to help because it was an authorized transfer and Zelle doesnt want to help because they have no fraud protection with clients and I did it via Zelle but through my bank provider not with them directly. The last thing I have done was go to police department and file a case with them about disputing the charge but I know it will sit on the desk and not do anything about it.
04/23/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60653
Web
On XX/XX/XXXX I disputed an account from XXXX XXXX on my report. The information says transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. I received results in the mail with the same incorrect information still reporting. On XX/XX/XXXX I filed a complaint to the company. Their response still has not removed the incorrect information. This letter is in response to your recent claim that XXXX XXXX has verified this account to be accurate. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX. I am unaware of ever transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner with this bank. Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this transacting ( or attempting to transact ) in an unauthorized or prohibited manner, bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the file you maintain under my Social Security number. You have 15 days to verify this information and to provide me with a document bearing my original signature. If you can not, I am demanding removal under the Fair Credit Reporting Act. This report is severely restricting my banking abilities.
08/16/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MD
  • 21401
Web
While searching for an apartment I was contacted by an individual named XXXX XXXX I now know to be impersonating a leasing agent. They claimed to be from XXXX XXXX XXXX. They sent me photos of an apartment, sent me leasing information, and an application. I filled out the application ( see attached ) and asked if I could tour the apartment. They told me it was unavailable to tour until the current tenant moved out. They encouraged me to sign a lease anyway as they had lots of interest in the property. The housing market where I live is incredibly competitive so I believed them and moved forward with the process. I received a pretty believable lease and was asked to send a security deposit ( {$550.00} ) and 1 month 's rent ( {$700.00} ) via Zelle on XX/XX/XXXX. I started feeling bad after sending the first month 's rent ( payment confirmation attached ) and asked to see the apartment before sending the rest of the money. I received no response. After a while, I realized I had been scammed. I told them I knew they were falsifying information and demanded my money back. The person I had been corresponding with unsent all their messages, luckily I have screenshots. As far as I'm aware the company has taken no action, I immediately reported the scam to my bank ( XXXX ) which refused to reverse the transaction as of XX/XX/XXXX.
07/31/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77642
Web
XXXX XXXX XXXX closed my account ending in XXXX with an outstanding balance of {$220.00} which was paid in full by consumer on XX/XX/2022. I received faxed letter from XXXX XXXX XXXX that account paid in full. I was not notified in that letter that there was " Suspected Fraud Activity ''. Since there is no outstanding balance for account ending in XXXX, the issue is the notation of " Suspected Fraud Activity '' related to that account which XXXX XXXX and Early Warning Systems are reporting and therefore causing harm to me the consumer ( preventing me from opening any other bank account ). This " Suspected Fraud Activity '' notation totally contradicts the statement in XXXX XXXX XXXX 's response letter ( attached ; page XXXX ) which states " Our records do not show any fraud claims being filed with XXXX XXXX XXXX against any transactions on the accounts reference above. '' XXXX XXXX XXXX submitted transactions which supported this statement. Why is the " Suspected Fraud Activity '' being reported which is causing harm to the consumer. This ongoing harm is a violation of my right to privacy as well as violating my other federal rights. Since XXXX XXXX XXXX has demonstrated that there are no transactions supporting fraudulent activity, the " Suspected Fraud Activity '' noted is an inaccurate description and must be deleted.
03/23/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • AL
  • 366XX
Web
XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/1978 XXXX XXXX XXXX XXXX, Alabama XXXX Early Warning XXXXXXXX XXXX XXXX XXXX XXXX, Az XXXX ( XXXX ) XXXX Dear Early Warning Services, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on an Early Warnings report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your failure to positively verify this account has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. Please verify the following account or remove it immediately : * XXXX XXXX XXXX XXXX Account # XXXX Closed for overdraft- XXXX XXXX illegally charge me overdraft fees. * XXXX XXXX XXXXXXXX XXXX Account # XXXX * XXXX XXXX Account # XXXX Closed-Purged- illegally charged overdraft fees. * Account Closed by XXXXXXXX XXXX Account # XXXX no knowledge of this account please verify. Sincerely, XXXX XXXX
06/14/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TX
  • 77016
Web Older American, Servicemember
I was contacted on XX/XX/2021, by someone calling from XXXX stating that they were a representative from XXXX XXXX which is my electric provider stating that I was on a disconnect list for that day for my power to be cut off.. I advised them that my payments were up to date and he stated that there was a system error causing a glitch in their system that why they were reaching out to customers and to avoid having the electricity turned off I would need to make a payment to be taken off the list and I agreed to make a {$250.00} payment to keep my lights on and was advised that I could pay thru Zelle but before the payment could be made the call dropped but was called back from XXXX. He walked me thru the process of using Zelle through my online Banking for Bill Pay with Zelle and provide XXXX ) XXXX then stated that the first payment did not go thru and try again if he sees to request he would decline one of them after about 15 minutes I retried then I saw the first payment go thru but it was too late and he stated that he would cancel the second one but never did that when I got suspicious and I contacted my electric provider and my account was in good standing. Then I reached out to my bank to see if I could put a hold on the payment. I contacted my electric provider. Transaction numberXXXX and Transaction numberXXXX
01/28/2020 No
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NV
  • 89148
Web Servicemember
I attempted to purchase a dog from what I thought to be a reputable breeder. The website was XXXX XXXX XXXX and I had arranged to purchase a dog on XX/XX/XXXX. I was told to use the Zelle app to transfer {$800.00} to the seller, and because I have purchased dogs before online and that Zelle was an app my bank, XXXX XXXX XXXX XXXX, used I was not aware of any potential problems. Once I used the app, the money transferred over from my checking account, and I learned that the seller was not actually a dog breeder and I was scammed. I discovered the scam within 4 hours of the transfer, and attempted to call the website and my bank to cancel the transaction. The website did not return calls and the bank said that Zelle transfers could not be undone. I was not provided with any notices or disclosures that helped me to understand that Zelle was not covered by any insurance like a regular debit card would have been. Zelle advised me that the transfer was voluntary, and so they were not responsible. My bank let me know the transaction was not secure, even though it was the only third party money transfer available on their secure mobile app. I am confused as to how Zelle can not stop or reverse charges that are transferred to another checking account if fraud is suspected ; I thought there should be a provision under Reg. E?
03/07/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NY
  • 10461
Web
To Whom it may concern : On XX/XX/XXXX XXXX XXXX ( email address : XXXX, address : XXXX XXXX XXXX XXXX XXXX, NC XXXX ) sent me an email requesting my freelancer translation service. They agreed to send first half of my payment ( XXXX dollars ) on XX/XX/XXXX. The pay check was issued through XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX The pay check arrived via XXXX ( Track number XXXX ) and carries more dollar amount ( XXXX ) than what is in the agreement ( XXXX ). My son helped me to deposit it on XX/XX/XXXX at chase bank location XXXX XXXX XXXX ATM machine. At this time, XXXX pressured me aggressively to return the difference through Zelle to : XXXX XXXX His Zelle associated phone number : XXXX Name on account : XXXX Since my bank showed the check was cleared and fully available, I sent XXXX dollars on XX/XX/XXXX and XXXX dollars on XX/XX/XXXX to the above through Zelle respectively. The same day they received the money, XXXX XXXX informed me my account was over drafted, since the XXXX dollar check is fake. My address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX My phone number is : XXXX Sincerely, XXXX XXXX XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX ( 2 days ago ) to me Also, if you have XXXX, you can send the balance of {$650.00} via XXXX to the XXXX information below : XXXX XXXX
08/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 92104
Web
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Has Violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
09/15/2023 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Wrong amount charged or received
  • NC
  • 275XX
Web Older American
On Thursday, XX/XX/2023, I used the XXXX money transfer services to send {$110.00} from my back account with XXXX XXXX XXXX. I received a verification from my bank an hour later that the money was taken from my checking account and sent. A couple days later, I checked with the vendor that should have received the money but they said it never arrived. I trust the vendor because I have purchased from them before using a credit card. This is the first time I used XXXX services. I first contacted my bank ( XXXX -- XXXX ) and spoke to XXXX who was very helpful. She verified that the transfer was sent through XXXX, a service XXXX XXXX XXXX offers. She gave me the XXXX transaction ID of XXXX. I took that number and contacted XXXX customer service ( XXXX ) and they say they couldn't help me, to call my bank which I already did. I asked the XXXX employee on the phone why she could not trace the transaction and she refused. In fact, she hung up on me. The reason for this complaint is that this XXXX service has taken my money and not delivered it to its intended destination. Furthermore, they would not look into where the money went. I believe my money was accepted under fraudulent pretense. Please let me know if you need any other details. Thank you for the service you prove. I appreciate what your organization does.
08/17/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MD
  • 20723
Web Servicemember
XXXX XXXX XXXX and Zelle - XX/XX/2022 - Approximately XXXX EST - Scammed amount is {$300.00} I was scammed {$300.00} via XXXX XXXX using the company Zelle putting a hold on the money and the buyer/scammer had to send an extra amount for the hold to be lifted and I have to return it. I was in a verbal phone call with the scammer and I was manipulated and pressured. I have called XXXX XXXX XXXX immediately and I was transferred to the Zelle Fraud deparment. An agent stated he filed a claim and it will take 45 days to get a result. He also stated that what happened to me was a scam and not a fraud since I " authorized '' the payment, and zelle most likely will not credit me back the {$300.00}. My complaint is why they even bother putting a claim and get my hopes up when it's almost not gon na get credit back. I even borrowed that money from my dad and it added more pain to myself. I do understand I'm at fault as well, but everybody makes mistakes especially if I was being manipulated. Additionally, I never have received any warnings from both Zelle and XXXX XXXX XXXX about these type of scams, If I had gotten this information from them maybe I would have not made the mistake. Please whoever is reading this and will handle this, I beg you to save me from awful emotions I'm having right now. Thank you..
03/24/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 32822
Web
I was trying to sell my guitar through XXXX XXXX XXXX on XX/XX/2023 for {$470.00} when I was contacted by a scammer who made an offer to purchase my guitar. They asked me for my Zelle pay information, which I provided and received what looked like a Zelle email stating that the money in the amount of {$870.00} was sent to my account, but couldnt be disbursed because the amount was too large. It asked me to send {$400.00} back so that Zelle couldnt disburse the proper amount into my account. After realizing Id been scammed I immediately contacted my bank which is XXXX and they opened a claim for the scam. On XX/XX/2023 XXXX informed me that Zelle had closed the claim and denied their request for a courtesy refund. Neither Zelle, nor XXXX asked for evidence of the e-mails I received from my scammer or the messages leading up to the scam, despite being told by a specialist that XXXX would provide me with a temporary credit while the investigation was being conducted ( which was received ), as well as being advised to keep screenshots of the exchange with the scammer, because they might be used for the investigation. Neither XXXX, nor Zelle knows how to protect their customers, not how to reimburse them when money is lost due to a lack of security measures which have made these scams such a common occurrence.
01/24/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other service problem
  • CA
  • 90027
Web Older American
In XXXX of 2021, I fell victim to a telephone scam masquerading as the XXXX XXXXXXXX XXXX using the Zelle money transfer service, for the amount of {$3500.00}. I filed a fraud complaint with XXXX XXXX XXXX, and 60 days later, without explanation, the money was refunded to my account. I have since left XXXX and moved my finances to the XXXX XXXX XXXX XXXX, where I tried to reestablish Zelle as a service. I was very surprised to find out that my mobile number and e-mail have been put on a block list by the Zelle corporate entity, Early Warning Systems or https : //www.earlywarning.com. My bank, XXXX, tells me that they ( XXXX ) can open access to Zelle to my account, but if there is any future fraud loss, XXXX will be open to severe fines and penalties from XXXX. Furthermore, I am told that consumers using Zelle have no fraud protection whatsoever, and advised that I use XXXX or XXXX. XXXX tells me that can not comment and I have to go back to my bank, which tells me the decision was made by XXXX, not them. I am stuck in a loop. How are payment transfer companies like XXXX regulated? Or is it a freewheeling company that exists outside of government banking regulations? I am pursuing this on social media but wanted to let the CFPB know how consumers are defrauded by this faceless corporate entity.
11/14/2015 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • NV
  • 89115
Web
XXXX and the early warning System are reporting derogatory information to XXXX Pertaining to frivilous debt that im not responsible for Im a victim of fraud and identity theft since XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are the Perpertrators. XXXX XXXX WAS AUDITED IN XX/XX/XXXX BY THE Irs tax examiner for claiming fauld dependenr deductions. They also opened a checking account A Business Account with XXXX and a XXXX acct with XXXX XXXX bank then had me investigated by consumerinfo Credit collection Agencies are reporting incorrect information about my income Residential Address and XXXX XXXX XXXX is displaying incorrect information about my nane and sex. The division of the general service administration is reporting derogatory information about me. I was convicted of a crime but my civil liberties are restored. I am discriminated against in XXXX XXXX by federal entities because the assused me of a frivelous homicide which i would have been proven innocent if i had of appealed to the united states of nevada supreme court. Every since i came back to las vegas ive experienced nothing but casualties and theft of identity and fraud and more retaliation by the state of Nevada parol Commissioners. I am the owner of XXXX XXXX I was Audited in XX/XX/XXXX By XXXX XXXX Of The XXXX for over payment of funds
10/03/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • AZ
  • 86314
Web
My name is XXXX XXXX. On XX/XX/XXXX or XXXX 2023 my previous landlord sent a partial refund on my deposit in the amount of XXXX and some change. My landlord sent money via Zelle to my phone number XXXX. I got a text message to that number saying that the funds will be available soon. However I do not have a Zelle account. My wife has a Zelle account through XXXX XXXX XXXX XXXX I tried to set up an account through Zelle but each customer service associate that I have spoken to has directed me to XXXX saying that my phone number is associated with a XXXX account. My money is now in limbo. Zelle refuses to help me and XXXX is also not able to do anything to help. I have my money somewhere in the system and no one is able to help me. I find it disheartening that Zelle nor XXXX is able to assist or even understand my situation. They both keep blaming each other. I have never had a Zelle account, I just recently began trying to use Zelle. And I have never had a bank account or a XXXX account. The only thing I need to happen is for my phone number XXXX to be deleted completely from Zelle and XXXX. I also find it frustrating that there is no one else to turn to when it comes to dealing with Zelle. Horrible rude customer service. I feel bad for any elderly people who have to deal with zelle with no resolution.
03/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 366XX
Web
XXXX XXXX Account # XXXX D.O.B XX/XX/XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Re : Error [ s ] on consumer checking account screening report. Dear Early Warning, I am writing to request a correction of the following information that appears on my Early Warning System consumer report : Account Number # XXXX Date open : XX/XX/XXXX Date Closed : XX/XX/XXXX You reported this account closed for cause-purged. Please send me a copy of the validity of this debt and delete this debt from my Early Warnings report. In accordance with Fair Credit Act 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Thank you, XXXX XXXX
07/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • FL
  • 33126
Web
Ive contacted The XXXX XXXX more than one also contact the consumer reporting agency to get the issue resolved. XXXX XXXX XXXX Is reporting statements and addresses that are causing me serve distress preventing me of employment, banking and also defamation of character. It embarrassing to have such a statement written about me. Ive never committed any fraud with anyone nor do I owe any balance. Ive contacted XXXX XXXX XXXX multiple times asking for validation of this this so called account. Ive attached both what the XXXX XXXX has written about me and also the response of XXXX XXXX XXXX. They only send me Bank Statement that clearly has an address that doesn't belong to me nor am I associated with it. The XXXX XXXX removed this Account over a year ago than turn around months later and resubmitted it to there reporting system. XXXX XXXX XXXX is violation of 15 USC 1692 for reporting inaccurate information and also sending their logo via communications. The XXXX XXXX is also in violation of 15 USC 1692 for sharing my private information in which I never gave consent to and also sharing misleading and inaccurate information. attached is proof of my address, identity and also Exhibit A XXXX XXXX reporting wrong information Exhibit B XXXX XXXX XXXX proof of violation 15 USC 1692 ( B ) ( 2 )
08/08/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • VA
  • 226XX
Web
There was man who named himself XXXX XXXX XXXX and told me that I missed Jury duty and I had 2 sitations. 2 sitations XXXX Failer to appear XXXX XXXXXXXX XXXX He called me at XXXX. With each sitation he also told me I had warrants for my arrest if I didn't comply and pay XXXX per sitation. He also told me to get my money back I must report at the next federal court on XX/XX/15 to the next court appearance at XXXX XXXX at XXXX XXXX XXXX XXXX, VA. Also I must pleade my case of why I missed the first Jury Duty trail at XXXX XXXX. XXXX, XXXX, Va. I had to pay the fines to stay out of XXXX and pleade my case. He told me the method of payment was Zelle. This guy had a very professional voice and was so believeable and smart he tricked me into giving him the entire XXXX. He told me to send it to the clerk on Zelle to the name XXXX XXXX XXXX. That is the person who the money transaction was made to. I did file a police report and told my bank since the Zelle was through my XXXX XXXX XXXX. They seem to be giving me the run around and I have been a member for over 15 years. I really learned a valuable lesson on scams to never give money over the phone to anyone even if it was a pretend sheriff. I really needed that XXXX for my wedding and I am very hurt this happened to me. Hope they catch this guy.
10/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • MD
  • 21234
Web
I have been disputing with Early Warning Services since XX/XX/2021, they furnish information about me that is inaccurate and unfair and violates 15 USC 1681. They have re-investigated and claim that they have validated the debt but they have failed to send me proof of the re-investigation procedures and according to 15 USC 1692, they do not even have the power to validate a debt. I have suffered from the information they hold against me and can't open bank accounts and the one account I was able to open was frozen along with money that I deposited into the account. They also have violated 15 USC 1692 ( k ) and owe {$1000.00} per violation. They have violated 15 USC 1601 ( I ) because they committed fraud, they furnish a deceptive form to create a false belief about me. They also didn't complete the first investigation I did in XX/XX/2021 in a timely manner of 30 days and refused to delete the false, inaccurate, and unfair information they furnish from their system. They had a manager contact me and apologize for them not doing their job but never fixed the problem. They don't send any of the proofs that constitute validation of a debt according to 15 USC 1692 and therefore I want them to delete the information they furnish and compensate me for the obvious disregard to United States federal law.
10/21/2023 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Fraud or scam
  • MN
  • 551XX
Web
On XX/XX/, I was contacted by an individual claiming to sell pharmaceuticals. After placing an order, they stated the medicines could not be directly shipped to the USA. TwXXXX supposed logistics companies- XXXX and XXXX - then demanded additional shipping fees totaling {$45000.00}. Foolishly, between XX/XX/XXXX and XX/XX/XXXX I provided the funds as requested through a series of transactions via Zelle as well as other services - XXXX XXXX XXXX, XXXX and XXXX XXXX - not realizing I was being scammed. I maxed out my XXXX XXXX, XXXX, and XXXX XXXX credit cards taking cash advances to fund these accounts and send payments. In total, at least {$800.00} was withdrawn from my XXXX XXXX credit card, and {$5200.00} was ultimately sent through Zelle. The various crypto, XXXX and money transfer platforms were simply used as pass-through services to funnel money to the scammers ' accounts. I did authorize these transactions but Zelle failed to monitor and halt this unusual activity which emptied my retirement savings. I am requesting the full {$5200.00} be reimbursed and fraudulent charges reversed, along with an investigation into the lack of consumer safeguards. All supporting documentation is attached. Please help recover these devastating losses and hold the companies enabling them accountable.
01/17/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75044
Web
Early Warning Systems has allowed XXXX to not only add inquiries to my Early Warning Report but also has allowed them to open accounts. I did not authorize XXXX to open neither a checking nor savings account in my name. This only occurred after my wallet was stolen and my identity was contained inside my wallet. I am not a member of the military and you have to either be a part of the military or a part of the military family to obtain membership. My Family is not part of the military either. Therefore the membership is fraudulent. I have notified Early Warning Systems and haven't received any documentation back from this I have not even received a copy of my report they promised to send to me. My Address needs to be updated in their system. These accounts are fraudulent and as a result of Identity Theft. I am attaching my Identity Theft Affidavit. Please block all XXXX inquiries and Accounts. In Addition to the XXXX Accounts I see XXXX XXXX accounts on there as well now. These again are Fraudulent. I did not authorize XXXX XXXX to Allow Checking Nor Savings accounts to be opened in my name. Please follow proper procedures in blocking the inquiries and the fraudulent accounts in which i did not authorize. Once completed please send me a new copy of the early warning systems report by email.
10/02/2018 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • OH
  • 44108
Web
I sent a XXXX scammer some money through XXXX, they never delivered on their side of the agreement. I tried to have the transaction stopped by XXXX IMMEDIATELY AFTER I sent the money and realized the sale was a scam but XXXX REFUSED to even open an investigation before the funds were delivered the next day. I filed a police report ( attached ) later in the evening. The following day I contacted XXXX and they initiated the claim. They said they would investigate the transaction and that they would be contacting the other bank scammers bank ( XXXX XXXX ). A few days later I received a letter saying that my claim was denied and there was nothing I could do. I asked them if there was any way they could shut down the scammers account and XXXX said that was up to XXXX XXXX. They also said I should contact XXXX to retrieve the money since it was through their service. XXXX XXXX will not discuss another account with me because I'm not their customer. I've tried contacting XXXX but they will not speak to me since the transaction was filed from my bank and said I should resolve the dispute with my bank. XXXX and XXXX seem to be pointing the finger at each other. Bottom line : XXXX doesn't take their security seriously and XXXX doesn't care about it's customers or trying to stop fraud before it happens.
05/23/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 94044
Web Older American
On XXXX I received a fake fraud alert on my phone about my credit card misuse. I responded to a phone call immediately and the person said he was from my XXXX XXXX XXXX XXXX XXXX fraud alert center. His phone number and texts showed the XXXX which led me to believe it was from my real fraud alert calling me. I fell for his scam and gave him my credit card, debit card, and bank login ID. At the time I was not at my computer. Afterward, when I received my second fraud alert, which was real, I called my bank and was told the first fraud alert was faked. The scammer used my bank ID and changed my password and transferred {$500.00} from my account to an online bank, Zelle bank. I requested that my bank freeze my account, block my credit card and debit card and see if I can get my money back from this Zelle online bank. I also filled out a fraud banking form last Friday with my bank. The scammer name is : XXXX XXXX XXXX maybe he is in a group of scammers since his name is on the bank fraud form ) Scammer email : XXXX. I fell victim to a fake fraud alert, fake phone number and fake email of my bank. Please alert other seniors of this new scam and I hope you and others can help to catch the scammers, especially this type of scams that target seniors. Appreciate your help. Thanks. XXXX XXXX
03/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • XXXXX
Web
It has come to attention that there are reports of fraudulent consumer reports being disseminated, containing invalid and incorrect information that violates an individual 's rights to privacy. Such reports may include sensitive and private information that has been inaccurately reported, misrepresented, or deliberately falsified, and which could potentially harm an individual 's reputation, financial standing, or other important aspects of their personal or professional life. This activity is in violation of various laws and codes that protect individuals ' rights to privacy, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the General Data Protection Regulation ( GDPR ). Under these laws, individuals have the right to access and dispute inaccurate or incomplete information in their consumer reports, and consumer reporting agencies have a legal obligation to ensure the accuracy and privacy of such information. Therefore, any dissemination of fraudulent consumer reports that contain invalid and incorrect information is considered a serious offense and may result in legal action, including civil and criminal penalties. It is important to report any such activity to the appropriate authorities and take steps to protect one 's rights to privacy and personal information.
03/08/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • LA
  • 700XX
Web
I was offered money to put a XXXX decal on my car. The check ( over {$2500.00} ) came in the mail with a list of instructions to do with the money, the first being to text XXXX XXXX. XXXX then said to deposit the check and let him know when it cleared I woke up the next day to a text from him saying that the check had cleared and to send two Payments through Zelle for the amount of {$990.00} each to XXXX ( XXXX XXXX ) and the other to XXXX ( XXXX XXXX ). So I did what XXXX XXXX said and sent the money on XX/XX/XXXX and it seemed legit. He said someone would be at my house to install the Car wrap on Monday XX/XX/XXXX. I tried calling XXXX XXXX multiple times and the phone line eventually said that the number was no longer in service. I checked my bank account and the check was put on hold as of XX/XX/XXXX. My account is now negative because of the fraud check so I reached out to XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX in XXXX Wisconsin to ask if they work with the XXXX XXXX XXXX. The president of the company is on vacation and wont be able to get back with me until Wednesday XX/XX/XXXX, but the XXXX XXXX told me they currently have an open investigation to find the suspect. I called my bank ( XXXX XXXX ) and filed claims but they can not do anything until the situation is resolved.
12/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • CA
  • XXXXX
Web
On XX/XX/2021, I sent a complaint AGAINST EARLY WARNING SERVICES , LLC in regards the mailing this company is sending to me IS ALWAYS LOST. I REQUESTED EARLY WARNING SERVICES , LLC SEND ME CERTIFIED MAIL IN ORDER TO AVOID " THE LOSING MAIL '', WHICH IS STOPPING MY CASES BE CLOSED LEGALLY. TODAY I CALLED TO EARLY WARNING SERVICES , LLC WITH AGENT CRISTAL, AND SHE TOLD ME THAT EARLY WARNING SERVICES, WILL NOT ANSWER ME ANY OF MY DISPUTES, DESPITE THE FRAME TIME THE BANKS HAVE TO ANSWER ME IS OVER, SHE ALSO TOLD ME THAT EARLY WARNING SENT ME YESTEDRDAY XX/XX/2021 A CORRESPONDENCE THAT I HAVE TO ANSWER IN ORDER TO CONTINUE WITH MY DISPUTES TO THE FRAUDULENT STATEMENTS AND REPORTS THE BANKS ARE MAKING TO MY PERSON. I REQUESTED THE TRACKING NUMBER OF THE MAIL SENT ON XX/XX/2021, AND SHE TOLD ME THAT THEY WILL NOT SEND CERTIFIED MAIL TO ME. I ASKED HER TO ASK ME BY PHONE WHAT IS WHAT THEY NEED IN ORDER TO ANSWER MY DISPUTES, AND SHE TOLD ME THAT SHE WOULD NOT TELL ME ANYTHING BY PHONE. I COMPLAINT FROM EARLY WARNING SERVICES , LLC FOR THE SUSPICIOUS ACTIVITY THEY CREATE IN ORDER TO AVOID TO CLOSE MY REPORTS LEGALLY. IT APPEARS EARLY WARNING SERVICES , LLC ARE COVERING UP THE BANKS IN ORDER TO CONTINUE A HATE CRIME FROM BANKS THAT ARE WRITING AND REPORTING MY ACCOUNTS AND MY PERSON FRAUDULENTLY.
03/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • WI
  • 53221
Web
Early Warning Systems is reporting that my XX/XX/XXXXbank account was closed due to " checking account fraud. '' I contacted Early Warning Systems twice in writing about this to dispute the report but they claim thatXX/XX/XXXXXXXX XXXX verified it as accurate the first time and declined to reinvestigate it the second time without new information. XX/XX/XXXX Reports that I committed checking account fraud and that my account is " unpaid. '' I have never committed any fraud and I don't owe them any money. They also report a different driver 's license state and ID # on file for me. I have a Wisconsin driver 's license and they show a California driver 's license on file. Although I provided a copy of my Wisconsin driver 's license to Early Warning Systems, they refuse to investigate my claim without new evidence. EWS states thatXX/XX/XXXXverified the information they reported. I contacted the consumer protection department at XX/XX/XXXX to request documentation or to confirm the reason for the closure of my account but they refused to send me any documentation. I also requested that XX/XX/XXXX correct the report but they declined. The agent only stated that the bank made a " business decision to close the account ''. I'm unable to open a new bank account as a result of this reporting.
07/11/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • PA
  • 17268
Web
On XX/XX/XXXX I was searching for a cabin to rent in Tennessee for a family vacation from XXXX XXXX XX/XX/2022. I was contacted by private message from XXXX XXXX XXXX stating that he had a cabin that I was looking for. He sent me a link for a XXXX listing, when I asked why the dates I needed were unavailable I was told he had a cancellation. So after talking it over with my family I agreed to rent the cabin. XXXX sent me a rental agreement with the company name of XXXX XXXX XXXX which I filled out and returned to him. I sent him a deposit in the amount of {$700.00} via zelle on XX/XX/XXXX and then a final payment of {$690.00} on XX/XX/XXXX. I received an invoice for the payments via email. On XX/XX/XXXX I tried to contact XXXX to confirm the check in and he was no longer online and would not return my email. So I looked up the listing and contacted the company XXXX and was transferred to XXXX XXXX XXXX I spoke with one of the representatives and asked about my rental and was told that I did not have a rental booked and that XXXX did not work for them they told me that I was scammed but didnt offer to help me find another cabin. I immediately contacted my bank and they put in a dispute with zelle and I was told that it was denied and nothing else can be done to recover my money.
02/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 93711
Web
I had an account with XXXX XXXX XXXX checking account number XXXX, was closed by bank and bank reported to credit service on XX/XX/XXXX as Checking account Fraud. I received detailed consumer report from Early Warning Systems today XX/XX/XXXX wherein I came to know the reason for my previous account closure with XXXX XXXX XXXX, as of this negative reporting XXXXXXXX XXXX put a temporary hold on my account and initiated account closure. I called Risk department of XXXX XXXX XXXX at XXXX spoke with XXXX XXXX Employee ID XXXX, to know the transactions which bank deemed to be fraudulent but XXXX was not able to provide any information, as the Early warning report states all the ACH transactions since my account opening with XXXX XXXX XXXX. XXXX stated she is not able provide me details of the transactions which initiated account closure for fraudulent transactions and said I need to speak with Claim/ Dispute department at XXXX, I called them and spoke with XXXX XXXX employee Id XXXX, she said she can only raise claim or dispute to any transaction/s which I dont recognise and cant help me with information or activity which initiated fraudulent transactions on my behalf and account closure and I need to speak with Risk Management department. Please help me to solve this matter.
08/31/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • GA
  • 30519
Web
An account I follow ( XXXX XXXX ) on XXXX raved about quick returns on XXXX investment she did with ( XXXX XXXX ) and I started a conversation with her to invest {$1000.00}. This person has a fake website with login & all. The received the money & confirmed that they have traded for XXXX- after about 12hrs they asked for more money {$500.00} to upgrade brokerage account so as I can withdraw profits out of it. I sent {$500.00} as a charge ti upgrade brokerage account. After couple of hours they were like, the trade they bought for me had low signal and would not actualize into profits if the signals not upgraded and I would lose the original {$1000.00} too. If I dont send additional {$3000.00}. I was like no way im sending {$3000.00}. Then the person on other side like okay you pay half & Ill take care of the rest. And after sone conversation I sent $ XXXX broken into {$800.00} & {$700.00} ( through XXXX XXXX XXXX XXXX which has been refund ) payments. And post that they tried to hack my XXXX & I refused to use any link sent by them. Reported to the bank & Zelle within 2 days, the accounts were removed from Zelle but the amt hasn't been reversed- if XXXX can reverse a XXXX XXXX XXXX payment seeing the case why can't zelle help? XXXX XXXX XXXX - website used by the scammers.
08/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • IL
  • 60621
Web
I recently had my Name placed on the Early Warnings list for Fraud by XXXX XXXX XXXX, for years I have been battling Identity theft. Each time I open an account with my information its get closed because they person that stole my information is able to get into all of my stuff, I recently had that same person hack my email so any information I get or any identity theft protection I use. the theif is able to get into my email and unblock any attempts I use to keep my stuff from being used. now that my social is all burned up I can't open any account in my name. I have been placed into XXXX XXXX and Early warnings because of this and I'm left fighting to get my life back after the low-life that stole my information is done ruining things for me. it is extremely upsetting because no matter how many reports or complaints I make. the Authorites just keep telling me that they don't have enough information to go on. I just want my life back, I want to open a normal bank account without having to get my checks direct deposited to XXXX XXXX which is hacked every other week. This is nerve wrecking. criminals get away with this XXXX ( excuse my Language while hard working people like myself are left trying to repair the damages. I NEED HELP, I WANT MY LIFE BACK WITH A STABLE BANK ACCOUNT.
11/08/2018 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Managing, opening, or closing your mobile wallet account
  • MD
  • 20817
Web Servicemember
The company responded to a previous complaint by quoting part of their User Service Agreement : To participate as a User, you must first enroll with XXXX. You must provide XXXX with an email address that you regularly use and intend to use regularly ( i.e., no disposable email addresses ), a US mobile phone number that you intend to use for an extended period of time ( i.e., no burner numbers ), and we may ask you to provide your mailing address. I provided all the requested information, and this company even sent me an email confirming that I was able to enroll for their service. However, after enrollment I was unable to use XXXX to send or receive money. I spoke with two of their reps over the phone just now, XXXX in first level customer support and XXXX in second level customer support. They both confirmed I could not use XXXX, even after I successfully enrolled, because I get free mobile phone service. This company policy of enabling users to enroll but then disqualifying them from using their money transfer service disproportionately affects minorities and the XXXX, of which I am both. To add insult to injury, this company seems not to be following its own user service agreement, which at first glance seems to enable me to participate in their money transfer service.
04/05/2018 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Managing, opening, or closing your mobile wallet account
  • GA
  • 30907
Web
I started using XXXX as a company I deal started using this as the only form of payment. The app work great for the first 2 months. On XXXX18 I was notified that a payment sent to me was returned. I contacted XXXX and talked to several Reps who stated they did not see a problem but would " tweek '' the account. Several hours later I was unable to log into my account. Again, after speaking with several reps I was told I was no longer eligible to use the service. When I inquired as to why was there a problem with my bank account or debit card so that I could try to correct the problem. I was told they could not/would not tell me only that I could not use the app. I was totally surprised as they did not want to help, only cancel my account. This is the only was the company will pay me. They treated me rude and would not tell me why they deleted my account. They also first refused to let me speak to a supervisor. When I finally did speak to one she stated she could not go into detail with me and there was nothing more she would do.?? I was wondering if my account was hacked or compromised, but again she would not tell what the problem was, only that " I '' could not use the app. I have good credit and am financially sound. There are no reasons I know of to be treated this way
10/24/2023 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • IL
  • 60087
Web
On Tuesday, XX/XX/2023 at XXXX, I received an email message from " XXXX '', stating that I won a prize. The email stated : " XXXX XXXX XXXXXXXX ''. The message stated to contact the shipper XXXX XXXX Delivery, at : XXXX XXXX XXXX XXXX XXXX', using XXXX XXXX XXXX XXXX XXXX XXXX She " XXXX '' stated that I won an XXXX and an XXXX laptop. I texted the " shipper '' and he requested that I send {$50.00} for expedited shipping fee from XXXX. He said to use phone number XXXX ( Under the name XXXX XXXXXXXX XXXX Delivery ). Then he texted & said I would get an email from XXXX. I ended up getting an email from " XXXX '' requesting that I send {$100.00} for insurance. I thought this was odd because the email did not come from XXXX. I asked the " shipper '' why this email did not come from XXXX, & gave me some fishy excuse. I asked the person/shipper to refund my money. They asked for my phone number so they could refund my money back to my bank account. They said they did, but I NEVER received a refund!!! The Zelle confirmation of the money I sent is # XXXX. I filed a fraud complaint with my bank XXXX XXXX XXXX and also filed a fraud complaint personally with Zelle. My bank filed their own complaint directly to Zelle. I was denied a refund. Please see attached supporting documents.
04/20/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33054
Web
Okay so after continuously disputing with XXXX XXXX to remove the false record that they placed on my Early Warning Services Report, ( someone had falsely applied for a student loan with XXXX XXXX, and also added a cosingner ( unauthorized ). I did not know until XXXX XXXX XXXX XXXX Placed A Hold on my account because of the EWS reporting, I then called in to dispute, XXXX XXXX XXXX had refused to offer me any information or help so I contacted you guys CFPB and they finally investigated and agreed to Permanently remove their records from EWS. ( TAKE A BREATH WITH ME BECAUSE THERES MORE! ) That entire process took about two months for you guys ( CFPB ) to solve it in about two weeks. Wow. NOW, I went ahead and contacted EWS just to make sure both companies were on the same page, and EWS tells me that XXXX XXXX cant request for the records to be removed, EWS says they provide access to banks and credit unions and and its up to XXXX XXXX to remove it which is frantic because they removed my record from another company. So now EWS will keep the record. I offered to send them the letter they provided me an email and told me I can use the letter to start a new disputing process which could take possibly another two months meanwhile my account with XXXX XXXX is still on hold!
06/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77450
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
02/04/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 77407
Web
On XX/XX/2023 i attempted to purchase a pet XXXX cat through a website that seemed legitimate to me. ( XXXX ) I spoke with a person who went by the name XXXX XXXX about the process of shipping the cat to me and he asked for an initial payment of {$1200.00}, followed by multiple requests from the alleged shipping company for additional payments for shipping and electronic crate rental which i was told would be refunded and never heard back from them. Payments were {$1500.00}, {$500.00}, then {$620.00} totaling {$3800.00} of my hard earned money that i eventually learned i was completely scammed out of. These payments were all sent though Zelle on my XXXX XXXX XXXX app Throughout the process they were giving me detailed information about the cat i was expecting and even asked if Id like to change his name on the certificate. Once all payments were sent they completely stopped responding and i didnt hear back from XXXX or the shipping company. Once i realized this was a scam i immediately called my Zelle and my bank ( XXXX XXXX XXXXXXXX ) and told them about the situation and they attempted to reach out to the merchant but they were unsuccessful in recovering my funds. I really need the CFPBs help in recovering my funds as i worked long hours to earn that money
04/28/2018 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • XXXXX
Web
On XX/XX/XXXX, I lost {$60.00} to an online scammer who was supposed to provide a product. I did not feel safe using XXXX or XXXX to buy it, & the XXXX he created wouldnt allow me to send money that way, so I thought a bank transfer would be safe, legit & protected. The only way to easily transfer money through your bank is to do it through XXXX. So I transferred the money that way, & as I feared, was never given the product, never got a response back, & his account shut down. So I go back to XXXX to get my money back & explain what happened. Come to find out you cant cancel XXXX payments if the receipient already has an account. But that is the ultimate scammers dream platform! Victims feel safe to transfer the money because its through their trusted bank, but then XXXX offers no protection so the frauds & scammers win each and every time. Millions are lost to frauds & scammers everyday & this company is aiding the criminals by giving them the trusted platform to make it happen. XXXX is truly taking advantage of the trust weve all established for our banks. This is preposterous that theyre even partnered with all the most reputable banks. When will good stop being victimized by not only individual scammers, but big, corrupt companies who have no moral ethics?
01/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30228
Web
Went to XXXX XXXX XXXX to open checking account ( s ) in 2017. I requested to open 2 checking accounts for 2 different types of employment. Instead of explaining to me that I could or couldn't open 2 checking accounts, personnel in the branch groped my personal information from me and brought back to me a checking and savings account. After leaving and performing 2 or 3 test transactions to the accounts, I learned it wasn't 2 checking accounts that were opened. XXXX XXXX XXXX stole my personal info and over 5 months later behind my back reported me to Early Warning that I had committed fraud. Early Warning then sided with the fraudulent bank branch and put my name in Early Warning for " suspected fraud '' after reviewing info from XXXX XXXX XXXX showing the transactions of " {$0.00} monetary loss ''. This kept me from being approved to open a simple bank account with several different banks. There was no fraud in using {$50.00} to simply open 2 separate accounts. This problem has persisted, Early Warning continues to hold my name on file for " suspected fraud '' with no proof or showing of any fraud. This was identity theft by both institutions working to commit a hate crime and use branch power to hide their activity. There is NO evidence of fraud by me.
11/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33021
Web
You continue to ask me for information regarding this account when the law states that YOUR COMPANY must share documentation with me verifying the reporting of this account. Anyone or any company could put anything they desire on my consumer reports. Without proper verification, I can be responsible. According to Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). You must provide me ANY original documentation ( a consumer contract with my signature on it ) as required. You have violated this law. ( {$1000.00} fine ) According to the FCRA Section 611 ( a ) ( 7 ), Furthermore you have failed to provide the method of verification as required. Your company has violated this law. ( {$1000.00} fine ). Since you have not properly and lawfully verified this account. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Your company has had several lawsuits filed against you for lack of proper verification. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
02/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • FL
  • 32256
Web
Early Warning Services is a fraudulent information bureau that violates the Privacy Act of 1974 as well as many other laws. They hold information on consumers without them even knowing it or without getting their consent. Early warning services very existence is illegal and they need to be shut down. This is my second complaint because all they did was give me the runaround from my first complaint. I was told that if I sent my drivers license and social security card over Early Warning ServiceXXXX would send me my report. They did not do any such a thing. They sent me some generic response saying I should dispute anything that isn't accurate, but like 90 % of the people they hold illegal information on have no idea what is on the early warning services report. What is the CFPB even for if you do nothing after these filing? You don't even check the violations to see if the company tried to correct anything. This whole thing is a scam including this process. You got ta pretty much beg multiple times to get big business in America to stop doing unlawful and illegal things. Early Warning services is build on unlawful operations and needs to be shut down. How can all these bureaus exist affecting the lives of American who don't even know they exist.
07/23/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • PA
  • 18940
Web
received several text alerts about fraud that was trying to be done in mY account. And I followed the steps that I usually do when that happens. I then received a call from a XXXX XXXX XXXX employee who was in fact a fraudster. He went through all the proper steps that employees go through when verifying an account. After we verified everything I was scammed out of {$1400.00} and it was zelled to another bank. I called filed a claim reached out to XXXX XXXX XXXX & they denied the claim, said I should reach out to the scamming bank to try and resolve anything. When I reached out to that bank ( XXXX XXXX ) they would not help me in giving me any information and told me to go back to my bank. Zelle would not give me any information on who the scammers are or if they even shut them down! How can the company, Zelle, and XXXX XXXXXXXX XXXX & XXXX XXXX no one help me. I have been scammed out of {$1400.00} and NO ONE a can give me answers. I have spoken to my local police department and it seems so hopeless. In speaking to my bank they said this is a big issue with fraudsters impersonating every step of their security protocols. BUT how are consumers suppose to know whats real and what not if the very protocols put in place to secure us are in fact not secure?
09/08/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • KY
  • 40475
Web Servicemember
On XXXX XX/XX/2021 I was looking around for rental property and found them on XXXX Was told to fill out an application which they sent me through email. I did fill it out and send it back. The application included my SSN as well as other information. They came back and said we were accepted for the property and that they were missionairies out of town in Ohio and that after I wired over the deposit of {$1000.00} that they would mail me the keys. I thought this was a bit fishy but ok I did so. Then today they sent me the lease to look over and sign. Everything looked on the up and up in the lease so I signed it and sent it back. At this point they asked for the first months rent and an HOA fee of {$1500.00}. This is when it really raised a flag because there was no mention of an HOA fee anywhere in the listing nor on the lease. I then checked out the same property on XXXX and saw that there was a property manager XXXXXXXX XXXX XXXXXXXX. I contacted them and gave them all of this information and they said that the property did not belong to this person and that it was a scam. I should also mention that the wire transfer through Zelle was to be sent to their " son '' a XXXX XXXX phone number ( XXXX ) XXXX. I only sent them the initial amount of {$1000.00}.
04/19/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 300XX
Web
I filed a XXXX XXXX XXXX complaint against XXXX XXXX XXXX on XX/XX/2018. I disputed these accounts through XXXX and Early Warning Systems. The accounts came back " verified '' with no attach proof. My filing with the XXXX resulted in XXXX XXXX XXXX producing paperwork of transactions that went on with these accounts. That is not what I requested. I specifically asked on the first line of my complaints for copy of the signatures used to open these accounts so I could compare them to my own. I have never opened accounts without providing my signature and my ID. So, XXXX XXXX XXXX has completed ignored that request and produced a stack of irrelevant papers containing account transactions and refused to delete their damaging and incorrect reporting. According to the documents it seems no money is owed to XXXX XXXX XXXX, but they have listed fraud next to my name in reports with Early Warning System and XXXX. If they are suspecting fraud, they should have no problems complying with my demand for validation of signatures and IDs used to open these accounts. I have a right to know whether or not they collected valid identifying information. It seems they are dancing around this and opened these account for someone and did not collect validating documentation.
12/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • AZ
  • 85208
Web
Early Warning is reporting incorrect and/or inaccurate information about me and my banking information and is full of errors. The The Fair Credit Reporting Act ( FCRA ) law for inaccurate reporting states that Inaccurate, incomplete, or unverifiable information must be removed or corrected. Also, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Early Warning is required to report 100 % accurate and correct information of each consumer. My personal information is being reported inaccurately. My banking information and history are being reported by Early Warning inaccurately. I would like my personal information, my banking information and my banking history reported 100 % accurately. Any information that is not accurate, complete, verified and 100 % correct must be removed. I also request that any Bank and any inquirer that I did not expressly give written consent to report to Early Warning be REMOVED from my report. Otherwise the written consent with my wet ink signature is here by requested. In case that written consent is not received the account must me removed.
06/13/2022 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • NC
  • 280XX
Web
I was selling my daughters dance costume over XXXX for {$200.00} I was contacted on XX/XX/22 from someone asking to purchase via Zelle. Information sent for her to send to send money to and I did received some type of email confirmation that payment had been sent then on XX/XX/22 Received an email that my account can not receive payment due to low limit and and buyer needed to send me {$800.00} To increase the limit on my Zelle account and to refund the {$800.00} to the buyer which was done, received message on XX/XX/22 That server had updated overnight and buyers account had been double charged the {$800.00} and to send another refund and that all purchases and money transferred would be held into an account Until all checks and balances made and then would be redistributed received another message on XX/XX/22 That an XXXX Fee of {$2000.00} had been Applied and the buyer would need to pay this and I reimburse the buyer I have copies of all emails and pictures of account transfers from said buyer, I then received another email on XX/XX/22 In regards that everything was almost settled but another fee had been applied a {$1500.00} and that the The buyer we need to pay this and be refunded I have not made any transaction in regards to this {$1500.00}
07/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 020XX
Web Older American
I have had a SEVERE problem with Early warning Systems regarding a report regarding XXXX which was an account I was held responsible for even though I was the victim of a Romance Scam which I have ample proof of. I was called by Early warning Systems about 2 weeks ago and was told that the " XXXX file '' was being taken off my report and I could re-activate my XXXX XXXX XXXX XXXX account. I therefore contacted XXXX and asked them to re-run the early warning report, but instead of activating the account, XXXX closed my account as early warning did not fix the problem as reported, and now I am RUINED financially and barely surviving as I have been the victim of multiple of Identity thefts and hacks and as a XXXX year old need to really have some help, and managed even get statements from the woman who did this to me as contacted me again as she was trying to " drag '' me into another questionable transaction but I have her blocked now and I am requesting some specific assistance as I face so many issues now that I am worried about pure SURVIVAL. Is there some way that I can put together all the documentation and ask for the CPFB to intervene into this complex case which did yield me not a XXXX and now I can not even open a bank account ... PLEASE!!!
09/22/2018 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 92078
Web
I responded to a XXXX ad to buy 3 XXXX concert tickets on XX/XX/22, the day of the concert. After some text message correspondence the seller and I agreed on 3 tickets for {$320.00}. I agreed to make the payment via XXXX and to receive the tickets through our XXXX account. The seller called me to walk me through transferring the money from my XXXX account to his, he seemed pleasant and helpful. He was on the phone with me until I confirmed the funds were transferred and he had me email him a screen shot that the transaction was completed. The minute he got the email confirmation from me he hung up and ignored my calls and emails. I called him from a different phone number and he answered but hung up as soon as I told him who I was. I called XXXX XXXX within 5 minutes of making the payment and they advised there was nothing they could do. I then called the local sheriff and they sent an officer to take my report. The officer said there was nothing they could do. I cant believe XXXX XXXX would allow this type of service to be used through their banking sites. XXXX has no protection for consumers and makes it easy for scammers to take advantage. I trusted my bank and I feel violated because XXXX XXXX offered the XXXX service directly from their app.
05/17/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 90744
Web Servicemember
On Saturday XX/XX/XXXX of 2021 XXXX XXXX. While on my second XXXX page " XXXX '' I seen a sselle that goes by the name of XXXX that was advertising XXXX XXXX for sale " {$30.00} each shipped ''. I contacted a seller about purchasing 2 of the XXXX XXXX ( XXXX ) XXXX XXXX they claimed to have. The seller informed me of what forms of payment they accepted and I chose to use Zelle. The cost of my purchase was going to be {$60.00}. I sent the money and the confirmation of the sent money. The seller stated they received it. After that I did not hear anything back from the seller. So on Wednesday XX/XX/XXXX of 2021 @ XXXX XXXX I contacted the seller asking if they had sent the items we purchased. They said they had sent it & had the shipping information. I requested to receive the tracking information of the shipped items ( XXXX XXXX ( XXXX ) XXXX XXXX ). But they did not send any tracking information I sent 4 more messages requesting the tracking information or a refund for more times that same day. They still claimed to have the tracking information but did not provide it. I sent four more messages requesting it and have not heard back since. This is the information I've been able to retrieve on the seller : XXXX XXXX XXXX XXXX XXXX XXXX
02/14/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • 11756
Web
This morning on XX/XX/2022 I received three phone calls from XXXX which is XXXX customer service number at 10:27 AM and 10:28 AM. When I answered the third phone call I was told that there was fraudulent activity on my business account and that someone by the name of XXXX had registered a XXXX XXXX account under my Zelle. I was told that all of my banking transactions would be put on hold and that in order to reverse this process I would have to send {$5000.00} to myself with the account that was registered under XXXX to put the money back into my account. They had also sent text messages with codes that I needed to read them.I was skeptical and questioned this process and was told by the employee that they were indeed XXXX bank and they would never jeopardize their job. I did the transfer and was told that I would get an email. Two minutes go by and The phone hangs up abruptly. I called back the number and was connected to XXXX and was told that I had been scammed. XXXX did help me with filing a report with Zelle and told me that they were going to handle talking to XXXX XXXX. I do have screenshots of the phone number that they called me from and all of the text messages that the scammer sent me for the XXXX XXXX account and the Zelle account.
10/17/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • VA
  • 23452
Web
On XX/XX/2019, I attempted to open an account due to information obtained from : Early Warning Services , LLC, Attn : Consumer Services, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX, it was denied. I faxed correct forms and 2 ID copies to this agency on XX/XX/2019 and received confirmation it was received. They only ask for one, but I furnished them with two IDs. They have refused to furnish me with my consumer report claiming ID was not readable. I have an exact copy from the fax machine showing both IDs are clear and legible. This agency wants to report something negative to the bank I attempted to open an account with no regards to the consumer and no verified proof the information they are reporting is correct and has failed to allow me to obtain a copy of what they are reporting so it can dispute the information. THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER!!!!! Such agencies are allowed to report anything they want on a person with no regards as to how it effects people. The consumer is required to jump through hoops to protect their rights while this agency reports inaccurate information. The burden of proof and the effort involved to correct errors is ridiculously placed on the consumer while agencies report whatever they want!!!!!!!
05/13/2021 Yes
  • Money transfer, virtual currency, or money service
  • Money order
  • Fraud or scam
  • TX
  • 77004
Web
I posted a bed to sell on XXXX XXXX app. Then a user named XXXX said her step father, XXXX XXXX, was interested in buying it and gave me his email : XXXX. I then contacted him and he said he would send a mover to check the bed and pick it up and send me the money as a cashier check to my home address. He also mentioned he was going to send more than the price of the bed and asked me to pay his mover who was going to pick-up the bed. I received the cashier check and deposited it at the bank and garbbed the mover 's money in cash. Then he messaged me saying the mover wanted the money wired to him instead of cash. So I sent the {$1600.00} to the mover with the information I got from the buyer through Zelle : XXXX XXXX XXXX. The buyer also gave me an alternative Zelle contact information incase the first one did not work : XXXX XXXX : XXXX. This was all on XX/XX/XXXX. On Tuesday XX/XX/XXXX the day the mover was supposed to come I got a message from my bank ( XXXX ) that the check couldn't be deposited due to an issue. I then called XXXX customer service and found out it was a fraud and I had lost {$1600.00}. The buyer was no longer answering my messages, emails, or calls. And due to the fraudulent check the bank decided to close my bank account.
12/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 305XX
Web
Date : XX/XX/22, I sent them a letter heres my tracking number. XXXX to Early warning. 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. This is harming my ability to obtain checking accounts and credit. Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau , I request that you immediately delete this information from my checking account reports. This company did not process my dispute when I sent this with tracking.
11/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • FL
  • 33180
Web
On XX/XX/XXXX, I made a dispute with the Early Warnig company where he kindly demanded that certain information be reviewed in my credit report, which was outdated, incomplete and even without information. I requested that this information be disputed with the corresponding companies so that it could be modified, corrected or removed from my report. Unfortunately, as the weeks went by, these companies reported that the information was correct and accurate. On XX/XX/XXXX, I made the dispute again detailing the information that is wrong and even the outdated or incomplete information of my report, so that it was again corrected, or removed from my report. On XX/XX/XXXX, I received an email notifying me that my dispute is frivolous and that I can not dispute this information because it is correct, where in the tests you can see that it is completely incorrect, but in a very unpleasant way, the agent who attended me informed me that they can not do anything that they do not have the obligation to report anything again or remove any information, where they are violating the FCRA laws that requires that all the information they present in my report must be correct and accurate or Otherwise, this information should be removed immediately.
06/30/2016 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • SC
  • 29841
Web
XX/XX/2106, I was notified by Early Warning Services that information resulting from Identity Theft was being reported by XXXX and XXXX XXXX XXXX XXXX regarding charged off accounts that were abused and subsequently closed. I disputed the information with them several times, but the banks continue to " verify '' the information as " accurate '' even though multiple records are being reported with social security numbers that are not mine. On XXXX XXXX, after attempting to resolve this situation with them to no avail, I sent to Early Warning Services a letter requesting the information be blocked in accordance with FCRA 605b which included a copy of the police report stating the identity theft and institutions which were involved per policy. Since then they are still refusing to block the information from being reported claiming that it is up to the banks to delete the record and they have no responsibility to block the information. I attempted to contact them multiple times on XX/XX/XXXX and XX/XX/XXXX requesting a supervisor in attempt to resolve this situation or receive clarification and they are refusing to speak with me further. I am extremely frustrated as I have done everything required and am still not receiving any resolution.
03/26/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 77429
Web Older American, Servicemember
Ordered health supplements ( pills ). Was hit with {$35.00} shipping fees. Paid with Zelle from XXXX XXXX. Was then told that order could not be shipped until " refundable fee '' of {$250.00} was paid for insurance. Pills and shipping were XXXX but couldn't be sent because the " insurance '' had to be paid first. Bait and Switch. Email lists no names, addresses, phone numbers, etc. No professional payment forms, etc. Is using names similar to legitimate businesses. For example : XXXX XXXX XXXX out of XXXX ; The XXXX XXXX used for The XXXX XXXX XXXX ; uses Telegram channels for XXXX XXXX XXXXXXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Just a quick message to everyone that has paid, your package has been dispatched for delivery. Orders within XXXX, XXXX is currently 24hours-3days maximum while XXXX is 5-6days with a tracking ID provided. Drop your orders for following meds Order Ivermectin For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Click the website to order https : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- As soon as I complained about the BAIT & SWITCH, I was blocked from that channel. Doubt if it was a legit channel for XXXX XXXX anyway.
06/14/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75082
Web
XXXX XXXX XXXX stated they blocked and or removed the fraudulent accounts from my XXXX XXXX XXXX Reports however they did not. There are several inquiries listed on my XXXX XXXX XXXX Report. One of Which is from XXXX XXXX and shows that an account was opened on XX/XX/2017. I have not ever opened any accounts with XXXX XXXX at all. These accounts if they were attempted to be open or opened are fraudulent. I did not apply for any accounts or services from this bank. Additionally there is an account on there from XXXX XXXX which i did not apply for nor have i received anything from this bank and this account is Fraudulent as well. Additionally i have not attempted to open a bank account in almost 4 years. There are inquiries listed on my EWS report from XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. I did not authorize any of these inquiries i haven't attempted to open a bank account either i want all inquiries listed on my report blocked. I have reported this to XXXX Police Department. Additionally you have addresses on there that are fraudulent as well XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX.
07/15/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 90027
Web
Parties involved- XXXX bank, Zelle XXXX and myself Note of what occurred : On XX/XX/XXXX, and XXXX I sent over XXXX transactions to my landlord after receiving a government check from XXXX XXXX XXXXf - both transactions were for $ XXXX {$4000.00} in total- since I have sent him a payment before via Zelle and he received it- this was on XXXX XXXX- I pushed the repeat button to do the transaction again. After an investigation, it was found that the account number was off by one digit. Zelle claims that it is my fault, but thats impossible. I had used Zelle to send money to this account in XXXX of XXXX, so I just hit the repeat button to send it the second and third time. Since my landlord received the funds back in XXXX, he should have gotten the money these last two times as well. But apparently someone at Zelle must have input the wrong account number. This money came from the Federal agency responsible for helping those affected by Covid I also reported to my bank the week of XX/XX/XXXX that there was unknown activity within my bank. I contacted the bank- and was told that my account was fine. They did not note this in my file. I have requested several times for a manager to contact me from the bank with no response from management
02/10/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • OR
  • 972XX
Web
Hi, I ordered a corgi puppy to buy from a vendor through an online website. The vendor reached out to me with details about the puppy in the email. He charged me 850 $ for the puppy and told that it would be transported from north Caroline to XXXX. Once I submitted 800 XXXX the vendor told me that he started the shipment process with XXXX XXXX XXXX service. Once this started they sent me a tracking page on their website. Within a span of 1 day they charged me a total of XXXX . They asked me to pay for below mentioned amount and said that it would be refunded back with completion of delivery. Payments asked on XXXX XX/XX/2022 - 1800 $ for puppy crate. - paid XXXX $ for puppy travel insurance. - paid Payment asked on XXXX XX/XX/2022 - 3000 $ for vaccination - paid Payment asked on XXXX XX/XX/2022 a 7000 $ for quarantine facilities for the puppy. - unpaid Also they sent me emails with payment details and only asked for payment via Zelle. Attached screenshots with this complaint. I realized that this is scam and immediately reached out to bank. As all transactions were made over Zelle they said they cant guarantee full returns. Information of scam vendors- XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX - XXXX XXXX
07/16/2015 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • NY
  • 11369
Web
I am complaining against Early Warning because they are denying me my FCRA Right to block fraudulent information that is reporting on my early warning file. I went to open up a checking account and was denied because of information that is reporting on my early warning file. The fraudulent information is being reported by XXXX, XXXX XXXX XXXX, and XXXX XXXX. I have never had any type of banking relationship with these institutions. I filed a police report with the XXXX County Sheriffs office and listed these accounts on the police report. I filed a complaint with the CFPB and attached a copy of the report and got a response from a XXXX XXXX. He requested for me to fill out their identity form which I did and returned to him by email. I contacted today their customer service number because today is the fourth business day in which they have to block the fraudulent information per my police report. They are denying me my right and telling me that the information is sticking to my file. I explained to them how could this be legal and they are telling me that is what is going to be and I can file a rebuttal. This can be considered a rebuttal through the CFPB portal. This is not legal and I need this matter resolved as soon as possible.
06/24/2023 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • OH
  • 436XX
Web
I was in the middle of floating on a river my mother ( also my XXXX XXXX ) calls Me in a panic and tells me that someone from XXXX XXXX called and also stoped into the XXXX and let her know that in 45 mins our power is scheduled to be turned off due to missed payment. Now mind you all our bills are on auto pay. She tells them XXXX gon na have to have her daughter call them she tells me the number they called off and also the number I can call to make a payment This is the number they called from XXXX This is the number they told us to call back XXXX And gave us a ticket number to gave XXXX The guy that came in was just a normal guy with a XXXX XXXX shirt on. I called them they had the XXXX XXXX automated system sound and voice on their phone like they recorded it before. I argued with the guy about my bill he said he had to look into my file ect. Said I owed XXXX for two months and I had fees from being late.. Said I had to bill pay it online I had to Zelle itI did that. They tried to get more money out of me. I realized it was a XXXX scam. Started arguing with them they came out of character. Wouldnt give me my money back My bank wont do anything about it because I zelled it but its so messed up they were convincing. XXXX
01/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • NJ
  • 077XX
Web Servicemember
On the XXXX of XXXX, 2020, I attempted to open a checking account with XXXXXX/XX/XXXX. They could not open an account because of information that was provided to them by a company called EARLY WARNING, out of XXXX Arizona. The bank provided me with the information of obtaining my consumer report from the above mentioned company. Upon calling the company on the XXXX, the representative sent me a form that I had to fill out and was told that they would email the report in 7-14 days. After no follow up from the company, I called them on the XXXX of XXXX and they stated that they had not received my request for the report. They then said that they would mail me a letter that I would have to receive, then call them and read them the letter before they would provide me with my own consumer report. I am a victim of identity theft and need the report to ensure no other fraudulent accounts are open. The company refuses to issue my report to me without making me go through hoops. It is illegal for them to withhold this information that they have affecting my ability to open a new account. I had to close previous accounts because of the identity theft. The company should be charged and held accountable under the consumer protection laws.
04/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28079
Web Older American
Early Warning Is still reporting fraudulent information. They have deleted and blocked this information over a 1/2 a dozen times. They have reinserted it illegally. The law 605B of the fair credit reporting act tells the CRA very specifically what they need to do with the claim of identity theft. Part A states they have to block within 4 business days of receiving the information from me. B tells the CRA they must notify the furniture sure of the information that the block was requested and that they blocked it. C is the most important section of this complaint. Its early warning breaks the law because C only gives them 3 reasons to rescind or decline a block. 1. Error. 2. Materially false info. 3. The CRA has proof that goods or services were received from the blocked transaction. None of these 3 things exist or valid, so when early warning removed the block they rightfully placed to begin with, they are IN FACT, breaking the law. XXXX has never responded to my complaint here because they know they are lying. Early Warning simply believes XXXX lies. I will include early warnings last 2 acts on this account, only two days apart. Also 605B of the FCRA, The notarized police report and id. All 4 parts of the law i need to provide.
10/19/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • AK
  • 99645
Web Older American
Found a post on XXXX selling XXXX XXXX. It was from a reputable breeder that I had been aware of for several years. I contacted them through XXXX XXXX and we chatted extensively for several days to secure the transaction. On XXXX I sent them XXXX $ to process paperwork transfer of the cat in the XXXX ( association of cat breeders ). From their name to mine. On XXXX, I sent them {$820.00} to complete the sale and pay for the transportation of the cat from Alabama to Alaska. On the evening of XXXX, not even 4 hours after sending the money, the scammer disappeared from XXXX completely. I could no longer message them, nor reach them with an Audio call. I came up with a phone number for the actual breeder that they were impersonating online from their website, and called there. She answered me back via text that she had no idea who I was. We chatted and I discovered that she had had nothing to do with this sale, did not have the cat in question, and that I had been scammed. She said she was aware of someone impersonating her and using her XXXX certificate from XXXX to do so. She had reported this to XXXX, but they had done nothing. I contacted my bank- where the funds had been transferred via Zelle, and disputed the transactions.
05/20/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NY
  • 10543
Web
I saw an ad on a trusted website ( XXXX ) looking to adopt a puppy, I applied for one and the owner contacted me the next day. The original price was {$75.00} and the puppy was a female, but when I talked to the owner he changed the price to {$120.00} and that the puppy was male. I told the owner that I didn't want to pay until I saw the puppy in person but we came to the agreement that I would pay {$50.00} upfront and the rest when I met him and the puppy. Over time he tricked me into paying another {$50.00} to the vet that was his neighbor. I talked to the vet for a while and they sounded similar and typed in a similar way, and he asked me to pay {$25.00} for his ride which was never part of the agreement. In total I ended up paying {$120.00} and when it came time to meet the puppy and the vet at the chosen meeting spot he never showed up and denied ever getting the last payment. I talked to my bank and they said that he did ( I paid through Zelle on the XXXX XXXX app ), he kept saying that I never did pay and that I needed to send another {$25.00} dollars. I told him that I wanted all my money back. Later that night he tried to call me and asked for another {$50.00} via XXXX. I have all the screenshots, I added them below.
12/05/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NE
  • 685XX
Web
I was selling a locker on XXXXXXXX XXXX and the person messaged me on XXXX XXXX asking about it. They said that the only way they could pay was with Zell when they sent me the {$200.00} on XX/XX/XXXX I said that was fine because my bank uses that but then I received an email that said they needed to send an additional {$200.00} so I can get my money but I needed to send them the {$200.00} back after my account was made I tried multiple ways to send them the {$200.00} including Zell XXXX, and finally sent the money via XXXXXXXX XXXX when I sent the {$200.00} I received another email from Zell stating I needed to send {$500.00} so I can get my money but I had to send it in increments of {$200.00} {$200.00} and {$100.00} so again I did this through XXXX XXXX and received another email stating I needed to send {$1000.00} at that point I knew this was a scam and I was telling the person that it was a scam but they were adamant I needed to send {$1000.00} which I did not. I have tried disputing this through my bank, and through XXXX XXXX, without success, Zell will not help me either even though they were the original people please help me getting my money back. I am out {$600.00} due to the {$100.00} never went through my bank.
09/21/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • FL
  • 33309
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Consumer ID : XXXX RE : XXXX XXXX XXXX XXXX I was trying to open a bank account and I was informed that I was in XXXX XXXX and EWS. I attempted to get it resolved as I don't recall ever having a delinquent account with XXXX XXXX. I just received a response letter from XXXX XXXX via a CFPB complaint and they are saying that they are unable to verify my identity. If they are unable to verify my identity then that means that they are unable to verify who any alleged accounts associated with my name and consumer ID number may belong to. That being the case, any information that is being reported on me on XXXX XXXX and Early Warning Services is unverifiable an unable to be reported legally. As per section 611 of the FCRA. This inaccurate and unverifiable information needs to cease and desist from being reported immediately and also be deleted permanently. All of the alleged account numbers are attached All of these accounts need to be deleted and I am hereby seeking remedy of {$400000.00} for violations of the FCRA section 611 as well as damages for willful negligence and pain and suffering. Please make the payment to the name and address listed above and delete these accounts.
07/28/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NY
  • XXXXX
Web Servicemember
I am currently serving in the United States military and back in XXXX of this year ( 2021 ) I was contacted by a Individual on XXXX stating that she was a manager at XXXX and that can get me a grant for being in the military the grant totaling of XXXX. I jumped at the opportunity of having such a large sum of money and agreed to enroll in the grant, After I agreed the Individual started to ask me for money stating that She would cancel the grant if I don't loan her money. Me being trustworthy and stupid I agreed to loan the " XXXX manager '' money through zelle on the chase app over the next couple of months totaling to a little over XXXX. The only reason I did so was because I was expecting to get repaid through the grant and that a good friend of mine who is also in the military said that he knows the Individual and that she tried to get him to agree to the grant as well. Long story short it been a few months and I've tried with my bank but ultimately they were of no help They just reffered my to speak to the Authorities and speak to the people behind zelle. I've been losing sleep and stressing over this loss and I'm hoping that whoever sees this can help me get even a fractions of this back, I would be forever grateful.
06/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 782XX
Web Servicemember
In XXXX and 2017 Early Warning Systems, a proverbial boil on one 's arm pit, continued to lie and make false pretenses via this United States federal government portal that it had indeed found I was a victim of identity theft and under the FACTA AMENDMENTS it would freeze or place a 7 year alert. Well that's rich I received word, because these fraudsters who have my SSN repeatedly attempt to open accounts, from XXXX XXXX who I have not applied nor solicited, the application was online so says the bank and further the Ip address and device fingerprint is not mine, but most troubling was not that it was denied, that should have absolutely happened as I have not asked Early Warning nor XXXX XXXX or XXXX XXXX to unfreeze rather it was denied because Early Warning Did allow the dissemination of my report to the bank and it contained the same fraudulent information it has now sworn it had deleted, but again like the festering XXXX it is Early Warning continues to cause irreparable harm and violate my rights under the FACTA AMENDMENTS to the FCRA and state law. They also engaged in unfair and deceptive acts that are so numerous it doesn't even shock me anymore. I demand this be investigated and corrected this is my final warning!
06/14/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NY
  • 11040
Web
XX/XX/23 I inquired the scammer about a rental apartment unit they advertised on XXXX. The following day, XX/XX/23, they requested a {$75.00} application fee be sent via Zelle in order to process my submission. After they approved the application, they requested {$1000.00} sent via Zelle as a down payment. We agreed on me sending {$500.00} first, then the remaining {$500.00} after I received the keys and legal documents for the rental unit. They sent pictures of their alleged photo ID to " verify '' their identity and authenticity. However, after I sent the {$500.00}, they insisted on me sending the additional {$500.00} via Zelle before any further action. At this point, I tried reversing the transaction, as they repeatedly stated that all payments made were refundable. They refused to send my money back unless I sent them an additional {$100.00} via Zelle. They claimed their bank would not allow them to send the money unless I was in their transaction history, thus the {$100.00} Zelle request. I did not send any additional money and filed complaints and disputes with my bank, XXXX XXXX XXXX, the FTC, New York 's Attorney General 's office, and Zelle on XX/XX/23. None of the aforementioned parties have contacted me since.
12/06/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • IA
  • 502XX
Web
{$200.00} and {$300.00} were sent on XX/XX/XXXX. Scammer said they wanted to buy a product I had listed, said I needed to have a business application, then that there was an overpayment. During all this I was receiving edited emails from Zelle that the scammer had edited but failed to edit the amounts and my name. Kept trying to get me to send more money saying once they received it then Zelle would deposit all the money I had sent along with the price of the item. Opened a police case, case with the bank and contacted Zelle. Zelle basically said they couldnt do anything about it b/c they were authorized yet the scammer has since deleted their Zelle account XXXX I was notified by my bank of the decision and that they would be reversing back out the XXXX amounts from my account. I have also opened a case with the general attorney office. Zelle has also said that the restriction on my account cant be lifted even though they placed the restriction on my account. Zelle knew exactly what scam I was talking about, but their policy is that they arent responsible for anything basically. I dont know how any banks can be promoting Zelle and they dont have your back on anything and nothing to prevent fraud or scam from happening.
12/15/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • NY
  • 11706
Web
I attempted to send money to my mother from my XXXX account by using Quickpay by Zelle. My mothers name was used to identify her as the intended recipient but I mistakenly sent it to a phone number that no longer belonged to her. The unidentified person at that phone number accepted the money. I attempted to get money back by filing claim with XXXX because the intended recipient was obviously not the person at that phone number but my mother who was identified by her name. XXXX said that they could not refund money, that Zelle was a separate company that processes the subject transaction, and that Zelles policy when processing transactions does not take into account a persons legal name ; Zelle only uses the phone number. I attempted to contact Zelle to complain about this absurd policy hidden in the fine print of its terms and conditions, as every normal banking customer memorializes who they intend to pay by using that person or entitys name not their phone number. Unfortunately, it was impossible to get in touch with a representative and a pre-recording stated that I should contact my banking institution anyway because Zelle does not have customers personal information contradicting what XXXX advised me to do.
06/08/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 95132
Web
On Tuesday ( XXXX ) at XXXX XXXX I was looking at a sublease listing online for XXXX XXXX for a month lease from XXXX to XXXX and they asked me to Zelle them money to secure the sublease ( XXXX XXXX the following day- XXXX ), resulting in me being scammed a large sum of money ( {$3200.00} ). The people were frauds but the apartment itself existed. There was an actual tenant still living there and the actual broker of the apartment was someone who was completely different from the person I have been messaging. I tried to file a police report on this but that didn't work either due to the fact that I first contacted these scammers in California and it wasn't under NY jurisdiction. I contacted XXXX and they mentioned that Zelle transactions were technically approved by me. I am shocked and distressed and I need my money back. I am hoping that CFPB can help me rest my case. There must be something you can do to help me get my sum back. I am not sure why I am not able to attach documents but I have all the receipts including the person who I first contacted about the listing, the listing itself, the supposed " landlord '' who asked me to Zelle them, and the Zelle receipt showing that the transaction has been made.
09/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75150
Web
my personal information was used without my permission to open fraudulent bank accounts and bank inquiries. I have contacted the consumer financial protection bureau, police department, and consumer banking reporting agencies Early Warning system, XXXX XXXX, and XXXX XXXX to notify them of the unauthorized activity that needs to removed per federal law FCRA XXXX. XXXX consumer ID XXXX Early warning consumer ID XXXX 2 fraudulent bank accounts : XXXX XXXX opened XX/XX/XXXX account number XXXX XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX 20 fraudulent bank account inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/15/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • VA
  • 23464
Web
MY NAME IS XXXX XXXX. I HAVE TRIED TO OPEN A NAVY FEDERAL CREDIT UNION ACCOUNT IN ORDER TO OBTAIN A AUTO LOAN WITH MY MOTHER, WHO IS A XXXX XXXX, AS A CO SIGNER. MY ACCOUNT WAS CLOSED AND WAS DETERMINED TO HAVE BEEN REPORTED TO EARLY WARNING SYSTEMS FOR FRAUDULENT ACTIVITY, AND PLACED ON A BLACKLIST FROM A TRANSACTION ON OR ABOUT XXXX XXXX 2013. I CALLED BOTH EARLY WARNING SERVICES LLC AND XXXX XXXX XXXX. I HAVE SUBMITTED AND FAXED ONLINE AND IN WRITING DISPUTE FORMS, ALL OF WHICH HAVE GONE UNANSWERED OR DENIED BECAUSE OF THE TIME FRAME. I AM XXXX YEARS OLD NOW, HAVE A XXXX YEAR OLD SON, AND WAS NOT INFORMED FROM ANY EMPLOYEE ON HOW TO GO ABOUT DISPUTING A FRAUDULENT CLAIM AND PROVING MY INNOCENCE. I NEVER MADE FRAUDULENT DEPOSITS TO MY ACCOUNT EVER, AND NOW THEY ARE TELLING ME THERE IS NOTHING THEY CAN DO ABOUT IT. I AM GOING DOWN TO TAKE OUT A POLICE REPORT WITH XXXX XXXX XXXX, AND ALSO FILING A LAWSUIT AGAINST BOTH XXXX XXXX XXXX AND EARLY WARNING RECOVERY SYSTEMS LLC FOR THEIR ACTIONS. I HAVE TRIED TO MAKE IT RIGHT, OFFERED TO PAY THE 400-SOMETHING BALANCE I AM NOT RESPONSIBLE FOR. ALL OF WHICH MY EFFORTS HAVE BEEN IGNORED. THANK YOU FOR YOUR TIME, I AM AVAILABLE THROUGH EMAIL OR CELL PHONE AT ANYTIME.
08/05/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • UT
  • 84037
Web
On XX/XX/2022, I applied for a scam job. The recruiter claimed to be from the company " XXXX ''. The so-called recruiter who claimed to be " XXXX XXXX XXXX XXXX I looked back on the XXXX information and it looked like they changed the profile to a different photo ) sent me a check and told me to deposit the check to my bank account and use Zelle to transfer the money to their so-called " Vendor '', claiming they would use that money to send me supplies for the remote job. The name of this so-called Vendor was XXXX XXXX XXXX and the email that the money was sent to was : XXXX. The email from the scam recruiter was : XXXX XXXX The check was for {$3500.00} dollar. The check, however, didn't go through. Because of this, I have overdrawn around XXXX XXXX dollars from my checking account. On XX/XX/2022, I filed a claim through XXXX XXXX to do a full investigation on the matter, after 10 business days, they were unable to return the funds because the money was successfully sent to the vendor on Zelle. This made me feel very XXXX. As a college student, this scammer took more than half of my savings away. I did more research online on resolving the issues and filing a complaint with CFPB was one of the options.
10/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92009
Web
Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX | XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a XXXX report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your failure to positively verify this account has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. I have disputed this in accurate report before have called XXXX XXXXXXXX XXXX over XXXX times and they simply say that account has been closed and we have no access to remove the report. I simply ask why is it being reported as Closed for fraud why? Please verify the following account or remove it immediately. XXXX XXXXXXXX XXXX Reported For : Fraudulent activity
07/21/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TN
  • 37363
Web
On XX/XX/XXXX, I placed a XXXX XXXXXXXX XXXX purchase. It was my first time to use this service and I wasn't sure how it worked. I was in communication with someone, in regards to the purchase of an XXXX XXXX. After some confusion, with XXXX XXXX XXXX working and then not, ( Originally, XXXX said this item was covered by purchase protection, but the link didn't work ) we agreed that I would send her the money via Zelle. I sent the amount of {$380.00} to her bank account. She claimed to have not received the amount, and claimed she was having trouble accessing her account. On XX/XX/XXXX, after she again said she hadn't received the money, I told her I was concerned and would report it. She came back and said she called her bank and had received the money. She would mail the phone. She very quickly deleted her XXXX account, she never replied to any other messages and her account said messages unable to send. I immediately contacted XXXX but they said they couldn't help since I didn't send the money properly, through XXXX XXXX XXXX. I contacted the police, who told me to contact my bank. I contacted my Bank, shared all screenshots of the communication and bank details, but they have also denied helping.
04/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • SC
  • 29420
Web
I have an incorrect item on my Early Warning Systems report. The incorrect item is from XX/XX/XXXX which states that my XXXX XXXX account ( # XXXX ) was closed due to " Account Abuse '' and that there was a principal loss of " {$1900.00} ''. These are both false. I disputed this already with XXXX XXXX in XXXX when they made this claim. I never made an ATM withdrawal from my XXXX account on XX/XX/XXXX for {$2000.00} ( nor any other amount ), nor did I make any other withdrawals from my account ( check or ACH ) that would have resulted in this debit. I did not cause a principal loss nor did I abuse the account in any way. I also disputed it with Early Warning Systems in XX/XX/XXXX. However, Early Warning Systems admitted that they only contacted XXXX ( who erroneously confirmed it ), and did not actually investigate the dispute in detail. Specifically, they failed to verify that the letter sent by XXXX on XX/XX/XXXX is false. Therefore, both XXXXXXXX XXXX and EWS have failed to follow the Fair Credit Reporting Act and are in violation thereof. This is directly causing my to be unable to open bank accounts because the EWS report lists this item and banks are denying me basic checking accounts as a result.
04/14/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • PA
  • 160XX
Web
A scammer used XXXX ( XXXX ) to catch me. Was selling " XXXX parts ''. I sent money via ZELLE through my banking app for the amount of {$290.00} to XXXX, on XX/XX/2023 Claimed to be in XXXX, XXXX, CA and needed more money for customs etc. I sent another {$200.00} via ZELLE through my banking app to XXXX on XX/XX/2023 This scammer then used a website, ( XXXX XXXX XXXX ) to create tracking information ( very generic information ) using this as the sender information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When the " items '' made it to my state, I got this massive text message claiming I had to pay another {$450.00} " refundable '' charge and fill out some form, for the local authorities to release my packages. This is when I knew I've been had. That just doesn't happen. According to my bank and ZELLE XXXX contacted XX/XX/2023 ), any payments made through ZELLE is like handing cash to someone. Literally zero protection against scammers. I then had ZELLE report the email address I sent money to as fraudulent. Other than that, there's no actions that have taken place by either ZELLE or my banking institution. I still have all messages/interactions if necessary/needed
03/09/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 75701
Web
In the Escalating Concerns of Continuing Identity Theft, there are Pinpoint Services Errors of XXXX XXXX XXXX Corporate Offices, And XXXX XXXX. As ' of Most Recent, I am still seeing XXXX XXXX XXXX as ' a Report for more than ( 4 ) years on Specialty Credit Reporting for a Simple Checking Account. What ' had happened, Is. XXXX XXXX and I ' agreed to Close a Checking, Savings and a Safety Deposit Box in XX/XX/XXXX in XXXX, Arizona. In XX/XX/XXXX, while spending my Summer in XXXX XXXX, Texas_ I ' found out that ' XXXX XXXX in Arizona did not. close the Safety Deposit Box after, Papers were Signed in XX/XX/XXXX in XXXX, Arizona. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I ' had asked XXXX XXXX for numerous Opt-Outs from their Database Marketing, And asked Corporate for the Removal of Information from their Database, And I ' was Refused. I ' also, Contacted the Branch in Florida a number of times in ( 4 ) years that is, where ' I ' " Originally '' opened my Checking Account, And informed them that ' I was Continually being Solicated in Made Fraud, Theft and Scamming by XXXX XXXX XXXX, And made Additional Reports to XXXX XXXX XXXX Fraud Prevention with No Success in Continuing Pinpoint Service Errors.
02/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • XXXXX
Web
I am sending presenting this complaint on my own behalf, as a natural person, consumer, and without any connection to a third party. There are late payments inaccurately reporting on my credit report and file. It is your grave responsibility to be reporting correct and accurate information on my credit report and file. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes late payments- resulting in CRA violating my federally protected consumer rights. Additionally, I did NOT give CRA written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). The inaccurate reporting of these late payments has caused me and my reputation severe harm and discrimination. Please correct your records and have ALL of these inaccurately reporting late payments changed to the correct status of PAID AS AGREED immediately. I was the victim of a scam and I'm still having trouble because of that.
09/17/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • VA
  • 20120
Web
The recipient were selling event ticket on XXXX XXXX XXXX XXXX XXXX ). I contacted them through direct message. She offered {$350.00} for a ticket and asked to split the payment into two using Zelle transfer. I noticed that the XXXX heading and recipient name did not match and asked for explanation and she said her friend bought the ticket originally and she's selling for them. She sent the screenshot of the ticket, so I sent first payment of {$200.00}. Then they require me to send remaining {$150.00} using the same payment method. I proceeded to transfer. After that, I asked for event ticket transfer via XXXX. However, they resisted to transfer the ticket and asked another {$150.00} for ticket transfer fee. As soon as I mentioned about them being suspicious and reporting this transaction as fraud, they stopped replying to me and they never transferred the ticket. I reported this to Zelle scammer report page that night and have not heard from them since. They should let me know what's going on at least and investigate further to locate that individual or group of scammer and retrieve money back for the victims. This is not their first time and there is at least one more victim other than me.
03/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28079
Web
Early Warning services reported to the CFPB they removed fraudulent information on XXXX. They lied. 605B of the FCRA section C which allows a CRA to reinsert information previously blocked has 3 specific reasons that need to be met before information is reinserted. 1. Error. 2. Material misrepresentation of fact. 3. Proof consumer received goods or services from the blocked account. Absolutely NONE of those 3 are true so they can not be proven. Early Warning gets information that is NOT complete or accurate, yet Early Warning breaks the law by reinserting the blocked account information. I have attempted to contact the furnisher of the fraud info but they have NEVER contacted me back. Lies from the furnisher, the reporting company. The police have cleared me, with hard proof fingerprints that did not match the perpetrator, plus proof I did not open the external bank accounts here the monies transferred were picked up. Yet, XXXXthe furnisher of the fraud info continues to harbor the belief it was me. It is this stupidity and arrogance that is harmful to me. XXXX has NOT responded to my initial complaint, but Early Warning responded they removed the fraud info but put it back into my file.
08/01/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • OH
  • 440XX
Web
I was selling a textbook on XXXX XXXX for XXXX dollars and a woman named XXXX XXXX on XX/XX/2022 reached out to me asking if the textbook was still available. She specifically asked to use Zelle to transfer the money for the textbook. I have Zelle which is linked up to my XXXX XXXX bank account, so I responded with " yes. '' XXXX proceeded to tell me that she sent the XXXX dollars to my account. Later that day on XX/XX/XXXX I received an email that said I needed to contact the sender and send them an additional XXXX dollars so my Zelle account can be upgraded to a business account and the transaction can proceed. XXXX said that the XXXX dollars would be refunded after the transaction. Then on XX/XX/2022 a 2nd email was sent to me from XXXX saying that my Zelle account has still not been fully upgraded and another XXXX dollars would need to be sent to the account with the email XXXX and whose name was XXXX XXXX. The email said after this transaction the XXXX dollars and XXXX dollars would be refunded and the transaction with selling the textbook could proceed. After sending both the XXXX dollars and XXXX dollars I realized that this was not a real Zelle support team email and was being scammed.
12/20/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • MI
  • 48180
Web
On XX/XX/XXXX, a XXXX XXXX checking account was opened with my personal information XXXX XXXX also -added a derogatory mark on my banking report history per XXXX XXXX. After, I conducted my own thrall investigation I disputed the inaccurate addresses, and information associated with the fraudulent account. In results to the dispute, I won in my favor. On XX/XX/XXXX, I received a letter from XXXX XXXX stating, after completing their research I was not the person responsible for the fraudulent account. The letter also stated XXXX allowed to open a checking account inside any XXXX XXXXXXXX XXXX XXXX. On XX/XX/XXXX, I applied for a XXXX XXXX checking account online. With a deposit of {$50.00} dollars from a debit card my application was immediately approved. After several consecutive days of the new account opened. XXXXXXXX XXXX closed my checking account, and never explained as to why. Im disgusted a Bank with such a popular name would treat their consumer in such manner. Im highly disappointed this is a tough time in the economy. Inflation is high. On whos stressed for money has no time for a deposit thats not returned. I've also have not been able to open any future accounts with XXXX XXXX
08/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11040
Web
XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, Attn : XXXX XXXX account # XXXX i have no recolection of this account does not belong to me applied bank account # XXXX this account is paid settled in full i have included an letter stating a XXXX balance from the collection agancy XXXX XXXX account # XXXX account is closed and reports XXXX balance on XXXX so the balance needs to report accurate on all companies XXXX XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXXXXXX XXXX account # XXXX i have no recolection of this account does not belong to me also its reporting twice as XXXX tradelines not mine XXXX account # XXXX i have no recolection of this account does not belong to me XXXX XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXX XXXX account # XXXX i have no recolection of this account does not belong to me FOR ALL OF THESE ACCOUNT I WANT DOCUMENTATION OF THE VALIDITY OF THESE ACCOUNT AND HOW THESE ACCOUNT WERE VERFIED. I WANT PROOF OF MY SIGNUTE FOR THESE ACCOUNTS AS I DO NOT RECALL HAVING ANY OF THESE ACCOUNTS.
01/13/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • PA
  • 189XX
Web Servicemember
This happened on XX/XX/2023. I have been in contact with this person who goes by XXXX XXXX via email. They offered me a position at XXXX, XXXX XXXX for {$35.00} an XXXX. Office equipment was required, so they sent me a check for {$3900.00}. After receiving and cashing the check, the following day ( XX/XX/XXXX ), they told me to send them {$1000.00} through Zelle for the office equipment with the corporate logo. As it turns out, the actual person, XXXX XXXX, was impersonating XXXX XXXX. I have gotten in contact with XXXX since, and XXXX has done this to several people. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, so this seemed legit as she was in the employee archive. I have tried to dispute the charge with my bank, but they said theres nothing they can do. I have filled out the forms to Zelle and sent them to my bank ( XXXX XXXX XXXX XXXX XXXX XXXXo that theyre able to send them to Zelle XXXX XXXX, Zelle says they do not cover issues like this. I need that {$1000.00} back. I will do anything, legal action, whatever. This will put my account in the negatives as the check will bounce as its a fraudulent check. Zelle has no period of refunds and supposedly doesnt refund scams.
04/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30033
Web
I discovered a XXXX checking account & credit card account was opened in my name when I applied for my account with XXXX XXXX in XX/XX/2019. I then contact Early Warnings Services Im disputing this information. XXXX refuse to give me any type of information. When I call to dispute theses accounts no one will speak to me. Everyone I speak to tells me that is been sent over to a team to be worked. No one has contacted me or asked for no type of documents. I have been in contact with XXXX XXXX since XX/XX/2019. I have sent identity theft affidavit, police reports, & all of the requested information. Early Warning continue to tell me the same thing that XXXX said the information is accurate & Im responsible. I will not be responsible for anything that do not belong to me. Early warning told me to send in a rebuttal statement & they will Re-investigate reinvestigate however I have yet to see any documents of any new information. XXXX told Early warning that this said account had direct deposits & etc but I have yet to see who the payee is & company. No one is helping me with this matter & this is becoming more then & issue for me. I have never had an account ( s ) with XXXX.
11/03/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 320XX
Web Older American
Between the dates of XX/XX/2023 and XX/XX/2023 I sent payments what I thought was a reputable breeder for a purchase of a lizard thru Zelle at my bank ( XXXX XXXX ). I found out on XX/XX/2023 that the breeder had scammed me. The web address I went to was on XXXX " XXXX XXXX XXXX XXXX '' to purchase this lizard. Since this happened they have now changed it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' and the one that scammed me is the moderator on this group. I filed a police report and I was told by the investigatior that I was scammed. Since then the breeder changed his profile to another name as well. I did report this to my bank 's Zelle technical customer service to request a refund. The total amount that I have sent thru Zelle was XXXX. Checked on status of this dispute on or around XX/XX/2023 and it was DENIED. I feel that the bank should be a little liable for this transaction after all when I used the Zelle for the first time I had to get the bank to release the hold. They should have warned me or something. Yes I did authorize these payments all the while I was told by the scammer I would get XXXX back on delivery. Maybe others can learn from this experience as well. thank you
09/25/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • TX
  • 77086
Web
I opened a bank with XXXX XXXX XXXX since XXXX. Everything was fine until now. On XX/XX/XXXX, I received an email that said my phone number and email addresses got deleted from Zelle, which means I can not use Zelle with XXXX XXXX XXXX anymore. I called to ask reason why and what happened, they said they do not see any flags or reports that happen to my account, it might be a mistake. They suggest me to call Zelle instead. So I called Zelle and ask the same question, but instead of helping me, Zelle customer service said they can not access to my account because I enrolled Zelle on XXXX XXXX XXXX app, so they can not do anything. But they provided me the information that my phone number got restricted and they believed XXXX XXXX XXXX did that. So I called XXXX XXXX XXXX again, explain to them what Zelle said to me, and they keep saying that they are not controlled anything with Zelle, they can not unblock me or unrestricted me, only Zelle can do that. So I decided to open a new bank which is XXXX XXXX, and it still saying that I am not eligible for using Zelle. In this case, now I believe Zelle blocked my information but they do not accept that and refuse to give me a reason.
12/09/2022 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • WA
  • 98225
Web
On Tuesday, XXXX XXXX, I was scammed out of {$990.00} while trying to buy concert tickets. I saw a post in a local, private XXXX page advertising for XXXX XXXX XXXX tickets for {$250.00} each. The account I was messaging ( on XXXX XXXX XXXX has posts that go back to 2012 and was the account of an actual person. I transferred {$500.00} through Zelle from my bank account for the first installment of tickets. Once that went through, the scammer said they would send me the tickets once I sent the additional money. I sent the rest of the money, and then they demanded a {$100.00} XXXX fee and I realized that I had indeed been scammed. The account blocked me. I requested the money back, but did not receive it. I looked at the account I was messaging with a young woman and I was able to find contact information for her father. He informed me on Thursday, XXXX XXXX, that his daughter 's account had been hacked and she had lost access to it. The scammer is using this girl 's real account to scam people. On XXXX XXXX, I disputed the transactions with my bank and they denied my disputes. I was convinced it was a real person because of the use of the account that I glazed over red flags.
11/10/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • FL
  • 34293
Web
On XX/XX/XXXX, {$2500.00} was fraudulently transferred from my son 's XXXX Bank Account to my wife 's XXXX Bank account - and then XXXX amounts totaling {$1000.00} were fraudulently transferred by Zelle to XXXX XXXX ( XXXX ) XXXX with payment ID XXXX and XXXX. I immediately contacted XXXX bank that day to dispute the charges. I was told that I could not dispute them until they posted to the account - and to call back once they posted. They came out of pending status and I contacted XXXX Bank again and filed the dispute. The claim number is XXXX. On XX/XX/XXXX, I was told by a member of the Dispute Team, named XXXX, that my fraudulent charge claim was denied because they show that I replied to a text about the charges with an authentication code. According to XXXX, this charge would not have been allowed to go through unless I responded to the text message with the authentication code. According to XXXX, this code was sent to my phone number ending in XXXX and was responded to at XXXX. I maintain that I received no such code and that the transaction was never authorized. I can provide proof of this through my test message listing through XXXX and screen shots from my phone.
08/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • AZ
  • 85719
Web
On XX/XX/XXXX I called Early Warning Services to get my free consumer report after being denied a checking account with XXXX bank. My regular credit reports are clean ( I see the soft inquiry from XXXX on my credit report ) and I got my XXXX XXXX report easily and its clean ( XXXX recent inquiries ). I've done business with same bank for over a decade and it is and has been in good standing. My current bank doesn't use or report to XXXX. This only leaves one possibility and that is Early Warning Services which still hasn't provided my report after 25 days. I get the run around each time I call them. I provided a copy of my government issued photo ID, proof of address and anything else they asked including the credit history questions. They said I will have it in 15 days and that came and went. Each time I call they say oh it takes time. We need another 15 days and another. I can pull all of my other reports annually without a problem and didn't even know what early warning services was until now. This is the worst experience I have ever had trying to get one of my consumer reports. A reporting agency that is owned by the banks that use it is clearly a conflict of interest.
08/09/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Personal information incorrect
  • GA
  • XXXXX
Web
Early Warning Services LLC has refused to properly, legally, completely and accurately validate these alleged accounts that were placed on my consumer profile. I have attempted several times over the course of 3 months to obtain proper documents for these adverse accounts but Early Warning Services LLC has refused to comply with the 30 day timeframe deadline by law to validate these accounts. They did not provide account transaction history, complete account indo, original signatures, photocopy checks etc. They even admired to Not having adequate records of these accounts into which I provided a police report for fraudulent accounts. They have not honored this police report. Early warning services refused to inform me as to how they allegedly validated these fraudulent accounts with XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. Who did they speak to? When? Contact info who supposedly validated these adverse accounts which are preventing me from opening accounts with other financial institutions. Furthermore, these accounts do n't bare my complete name. Early Warning Services LLC is defaming me and this is illegal. They refuse to comply with the law. I am violated as a consumer.
09/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 34743
Web
This letter is to notify the management named as Early Warning that your company placed and unauthorized information on my credit report on : Consumer ID : XXXX Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand under FCRA : Section 604 : 1. Permissible Purpose. 2. My original written authorization ( not a copy ). 3. Proof of signature that I personally initiated this information. Either provide me strict proof or DELETE the item immediately. If you do not delete this info within15 days I will take legal action. Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter. If you ignore this letter and do not delete the info or dont provide STRICT proof of authorization I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. You do not have permission to have or make any consumer account with any of my info such as Name, Phone, Email, Social Security, Passport, Drivers License, ID numbers, Address, Date of Birth * Permanently Delete my consumer account from your database and prevent
05/15/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • DC
  • 20009
Web
On Saturday, XX/XX/2023, I received a message from someone called XXXX XXXX. She indicated she was interested in purchasing a sofa that I had placed on XXXX XXXX. After some discussion, I agreed to sell it to her. She asked if we could use Zelle and I said okay. She tried to send me {$100.00} via Zelle and sent me a screenshot showing this. I then received a message via text from " XXXX '' indicating that the buyer needed to send {$300.00} in order to " upgrade to a business account ''. XXXX said she could do this and sent me a screenshot showing me this. Then she sent me info " to refund her ''. So I did. Then I received a message from Zelle indicating that I needed to pay for a refundable certificate fee of {$500.00}. I have screen shots of all of these messages when/if you would like to see them- including the whole conversation with " XXXX ''. I ended up paying the {$300.00} and the {$500.00} before XXXX and realizing I was being scammed. The names on the Zelle accounts where I sent money were XXXX XXXX and XXXX XXXX. I have reported both transactions to Zelle. I am in the process of disputing the transactions through XXXX XXXX. I plan to also file a police report.
09/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48180
Web
I'm submitting this compliant due to the negative information that Early Warning Services , LLC has reported in my banking report. I believe that my rights have been violated as this information is inaccurate and misleading. Please investigate and rectify this matter promptly. Description of Dispute : Early Warning Services is reporting multiple negative accounts with my personal information such as, XXXX XXXX XXXX : Incident date : XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX reporting a negative balance of $ XXXX. XXXX XXXX : XXXX date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a negative balance of $ XXXX. XXXXXXXX XXXX : XXXX date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a negative balance of $ XXXX Fee reversal : $ XXXX. XXXX XXXX : Open date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting an Overdrawn account. XXXX XXXX : Open Date XX/XX/XXXX, Closed Date : XX/XX/XXXX Banking Routing # XXXX, Account # XXXX. Account Status : Closed for Cause-Purged of XXXX XXXX : Open Date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a closed account. Reason for dispute account was never opened.
11/02/2023 Yes
  • Money transfer, virtual currency, or money service
  • Money order, traveler's check or cashier's check
  • Lost or stolen money order
  • WI
  • 531XX
Web Servicemember
I have had phone conversations with XXXX XXXX owner of XXXX several conversations about a recent repair being done. Once we go to the end of the repairs there was a small discount if you pay cash. This was being discussed in email and I was informed he could use Zelle to accept payment. Who I thought was " XXXX '' offered to send over his account for the zelle account he sent me the name and I did not call him to verify it since we are going back and forth on email talking about his golf game. Email comes over from what looks to be XXXX requesting to send XXXX to XXXX XXXX XXXX, I punched this into my zelle sent off the XXXX. next day i am contacted again asking to send the next round of money, sent picture of error message then they sent request to send to a different emailphone. At this point I stopped and called XXXX and spoke with him. It was determined that his mail server got hacked and they were trying to spoof payments. I stopped any other sending and contacted both XXXX XXXX XXXX and Zelle support this was done via the banks Zelle setup. But unfortunately they are saying there is no way to pull the money back even though they marked the account as being scam.
03/10/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 34203
Web
I purchased some concert tickets from this girl on XXXX. She insured me that it wouldnt be a scam that I could send her half at first and then she would initiate ticket transfer and then I would pay her the other half a couple days later I decided I wanted to buy two more so we did the transaction again. I tried to figure out how to get the tickets to my house by contacting the ticket holder and they said that she had to initiate a three-way call. I contacted her to let her know that and she said how do I do that and then that was it she never responded back to me after that and I continue to message her and got no response. After that, I started digging into her XXXX profile and saw that she was selling tickets all over the United States. She sent me a picture of a fake ID and a fake address. I contacted somebody that had been leaving angry faces on all of her profile pictures and she said that she got scammed as well but she got her money back. she reached out to somebody else that also got scammed by this individual so now I am working to try to get my money back but this person needs to be stopped. zelle has since told me that they wont be refunding me for this.
05/12/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • VA
  • 20191
Web
I was involved in a love scam which I reported to the federal trade commission and the internet crime complaint center .gov website. I contacted the local police department who failed to do anything because this is an international crime. I disputed with the banks several times but they failed to do anything because I authorized the transaction because I was tricked into helping someone I thought who would help me in return if I helped them and was harrassed and blackmailed by threats to broadcast XXXX videos on XXXX as well as being tricked an manipulated. I lost over XXXX dollars in funds since XXXX. No one has looked into or helped me with this case since when indeed this is stealing. The suspects name is unkown but his fake name is XXXX XXXX he made up or stolen from someone. The spoofed and untraceable email is XXXX. His XXXX XXXX user name on XXXX XXXX is $ XXXX XXXX XXXX account. His XXXX XXXX account spoofed or untraceable number is XXXX XXXX XXXX The real suspect is unkown and possibly from XXXX XXXX XXXX XXXX which I communicated back this information through a scam haters united support page for suspected victims and preventing scams and blackmalers.
01/02/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • MO
  • 658XX
Web
Date : XX/XX/2023 Time : XXXX am until XXXX pm Through XXXX using Zelle I put on XXXX XXXX that I was selling my Beats Wireless Headphones for {$130.00}. This women XXXX XXXX contacted me and said that she was interested and if they were still available. Proceeded to tell her that they were and asked where she lived. She said she lived in North Carolina and that she would pay the $ XXXX {$15.00} in shipping. Asked for her address and everything. She wanted to pay through Zelle, which I am not familiar with but I do have XXXX and I went through the app to use it. She proceeded to tell me that it went through but then got an email saying she needed to send me {$300.00} more to upgrade my Zelle account to a business account. She did that and then I had to refund her {$300.00} back since I only asked for {$140.00}. We both got emails saying that the {$300.00} wasnt enough to have my account upgraded and need {$500.00}. She sent {$500.00} and then I had to go in and refund it. Both then got an email saying the Zelle team have received the {$800.00} and that the processing and verification will take 1-2 hours to take effect to my account. It never did, I am out {$800.00}.
10/02/2018 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TX
  • 78041
Web
On XX/XX/2018 n XX/XX/2018 I made a 2 transaction to a person named XXXX XXXX email XXXX n XXXX XXXX XXXX. Transaction over a Bday gift for my son ( XXXX tickets ), {$500.00} each transaction a total of {$1000.00}. We kept in touch for over a week in a half, n suggested using XXXX since it was going to be faster n have statement over the transaction. I send her the 1st transaction which she told me she received n stated they were reserved following by the 2nd transaction she would send the tickets instantly to my XXXX. I never got them. I have been sending her messages over messages n nothing she doesnt reply. Called the bank XXXX XXXX n said they couldnt do anything cause XXXX is involved, called XXXX they dnt have human working their operating system n their options have nothing to do with this. Emailed XXXX n thier response to call my bank provider which means its a back n forth situation without resolving anything. XXXX is financialed by XXXX XXXX n many other banks, only banks owned by XXXX can operate it. They should know where the money goes. They should be able to track it. I as parent work so hard for this n for XXXX to just clean their hands n do nothing.
09/07/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Confusing or missing disclosures
  • VA
  • 22554
Web Older American, Servicemember
In mid XX/XX/2021, I attempted to send money thru Early Warning, LLCs Zelle inter-bank transfer vehicle to pay for a service. I was told the transaction was blocked. Upon further inquiry with my Bank ( XXXX XXXX XXXX XXXX ) it was revealed that a previous remittance to my niece had been flagged as association with fraudulent activity or organization, and as such anyone connected to the individual had been permanently blocked from using the service. I asked my wife to use our other bank ( XXXX ), to complete the transaction. She was also blocked because she is associated with me. All this, without any explanation from Early Warning, LLC or recourse to clear my name. My bank said the offense was so egregious, that they couldnt help me and that I should find other money transfer organizations to work with. This practice is not only inconvenience but humiliating to an honorable consumer. As a former XXXX XXXX XXXX, it is plain embarrassing. It is also irresponsible for EW and Zelle to be a public entity and yet behave in this cloaked operation. I request a direct explanation and also be given the opportunity to clear my good name. XXXX XXXX XXXX XXXX XXXX Thank you.
09/11/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 94080
Web
I am currently a college student. I was contacted by someone through my email and was offered some sort a research opportunity that dealt with finances and sorts. Because of that, they sent me a check and I deposited the check thinking that check was real. After the money showing up in my account, I believed that I had that money in my account. After the person who sent me that check, asked me as one of my responsibility to send money to someone. And since that money showed up on my account, I did as they instructed to send through zelle. But turns out, the check was not real and in the end was scammed and lost XXXX. I send money to them thinking that since the money showed up in my bank account everything was okay. However, later I realized the check was fake. I went to XXXX XXXX XXXX as soon as I could thinking that because it only happened a day ago they could do something. However since zelle is a quick payment, they told me there wasnt much they could do. I believe zelle should protect their customers better and if someone wrongfully sends money, they should be a way to help them with their problems. Now my bank account is empty and I can do nothing but wait.
09/11/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other service problem
  • SC
  • 29223
Web
Today on XX/XX/2023, I was paid from a settlement directly to my zelle. Upon opening the app to accept my funds I was told My account was permanently locked. I called, and was told they do not accept my cards anymore ( no email or text was sent telling me about these changes. ) They would not tell me why I wasn't told, they would not tell me why things changed. They would not help me access my funds and kept giving a run around answer ( we do not support your bank anymore ). As I've said nothing has been sent explaining any reason to any of this all of a sudden change. When I've been receiving funds just fine with my card on their app. They say they do not have any more information of mine and never have, yet I've used their app multiple times and my information was there. Now all of a sudden, it's permanently locked and they can't and won't do anything. Making me and my kids suffer and have to wait for them to send the funds back and to get a check from the sender. ( Process about XXXX months ) this is absolutely obsurd. Had they had communicated with their customers I wouldn't be as mad. But the ignorance and refusal of a decent answer is absolutely outrageous.
06/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30032
Web
On XX/XX/XXXX ; I received a letter from Early Warning stating that a fraudulent account that I had disputed came back as verified after I requested that they do a thorough investigation in the matter. The term " investigate '' according to the FCRA means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information. My rights were violated according to 15 USC 1681 section 602a states I have a right to privacy. In addition, it also states in 15USC 1681 section 604a section 2 that a consumer reporting agency can not furnish an account without my written instructions. The account in question is listed below : XXXX XXXX XXXX account # XXXX acct open date XX/XX/XXXX and account close date XX/XX/XXXX. This account has cause me great emotional stress, because I am unable to open a bank account due to the fraudulent account showing up on the Early Warning consumer report.
08/25/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • IN
  • 46203
Web
I was driving home from XXXX XXXX XXXX and I was called by supposed " XXXX XXXX '' ( who I bank with ) and they asked if I had been trying to send money to someone through Zelle. I had not.. I had no access to a computer since I was driving. They told me my account had fraudulent charges and then told me one of my checking accounts had to be closed because of the fraudulent activity. ( I had XXXX checking accounts ) They then had me send the money to confirm my identity to myself through Zelle to a phone number and said the money would get sent back to me once my identity was confirmed. Next, they said they would send me an email to reset my banking account. I never got an email. I called my bank to check on it and they said there was no record of anyone calling me and has heard of several people getting scammed through Zelle with this same fraud. I have tried multiple times with my bank to get my money back, but they say Zelle is a third party company and they can't do anything about it. {$1400.00} was stolen from me. The contact info for the person I sent my money to is XXXX XXXX. I've called the number and asked for my money back and she hung up on me.
09/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27610
Web
early warning services provided me with a copy of requested consumer report. Consumer # XXXX was sent. After careful review of the FCRA, FDCPA protections for consumers, early warning services is in direct violation of Title 15 UCS 1681b ( 1 ) ( 2 ) PERMISSIBLE PURPOSES. EARLY WARNING SERVICES DOES NOT HAVE A FEDERAL COURT ORDER, OR WRITTEN PERMISSION FROM THE CONSUMER TO HAVE SUCH REPORT COMPLIED AGAINST CONSUMER. EARLY WARNING SERCIVES HAVE VIOLATED PRIVACY LAWS IN REGARDS TO CONSUMER PRIVACY. EARLY WARNING SERVICES HAS AN AGREEMENT WITH THE INDIVIUAL BANKING INSTITUTIONS BUT NOT WITH CONSUMER. CONSUMER HAS NOT GIVEN AUTHORITY TO ANY BANKING INSTITUTIONS TO DISCLOSE ANY OF MY CONSUMER DATA. ACCORDING TO THE TERMS AND CONDITIONS AND AGREEMENTS CONSUMER MADE WITH XXXX, XXXX XXXX XXXX, XXXX ( CLOSED ) AND XXXX XXXX STATES ALL CONSUMER INFORMATION IS PROTECTED AND WILL NOT BE GIVEN TO THIRD PARTYS. EARLY WARNING SERVICES IS A 3RD PARTY COMPANY. HOLDING MY INFO IS IDENTITY THEFT AS I DID NOT GIVE PERMISSION. CONSUMER HAS RECORDED AT LOCAL COURT HOUSE A VALUE FOR ALL CONSUMERS DATA. CONSUMERS DATA IS CURRENTLY ON RECORD TO BE VALUED AT XXXX USD DOLLARS PER MIN.
07/29/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MO
  • 63033
Web
Unfortunately, I have fallen victim to a scam transferring funds to someone through Zelle from my bank account. Sunday XX/XX/XXXX I had sent {$1000.00} to someone I thought I could trust from XXXX who was claiming to be helping people become " XXXX investors '' by sending money to him in return, receive a larger payout. I was told there would be " XXXX meetings '' with the " investors '' in which they would send the payout through check by mail within a couple days. I was not thinking straight and I just wanted a quick way to earn cash so everything I was being told seemed legit about how the process worked. I only started to get worried when I wasn't receiving any XXXX Call links that I was told would be sent to my email and they were responding very slowly until XX/XX/XXXX I was no longer able to send text messages or XXXX messages to them. I then became worried and contacted my bank as soon as possible but reading the fine print, they do not offer any sort of protection against these disputes. I'm worried because I gave them my address that I thought they would be sending a check too and I live with children and I do not want anything to happen to them.
10/26/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • NJ
  • 07108
Web
Actions Taken : I am writing to address an issue related to my information being shared with Early Warning Services. To my knowledge, there has been no formal written instruction from me, either express or implied, authorizing the sharing or furnishing of my information with Early Warning Services. I have reviewed my credit reports and found that my information has been shared with Early Warning Services without my explicit consent. This is concerning, as I believe this action may have an impact on my privacy and financial security. I have contacted the relevant parties involved and followed the necessary steps to rectify this situation. However, I have not received a satisfactory resolution to date. I kindly request that Early Warning Services promptly cease the sharing of any information pertaining to me, and that you confirm in writing once this process has been completed. Please be advised that this request is in accordance with my rights under federal law, and I expect full compliance with this request in a timely manner. Thank you for your attention to this matter. I look forward to your written confirmation of the completion of this request.
07/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Problem getting your free annual credit report
  • FL
  • 32962
Web Servicemember
On XX/XX/2020 I mailed a letter to EARLY WARNING via USPS requesting a copy of my consumer file. Attached to that letter was a copy of my driver 's license and a utility bill to verify my identity and address. It took EARLY WARNING nearly 30 days in TOTAL to respond with a request for the same information I provided in my original letter. According to their letter, I must complete a " special form '' requesting the same information I already provided. Their letter to me was dated XX/XX/XXXX which is nearly 3 weeks after I mailed my request and I did not receive their letter until yesterday XX/XX/XXXX. I believe this to be not ONLY a stall tactic but also a CLEAR violation of the Fair Credit Reporting Act. As you are well aware, the law requires that a credit reporting agency complies with a consumer 's request upon providing information that verifies the consumer 's identity. It DOES NOT require that I use a " special form '' or " particular method '' of making that request. The FCRA certainly does not give them extra time to comply if their preferred " special form '' is not used although the consumer already provided all information required by law.
04/10/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MD
  • 217XX
Web
I have filed two claims for a Zelle payment in the amount of {$1500.00} for each claim totaling {$3000.00} that was sent on XXXX XXXX XXXX Immediately upon realizing that the phone call was a fraudulent scam, I contacted XXXX XXXX and ask that they try to cancel the payment and/or reverse it. I informed XXXX XXXX that I was a victim of a scam and fraudulently induced payments through Zelle. I contacted XXXX XXXX Police Department and opened a case with the local police. This claim has now been escalated to the FBI. I have been made aware of a new Zelle Policy that should cover my situation and allow for reimbursement of the {$3000.00} from XXXX XXXX. I am sure you are also aware of this secret Zelle policy as well. " We are not sharing more details about which scams are covered to avoid tipping off fraudsters, and we will continue to evolve our requirements to address new patterns, '' according to a statement sent XXXX to the XXXX XXXX by spokeswoman for XXXX XXXX XXXX XXXX, the network operator of Zelle. The new requirements, according to the statement, are being added to " ensure consistency across the Zelle Network and improve consumer benefits. ''
11/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 756XX
Web
I sent a letter out on XX/XX/XXXX to Early Warning. Here is my tracking number:XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. According to the law 15 U.S. Code 1681a- Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I want to know who did they talk to How did they complete this investigation Consumer report number XXXX Account name XXXX XXXXl # XXXX ( contribution ref # XXXX ) Account name XXXX XXXX account # XXXX, XXXX
03/18/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • OH
  • 43220
Web
I contacted somone who advertised a house in XXXX XXXX, CA on XXXX website. He gave me the address, I checked to location and neighbourhood, I didn't check inside the house because it was occupied by others. I liked the neighbourhood and we agreed that I will occupy the house on XXXX of XXXX. We also agreed that I will pay on zelle, he gave me the lease contract, and I paid. Then I went to the house on XXXX of XXXX at XXXX XXXX, wait for him for 2 hours he didn't show up, I tried to contact him, he didn't reply may emails and text. I contacted Zelle, they send me to the bank, I contacted my bank XXXX XXXX, they said because I authorised the transaction they can't help me returning the money. They said they will do the investigation, but they didn't send me any mail about this. The scammers were two, a lady who is the owner of the property, she contacted me, we had a call and a realtor who was like managing the property for the owner. I paid the owner. I also contacted XXXX which the scammer uses, but they didn't take my call, send them an email but they didn't reply to me. I felt helpless as an international student in this great country. I lost $ TheXXXX
03/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • NV
  • 89118
Web
I was issued a Comprehensive File Disclosure from Early Warning Services on XX/XX/XXXX ( see attached ). Upon reviewing the file, I realized it was empty and called EWS to find out why. On XX/XX/XXXX at around XXXX XXXX I called EWS and spoke to employee XXXX who told me that EWS does not put any information in the Comprehensive File Disclosure for the consumer because they are not authorized to. XXXX also advised me to go back to the institution that denied me and ask them to provide a reason for the denial, but the institution already told me they could not give me that information in our initial meeting and directed me to Early Warning Systems. As the consumer, I have certain constitutionally protected rights. Among them, 15 U.S.C 1681 section 602 A, states that I have the right to privacy. Also, 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. I have not given EWS written instructions to provide any information, and as such, they are violating my rights. I had a previous correspondence with EWS in XX/XX/XXXX and they told me I had no file with them. ( see attached )
04/29/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 11238
Web
Scammer claiming to be a billing agent for XXXX XXXX called and said my electricity would be shut off if I did not immediately pay a bill of {$490.00}. I agreed to pay and they said I needed to use Zelle and put my case number in the note on the Zelle payment. I was assured that I could pay the bill in person at a XXXX XXXX, but I had the option to pay through an app. I checked my bank statements and saw that my XXXX XXXX bill is autopayed from my XXXX checking account and was paid recently. Called XXXX to have them cancel the payment and they said there was no recourse because I had approved the payment. I did indeed approve, but only because I THOUGHT I was paying a utility bill, not a scammer. Scammer required I put " XXXX '' in the memo for Con XXXX billing. XXXX said they would investigate, but shouldn't Zelle be accountable for these fraud schemes? 1. They are making money from illegal transactions. 2. For larger payments, there should be some delay or buffer to prevent this. 3. Zelle should be able to easily connect user activity to an individual and hold them accountable. It's not hard. The banks that own Zelle are abetting criminals.
11/20/2018 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • KY
  • 40511
Web
On XX/XX/2018, I attempted to send {$70.00} to someone using XXXX. The transaction failed on the app. under my activity tab, it does not show that the transfer was successful. Additionally, I never received an email stating that the transaction processed. The intended recipient never received the funds. However the {$70.00} was withdrawn from my bank account. On XX/XX/2018 I called XXXX customer service. They told me that they can see that the transaction failed and they are not showing that the money was withdrawn. They told me that I would have to contact my bank. After getting off of the phone with the XXXX customer service person, I called XXXX XXXX bank to file a dispute claim. XXXX XXXX issued a {$70.00} provisional refund and started the claim. On XXXX XXXX, XXXX XXXX denied the claim and took back the {$70.00} refund. I called both XXXX XXXX and XXXX multiple times on the XXXX XXXX to resolve the issue. Both companies keep telling me that there is nothing that they can do and that I need to contact the other company. I ended up sending the {$70.00} to the intended recipient using XXXX XXXX instead. I have not received my initial {$70.00} back.
11/17/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Managing, opening, or closing your mobile wallet account
  • VA
  • 240XX
Web
I have tried on multiple occasions to have my Zelle Account XXXX deleted. The first time I called was XX/XX/21 and requested my account profile be deleted. I was told it was deleted only to find out it was not deleted but was inactivated instead which allowed the information to remain in their database and the account to be reactivated. I called again to follow up XX/XX/21 and was told it would take 45 days to complete my request and they would deactivate my account. I am writing this complaint because Zelle is telling me they can not validate my account due to the address on file not matching what I provided them when the account was initially set up. I dont see how that could be a possibility when I set the account up and clearly know my own address. Im frustrated because I have read that using Zelle and other applications like it leaves a person vulnerable to potential fraud if the account was hacked. I am trying to get ahead of any possible issues relating to that happening to me especially since my credit union and or bank would not restore any funds that were stolen. Please advice and compel Zelle to DELETE my account from their database.
08/23/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • IL
  • 604XX
Web
On XX/XX/16 my employee received a phone call on the business line stating that the person calling was from our electric company XXXX. The caller stated that the power was going to be shut off if we did not pay our balance to them on the phone. My employee/bookeeper then agreed to pay under the assumption we had missed a payment. He then set up a zelle account as the caller and then the caller walked him through a " test '' of sending money and then saying he was cancelling each transaction. Scammer Zelle name is XXXX XXXX XXXX XXXX EXT : XXXX. I will attach each transaction to identify the electric companies name on the transaction. The bank is also not taking responsibility for allowing these large transactions to take place for the first take. There was absolutely no security measure in place on this scam. I received no verification to verify these transactions before the money was taken. I believe my bank is also liable for allowing this. XXXX XXXX XXXX XXXX XXXX XXXX Fraud Department ( XXXX ). This should not have been allowed by the bank because my other bank XXXX, has a restriction of {$500.00} on any new Zelle transfer without pre approval.
01/31/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29488
Web Servicemember
I have been a victim of identity theft and these accounts was open fraudenlently in my name Bank XXXX XXXX accounts that are Fraudulent : Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX XXXX Accounts that are Fraudulent : Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX XXXX XXXX Accounts that are Fraudulent : Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX XXXX XXXX Accounts that are fraudulent : Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX XXXX Account # XXXX Routing # XXXX XXXX XXXX accounts that are fraudulent : Account # XXXX Routing # XXXX XXXX XXXX accounts that are Fraudulent : Account # XXXX Routing # XXXX XXXX XXXX Accounts that are fraudulent : Account # XXXX Routing # XXXX
10/19/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • WI
  • XXXXX
Web
I have been banking with XXXX XXXX XXXX bank since my Dad opened my savings account in the late XXXX in XXXX XXXX, WI under XXXX. ( I didnt know much about banking at the time, but was happy the Bankers gave my brother and I a tasty sucker with the little white loop for a handle! ) In fact, my next-door neighbor worked there, and that is where my money from my first job was deposited. I understand how your bank and business has had to change with the times. I also have had to change with the times to a new world of the way people bank, buy, and sell things. Last Friday XX/XX/21, I tried to purchase XXXX tickets for my wife and I, and I confess, we don't get out much with XXXX young boys! I was talking to a XXXX XXXX on the phone ( phone number XXXX ), and a request for {$400.00} came into my XXXX XXXX account under the name and account of XXXX XXXX XXXX. One mouse click later, the {$400.00} left my account and went into the account of XXXX XXXX XXXX, immediately XXXX disconnected, and his phone number was " no longer in service ''. Both phone numbers and names I have affiliated with the XXXX account are either disconnected or unresponsive now.
09/07/2017 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • CA
  • 93065
Web
As friend tried sending me {$400.00} through his bank ( XXXX XXXX ) to my bank ( XXXX ) via clearXchange ( soon to be XXXX ). I tried claiming the money on XXXX XXXX, 2017. I was shown on the XXXX online site that the money would be transferred. As of XX/XX/XXXX, no money has been transferred to my account. I called XXXX on XX/XX/XXXX who said they did n't know anything about the transaction. No record of it whatsoever, and to contact the sending bank. I called clearXchange ( from the information I was given in the email generated by the same company ). The first person also showed no transaction information. I asked for a supervisor who said that the showed that the money had been initiated on the 2nd, but that is all the information they had. I called my friend who showed me that the money was taken out of his account on the 2nd. Where did the money go? Nobody can say. Apparently there is n't logs of anything beyond " the transaction began ''. Apparently clearXchange was started/owned by XXXX XXXX XXXX, XXXX, and XXXX XXXX, then sold to an " independent company ''. There is no accountability apparently, and no way to even check on the status.
12/28/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • AZ
  • 85086
Web
On XX/XX/2022, I replied to a XXXX ad for hay for my horses. After several messages between us, I agreed to buy hay from them. We agreed to a price and delivery time. I sent the payment by Zelle to them & they confirmed my order. The order was supposed to be delivered at XXXX XXXX the next day ( XX/XX/2022 ). After XXXX XXXXXXXX I attempted to find out where the driver was with my hay ; they messaged back, " My driver is heading there. '' At XXXX XXXX, I messaged again and got an automated response, " hi, thanks for contacting us. We've received your message and appreciate you reaching out. '' This morning I messaged requesting a refund and have had no response. All the conversations, including the Zelle payment, were through my XXXX XXXX XXXX & XXXX account ( XXXXXXXX XXXX XXXX ) I have called my credit union & they have stated there are no refunds for Zelle. It is " treated as a cash payment. '' and " you are out the money. '' I reported the ad and the admin for the page to XXXX. I have called law enforcement in XXXX, AZ. I have reached out to Zelle directly, reporting the scam/fraud. I am also filing a report with the FTC XXXX FBI.
11/24/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • MA
  • 01854
Web
I used Zelles money transfer service in XXXX XXXX XXXX online to transfer {$3000.00} to my mom on XX/XX/2020. The transfer service requires that you use a phone number or email to send to the recipient : in this case, I used my moms cell phone number. My mom registered her Zelle account a few hours later the same day of transfer using her cell phone number. The transaction was marked completed ; however, the money was never deposited into my moms account. I contacted the Zelle Recall Team at XXXX XXXX XXXX to file a claim. They said it would take up to 40 days to investigate. After 40 days. Zelle said that the money was deposited to the recipients account, which it did not. I reached out to the Zelle team again this time with my mom on a 3-way call to verify that she did not receive the funds. Zelle said that the money was deposited to an account that had the same phone number as my mom before my mom registered her phone number with Zelle on the day of transfer. My mom has had the same cell phone number for over 15 years. Zelle said they could not recall my money unless the recipient authorizes them to do so during their claim investigation.
04/16/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • VA
  • 22193
Web
Zelle Pay has blocked account permanently for no justification. They content that I received Zelle transfer of {$150.00} which the same person who sent me the Zelle went round to the bank that the money was drawn from to complain that there has been a fraudulent transaction to me. The person who transferred the Zelle to me is called XXXX XXXX, who is a friend. I contacted him about this situation and he explained to me that the account he used to send me the Zelle from XXXX XXXX has multiple people on the account. One of them was his Niece. This Niece of his, according to XXXX, reported to XXXX XXXX that someone has fraudulently transferred {$150.00} from her account to one XXXX XXXX ( XXXX ) through Zelle. XXXX XXXX, without investigating, sent a message to Zelle and XXXX XXXX about this alleged fraudulent transaction activity. After I contacted XXXX about this issue, he called XXXX XXXX and XXXX recanted the fraud charge and labelled it as error/miscommunication and sent a note to XXXX XXXX about it. XXXX gave me this note and I sent it to XXXX XXXX. As I write this piece, XXXX XXXX has not reactivate my account for not justification.
11/02/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • FL
  • 34293
Web
On XX/XX/18, {$2500.00} was fraudulently transferred from my son 's XXXX Bank Account to my wife 's XXXX Bank account - and the then XXXX amounts totaling {$1000.00} were fraudulently transferred by Zelle to XXXX XXXX ( XXXX ) XXXX with payment ID XXXX and XXXX. I immediately contacted XXXX bank that day to dispute the charges. I was told that I could not dispute them until they posted to the account - and to call back once they posted. They came out of pending status and I contacted XXXX Bank again and filed the dispute. The claim number is XXXX. The representative was helpful and told me that the dispute would take XXXX business days and the money would be provisionally put back in my account as a " courtesy ''. As of today, XXXX, I had not received the credit- so I contact XXXX Bank to get the status. This time I was told the investigation takes XXXX business days, no provisional credit can be given in cases with Zelle, and I was told that they need the 10 days to " try to get the money back from Zelle ''. Now I am concerned that XXXX bank will simply drop the ball as they are completely useless and offer no competent customer service.
01/25/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unexpected or other fees
  • FL
  • 33547
Web
I was browsing on XXXX for a XXXX on XX/XX/XXXX and came across someone called XXXX XXXX who was selling them for {$150.00}. I sent an inquire to them and they sent me a this number XXXX ( XXXX XXXX XXXX to contact on XXXX XXXX. I sent {$150.00} to XXXX XXXX through zelle on the same day and he was using XXXX as his email. On XX/XX/XXXX he sent me a message saying that the store department that they got their XXXX from accidentally 100pcs of XXXX and that I owed them {$12000.00} after selling a majority of those XXXX. My intent was to use this XXXX for my own recreation not to sell and I for sure didnt want to buy them in bulk. On XX/XX/XXXX he texted me on XXXX saying that the XXXX have arrived in the U.S. and for them to get out of hold from XXXX XXXX XXXX XXXX I had to pay an extra {$1000.00}. A few days pass and on XX/XX/XXXX I decided I wanted a refund for my {$150.00} and he tells I have to wait for 14 days. Its been 14 days now on XX/XX/XXXX and now hes telling me I need to wait until XX/XX/XXXX, Ive now lost all trust in this company and I cant get my refund just from calling my bank so this is why Im taking it to these measures.
12/06/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NC
  • 28314
Web Servicemember
A friend on XXXX, XXXX XXXX, was hacked. They were rehoming their dog and asked for a fee, which isn't uncommon. We had XXXX XXXX where " he '' showed us the puppies. The connection was bad and the video dropped. He texted that his connection was bad and that we can send {$100.00} through Zelle. We agreed and used Zelle through XXXX XXXX XXXX XXXX. The name on the Zelle was XXXX XXXX and was given the email address XXXX and was paid {$100.00} on XX/XX/2022 at XXXX. The person had given us XXXX 's address and was okay for us to meet there. When he arrived XXXX was completely unaware of what happened. The inside of his house did not look like the house in the photos or video chat. It was then we knew that someone hacked his account and pretended to be him. I have called XXXX XXXX but could not help me at all. I have sent the report to Zelle as well in regards to this. Had I understood fully that Zelle XXXX in this aspecr, I would have never used it as I am unable to recover my money, despite the proof that I have be scammed under the guise of someone pretending to be someone we knew. They have since blocked my husband and I on XXXX XXXX.
12/16/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • NY
  • 105XX
Web
I have had occasional suspect purchases over the years that have been made electronically through my checking account. The amounts never exceeded more than $ 500- {$1000.00} and were usually flagged by the bank and the money was credited back to me. However, recently I decided to switch banks and when I went to open an account I was flagged by Early Warning Services , Inc. for " account abuse, '' reported by XXXX XXXX, a bank I have never used before. Upon further investigation and after receiving the Early Warning Services report I saw numerous occasions where my social security number had been used to open accounts using banks I have never used before. My name was correct, my social security number was correct, however most other information such as Email address, physical address, Driver 's License information, was inaccurate. In all cases the accounts were open for up to a couple years but had been closed. There were about 4 or 5 such instances. I have filed a police report and am waiting for the detective to complete it. In the mean time he has issued me a Police blotter. I can provide whatever documentation you would like to see.
11/17/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 750XX
Web
Escalation of Dispute - Formal Notice of Intent to Sue I am writing to express my dissatisfaction with Early Warning Services ' continued denial of my requests and the lack of resolution regarding the unauthorized sharing of my consumer information. I understand Early Warning 's classification as a specialty consumer reporting agency under Section 603 ( x ) of the Fair Credit Reporting Act ( FCRA ). However, I strongly assert that this classification does not absolve Early Warning Services from respecting and upholding consumer rights, particularly regarding information sharing as outlined in 15 USC Code 1681b. Despite multiple attempts on my part to address and resolve this matter amicably, Early Warning has consistently provided the same response, citing their exemption under the FCRA. This response is both unsatisfactory and unacceptable. I want to reiterate the impact this situation has had on me, causing significant financial distress and hindering my ability to access essential banking products. The continued stale responses are not only unhelpful but also frustrating, leaving me with no choice but to escalate this matter.
01/10/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • TX
  • 79602
Web
I went to XXXX and reported that I had identity theft and that my accounts and debit/credit cards had been compromised.. I only use XXXX banks and dont ever recall opening up a XXXX account.. I was told that I had an account and that I abused it.. Due to the stress this identity theft has put on me I didnt argue I just told the guy how can I fix it immediately.. He said I had to pay the debt owed.. Long story short I paid at and made them aware that me paying it doesnt mean that I owed it and that I needed of off my report.. He told me ok aand in addition I should still dispute it and get a police report.. Which I did.. I wrote EWS a dispute and asked them to VALIDATE the information and send me copies of my documentation they have regardling this listing that bears my signature and also asked them to delete the info from under my social security number. I have yet to recieve any of this info and its been well over 30 days. I also want the names addresses and telephone numbers of the people they contacted at XXXX ... There may be identity fraud involved. I am aware of the XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 )
10/24/2018 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • SC
  • 29710
Web Servicemember
I have contacted and disputed bank accounts with XXXX XXXX and some other banks that were opened fraudulently in my name and SSN. I was already contacted by a mysterious email from XXXX XXXX stating that I could be in a class action lawsuit regarding people opening up bank accounts fraudulently in others names and SSNs. I have never did any business with XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX XXXX XXXX ( This bank is in Georgia!! ) I have never lived in Georgia. XXXX XXXX blocked the XXXX XXXX accounts but then they added them again about 2 weeks later. And they stated these accounts were verified. And I want detailed answers on how thorough this investigation was. I need to see signatures as well. I need names of who is verifying this information I sent them a sworn affidavit XX/XX/2018 and also I sent a filed police report in from the county that this happened in about two years ago apparently because I had seen an address on my credit report in XXXX County, which I have never resided either. This is a mess and I am going to have to contact every agency that exists including legal representation until this is resolved.
08/14/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • TX
  • XXXXX
Web
XXXX XXXX XXXX refuses to provide my consumer report to me. I am trying to request my report to verify that all of the fraudulent information has been removed from my report, as stated from EWS they stated in several letters the fraudulent information was blocked, however i am trying to confirm. I did attempt to request the report by the online portal, by phone. It seems that no one is willing to assist me in obtaining a copy of my report. I have a legal right as a consumer to request a report. Please review and send me a copy of my report by email, and please confirm that XXXX XXXX XXXX XXXX is not listed on my report. They have attempted to add numerous fraudulent accounts to my credit reports and i want to confirm if they are on my EWS report that these are blocked as fraudulent. I never opened any accounts with them, never opened membership and did not authorize any accounts with their institution. I have sent them an FTC Affidavit and notified the local police department, yet someone within XXXX XXXX continues to use my information. I do not know whom in their institution is fraudulently using my information but it concerns me.
02/28/2023 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • IL
  • 60148
Web Older American
On XX/XX/2023 a payment was made via Zelle at XXXX XXXXXXXX XXXX. The payment was for {$470.00} but was sent to a number with a XXXX digit error. That error allowed the money to be sent to a person that was not shown when I submitted the payment, the payment showed the correct person. I have all the information for that person and I told the dispute team of that information. Yet they reversed the charges ( {$470.00} ) initially but after an alleged investigation they have now denied that reversal and taken the funds from my account. I have screen shots of the woman who received the money, her XXXX, XXXX, XXXX, and I know where she works. I have her phone number ( obviously ) and left her a message, as well as sending messages via text, email, XXXX. From what I read this error in a phone number should be covered by regulation E. Yet I doubt seriously any real investigation took place since zelle can just say it was my mistake and not invest any serious time or money into the matter. And I am out the money XXXX woman who should not been allowed to receive it since it didn't match the woman 's name that the payment was intended for.
08/16/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CO
  • 80222
Web
While I was out running errands on XX/XX/2021 I was contacted ( via my cell phone ) at XXXX XXXX by someone named XXXX, claiming he works for XXXX XXXX. He stated that because my account was delinquent, a tech would be at my home within the next 45 min to shut off power. He said I could pay using a credit card, but that would take approx. 12 hrs to process. If I had a Zelle account, the payment would be processed immediately. Using my XXXX XXXX account, I made one payment of {$290.00} to : first name : XXXX last name : XXXX XXXX When I gave XXXX the conf. number, he claimed it didn't go through and would I please try again. I sent another {$290.00}. The confirmation number I got from XXXX was : XXXX I was contacted at XXXX XXXX, apparently by a " supervisor '' named XXXX XXXX ( phone number XXXX ) who said he had received confirmation from XXXX XXXX that my first payment would be credited back to my account and only the second would be processed. When I was able to look at my XXXX account online, it was clear that my account was NOT delinquent and was clearly scammed. I am now out {$590.00} for these two payments through Zelle.
05/11/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NC
  • 286XX
Web
On XX/XX/2020 I sent {$570.00} through XXXX XXXX XXXX banking app using Zelle to a person claiming to be XXXX XXXX for a firearm purchase which he was then supposed to take to a Federal Firearm license holder to do a transfer across state lines. This is the law. I never received the firearm, it was never transferred. The picture of his driver 's license he sent was an obvious fake which is when I started the claims process. I started a fraud claim ( XXXX ) XX/XX/XXXX if memory serves me. XXXX XXXX has since never contacted me or responded through email or phone. I have his contact info still saved. His # is XXXX Email is XXXX XXXX # for his zelle account is XXXX XXXX XXXX. Transaction reference number is XXXX. I have tried going through my banks fraud department but claim was refused and said at this point it is a legal matter. I can not get any form of contact from zelle. I have spent part of the morning talking with XXXX XXXX XXXX XXXX department with no progress made and the matter not settled. I attached the conversations we had pertaining to this. I have the conversation saved. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
03/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28079
Web Older American
I, XXXX XXXX XXXX, swear under the penalty of perjury the complaint I am filing is true and correct. Early Warning has broken the law, specifically section 605B subsection C of the FCRA. I am including letters from Early Warning stating they blocked, and then rescinded the block, never by the law. Early Warning has the police report that is certified and notarized as fact that I never had access to the external accounts attached to the XXXX account they are blocking and then rescinding numerous times. Subsection C in 605B of the FCRA states that a XXXX can decline or rescind a block levied in subsection A in 605B of the FCRA. C states there are XXXX very specific reasons and criteria that MUST be met and stated as being met to decline or rescind a block. 1. In error 2. A material misstatement of fact 3. Proof the consumer obtained goods or services from the account requested to be blocked in subsection A. If no proof of any of these 3 criteria happened or proved to happen, no block can be denied or rescinded. Early Warning rescinded a block without any of these 3 reasons being met. Clearly breaking the law numerous times.
09/13/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 90039
Web
My realtor was contacted on the first day of our open house by a fake XXXX field technician that the property had a disconnect notice for that day if I didnt make an immediate payment. My realtor called me and gave me the XXXX number, fake XXXX number and asked me to make sure our power wasnt turned off. Though I could not locate any emails from them or mail that we were behind on payments I proceeded anyway. I let my fear get the best of me and Zelle transferred {$6500.00} in total over the course of 5 payments. They kept saying I had errors in my transactions and that theyd return the payments- they sent emails pretending to be deposits or refunds from XXXX. They had an XXXX email account on letterhead and it seemed legit but something was off but the guy on the phone was polite, savvy, and had an explanation for all of it - we havent even lived in this house since XXXX but Ive been maxing out my credit card used for autopay to pay the construction repairs so it was somewhat plausible that maybe we owed them. They are targeting open houses and by using my realtor to deliver the message it carried an air of authenticity.
07/22/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 95945
Web
Early Warning : I am writing today to express my frustrations in trying to remove unrecognized and likely fraudulent information on my consumer file. I have been a victim of identity theft after my information was exposed in a databreach and have previously requested my consumer file and disputed information with Early Warning but have not received a response to my requests. Specifically, California and Federal law requires Early Warning to provide me with the records, documents, and actions that Early Warning relied upon in making a decision in response to a dispute. However, Early Warning has not provided me with the requested documents and has not acknowledge my letters requesting more information or another copy of my consumer file. Specifically, for the purpose of this CFPB complaint, I am formally demanding that Early Warning provide me with all the records, documents, and actions relied upon to make a determination in case numbers XXXX and XXXX. Furthermore, please provide me with a complete and up to date copy of my consumer file and an explanation as to why my previous requests for these documents have been ignored.
04/01/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • 14221
Web
I was messaged by someone that hacked my friend XXXX XXXX account needing a little money I thought it was XXXX and I used Zelle to send the Money and when I realized that I wasnt getting paid back I realized I was getting scammed by a scammer that hacked his account. I filed a police report with the XXXX XXXX Police Department and I filed a scam/fraud report with the XXXX XXXX XXXX and Im in the proses of filing a scam report with Zelle. I will send about 4 of the Zelle transaction emails in the attach file section XX/XX/XXXX {$200.00} thru Zelle XX/XX/XXXX {$800.00} thru Zelle XX/XX/XXXX {$500.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$300.00} thru Zelle XX/XX/XXXX {$300.00} thru Zelle XX/XX/XXXX {$800.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$500.00} thru Zelle XX/XX/XXXX {$800.00} thru Zelle
04/11/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • NJ
  • 082XX
Web
what has happened I had a checking account with XXXX my auto insurance XXXX when in to my bank account and automatic debit my payment out I believe it was for XXXX well I do n't have overdraft protection. XXXX XXXX paid XXXX XXXX any way so when I got the notices I called to make a payment settlement to pay this debit back to them my brother had a XXXX and I had to relocated with him and was out of work but I called XXXX XXXX and we agreed on a payment arrangement and I paid it off. but they then reported me to early warning system CONSUMER ID XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Afther I paid them so I can not open a bank account any were and on top of that they but it with a collection services name XXXX XXXX XXXX XXXX XXXX, ma XXXX file # XXXX pin # XXXX for XXXX that was unfair I am in dispute with XXXX but XXXX XXXX lied to me I paid them and this is what they did I asked them not to put it in collections I will pay it it was a hardship for me but they broke the deal and put it in collection and early warning system making it so I can never open a bank account again if you can help I will be thankful XXXX XXXX XXXX
10/26/2016 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • CA
  • 91335
Web
I have been trying to communicate with XXXX and do not seem to be getting any clear answers as to why they are showing up and reporting derogatory information about me on my Early Warning Systems report. I am well aware that EWS was started by big banks, for big banks, and is funded by big banks, but FCRA rules do apply. This is my XXXX request for them to proove the account belongs to me by providing me something with my signautre on it or delete it. I do n't know why I must spend so many countless hours trying to correct this companies mistake, this is causing me a lot of stress. Since I can not get an answer from XXXX maybe Early Warning Systems can investigate and show that it conducted a proper investigation. Show me anything with my signature on it. I am holding EWS responsible since hey publish the information, which is inaccurate and does not belong to me since I ca n't get anywhere with XXXX. I am a XXXX XXXX citizen per attached. This specific mark is preventing me from obtaining in home care that I need after my car accident. Please do not call and communicate only by way of the CFPB portal or mail only.
09/14/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NV
  • 89433
Web
I used Zelle to send {$4700.00} to a potential XXXX. I sent the money in 3 separate transfers on the following dates : XX/XX/2022 | {$2000.00} XX/XX/2022 | {$1100.00} XX/XX/2022 | {$1500.00} The money was supposed to be used for moving in costs on a new potential home for myself and my family. The XXXX started asking for more personal information than what was necessary and, after I addressed the sensitive nature and my being uncomfortable with it, they stopped communicating with me. I immediately contacted the XXXX site, XXXX, and had the property listed as fraudulent. I contacted my bank, XXXX, first, but they said since I initiated the transfer for services that, they have no protection rights, and they have no recourse to assist with me getting my money back. They gave me the number to call Zelle. When I called Zelle, the automated line stated that if we used Zelle through a banking app, that I should contact our bank for assistance and to hand up the call. Neither XXXX nor Zelle are willing to help me after I've been scammed of almost {$5000.00} I needed to help find a new home for my family. Please help.
06/20/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • AZ
  • 85392
Web
I opened an account with XXXX XXXX XXXX around XXXX Used the the account to deposit funds, used my card for gas that day after work. The very next day tried to use my card at the ATM to deposit my check and was told my accounts were closed. I went into the branch and talked to a banker who stated that my account was closed due to Early Warning services and XXXX XXXX. I was unsure what this meant. I was given their number, so I called and told that XXXX XXXX XXXX closed my account after a second review. The review showed I had an account opened in XX/XX/XXXX and placed on their for owing. I disputed the activity on my record after trying to open another account, i was then told that XXXX XXXX XXXX also placed me on Early Warning services for that account that was closed 2 days after opening for being XXXX over limit, it was over limit because they refused my deposit ( which I also paid that balance the same day ). I also disputed XXXX claim it was investigated and the only response I got back was the report stand. I dont know what else to do and i need to manage my life and have a good bank behind my financial needs.
05/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • GA
  • 30341
Web
Dear Early Warning, I regret to inform you that my recent review of your credit reporting practices has revealed a violation of the Fair Credit Reporting Act ( FCRA ) rule 609. Under this rule, consumer reporting agencies like Early Warning are required to disclose to individuals the nature and substance of all information in their consumer reports, including any adverse actions taken against them based on that information. My investigation found that Early Warning failed to comply with this requirement in a specific instance, by not disclosing to a me the nature and substance of adverse information that was used to take an adverse action against me. I take these violations seriously, as they can have significant impacts on consumers ' lives and financial well-being. I urge you to take immediate steps to rectify this violation and ensure that your credit reporting practices are fully compliant with all FCRA regulations. Since you allege you have no documentation you have no lawful authority to damage me by keeping these XXXX fraudulent accounts from XXXX XXXX XXXX in your database. Delete them immediately.
09/11/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • FL
  • 33026
Web Older American
On XX/XX/2022 I listed furniture on XXXX XXXX, buyer contacted me, wanted to buy and opted to pay me {$500.00} via zelle. Got email from Zelle saying they had the funds on hold as my checking account was not a business account and buyer had to send me {$350.00} to upgrade my account to business, then I had to send back {$350.00} to buyer and show the proof, then Zelle would release {$850.00} back to me. Then Zelle sent email that buyer 's account was charged {$350.00} in duplicate and Zelle could not refund him the {$350.00} as it was already in its system and could not reverse so asked me to send additional {$350.00} and they would refund me {$1200.00}. Otherwise they would not be able to release the funds. Then Zelle asked for {$700.00} for a Certificate Fee which would also be refunded to me. My bank stopped that payment, fortunately. Yes I fell for a scam to my horror for the first time in my life. As it's Zelle the {$700.00} ( $ XXXX ) my bank is unable to recover the funds. Is there anything that Zelle can be responsible for in this situation. I believed the emails were actually coming from Zelle. Thank you.
09/04/2022 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Fraud or scam
  • WI
  • 531XX
Web
We were tried to purchase a dog from a company allegedly based out of FL named XXXX. After the purchase of {$800.00} plus {$200.00} shipping the dog was supposed to be loaded on a plane and sent to use the next day. The next day arrived and we got an urgent notification for a temperature controlled crate due to weather at a rental rate of {$1800.00} with 98 % return after the crate was returned after delivery is fulfilled. We found it odd so we reached out to the seller who stated that they have ran in to that problem before so we agreed to it. XXXX was being shipped using XXXX XXXX XXXX XXXX XXXX XXXX ) who is still showing shipment ongoing. We received a call from someone who was interested in another dog listed which led to the belief it was a scam. We attempted to contact the seller who is no longer answering any form of contact. We also can not get in contact with the so called shipping company. XXXX domain has since been removed. The likely fake contact we got is listed below. We have also found the dog up for sale to be on a scam alert. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX
07/25/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 91335
Web
On XX/XX/2019 at XXXX XXXX I purchased three baseball tickets for {$180.00} using Zelle thinking there was some sort of protection for the purchase. Ultimately I was being scammed and there was no recourse available to prevent other consumers from being scammed. Zelle does not even provide an opportunity for the consumer to report fraudulent activity that their service is helping perpetuate. Their automated system hangs up on callers that were not using the app for their service. Even if I was unable to get my money back I wan na do prevent the same fate befalling others. It does not make sense for there not to be a system in place to report fraudulent activity occurring using their service. If an account is flagged they should freeze the account until it can be determined that the person is not performing criminal activities. My XXXX XXXX directed me to contact zelle claiming an inability to do anything. Both companies claim that they are unable to act anf equate the transaction to cash. The problem becomes that you can report cash thefts to the authorities whereas XXXX and zelle claim to not be the authorities.
01/21/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 339XX
Web
XXXX XXXX XXXX XX/XX/1973 last XXXX ss # XXXX After filling complaint with early warning reporting agencies XXXX XXXX and XXXX XXXX continually report fraudulent opened accounts affecting me from opening accounts on my own without them verifying my identity and hard copies of any application with any signatures matching signatures on my Dl 's XXXX XXXX contended that the account was opened online but the address that's on file is a commercial property with businesses I never lived in a commercial property or owned one either. XXXX XXXX act as if I'm the one wrong by calling me and drilling me like I did something wrong. But the truth is someone stole my identity hacked my phone number, email address and applied for car loans while I was working over the road and I would help in any way I can to find out who's doing this because it's a ongoing problem everyday I get a email saying my social security number is being used while I'm thousands of miles away from Florida. So if their not willing to fix this I will challenge them on Court got fraud, defermation of character and opening up fraudulent accounts in my name.
11/15/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • TX
  • 77386
Web Older American
I am a XXXX patient and I had to send money ( {$70.00} ) for medication to my cousin, XXXX XXXX XXXX XXXX in New Jersey. Her number is XXXX. While sending the money via Zelle XXXX, I made mistake and typed XXXX and the money went to XXXX XXXX XXXX XXXX who lives in New York. I immediately called him and told about the error. He talked to his bank ( XXXX XXXX ) and asked me to retrieve the money via my bank XXXX XXXX XXXX XXXX ). I filed a claim and waited for 45 days and my claim was denied. My bank is asking me to contact the recipient and demand my money. I contacted him multiple times via text, even left phone messages but he does not respond. XXXX XXXX XXXX says Zelle is a third party while the truth is they own it jointly with XXXX XXXX and some other banks. I have spent hours making calls and visiting the bank but no one is willing to help. They do {$75.00} XXXX business through Zelle only but do not care for my loss of {$70.00}. Please find attached 1- the proof of transaction, 2- proof of my text message with the un-cooperating recipient, 3-Bank 's denial of claim letter. Please help! Thank you.
08/27/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • MD
  • 21217
Web
To Whom It May Concern : Consumer ID : XXXX I recently reviewed an extensive copy of my EARLY WARNING CONSUMER REPORT & credit report included dark web alert ( s ) with the intention of trying to improve myself and take care of my responsibilities and noticed an account that I wanted a little more explanation on, and it needs to be deleted/removed from my EARLY WARNING report. - ( Contributor : XXXX XXXX XXXX Contribution Ref # : XXXX ) I also recieved an alert on my XXXX account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. THE POLICE REPORT # : XXXX FTC Report Number : XXXX I DEMAND THIS ACCOUNT LISTED BELOW TO BE DELETED/REMOVED OFF MY EARLY WARNING CONSUMER REPORT IMMEDIATELY!. Contributor : XXXX XXXXXXXX XXXX Contribution Ref # : XXXX, ==>delete it from my EARLY WARNING REPORT Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
03/31/2020 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • NH
  • 03054
Web Servicemember
I was on vacation with the family in the greater XXXX area. We wanted to attend a XXXX game, so we searched XXXX for tickets and were brought to a XXXX ad for someone who had tickets. We contacted this person by cell phone and were told the tickets were still available. I offered to pay through XXXX, which ive done plenty of times before. He said he had recent problems with XXXX and preffered to be paid on the Zelle app. I XXXX Zelle and saw that it was an app that was created by some of the largest banks in the country. It seemed legit to me, as Zelle advertises as a safe and better way to pay online. I sent the man {$300.00} for tickets and headed into the city. At that point, the seller abruptly stopped communicating and we were stuck in the city with no tickets and a {$300.00} loss. I immediately contacted my bank and Zelle customer service. My bank said we would have to address it with Zelle. At zelle, we spoke to a foreign operator who said there was nothing i can do. What kind of crooked business is this? I provided Zelle with the names and numbers associated with the transaction, but they did nothing.
12/30/2016 Yes
  • Credit reporting
  • Improper use of my credit report
  • Report improperly shared by CRC
  • TX
  • 770XX
Web Older American
Initially, I disputed an item on the Early Warning report after which I received an updated copy. Upon reviewing the report, I noticed that every payment to my creditors whether ACH, checks and Debit Card payments are in this report since 2013. I do understand reporting an account is Overdrawn and resulted the closure of the account, Bank closed the account and credit score for the account but not all my transactions. I called XXXX XXXX XXXX to find out why they would report all the transaction history on the account, I was told they did not provide the information to Early Warning. Next, I called Early Warrning to ask them why we 're providing all transaction history to other people inquirying without my permission. They told the only items that will reflect on the report were payments processed twice. I explained to her the transactions on my report are payments successful the first time. In addition, I asked them to remove all the transactions and leave the statuses on the accounts. My report also includes purged accounts, pending close accounts dated as far back as 2013, and accounts that should be removed.
09/13/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 947XX
Web
I bank with XXXX XXXX XXXX in California, my account is linked to Zelle. I received some fraudulent charge text alerts on my phone and then immediatley received a call from a person claiming to be from my Credit Union. They listed some fraudelent charges to me and aske id I had authorized them, I said no to all. Then they asked if I approved a {$1000.00} Zelle payment to someone XXXX XXXX and I said " no '' I didn't authorized that. He then said he'd send me a text to verify this and instructed me to type " Yes '' to indicate that I wanted this transfer reveresed which I did. I then almost immediately realized that this was a scam but it was too late because the money went out of my account to someone named XXXX XXXX and the banks take no responsibility for fraudulent Zelle charges and Zelle 's policy is that they don't either. So now I am out of {$1000.00} of my hard earned money because there are no safeguards in the banking industry for this and no-one, the financial institutions or Zelle, takes any responsibiliy. It's as if someone walked up to me, and took my money right out of my pocket and nobody cares.
08/22/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 77008
Web
Today I did a payment for US {$1000.00} to XXXX using Zelle, one family relative texted me using XXXX and asked me to help him with medical bills from a recent ER visit he had, he told me to send the XXXX to the email above to pay for some medical supplies. We tried to phone him but due to his medical condition we were unable to get him on the phone so we did the zelle payment. Later today we finally got in touch with him and he confirmed that his XXXX account was hacked and he didn't asked us for money. We transfer using XXXX and filed a claim with them for this but they are not very positive. The person owning the email above is not a XXXX customer and they don't know what bank the money ended up. There should be more protection when using Zelle, like having the payment pending for a longer period of time at least XXXX hours, so a fraud is at play we have time to reversed the payment. Also, I hope this information is used to flag the account of this guy and somehow prevent others from being robbed. I personally won't use zelle again, the protections are not in place to do transactions in a safe manner.
11/03/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CO
  • 80229
Web
I bank with XXXX XXXX. I used Zelle to purchase a puppy on XX/XX/2022 .These people had a website online and it looked legit. They began texting me and seemed very professional and asked me to send them money for the puppy I wanted. I was hesitant but was told after they received payment I would receive a sales contract and details about when I would receive the puppy. As soon as I sent money they began acting shady. They stopped replying to my messages then replied a couple hours later stating they became busy and that I would receive my sales contract shortly. I then just asked them to cancel my purchase and that I wanted my money back. I called my bank that same day... only hours after the transaction through Zelle to report it. They entered a dispute to Zelle and was denied my money back. Much later that evening they sent a bunk sales contract. It had wrong dates on it and even since haven't received my money back or a puppy.I since have been contacting the person that stole my money which was in the amount of {$710.00} dollars and they have made threats to me. I will be going to the police about this.
09/24/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • WA
  • 98512
Web Servicemember
On XX/XX/XXXX I made a verbal agreement with XXXX XXXX XXXX that reads as follows : I ( XXXX XXXX ) will down pay {$300.00} for delivery of a new XXXX XXXX XXXX ( here on " XXXX '' ) and pay {$200.00} within 1 day ( 24 hours ) of receiving the XXXX.Failure to pay within 24 hours, except in circumstances outside my control, will increase the price by 5 % per day after the due date. You ( XXXX XXXX ) are solely responsible for the delivery of the XXXX and are to share tracking info as soon as available. The XXXX is to be delivered within 1 month ( 30 days ). Failure to deliver within the timeframe, except in circumstances outside of your ( XXXX XXXX ) control, will occured a refund of 5 % of the total cost. After 2 months ( 60 days ) the item will be considered not delivered and will be refunded at 110 % of the total value ( {$500.00} ). '' On XX/XX/XXXX : I sent a message to the seller : '' '' Again any updates. No response and I will ask for a refund.Within 24 hours '' Two months have passed. The item was not delivered and contact has been cut. I requested a refund from Zelle and XXXX XXXX on XXXX XXXX.
12/19/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78704
Web
I am a victim of identity theft. Several accounts have been opened in my name without my consent or knowledge. I have previously had to dispute accounts with XXXX, XXXX, and XXXX. All of these accounts were closed and after an investigation the negative information being reported was removed from my Early Warning Services report. A new account has now shown up on my report from XXXX. I have never done business with XXXX and according to their website I am not even eligible to have an account with them as I am not married nor have I ever been, I am not in the military nor have I ever been and I have no family that is currently serving or who has served in the past. My apartment was broken into and several of my things were stolen, including : My passport, driver 's license, debit cards and two check books. I filed a police report with the XXXX Police Department. The police report number is : XXXX The theft of my identity documents resulted in this identity theft. I have attached a copy of my social security card, my driver 's license, the police report and a copy of the FTC affidavit of identity theft.
12/16/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • 10025
Web
On XX/XX/22, I was defrauded of {$500.00} in a phone scam through Zelle transfers from two bank accounts. One was XXXX checking, the other was XXXX XXXX. The caller pretended to be my utility and demanded emergency payment in order to avoid electric shutoff. Since I authorized the Zelle transfer, it was not covered by insurance. XXXX investigated, and told me that the receiving bank account was at XXXX XXXX XXXX. XXXX XXXX refused to investigate at all, which is habitually poor customer service, but not the subject of this complaint. Zelle and XXXX XXXX XXXX provided the platform for a phone scam that cost my family {$500.00} -- that's one week 's salary -- and there is no way to recover the funds.The scam relies on Zelle 's speed of transfer, and XXXX XXXX XXXX 's lack of responsibility for how its accounts are used. Both Zelle and XXXX XXXX XXXX are aware that this scam is rampant and costing their customers dearly. Zelle and any banks receiving Zelle funds must be accountable for the fraud committed using their services : they must be required to reimburse funds stolen using their services.
07/21/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 92706
Web
I have a small XXXX where I make XXXX XXXX and XXXX XXXX XXXX. This person reached out to me for a local event and even provided a date, time, location for this specific event. They sent me half the money up front via an e-check. When I deposited it via my mobile account, the check cleared almost immediately. Then, a day or so later this person reached out saying that the event was cancelled due to XXXX. They asked me to send the money back via Zelle. A few days went by and I received a copy of this check in the mail from my bank with a fraud stamp on it. I thought that was weird since it cleared on my mobile bank account. So, when I went to look back at my bank statements, I noticed THREE returns made to this person. The return I made specifically to them, another {$1500.00} they decided to take, and in addition to that another return that I didnt make for {$15.00} to that same person. This was incredibly awful and a lot of money taken from me. I have all the information saved in my email for further use if needed. I also have their email address and the Zelle account they used. Thanks in advance!
05/19/2017 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Unexpected or other fees
  • PA
  • 184XX
Web
A money transfer in the amount of {$1000.00} was processed on XXXX to my landlord who has a XXXX XXXX XXXX account this transfer was with a company called XXXX . On XXXX the payment of {$1000.00} was taken out of my account. On XXXX another {$1000.00} payment was taken. None of which ever made it to my landlords account. On XXXX I was called at XXXX by XXXX . T o inform me that XXXX XXXX XXXX would be returning the money on Wednesday XXXX . On XXXX I received an email from XXXX stating that my payment had failed and the money would not be returned to me because there were no funds taken. Which is clearly not the case. I called numerous times throughout this process. All almost to no avail. I was told in the very beginning that they could not help me. I have spoken to supervisors and still am in a run around. I called on XXXX and was told basically they had no idea what was going on. And today which is now XXXX . Still with no resolution. Or even a glimmer of resolution. With an overdrawn account and bills that need to be paid. I am running out of time and patience.
12/06/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CO
  • 802XX
Web
I was trying to accept a payment for an online sale via Zelle which I had never used before. The person who scammed me ( I know now ) sent an email saying my account was frozen because I could only accept a lower amount than they had sent and that they needed to send a higher amount that I would then need to send back to them. I called my bank and my account was frozen so they unlocked it for me. And I sent the money that I thought had been sent through. Then I got an email from Zelle saying the person had double payed by accident and they wouldnt release the funds until I sent another {$500.00}. I tried to contact Zelle but you can not talk to anyone at that company when you call. I wanted to confirm that any of this was correct ; I talked to my bank several times and they did not flag this. I finally realized it was a scam when they said the ladies account was locked and I needed to send additional funds via XXXX. So Ive lost {$1000.00} right before XXXX and because XXXX cant get in touch with anyone from Zelle I have so chance at notifying them that this persons account is being used for fraud.
11/01/2021 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • MA
  • XXXXX
Web Older American
On XX/XX/XXXX I received a phone call from someone saying my XXXX XXXX account was overdue, {$490.00}. They said a truck was on its was to turn off my service. They said I could pay online with Zelle. I told them I wanted to use my credit card, they said it was not possible to use a credit card. I setup a Zelle account with them, I sent out {$490.00} and they said, it did not go through please send out {$490.00} and tomorrow morning they will refund your {$490.00}. First payment : Conf # XXXX ; XXXX, XXXX {$490.00} Second payment : Conf # XXXX ; Fc, XXXX {$490.00} Phone number they called from : XXXX Phone number money went to : XXXX The next day I called XXXX to see about my refund for {$490.00}. The XXXX representative said they never call for money or would they turn off the service. They suggested I call my bank and the police department. I called my bank XXXX XXXX XXXX they investigated they said the money went to XXXX XXXX. They said they were not able to help me. My claim # with XXXX is XXXX I filled out a police report with the XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX. XXXX
09/11/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • MD
  • XXXXX
Web Servicemember
To whom it may concern : This is a formal notice of dispute regarding information that XXXX XXXXXXXX XXXX sent to XXXX and EWS, a consumer reporting agency. The following false information was sent to XXXX and EWS : Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. This information was disputed with XXXX and EWS on XX/XX/2017 ; however, XXXX XXXXXXXX XXXX verified the information as accurate. This falsely reported information damages my financial reputation and should be removed immediately. XXXX XXXX XXXX reported suspected fraud when in fact, no fraud took place. There was no illegal activity on the account. XXXX XXXX XXXX did not experience any financial loss and no money is owed on this account. There was no violation of the account agreement that governed the account. Under my rights under the Fair and Accurate Credit Transactions Act, I am asking for an investigation of this reported information, and removal of the false information reported to XXXX and Early Warning Consumer Serivces. Sincerely, XXXX XXXX
01/04/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • FL
  • 33126
Web
My tenant paid me on XXXX XXXX via Zelle money transfer. I was supposed to get it that day but either Zelle or my tenants bank, I believe, XXXX XXXX has not transferred the money until today, XXXX XXXX XXXX XXXX XXXX XXXX I have called my bank, XXXX XXXX, and they said they had no control over Zelle or knowledge about transfer and that my banking side is good. My tenant called her bank, I believe, XXXX XXXX, and they said to call Zelle. Calling Zelle does not connect you as the prompt does not connect but suggests to contact a bank with whom one used Zelle. My fear is that they use similar practices for many customers with minimum oversight and people maybe afraid to complain. I am not a criminal or fraud, my tenant has been using them as an established client and transferring money using same Zelle transfer services for a long time. Is there anyway to put a stop to it? I understand that they can say security measures were in place and holidays did not help but should it not be the case for established consumers that sent money to each other for quite sometime? Please assist and advise.
06/22/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78704
Web
I am a victim of identity theft. Several checking accounts have been opened in my name without my knowledge or consent. I have extended fraud alerts on all of my credit profiles but somehow these accounts STILL get opened. About two years ago someone broke into my apartment and stole several things, including my social security card, driver 's license, birth certificate and passport. It has been terrible. I filed a police report and FTC identity theft affidavit and have attached both. I also attached ID and letters from other banks that also opened accounts in my name, investigated them and found I was not the person who opened them. I have my early warning services report and all of the reported information is incorrect. All of the account closures are incorrect because I did not open the accounts. All of the inquiries are incorrect because I didn't apply for the accounts. I have no applied for or opened a checking account in over three years. Anything new information reported within a three year period is not me and is a result of the apartment break in that resulted in identity theft.
04/25/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MI
  • 48706
Web
Zelle Scam on Wed, XXXX XXXX at XXXXXXXX XXXX Dear, Customer We encounter a little problem while trying to credit your Zelle account, you received a payment of {$850.00} USD but we have a problem in crediting your account with that amount because the status of your Zelle account is not a business user which makes your account have a limit and this amount seems to be above your limit. You have to take the urgent step to expand your account limit. [ FOLLOW THE INSTRUCTIONS ] Contact the payee to your account to help you send an additional payment of {$500.00} USD so that your account limit can be expanded, As soon as this is done we will send you a notification before we process the total payment into your Zelle account. Your account will be credited with the total sum of {$1300.00} USD immediately Contact Privacy Legal Zelle Logo Transaction and payment assurance. An alert has been sent to your buyer in regards to the {$500.00} USD additional payment to send, we will secure this transaction with high priority that neither the buyer nor the seller will lose a dime in this transaction.
03/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28079
Web Older American
Early Warning is lying in their reply to my complaints. They have obeyed the law, blocked the item as required, then broken the law by reinserting the item WITHOUT the authority of the law. The info is coming from the bank, XXXX. They are in cahoots with each other. Early Warning is the CRA, they report the info XXXX gives them. I, as the consumer, can provide 4 documents to the CRA and by law, the CRA must block to items I identify in 4 business days or less. Early Warning has done this multiple times. Now the law, section 605B of the FCRA allows the CRA to reinsert the item if 1 of 3 criteria is proven. 1. Asked block was in error. 2. Material misstatement of fact by consumers. 3. Proof that the consumer received goods or services from the blocked item. These are the ONLY 3 reasons a block can be lifted. NONE of those 3 exist. All 3 are not true. How does Early Warning add the blocked item back onto my file with them? They break the law blatantly then call my complaints frivolous. If they are true and backed by the police findings and law, how can my complaint be frivolous?
03/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • AL
  • 366XX
Web
XXXX XXXX Consumer ID : XXXX Date of Birth : XX/XX/1978 XXXX XXXX XXXX XXXX, Alabama XXXX Early Warning XXXX XXXX XXXX XXXX XXXX, Az XXXX ( XXXX ) XXXX Dear Early Warning Services, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on an Early Warnings report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your failure to positively verify this account has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. Please verify the following account or remove it immediately. Account Closed by XXXX XXXX XXXX XXXX Account # XXXX Closed for Cause- Purged Sincerely, XXXX XXXX
01/17/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 91335
Web
To whom it my concern, on XX/XX/XXXX. 2022 I never received {$1000.00} to my XXXX account from my cousin, who wire money via Zelle XXXX XXXX XXXX ). We have exchange money back and forth frequently around same time frame ( XXXX Zelle ). approximately on XX/XX/XXXX. 2022 I noticed someone tried to wire {$5000.00} from my account without my knowledge, I immediately called chase and we started investigation. I have learned that my account at chase was hacked and all my personal information was changed and rearranged with in the account like primary phone number and E-mail address and very suspicious activities were happening. Shortly after, with extreme difficulty and many investigations from XXXX XXXX and XXXX we got to learned that my money end up at XXXX XXXX XXXX at unknown account to us. My problem is that no-one taking responsibility and my XXXX dollars are gone without further logical and fair explanation. Zelle, XXXX, and XXXX XXXX XXXX keep pointing fingers at each other. not sure if you'll help either, but I'm exercising all my options at this point. Please advise. Thank you.
11/30/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TX
  • 78240
Web
I was scammed. I was tricked by somebody on XXXX to send money through fake zelle emails sent to me on XX/XX/2022. I was selling my baby bassinet on XXXX and somebody reached out to me to buy it but sent the money through Zelle business account. I received an email claiming that in order to receive the money I had to raise my limit because it wasnt a business account so they had me ask the client to send me {$300.00} and me refund it back. Client didnt send proof of payment but I had to send it back to even when my bank was at {$0.00} balance. It went through the bank and I went to XXXX. Then I got an email that somehow I had to make q business account to get the full amount back and send another {$500.00} and thats where I drew the line and didnt send it. I realized I was scammed and contacted zelle through their app as a complaint then called them. They told me they couldnt help because the transaction was authorized so I contacted the bank and they said the same thing but theyd file a dispute to try and help. But it takes time for that to go through and now Im sitting with no help.
03/26/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TX
  • 78665
Web
I got scammed by an entity that pretending to be a legit employer. They offered me a job, sent me a check, and asked me to deposit the check and pay vendors through zelle and wire transfer to setup home office. On XX/XX/2022, I deposited a check of XXXX dollar at the bank thinking it was a valid check. XXXX XXXX verified the check, cashed it, and check processed and money became available in my account. Employer asked me to transfer XXXX dollar through Zelle. Then, on XX/XX/2022, as all XXXX dollar processed and became available, employer asked me to do multiple Zelle and wire transfers. So i did XXXX dollar through three Zelle transactions to XXXX XXXX ( XXXX ) and XXXX dollar wire transfer to XXXX XXXX XXXX, thinking they are valid vendors. On XX/XX/2022, I received notification from XXXX XXXX that they returned the check. At that time, it hit me and I realized i've been scammed. I straight away called the bank and let them know, and even went to the branch. Branch asked me to call, when I called it keeps transferring me to here and there and it's very hard to talk to anyone.
06/27/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Opening an account
  • Unable to open an account
  • FL
  • 331XX
Web
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I was a victum of fraud I tried contacting both parties to resolve this issue but received no help. Contributor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 15 U.S.C 1681 section 602 A : States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : States A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
07/07/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • UT
  • 84124
Web
Late in the day on XXXX, I transferred money to a person via Zelle in my XXXX app for tickets to an event in the amount of {$450.00}. On the morning of XXXX, the tickets had not arrived. I contacted the person via text who never responded. I then called them, they immediately hung up and blocked me. I immediately called chase bank to stop the transfer as it was a scam. XXXX XXXX told me that because of the terms and conditions with Zelle, there were no actions that they would take. I then called Zelle, where I could not reach a person via phone. Via XXXX messaging with Zelle, they told me that they offer no protection to their users and I would have to file a claim with my bank. I then contacted XXXX via XXXX XXXX and additional phone calls and was told repeatedly that they care for the customers but they made no attempt to obtain the money from the scammer. I was in contact with both companies less than 12 hours after the transfer occurred and neither made any attempt to rectify the situation and sent me on a wild goose chase with neither company having any accountability.
05/07/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Problem adding money
  • FL
  • 33064
Web
I represent two Parties - ( 1 ) Myself trying to pay a payment to a small business - XXXX XXXX XXXX XXXX - a small not-for-profit dive club ... For the last year ( 18 months ) this kind of transactions have been allowed ( within a weekly limit of - I think - {$400.00} ) I am - was used to -using Zelle - " the back door way '' - say when your financial institution ( credit Union - mine is XXXX XXXX does not officially supporting Zelle as an offered service ) does not support - you follow the instructions on the Zelle `` how to pages '' : signup [ with the cell phone app ( XXXX or XXXX XXXX ) and use your ATM card ] - my last attempt was blocked - with the error message - that a back-door Zelle payment ( ATM based ) is not allowed to go to a small business??? This defies the purpose of the whole system??? The second party ( 2 ) is that I am an XXXX XXXX - XXXX XXXX XXXX XXXXl - and pour business do rely on getting the payments - for dues and trips - that are now blocked - see above I do have a detailed writeup - that I hope I can upload - if not please reach out for details
10/10/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 91790
Web
On XX/XX/2020 I found a seller named XXXX on Offer Up, I purchased an dining table at {$170.00} from her that she claimed it is BRAND NEW. I specifically asked if its new before I purchase. Table is wrapped in an taped open boxed and unassembled. When I got home from picking up the table, I noticed the corner of the table are worn and one of the legs are falling apart that makes the entire table unsteady, the table will fall apart anytime. I then texted the seller was trying to see if I can return and get my money back and she insist that the table is new. I then told her from the open box & partial wear and tear this is definitely a return product from the store. She has text back since and I believe I was blocked by her. I called my bank, XXXX XXXX XXXX, to frozen or dispute the XXXX transaction at ( XXXX transfer is how I paid her ) but they told me there is nothing they can do if its a XXXX transaction since I initiated the payment. I know {$170.00} isn't a huge amount but I am unemployed from the pandemic and I needed that money for a dining table that actually works.
06/08/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NJ
  • XXXXX
Web Older American
On XX/XX/2021 I transferred money through my bank using Zelle in the amount of {$1000.00} to my daughter. She never received the money. Called Zelle on several occasions they said they sent it. Zelle sent me a Trace No. Contacted XXXX, the intended receiving bank, and they said they never received it. Asked for investigation. My bank sent me verification of money transfer. Had an attorney send them a letter on XX/XX/2021 to Zelle Corporation Headquarters and XXXXXXXX XXXX asking for investigation and transfer or refund of money along with any fees. Zelle 's legal entity Early Warning responded on XX/XX/2021 stating that they confirmed with XXXX that they received the money. Early Warning supplied a number that they delivered the money to. The number they provided is not accurate. It is not the number that was used with my original bank, nor is it the number that XXXX has. Zelle did not transfer the money as requested to the number provided. It is seriously hard and laborious to contact Zelle and or their legal representative. They must return the money to me along with cost.
09/01/2022 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • CA
  • 94121
Web
This is for the company : Zelle XX/XX/XXXX the transaction happened, and XXXX XXXX was notified and denied to reimburse me even though I have the Zelle persons information etc. I am not satisfied that I do not get reimbursed while the scammer goes unpunished. This person on XXXX XXXX XXXX, who had the name XXXX said he has XXXX tickets to outside lands, but would need me to transfer the money to his friend on Zelle. After transfering, I wanted the confirmation and he said the ticket office would email. They never emailed. I tried to write XXXX and call many times on his XXXX, no response. Then his profile disappeared with a new name XXXX, and the Zelle person I transferred money to deactivated their account! Because I have the Zelles persons email I wrote them and they pretending it is not them even though it is EXACT EMAIL. I demand I get reimbursed and they get punished! {$210.00} is a lot of money! Zelle and the banks are being not acceptable If you also need the email convos of the Zelle person who is pretending it was not them, let me know. This is completely insane
02/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 34787
Web
15 USC 1881b Permissible Purpose of consumer report, 15 USC 1681c-2 Block of information resulting from identity theft, 15 USC 1681n civil liability for willful noncompliance. THESE XXXX COMPANIES VIOLATED MY CONSUMER RIGHTS, XXXX XXXX XXXX WLLING GAVE AWAY MY PERSONAL INFORMATION WITHOUT MY CONSENT, XXXX, AND EARLY WARNING FURNISHED THAT INFORMATION ON THEIR PLATFORM WITHOUT MY CONSENT. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. USC 1681 ( 3 ) ( e ) The term investigative consumer report means a consumer report a portion thereof in which information on a consumer character, general reputation, personal characteristics, or motive living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he or she is acquainted or may have acknowledged concerning any such items of information. XXXX never interview any of my neighbors or close friends during this investigation of my report. These corporations have violated my consumer rights.
10/18/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33810
Web Servicemember
My identity theft is not being taken seriously and was not included in any reporting that XXXX did to early warning services which has made it impossible for me to open a bank account plus it affected the current account I had causing a freeze and they are reporting information to the agency wrongfully and have not responded To any notices sent on behalf of me and the FTC on XX/XX/2018 and also they havent responded to a police report number submitted prior to that on XX/XX/2018 for the fraud committed in my name. It went as far as affecting my auto and renters insurance and I received nasty letters from my XXXX XXXX and property insurance company starring they would cancel my insurance because of what XXXX REPORTED. Ive called dozens of times to talk to a live rep and each time was put on hold to be told after 20 minutes they couldnt be reached in the security department that I would receive a call back and I never did. Then my email was part of my idintity theft and they continued to send emails to me even though I could not access the accounts that had been hacked.
06/30/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • IN
  • 46256
Web
Puppy purchase. XX/XX/2023. Seller named XXXX. Phone number XXXX. Exchanged phone calls and text messages. Was instructed to pay via Zelle to email address : XXXX under the name XXXX XXXX. I made the payment as instructed. The Zelle record matched the information I was given by the seller ( XXXX ). My Zelle transaction number was XXXX. XXXX let me know he did not receive my payment and instructed me to cancel this payment and send payment to a different email address ( XXXX, name=XXXX ) XXXX I contacted XXXX XXXX and was told it is impossible to cancel a Zelle transaction. XXXX proceeded to tell me that these email addresses are temporary and are only valid for limited periods of time. I filed a dispute with XXXX XXXX and the transaction is under investigation. I filed a complaint with Zelle as well. I do not know the status of the complaint I filed with Zelle. The Zelle feature is built into and included within my XXXX XXXX app on my phone. If Zelle transactions can not be reversed, verified as valid accounts, etc., I don't think XXXX XXXX should encourage use of same.
05/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33137
Web
You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. { dispute_item_and_explanation } XXXX XXXX XXXX Account Number : XXXX { dispute_ Inquiries XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 44106
Web
XXXX XXXX XXXX Illegally without my consent furnished inaccurate identity theft information to a company called EARLY WARNING SERVICES. I sent Early Warning Services as well as XXXX XXXX XXXX police reports and a cease and desist to stop reporting the illegal inaccurate information and they only blocked the information but did NOT delete the information as I requested per the FCRA. I was also not given any opt out disclosures as required by the Gramm Leach Bliley Act in order to opt of having my nonpublic information furnished to the public. They are in violation of the FCRA and I was a victim of identity theft. Someone tried to pass a bad check on my account and I was unaware of the situation without my consent. I want Early Warning Services to follow the law and delete the illegal account being furnished on me because its hurting my creditworthiness, damaging my reputation and they are willingly violating the law without my consent to furnish any information on me without my consent. I want Early Warning Services Investigated for breaking federal law against me.
07/08/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • GA
  • 314XX
Web
I am creating an additional claim due find out more information. I recently was scammed by a person posing as a renter for an apartment in XXXX. This person refused to let me see the apartment and I backed out of the lease agreement. The person told me that I could submit a document to get a refund, but I have not received it. Zelle won't do anything about it because I authorized the first initial payment because I thought I was getting an apartment. The security deposit was {$1700.00} on XX/XX/2022. This week I found out that this person has scammed people before, and Zelle is fully aware of it. A woman I spoke to was scammed by the same person. She was not only scammed of {$5000.00} but this person stole her email, and her name, and froze her bank account. This happened before I was scammed, and Zelle already has a report on this person yet they still continue to let this person use Zelle with no protection for those who aren't scammers. I can provide more details, and I wanted to emphasize how Zelle gave me the blueprint if I ever felt the need to scam someone.
06/05/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NJ
  • 07105
Web
On XX/XX/2023 at about 4 in the afternoon, I was unfortunately a victim of Zelle fraud. I was doing a sale on XXXX XXXX and someone of the name XXXX XXXX shared interest and set a date time to pick up my XXXX XXXX for XXXX $ since they " were out of town '' they were going to zelle me and I was going to drop it off at the cousin 's. I eventually got an email from " zelle '' saying that there was XXXX $ pending because the person sending me the money had to send a higher amount, so XXXX messaged me asking for the {$300.00} back I was hesitant but they were very polite and also had an email on their end. I fell for it and sent them the money. Then a few minutes later I get another email and realize I fell for a scam. I sent the Zelle for an amount of {$300.00} to a XXXX XXXX under the email XXXX. I called XXXX XXXX XXXX and was transferred to their Zelle fraud department and they said they would file a claim but given that the Zelle was already sent and to a XXXX XXXX XXXX I would likely not be able to get it back so I am trying to see if I have better help here.
09/10/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • KS
  • 66213
Web
On XX/XX/XXXX I made a payment of {$1100.00} to an account XXXX XXXX via zelle ( through my XXXX XXXX XXXX checking account ). The account holders email is XXXX. XXXX confirmation number XXXX. On XXXX I was apprised by the recipient of the funds that it was a scam therefore the transaction is totally bogus. This is what I received in the text from the scammer The Zelle account owner is XXXX XXXX and his roommate. I scammed both of you. My friend needed a surgery and I had to raise that money for him. I never planned to do that, but I am really sorry. I couldnt stand to see my best friend die in pain. The whole check stuff is a scam. I promise to return your money back to you and XXXX when my friend is back to life. We will work and return money back to both parties. I am really sorry once more. I want the bank XXXX to work with zelle to get the funds back from the scammers. I opened a case with XXXX ( case XXXX ) but have not heard back anything yet. I can be reached via email or phone XXXX for any additional details. Please assist in this regard XXXX
12/15/2023 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • SC
  • 292XX
Web Servicemember
On XX/XX/2023 I was a victim of an impersonation scam in the amount of {$500.00}. I was selling furniture online when this person offered to buy. All was well until payment time, because I received an email saying they sent the money but it was unavailable, and to get my {$500.00}, the other person has to send another {$500.00} to equate to {$1000.00}, and I would have to send {$500.00} to verify this. I don't often use XXXX so I was unfamiliar with the officiaXXXX XXXX email and had assumed this was legit. Upon realizing what happened I called on the same day my bank, XXXX, and XXXX but neither company did anything as they both told me accountability was on the other party to handle on my behalf. My dispute wasnt filed until 3 days later, by then XXXX had given the money to the scammer and likely the scammer had deposited the funds in their bank account, as even the scammer 's bank refused to refund me, despite that I have disputed this 3 times with documentation. Each time there has been a refusal of any of these financial institutions to find restitution
06/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • NY
  • 10468
Web Servicemember
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
04/17/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • IL
  • 60605
Web
I tried purchasing a electric bicycle from a seller though the app offer up. After he explained that the app didn't allow for shipping for we moved our conversation to a private chat through regular SMS conversation. He offered sending me the shipping label before I would transfer my payment for {$710.00} through the payment service Zelle. I agreed and upon receiving a shipping label of an oficial UPS store with my correct shipping address, I transfered the agreed money to the seller. He confirmed receipt and shared with me the tracking number. This tracking number never got uploaded or got active in the UPS tracking system and after asking this to the seller, he stopped all conversations with me. I called my bank ( XXXX ), to report the scam, unfortunately they were not able to give me any type of case number or told me if they were going to refund or protect me from this issue. This is the first type of report XXXX issue with my bank and I have a great standing relationship with them with two credit cards under my account with 100 % payment history.
04/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • IL
  • 60827
Web
Early warning XXXX refuses to send me my consumer reportI was. I was lied to multiple times by multiple representatives. I will never call that place again because I do not feel comfortable giving my personal information to proven Liars. Two Representatives refused to get a supervisor. they refused to contact the department where I sent the faxes. they sent me a letter claiming that the id copy was smudged and that I should call them or resend the fax. This is more of an inconvenience and insult because they clearly saw the attachments that I provided with my first cfpb complaint # XXXX where My identification was clear. I faxed them yesterday a request for them to send me my Consumer Report. They have had the attachment of my identification for a week yet they still refuse to send me my consumer report. again, I do not feel comfortable calling them or faxing them anything else regarding me because I was lied to and I can prove it. they should send me my Consumer Report because they clearly see my identification and I will attach it to this complaint.
08/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33071
Web
Error on consumer checking account screening report. I am requesting a correction of the following information that appears on my XXXX XXXX Early Warming Systems consumer report : Dispute : Source of Information : XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Phone Number : XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; ANY AMOUNTS OWED HAVE BEEN PAID ; Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported SSN/ID : XXXX Drivers License : XXXX State : XXXX Date of Closure : XX/XX/2021 RTN/ACCT # : XXXX / XXXX Closure Status : SETTLED IN FULL Closure Status Date : XX/XX/2021 I am requesting negative inaccurate information to be removed from XXXX & Early Warming Systems or any other consumer reporting company containing information that is inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX is in violation of my rights. I request that this negative report be permanently removed from my XXXX XXXX Early Warming Systems report. I have attached documents to verify my identity
09/09/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MI
  • 48220
Web
On XX/XX/2022 I put an item for sale on XXXX XXXX. An interested buyer made a plan to pick it up and wanted to prepay using Zelle. He sent me {$550.00} to pay for the item. I got an email confirming payment but did not see it in Zelle and noticed that my debit card was not up to date and was incorrect. I had only used Zelle once before so I updated the card thinking it would then go through. The email said I needed the buyer to add an extra {$500.00} to verify my account and to then follow instructions to pay the {$500.00} back. I was so uncomfortable having an extra {$500.00} and he was pushing me saying there was a time limit that I followed the instructions. I then realized there was not a payment to me in Zelle at all because I received another email from Zelle and noticed the slight difference between the email senders, on being Zelle online and the other just Zelle. I called Zelle and they do not offer any protection but reported the scam. I called my bank and I cant dispute it because I authorized it. Both places said there is nothing I can do.
08/22/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 77006
Web
On XX/XX/XXXX, I was scammed out of {$300.00}. I've reached out to XXXX because Zelle app is linked to my XXXX bank app, and they said I needed to settle this outside of XXXX. I've filed an online complaint about the scam through Zelle as well and have heard nothing back from Zelle directly. The situation was I am selling a piece of furniture on XXXX XXXX. The purchaser sent {$200.00}. Then I received an email from what looked to be Zelle stating that I have a pending payment of {$200.00} but I need to request an additional {$300.00} to create a business account. Supposedly, the sender sent the {$300.00} and I was to refund this {$300.00} to the sender and show proof to Zelle. I sent the {$300.00} from my bank account to this person. After that, I received another email stating I needed to send an additional {$500.00} to another person at Zelle for a Certificate Fee. The email addresses all ended XXXX, for both the person buying the couch from me and the person at Zelle. This is when I realized it was a scam and did not send the additional {$500.00}.
01/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • CA
  • 92122
Web
I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Early Warning to have inaccurate items removed from my consumer report as well as some unknown things. My XXXX dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Early Warning at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this point.
10/15/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • XXXXX
Web
It has taking about two weeks to finally receive a copy of my consumer report from Early Warning. I looked over the report and saw that there are two inaccurate accounts being reported on the consumer report and there are a large amount of inquiries from various banks. Two years ago I asked them to put a freeze and a security freeze on my consumer report to stop this but apparently they didn't abide by my wishes and I again have fraudulent reports on my consumer report. I sent in a dispute on XX/XX/19 and today XX/XX/19 I received a letter from Early warning stating that the dispute that I sent over will not be recognize as a dispute because each item you dispute must have a seperate dispute letter. I am livid because it is always something with this place that keeps you from being able to dispute or obtain your consumer report in timely manner and also in the manner that you want to receive like via email. Please just remove the two items that I requested to be removed and put the alert on the report and stop with all the deflections and nonsense.
07/11/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 90250
Web
On XX/XX/2023, I received a call from someone claiming to be XXXX XXXX XXXX and even called from a known XXXX XXXX XXXX number. The person claimed that fraudulent charges were taken out of my account and the way to reverse it was to send " fake amounts of money '' to the bank, who would then reverse the charges. They did this for accounts from XXXX XXXX XXXX and XXXX through Zelle. Amounts of {$890.00} and {$330.00} were taken from Bank XXXX XXXX Account and {$890.00}, {$490.00}, and {$490.00} were taken from XXXX account. I called XXXX XXXX XXXX who helped me file a claim but said that there were no guarantees that I would be refunded my money and I XXXX not hear from them until 45 days. I also called XXXX who transferred me to Zelle. Zelle said that they were unable to make a claim on behalf because Zelle 's terms and conditions state that since I authorized it, I can not get my money back. I have made complaints to the FBI internet crime complaint center. Have tried speaking with my financial institutions and contacted my local authorities.
07/22/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 92606
Web
Between XX/XX/2019 to XX/XX/2019 XXXX XXXX charged me {$3200.00} for the services provided for my son 's dog XXXX. She sent invoices from the hospitals and also collected additional funds. The invoices were for XXXX XXXX emergency admittance and XXXX. XXXX was never performed though she said it was. She also failed to comply by providing the records of any services that were rendered to XXXX. This put XXXX in danger and in absence of the records, it is causing heavy inconvenience for us to have XXXX registered in XXXX. This is a clear case of fraud and when I tried to contact XXXX XXXX XXXX for the transactions done via online banking, they could not help. The transactions using Zelle ( through XXXX XXXX XXXX ) are below. They are to XXXX XXXX ( XXXX XXXX CA phone - XXXX ). XX/XX/19 - {$480.00} XX/XX/19 - {$740.00} XX/XX/19 - {$990.00} XX/XX/19 - {$50.00} XX/XX/19 - {$670.00} Please help this resolve this ASAP and have XXXX provide XXXX 's records and refund the excessive money she charged for the services that were not provided. Thanks XXXX
04/07/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Confusing or misleading advertising or marketing
  • TX
  • 79924
Web
On XX/XX/22 I was looking to fill a rx and seeking delivery service. I was led to make a payment through zelle which I never used before. The zelle payment request led me to my banking app I use weekly so I trusted the process. I sent {$100.00} to zelle account specifically requested to email XXXX and name XXXX XXXX as the recipient then text receipt to XXXX and my product would arrive in one hour. After 2hours I contacted the bank was instructed no refund would be issued and to contact zelle after doing so I was told to provide any info I had and it would be investigated. I asked if there was a way I could receive an update to the case or receive resolution after investigation I was told no due to privacy policies. I can no longer communicate with caliplugcarts.org through chat option it has been disabled and they no longer are responding to my texts after requesting a refund because they stated I would have to increase my order to {$230.00} if I wanted to receive my rx. So I have spent the next 10hrs seeking justice or a resolution to no avail
05/01/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • PA
  • 182XX
Web Older American
Received a XXXX email saying my purchase was completed although I didnt make a purchase. When I called the number XXXX told me my IP address was public and I was scammed. She then told me to download, I believe XXXX, which I did and then go to Zelle. I made numerous transfers under the belief and instruction from here that I was doing the right thing. This occurred XXXX. The total amount was about {$14000.00}. I kept all of the emails, transactions and phone number to which I spoke. She then told me to go to 1 of a list of stores and call from the parking lot. When I did she told me to go inside and by 4 {$500.00} gift cards and give her the numbers on them. I told her she was scamming me and didnt by the cards. Upon arriving home she called again and said I cold get just 2 cards. I told her no and that I was going to contact the FBI. When I tried contacting the number again it was ( out of service ). I contacted my bank to try to get my money back but was told that because I voluntarily sent the Zelle transfers there was nothing they could do.
08/06/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • WA
  • 982XX
Web
The person who scammed my XXXX daughter out of XXXX dollars : Sent to XXXX email : XXXX transaction Number : XXXX sent on XXXX XXXX XX/XX/XXXXXXXX was for XXXX XXXX concert tickets. I have contacted Zelle directly - said they could do NOTHING to get money back. That answer sounded absurd to me, so I contacted my bank. It turns out they can file a complaint with Zelle- so I did that. I was told to wait until Friday ( XXXX XXXX ) giving their dept. time to look into the matter and that I needed to call them... so I did. I was told if they got the money back that it would show in my daughter 's acct. - it hasn't. Asked the man if there were any notes to show that someone had actually tried to get the money back - there were not. To me this seems fairly simple, Zelle should contact the other bank involved, with the info. they have, and get my child 's money back, stopping a now-known scammer before they do it again. If Zelle can not provide this most basic service to stop scammers, then banks should not be offering their services to customers.
09/04/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • IL
  • 628XX
Web
Has something on credit that I'm not able to get insurance in my state can't get vehicle insurance so I can't get my license plate sticker renewed and I've been put in jail over bad checks from XXXX bank but XXXX sent me two checks that I can't cash anywhere bank account has me XXXX XXXX XXXX XXXX in the bad and I don't know how or who to get it fixed XXXX won't cash them either and wouldn't even take my XXXX XXXX card when I had money on card to pay for stuff I had to leave without I don't think this is right to be treated like this I don't think this country is what it was when I was younger people just don't get it it's a free country but always about that money free isn't there anymore being treated like a dog pound for checking written because of needs to live is wrong in my book we have needs to live I hate to see where we're doing in a few years if this isn't stopped online banking was my fault but I didn't know it was going to change my life to this I don't even feel alive anymore and just don't care for it is what it is please help
08/13/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • WA
  • 98103
Web
I received two ( so far ) text messages from Zelle informing me that someone sent me {$500.00}. I do not recognize the sender 's name, I was not expecting any money from anyone, and I do not use Zelle. I contacted Zelle to report the mistake or fraud, and to ask that they reverse or cancel the payment. They refused to reverse or cancel the payment, saying that if I do nothing the sender will receive their money back within 14 days. They didn't seem concerned that it was at least erroneously, but likely fraudulently sent from the rightful owners account, and they were knowingly profiting by retaining the money for a significant period of time. They also initially said that there was no way to block my phone number from their service, but after I got very insistent the agent seemed to change her story and said that she would block the text messages. I was tired of arguing with them at this point and gave up on pressing the point that blocking the text messaging was not the same as blocking my phone number from any use by their company.
01/26/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • MN
  • 55123
Web Servicemember
I apply for a checking account at XXXX XXXX, XXXX, XXXX XXXX and others after was turn down by each of the bank I thought it was because they just don ; t want to help me but they stated that the reason they declined my account due to they verify my information such as my social security number with a third party company that they paid service for and that company is called EARLY WARNING services there for they stated EARLY WARNING services stated I have a collections of my previous account with some of the banks listed above. However I filed a bankruptcy chapter XXXX on XX/XX/2019 there for under my bankruptcy chapter XXXX law and protection the debt owning to any of teh banks or creditors of these bank would be expunge and there for it is wrong that EARLY WARNING co. refused to comply with the federal law and yet made it become that I owe these banks and these bank refused of open me an account with them knowing my debt would be consider remove of any collections I may have with these banks or charge off accounts and gave me a bad name.
06/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 93446
Web
I was notified that I was part of the XXXX data breach via a letter on consumer file I was also notified my information was appearing on the dark web. I signed up for credit monitoring tools.I was notified by my credit reporting tools that my credit report was released to Banks without my consent or application. I immediately called same day and reported that as fraud. Both organizations blamed the other for approximately one month from today as I continued to call back andattempt to get the inquiries removed from my credit report. The following month I received a letter from these inquiries below per a request to open a checking account which I did not request or apply. I notified these banks who immediately took action and helped me file a 7 year fraud alert on my credit report with these banks who also did same with the other to credit reporting agencies. HOWEVER, these banks sent me a link to do same with XXXX since this was a request for checking account in my name Please help me look into this matter XXXX cant open a bank account
08/10/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • DE
  • 19720
Web
I was purchasing a puppy which was {$900.00}. I sent the money from my XXXX XXXX XXXX app through Zelle to the person I was making a purchase, but within 8 hours I did not receive further communication. I called XXXX and told them I thought I was scammed, and fraud happened. They opened up a dispute case for me. The scammer then sent the money from XXXX to XXXX. XXXX XXXX XXXX come back and say they can not get my money back from XXXX XXXX, which houses the fraud account used to steal hundreds of thousands. It seems like these banks are promoting theft and fraud and they do not do anything about it as a consumer, this is not fair. I can not believe the government would allow banks to operate this way. You think your money in a bank is protected but I can see they are not. This was the 1st time I used Zelle, and I assume I was protected because I used it in my bank app. XXXX has not even followed up with me since I submitted a dispute case. Why is Zelle allowing so much wire fraud and scams to occur without doing anything about it?
03/30/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • OH
  • 44133
Web
On XX/XX/23 I received an email from XXXX regarding a fraudulent transaction to which I replied I did not make the purchase. XXXX shut down my card and sent a new one. Minutes later I received a text from what appeared to be XXXX saying another transaction was attempted to which i replied " no '' saying I did not authorize. I immediately received a phone call from what populated as XXXX customer service and the individual told me my information was stolen and wire transfers were set up but cancelled. He also said a Zelle payment for {$5000.00} was set up for XXXX XXXX that day. In order to cancel it, he told me I needed to resend the payment to XXXX. After hesitation he assured me he was XXXX reiterating my PIN number, account number to me, which I never gave to him. I mistakenly sent the Zelle payment to the number not knowing this was a scam. When I called XXXX about it, they did not know of the call and said they would investigate. They told me it was my fault for sending the money and Zelle said they do not refund scammed money.
11/22/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • PA
  • 158XX
Web
On XX/XX/21 a money transfer via ZELLE was supposed to be made I was supposed to be sent {$110.00} and the app made the lady send me {$110.00} plus {$400.00} and wanted me to refund the {$400.00} but no money was put into my account to make sure I could refund the amount. I emailed the company notifying them that I had insufficient funds in my account to be able to send {$400.00} I got a email reply stating to send {$200.00} and with verification email and that they would send me half of the amount that was paid to me, I received none of that amount. So I emailed the site stating I would like the {$200.00} or what is owed to me and they requested another {$200.00} be sent in order to receive any funds but I had originally stated that I got scammed out of the {$200.00} and was left with {$26.00} witch is an insufficient fund and I would have to over draft my bank account in order to meet there standers. When selling an item I should not have to pay. I want my money back this app has left me broke and gave the other person with my money
10/28/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NY
  • 11228
Web
I was scammed out of {$850.00} via XXXX and Zelle on XX/XX/XXXX. I have been trying to work with XXXX bank to get the money back, but have not had any luck. I saw the ad ( attached ) on XXXX, XXXX ID XXXX, and inquired about the XXXX tickets ( {$850.00} ) for the XXXX vs. XXXX game on XX/XX/XXXX. I left my phone number via email and the person called me from a XXXX number ( XXXX area code ). He said he would send the tickets as soon as payment was sent. I sent the payment to a secondary number via Zelle that he provided and no tickets were ever transferred. I tried calling the number back and it doesnt exist. I believe it was one of those text/ mail numbers that can be deleted. The secondary number is connected to a bank account as the money was sent through Zelle. The name and phone number and email are : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX Any help would be appreciated as these tickets were for my dads birthday and now I am out {$850.00}. Zelle and XXXX Bank said they can not refund the money as the transaction was authorized.
04/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28079
Web Older American
Early Warning, is calling completely new complaints about how they break the law frivolous. I have the proof in their own letters they break the law. 605B of the FCRA in subsection C, gives the CRA 3 reasons to decline or rescind a block requested under subsection A of this same law. Early Warning has NEVER received a complaint about this issue, through the CFPB. Yet, their letter dated today clearly shows they lied and called it frivolous. Early Warning has blocked the XXXX account more than 6 times, yet, against the law, they have rescinded the block when NONE of the 3 reasons the law gives them exists. Breaking the law is NEVER right, and attempting to get the law obeyed is NEVER frivolous until the law is obeyed. Early Warning MUST provide proof beyond a reasonable doubt, that 1 of the 3 reasons allowed by 605B has occurred. None has happened, so when they rescinded the block over 6 times, Early Warning in fact is breaking the law over 6 times. Stop allowing Early Warning the ability to lie and break the law to harm me or anyone
04/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 48075
Web
I am writing to file a complaint against XXXX XXXX for reporting a debt to my credit report, even though I have paid the invoice in full. On XX/XX/XXXX, I received a notice from my credit report that your company has reported a delinquent debt on my account. However, I have already paid the invoice in full on XX/XX/XXXX. I have made several attempts to contact XXXX XXXX to rectify this error, but have not received any response. This is unacceptable and is damaging my credit score, despite having paid the debt in full and on time. I demand that XXXX XXXX immediately rectify this error by removing the delinquent debt from my credit report. Furthermore, I expect an apology for the damage this has caused to my credit score and the inconvenience this has caused me. If I do not receive a response from them or if the issue is not resolved within 30 days, I will take appropriate legal action. I would appreciate a prompt response to this complaint, including confirmation that the delinquent debt will be removed from my credit report.
07/14/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • IL
  • 60004
Web
I was selling my items through XXXX XXXX. The buyer contacted me saying he wants to purchase my items. He asked me for my XXXX as it was the payment I usually make online transactions with. He sent me a screenshot saying he sent me the money of {$150.00}. Shortly after, I received an email from " XXXX '' saying my XXXX needs to be upgraded to a premium account. I didn't know that was such a thing at the time. The email said I need to receive {$350.00} more, in a total of {$500.00}, to make my account premium. He sent me a screenshot that he sent me {$350.00} through XXXX and that I need to send him {$350.00} through Zelle in order to have {$500.00} back from XXXX. Then, I got another message from the buyer saying he was double charged from XXXX and I need to send him {$500.00}. Then I thought something was off, called XXXX and confirmed that it was a scam. I have the screenshots of the email I received from him as well as the conversation I had. I currently filed a claim through XXXX and Zelle. I didn't receive the money back yet.
01/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30228
Web
I submitted a complaint to XXXX through CFBP and the company responded that they are still working on the issue. I'm complaining that they should work quickly to remove my file and delete the erroneous information from their systems. I am complaining and noting that XXXX should know that there is no time to resolve this issue. They could be arrested, in jail or subpoenaed within 60 days if they don't act immediately. Normally within 15 days. It is illegal to place an individual 's information in XXXX or any other credit report file, randomly for no cause. XXXX deals with bounce checks and bank fees, and direct misuse of accounts, not " suspected ''. Possible alcohol and substance abuse is nationwide known factor in wrongful suspicion, along with other factors as well. XXXX has had 4 years to work on this issue and should have declined the bank 's faulty objection in XXXX. They are supposed to have knowledgeable personnel who won't make these kind of errors. I am complaining about this. I am complaining that there is no more time.
01/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30228
Web
I submitted a complaint to XXXX through CFPB and the company responded that they are still working on the issue. I'm complaining that they should work quickly to remove my file and delete the erroneous information from their systems. I am complaining and noting that XXXX should know that there is no time to resolve this issue. They could be arrested, in jail or subpoenaed within 60 days if they don't act immediately. Normally within 15 days. It is illegal to place an individual 's information in XXXX or any other credit report file, randomly for no cause. XXXX deals with bounce checks and bank fees, and direct misuse of accounts, not " suspected ''. Possible alcohol and substance abuse is nationwide known factor in wrongful suspicion, along with other factors as well. XXXX has had 4 years to work on this issue and should have declined the bank 's faulty objection in 2017. They are supposed to have knowledgeable personnel who won't make these kind of errors. I am complaining about this. I am complaining that there is no more time.
02/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • CA
  • 93711
Web
I have an account with XXXXXXXX XXXX, the place a hold on my account stating XXXX has placed a hold and they are closing my account and they dont have a time frame for that unless XXXX removes the hold. I spoke with XXXX they said they reported my Banking Credit Report and have nothing to do with my account and my money into it. There customer support says otherwise and they didnt transfer my call to their supervisor and kept me on hold for one hour and then disconnected. There customer care/ security department doesnt have appropriate knowledge and they dont listen to the customer. I am on disability and not able to move around all my monthly instalments and rent payments are bouncing because of the hold without giving any reason. I have already applied for getting my XXXX banking credit report which they say 15 days to process and another 30 days to settle the dispute and the bank says unless this is not resolved they wont give me money back. Please help me resolve this matter ASAP. My account number is XXXX and XXXX.
07/29/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • GA
  • 30213
Web
On XX/XX/2021, I tried to send a payment for XXXX $ to someone. The payment didnt go through at first. An error popped up and said to try again. I tried again 3 more times. Each time the error message came up and said the payment could not be processed. I then called zelle customer services see what the problem was and they said that it must be the receivers bank. So I decided to send the money another way and decided to delete my Zelle account because this isnt the first time Ive had a problem. After deleting my account I then called my bank ( XX/XX/XXXX and XX/XX/XXXX ) to double check that the attempts wouldnt be completed. Now today, XX/XX/2021, I check my account and the 4 XXXX $ payments have been processed and completed. I order to rectify the situation I then contact zelle to which they claim they cant help me because I deleted my account. I asked them to replay the recording from XX/XX/XXXX where I asked them to make sure they didnt go through and they said theyre non existent. I dont know what else to do at this point.
11/08/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 608XX
Web
I had an account with XXXX XXXX that was closed in XXXX. The account was charged off - the Financial Institution labeled the reason as " ACCOUNT ABUSE '' when in fact it was not. The negative balance occurred because I was laid off and out of work due to Covid. The balance when charged off was {$160.00}. I paid the account IN FULL within less than two weeks. The bank reversed the fees due to the nature of the scenario - however they never edited the label from account abuse. I disputed this account with Early Warning Services and they refused to research. The onus of responsibility should not be on a consumer to prove that they DID NOT prove a crime. In America you are innocent until proven guilty - if XXXX XXXX is claiming that my account was close due to account abuse they need to produce the instruments and documents that prove this. They won't be able to do that because there was no account abuse. The negative balance would have been covered right away had I not been laid off from work as a result of the Covid 19 pandemic.
10/26/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • PA
  • 18974
Web
I have been searching for a job to work in my background of IT. I CORRESPONDED WITH A XXXX XXXX XXXX on XXXX. I was eventually offered a remote position to work from home and This Company http XXXX XXXX This company was providing the following equipment to perform this job. Everything is also found in either XXXX conversion or XXXX XXXX to reference for this. The Equipment Ordered Brand new XXXX Laptop XXXX XXXX XXXXXXXX printer, scanner, and fax machine XXXX XXXX XXXX XXXX XXXX XXXX After accepting this opportunity I began to train via XXXX with a XXXX XXXX. The entire Transcript of my conversions with XXXX XXXX in XXXX ( XXXX XXXX XXXX and XXXX XXXX in XXXX ( XXXX XXXX ) have been attached to this email for reference all of this information is there to reference and see. I received two checks for the amount of {$4900.00}. I deposited both checks via a Branch office ATM XXXX. I send my SS number in a XXXX with all the personal information that is harmful to a person. Zelle will not refund a XXXX dollar transfer sent
12/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Problem with personal statement of dispute
  • CA
  • 94518
Web
Had made a request for financial background check once I XXXX bank transaction and transfer suspicious activity. The report I received was from XXXX, and at most showed my ss num attachment to a XXXX XXXX XXXX within the same institution example XXXX & XXXX. XXXX XXXX XXXX. As I had discovered more questions on zelle and found issue with acct connection with other banks like XXXX XXXX XXXX XXXX and more, I was concerned that fraud was a situation and found that with no notifications about a recent death in the family, it was possible my grandmother might have had me listed as a beneficiary or joint. So my request was to get a detailed report of all accts which I'm not sure I even received. Now up to my XXXX in XXXX accts n lost deposits from Treasury n potentially the results from the other cases I have opened with cfpb that went to fed XXXX board, even unclaimed funds due as well as a few settlement pymts that have not reached me ; I'm wondering were things have gone as I'm now in a situation where resources are scarce
06/28/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • VA
  • 22102
Web
I transferred money thru Zelle thru my bank XXXX XXXX. I sent it to the wrong number but after 2 minutes got the correct number and corrected it. I called my bank to let them know. After a few days, I received a letter from XXXX XXXX that they can not help me get my money back which is {$1100.00}. My complaint is- if it was reported to my bank within minutes the error was recognized, why did the bank put on hold the transaction and reverse the payment. They have all the power to reverse the payment, if the person and phone number doesn't match. Just like what you do with wire transfers. I sent a message to the person with wrong number to return the money but did not return it. After talking to my bank who insisted they can not help and suggested I called Zelle, which I did, now Zelle is telling me that they can not help and should call my bank. My questions is- how are the consumers protected from this kind of kind of mistake. Who takes responsibility. If the person 's name does not even match, why process the transfer?
05/25/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • WI
  • 53213
Web
XXXXXXXX XXXX I was selling item for {$40.00} ( I have messenger text chain to confirm all of this ) XXXX ' asked if I had zelle I do but never used Received email that money sent with a pending notice that I do not have business account. Received email stating that I have pending receipt of {$160.00} additional funds pending and secured total receipt will be {$200.00}. I need to refund the {$160.00} and deposit finalized I looked through email- stating not comfortable and reluctantly sent $ $ Received no zelle activity of money coming in sent request for $ $ - no reply sent messages that this is not right received 2nd email asking for more $ $ immediately called my bank and they filed a claim but will not refund my money XXXX ' zelle info : XXXX XXXX XXXXXXXX has XXXX profile claiming not to be him. I deleted my email phone or any information from the messaging XXXX tried to send screenshot of XXXX XXXX XXXXXXXX deposit i said i need refund immediately or am calling police- i believe this is a scam he went off line
10/12/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • CA
  • 90057
Web
Hello, Sir or Madam! Thank you so much for your time and kind consideration!! My friend, XXXX XXXX used the service of ZELLE to transfer the money to me, XXXX XXXX on XX/XX/XXXX. XXXX XXXX 's bank is XXXX. My bank is XXXX XXXX XXXX. I did not register my phone number with Zelle, only my email address. XXXX confirmation number is XXXX for {$1.00} and XXXX for {$1400.00}. I have contacted both bank and filed a dispute with XXXX, but XXXX is unable to help XXXX XXXX and my bank, XXXX XXXX XXXX is stating that they never received the transfer. I have contacted ZELLE and ZELLE is asking me to contact the bank. No one is willing to take responsibility for the transfer. ZELLE should have return the money within 14 days if the number is unfound or unregister, but my friend never receive back his {$1500.00}. Please provide me the best option in order to obtain my money back of {$1500.00}. Please also let me know if I am able to provide you with any additional information. I am truly very appreciative for your time and kindness.
04/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Problem with personal statement of dispute
  • IL
  • 60827
Web
On XX/XX/2021 at XXXX XXXX. I sent two faxes to XXXX XXXX XXXX fax number XXXX today XX/XX/XXXX, I received a letter from them claiming that they received my request but they need me to send in exactly what I faxed them again. The paperwork i faxed contained my social security number and a copy of my passport id. I contacted them twice. the second time after being told they had no record of the faxes. I spoke to XXXX ID number XXXX she refused to answer any of my questions directly. she put me on hold twice and told me that she had no record of it and that I had to resend it. I had my passport ID and my social security number and I faxed it to their National fax number. yet they're vague about where it is and claiming that they never got it. The phone calls should be recorded but I am uncomfortable resending personal information ti people who are that vile and disgusting. I think this should be investigated thoroughly by the law. I do not trust them and I will not be resubmitting it if they already received it.
05/05/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 33486
Web
send anything this time because I wasnt trusting of his intentions anymore. Within a few business days I was notified by my bank that these checks that were deposited were fraudulent. I immediately called my bank and explained everything with as much detail as I could about this man. He provided a phone number to me recently asking for me to send {$400.00} because his bank account is locked. At this point I definitely know that this man is not who he says he is. I acted along asking for a number that he could provide to me to do this transfer he gave me the number belonging to an XXXX XXXX ( XXXX ) XXXX. Which I had not used to contact at all because of the situation as I am trying to obtain the most information from this person without creating suspicion that I am aware of his plans. I did call my bank account filing a claim and will contact my local authorities about this crime. This is the most I am able to obtain from the conversation I have had with XXXX XXXX. All through the social media application XXXX.
12/13/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • MD
  • 21801
Web Servicemember
On XX/XX/XXXX, I purchased a product from a website. This website had a phone number and address. A representative called me and offered me a 15 % discount if I paid by zelle which is a service offered by XXXX XXXX. A payment of {$330.00} was made to a rep from the company named XXXX XXXX at phone number XXXX XXXX XXXX. After payment was made, I received a shipping update and then nothing. The business phone number has since been disconnected. The amount of money lost is {$330.00}. I contacted Zelle directly and THEY stated that I had to contact XXXX for a claim. On XX/XX/XXXX, I contacted XXXX by phone and opened up a claim. I was told that the {$330.00} would be returned and a investigation would be opened. I offered copies of my documentation but they declined stating, " we wont need it ''. On XX/XX/XXXX, I received a letter from XXXX stating that my claim was denied because the purchase was valid? XXXX has failed to help me with this fraudulent case. Zelle needs to reverse the funds and return them to me.
07/17/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • WA
  • 98144
Web Servicemember
I was trying to sell a washer and dryer on XXXX. There was a buyer who said he would pay me on Zelle. I hadnt used it before but Id seen it on my banking app so figured it was safe. The buyer sent me the {$280.00} on Zelle, and I got an email that appeared to come from zelle saying I received a payment but that my account hit its limit and the buyer had to send {$200.00} to my account to raise the limit and I needed to send {$200.00} to them and send a screenshot to prove I did so. After this I got an email saying I had to send an additional {$300.00} because the verification failed. At this point the {$300.00} transfer was put on hold and I was alerted to contact my bank. I did so and was informed it was a scam. I continued to receive messages from the buyer demanding his money. He sent me screenshots of bank transfers from his account with his name to my name. All of this was done through my banking app not a third party app. When I tried to download the zelle app it said I had to go through my banking app.
12/19/2018 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 75206
Web
All this happened today XX/XX/2018 : I replied to a XXXX post to buy 2 tickets for this Sunday ( XX/XX/18 ) XXXX XXXX football game. I texted the phone number on the XXXX post ( XXXX ) and somebody " named '' XXXX XXXX agreed to received from me {$250.00} for 2 tickets. He provided me his name and email ( XXXX ) and using the app XXXX through my XXXX XXXX XXXX account I transferred him the money to his account in XXXX XXXX. After I sent the money, the person never transferred me the tickets. Also he blocked my cell number since I tried to called him and text several times, without success. My wife using her cell phone, contacted the person ( XXXX ) randomly expressing her interest to buy some tickets. He intermediately replied trying to sell her also the tickets. He started asking for the money using the XXXX app ( same procedure he used with me ). I called my XXXX XXXX and they told me that they can not cancel the transaction because was done using XXXX, but that they will open an investigation.
02/27/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • WA
  • XXXXX
Web
The Early Warning company has placed a high risk alert under my name and social in which I cant open a bank account anywhere. In late XX/XX/2015, my bank was compromised by my ex husband and fraudulent activities were done against my account. I notified XXXX XXXX XXXX about the account being compromised when several thousands of forged money orders were deposited into ATMs for direct cash back. I didnt know that my ex husband was a party to this therefore the bank decided to contact this consumer reporting company which has blocked my banking privileges for 10 years. I believe this company is violating the fcra and other laws in the state of Washington whereas I reside. To be banned to open a banking account constitutes a felony charge of fraud in which I havent committed a crime nor have authorities pursued any charges to justify why this ban to open a checking and savings account. I will also forward my complaint to the state attorneys general office in Washington that this company is violating my rights.
08/16/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • PA
  • 15237
Web
I interviewed with XXXX on XX/XX/XXXX and was hired as XXXX XXXX XXXX on XXXX. I spoke with XXXX XXXX, VP of HR via the XXXX XXXX for the duration of the hiring process. After being notified of my hired status with the company, she had sent me on-boarding paperwork to sign and date. Once that was completed, she had sent me a check and asked me to contact their vendor to purchase my home office supplies ( XXXX XXXX, etc. ). She noted that their private vendor would assist in personalizing my computer to accurately do my job. Two payments of {$500.00} were made via Zelle ( XXXX total ) to their vendor, XXXX XXXX. After that, XXXX XXXX tone changed and I realized that this situation might have been a scam. I contacted my bank, XXXX that same day. I also spoke with a Zelle associate who assured me that this situation seemed to be fraud and would be investigated, as well as my local police. On XX/XX/XXXX, I had received a letter in the mail stating that based on their investigation, my dispute was denied.
02/12/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TX
  • 79606
Web Servicemember
I was contacted to purchase goods that I was selling on XXXX. XXXX contacted me via email that he was interested & then sent a text from XXXX. He then contacted me from the number listed above telling me that he was sending a check for {$3000.00} to purchase the goods I was selling & pay to ship. I informed him when the check arrived & he asked me to deposit & wire the remainder of the money to the movers. I deposited into my Savings account & transferred what I charged for the goods, {$250.00}, & the rest needed to send the movers into my Checking account. I sent 3 Zelle transactions totaling {$2500.00}. The first transaction on XX/XX/2022 to XXXX XXXX for {$1000.00} & a 2nd transaction to XXXX XXXX of {$1000.00} on XX/XX/2022. After the final wire on XX/XX/2022 to an XXXX XXXX, I checked my Savings account & it was negative for {$3000.00}. I contacted XXXX & asked him about his bank, & he said there must be some mistake. I followed up with him after I left work that evening & his phone was disconnected.
08/15/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NY
  • 11101
Web
I am reaching out in hopes that you are able to assist me in getting my money back from a scammer. On Friday XXXX XXXX, I sent {$240.00} via Zelle to a seller named XXXX XXXX XXXX XXXX ) for a jumpsuit I was purchasing from her on the popular ecommerce website called XXXX. I found her listing on there and after several back and forth bargaining she said she'd accept my offer if we did the transaction directly to avoid the 20 % seller fee from XXXX. After the payment and several follow-ups, I have not received any tracking information or updates. She stopped responding and has blocked me on XXXX. I've reported this incident to XXXX, Zelle and XXXX, but none of them are able to help me get my funds back, so I would very much appreciate it if you can assist in any way. The scammer 's Zelle account is under her phone number XXXX, and XXXX XXXX was the name she gave me. I also know that she lives in the west coast from our chats. Please let me know if there is any additional information or details needed.
03/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32822
Web
On XX/XX/2020 i went into a XXXX XXXX XXXX branch to find out exactly what happened to the bank account I had with them the front desk person had informed me that my account was being handled by another department due to activity that went on my account so I call the number that she had provided to me and I found out that since my debit card had been lost over the winter break someone had ownership of my account online banking and my debit card they had done wrongfully activities on my account that had lead XXXX XXXX XXXX to close my account and person I was speaking to told me to file a dispute for them to correct the issue and try to help me recover my account and reopen it but when all charges came back to the account they had informed me that they can no longer due business with me and reported to early warning that I committed fraud with my bank account knowing had no acknowledgment on what was going on due them closing my account wasn't able to access my account online due to it being compromised.
01/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 282XX
Web
I am a victim of identity theft and there are fraudulent accounts reporting to my Early Warning Services consumer report Early Warning Services Consumer ID : XXXX. These accounts have been proven to be identity theft and Early Warning Services has not removed them after my request. I have provided proven documentation of fraud and identity theft. I have provided all documents required to have these fraudulent accounts removed/ blocked from my report with Early Warning Services. The documentation consist of a the Federal Trade Comission Affidavit notarized, XXXX XXXX Police Report showing accounts ( XXXX XXXX XXXX and XXXX XXXX XXXX ), Signed Letter with identifying accounts, proof of identity and address. I am requesting that Early Warning Services remove these accounts immediately. The account ( s ) I am requesting to be deleted are ( XXXX XXXX XXXX : Opened : XX/XX/2016, Account Number : XXXX, Balance : Unknown ) and ( XXXX XXXX XXXX : Opened : XX/XX/2016, Account Number : XXXX, Balance : {$200.00} ).
07/23/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • XXXXX
Web
XXXX XXXX XXXX Missouri is being reported on to the file that your company maintains up under my personal file with accounts ending in XXXX and XXXX and. I have never had an account with XXXX XXXX XXXX. The document with the electronic signature does not belong to me and its not my signature. I've also asked that you provide Driver license or anything that was used when the person acting as me entered the bank. An electronic signature look as though it was obtained thru an online portal which I did not authorize or take part in. This account is a direct result of identity theft and I am requesting that it be removed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
11/01/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • 105XX
Web
I was doing transaction via XXXX XXXX and the buyer send me email which looked like email from Zelle that transfer {$450.00} from buyer cant be processed because of the limit in my Zelle profile. I am not familiar with Zelle transactions. Email said the buyer has to send another {$450.00} which needs to be refunded by me right away to clear the transfer. Soon after I received another email from apparent Zelle about another payment {$450.00} which needs to be refunded right away to clear full transfer of {$900.00}. Person on XXXX provided me with her Zelle account for refund transfer. I did refund transfer of {$450.00} and received another email from fake Zelle that I have to do another refund to receive my money. Thats when I realized I was scammed and called my bank XXXX where I have checking account hooked with Zelle. Customer Service told me nothing they can do because Zelle doing payments to authorized and familiar individuals. Zelle customer service is not answering. Please be aware and vigilant
07/01/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TX
  • 75038
Web
I have contacted a person online through XXXX where his initial phone number was XXXX XXXX XXXX where he said he would sell XXXX XXXX XXXX XXXX for 9 people for XXXX XXXX He asked to me chat on this number XXXX XXXX XXXX as the previous one was his work phone number. i Asked for 9 tickets XXXX adults and XXXX kids. He asked me to send in two different amounts XXXX $ each. He said his name as XXXX XXXX and Zelle transfer account was XXXX XXXX and he works in XXXX XXXX and he has some many complimentary tickets that he can sell. I transferred XXXX $ from my XXXX XXXXXXXX XXXX account and another XXXX $ from my XXXX XXXX account. After i transferred my money, the customer did reject my call and did not respond for my calls. I used my wife 's number and asked for tickets and he still responded and started to fraud my wife as well.. I lost my XXXX $ dollars and reported claims in both XXXX XXXX and XXXX XXXX XXXX and none of them were able to help me. I just need some help from you to get my money back.
11/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33056
Web Servicemember
XXXX XXXX. XXXX. ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information Is inaccurate. After reviewing my report I must inform you that I am NOT responsible for none of the Bank accounts listed on my report as I have been a victim of identity theft. I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete all of the bank accounts negatively impacting my credit report immediately! Ive sent out numerous letter to both Early Warning and the XXXX asking for proof showing that these accounts are mine and neither companies has responded to my request i demand that they both delete all inaccuracies off of my reports immediately or I will be forced to hire an attorney and seek legal fees for the stress this has caused me. Thank you, XXXX XXXX
12/21/2018 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • TX
  • 78704
Web
The subject of this complaint is XXXX. Three weeks ago I transfered {$300.00} or so from one of my XXXX accounts that was created separately within " XXXX XXXX '' to my XXXX account within " XXXX XXXX '' and received an email about four days later saying that the money had been received in my XXXX account and would show up within three business days. To date, I have contacted XXXX via online chat, called four times, and XXXX said it has contacted XXXX directly. I still see no funds in my XXXX account. It's been three weeks now. From XXXX, my money was withdrawn, and from XXXX I got a notice saying the money has been received, but It just has never hit my XXXX account. XXXX says it's XXXX 's fault. XXXX said it was XXXX XXXX XXXX. I am contacting you so that XXXX can ensure the amount is sent to XXXX and that XXXX reflects this {$300.00} transaction in my account. Right now it is essentially stolen out of my accounts on account of the failure of these two banks and the intermediary XXXX.
08/22/2018 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 92629
Web
Today, XX/XX/18, I found a seller on XXXX who was selling 2 XXXX XXXX tickets for the XX/XX/18 XXXX XXXX for XXXX dollars. Link : XXXX XXXX XXXX Post id : XXXX I pressed the reply button which went straight to my messages app to text him at XXXX XXXX XXXX XXXX XXXX and asked him about the listing and for proof of purchase. After he sent me a picture of his receipt from XXXX I ask him to do the transfer through XXXX, which he then says he doesnt have and that I should use XXXX. I tried using the app itself, which didnt work so he tells me that I can use it in my XXXX XXXX XXXX app. I transfer him {$230.00} and text him right away. He says hes got it and to give him a second - this was at XXXX XXXX. I send him a text at XXXX, XXXX, and XXXX to get the tickets but no response. I call him twice as well and the phone keeps ringing and doesnt go to voicemail, meaning that he blocked my phone number. Apparently XXXX doesnt have fraud protection, which Im just learning about now and why Im filing this.
06/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33144
Web
Greetings. I've been sending disputes since XX/XX/XXXX, and on XX/XX/XXXX, I sent in my most recent dispute to Early Warnings Services regarding XXXX XXXX XXXX 's claim that check fraud has been committed. Within the dispute I have included all the required and supporting documentation : Identity Theft Affidavit - FTC Complaint Number - Copy of Photo ID - Police Report - Explanation Letter. I received a response through email from Early Warning Services on XX/XX/XXXX and they have not removed the requested information of check/checking account fraud by XXXX XXXX XXXXXXXX XXXX Which again was a result of identity theft. I have provided the necessary documentation to prove so and they are violating my rights by not removing said information from my Early Warnings Report. I will upload the docs on this claim. Early Warnings Services & XXXX XXXX XXXX must provide proof that this was not Identity Theft If not they must remove information, please CFPB look over this claim. FTC Claim # XXXX
09/21/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • IL
  • 60623
Web
On XX/XX/ I was persuaded into sending a person on social media with a high following a total of {$2700.00} by XXXX and zelle. {$2000.00} zelle and {$730.00} XXXX I found this person from a girl I follow on XXXX and XXXX with a very high following. I made a mistake into trusting this person, basically I was going to make an investment through cashapp and receive a higher amount of money, a money flip. Everything seemed legit, he sent me screenshots of the process, screenshots of other receiving their pay. After money was sent I was blocked and felt absolutely horrible, I was emotionally damaged as I worked hard for my money. I reported it to my bank as fraud because that is what it felt like. I felt bad and honestly stupid for trusting someone with such high amount of money. This person blocked me but I have his XXXX and XXXX XXXX I have the claims I submitted to my bank and the letters the bank sent me. I have his screenshots of the work that he does. I also have a police report I made on him.
08/18/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 91706
Web
On XX/XX/XXXX, I got a message on instagram from a guy who was offering to be my " XXXX XXXX ''. At first I was hesitant until he sent me a check of {$1900.00}. He had asked me to send money to a " friend '' of his who was helping out in an orphanage. He had asked me to send {$1400.00}. On Friday, XX/XX/XXXX I sent {$400.00} to the " friend '' because I fell for the scam. On Saturday, XX/XX/XXXX I made the next transaction of {$500.00}. On Sunday, XX/XX/XXXX I sent another {$500.00}. I thought nothing of it at this point because I was sending his money. After I sent that last bit I confronted him about it and he played it off. He asked me to send more money and I told him no so he got mad. Today, XX/XX/XXXX, I saw he withdraw-led the check he had sent me. I still have the pictures of the check. I also have the name and the phone number of the person he had me sent it to. I made these transactions through Zelle. I read through their " most asked questions '' and they would not give my money back.
11/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MN
  • 55343
Web Servicemember
Early Warning Services is reporting fraudulent and inaccurate information on my consumer report. All of the fraudulent checking account and credit inquiries listed on my Early Warning Services Consumer Report is fraudulent accounts and inquiries, and inaccurate information. The fraudulent checking accounts or credit inquiries are not mine. I should have a clear consumer report with Early Warning Services. I have never applied for or had a checking account in my name. Early Warning Services has been reporting the fraudulent checking accounts and credit inquiries for over 10 years. Early Warning Services is in complete violation of the Fair Credit Reporting Act ( FCRA ) and I am requesting for the Consumer Financial Protection Bureau to investigate Early Warning Services and shut this consumer reporting agency down. Early Warning Services has been violating the Fair Credit Reporting Act for over 10 years listing and reporting fraudulent checking accounts and credit inquiries on my consumer report.
04/28/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78132
Web Servicemember
Early Warning Services was disputed on XXXX / XXXX / XXXX with XXXX XXXX XXXX . XXXX XXXX has been disputed on XXXX / XXXX / XXXX . My daughter had a student account attached to my accounts with XXXX . She submitted a fraudulent check through the ATM. This is the only way a student account can do banking is through the ATM. When XXXX found the check to be fraudulent XXXX shut down all of our accounts INCLUDING my Husbands that had nothing to do with my daughter 's account. Attempted to resolve with XXXX and no luck. Attempted to resolve wit h Early Warning Services , XXXX XXXX , and no luck. XXXX / XXXX / XXXX Today I have found that I can not open any accounts and have found myself without banking for businesses. XXXX XXXX and XXXX . I am not able to write checks to employees or conduct business. I am desperate to talk with someone to help the situation as we will be going to collect federal assistance if I can not cash the checks. Please help.
07/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 95762
Web
I requested my XXXX report, as I was recently denied a new checking account - funny especially since I just turned XXXX! Anyway, JERKS called Early Warning XXXX and XXXX have wrong information all over my " report ''. Not only that, when I disputed items such as inquires dated WAY BEFORE my XXXX birthday, they claimed to have investigated however left all the bogus information on my reports. They think they are " all that '' and they are WRONG and deserve to be shut down..! Also you can not re-investigate a dispute because they will not allow it, claiming that they did their job and all items were verified. NOT TRUE and I have never heard of anyone getting away with half-baked reporting. I want everything reinvestigated and I want to see all correspondence that " proves '' that a XXXX XXXX XXXX, opened or tried to open checking account when they were XXXX XXXX XXXX ...! And I am NOT going to take time out of my life to file reports with Law Enforcement, that is not MY job - that is their job.
09/17/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • GA
  • 31909
Web
I spoke to Early Warning Services via mail on numerous occasions. I am a confirmed victim of fraud dating back to when I was a minor. Upon discovering fraudulent banking accounts with negative balances on my Early Warning Report, I filled out an Identity Theft Affidavit and sent it to EWS along with a letter requesting these items be blocked from my report .his request was granted but later retracted. I then followed up and asked how they could possibly confirm these accounts were mine when I have documentation confirming I was a victim of fraud. I followed up asking for method of verification which I am allowed under FCRA 611 ( a ) ( 7 ). This request was months ago. To date I have not received this or any further responses. My consumer rights were violated and I did not get a proper investigation. I was told my disputes were frivolous but it is immoral to tell me an item is mine when I have been a victim of fraud and EWS clearly has no actual proof or documentation that contradicts this.
10/22/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • 10031
Web
On Wednesday, XX/XX/XXXX, I received a scam call from a few people who claimed they were calling from the electric company. They said I had missed the last two payments, and so they were going to shut off my electricity unless I paid a deposit, so they could investigate whether I had paid or not. I used Zelle to send they payments they required but I was able to identify this was a scam during the call. I received an email from my bank inquiring whether I was sure I knew this person and I clicked on the option saying no. I immediately called Zelle, as well as my bank, asking them to reverse the transactions while they were still pending but both parties refused. I have reported this incident to the NYPD, the FBI, and the FTC. I have the report numbers of all these complaints. I need help asking my bank and Zelle to reverse this transactions, since they rely on the fact that I paid using a third party, but I informed of the incident right away and both companies refused to take any action.
02/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • CA
  • 92113
Web
Early Warning XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX Consumer ID : XXXX 1 ) XXXX XXXX XXXX XXXX Account # XXXX 2 ) XXXX XXXX XXXX Account # XXXX 3 ) XXXX XXXX Account # XXXX Dear Sir or Madam : It's definitely frustrating to be charged for something you believe isn't fair. I am writing to dispute a billing error in the amount of {$0.00}, {$910.00}, {$730.00} on my account. The amount is inaccurate because I believe my consumer report contains inaccurate information. I would like to submit a dispute of that information to the checking account reporting company. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. Enclosed are copies of [ use this sentence to describe any information you are enclosing, like Consumer Report supporting my position. Please investigate this matter and correct the billing error as soon as possible. Sincerely, XXXX XXXX
07/18/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TX
  • 77406
Web
Yesterday XX/XX/2022 i was trying to buy tickets to XXXX concert from what seemed like a fan twitter user account XXXX XXXX on XXXX who said they had 3 Tickets available. They wanted {$250.00} each but i said I couldn't do that much and they said they could go lower. I said i could do {$120.00} each. They sent me a screen recording of the ticket which looked real. So they asked could i do {$130.00} each and I said ok and so i zelled money to an email account they told me and they asked for email to transfer the tickets from ticketmaster and i did so. Then they said had to talk to bf and then came back and he said that was too low and asked can i do more. So i said i could do {$30.00} more and they said the bf bank acct messed up and could they send to a phone number that said was an apple pay account and i told them i dont have that. They came back with a different zelle and i sent the XXXX Then i asked them To transfer and 20 Min went by and they said they would. Then they blocked me.
04/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • SC
  • 29405
Web
I have new and updated information this is NOT credit repair. This is me, XXXX XXXX XXXX. Pursuant to 15 USC 1681i ( 6 ) ( B ) ( iii ) - I have requested and I quote the descriptions of the procedures of the reinvestigations under the FCRA into each of the following account and entries furnished on my consumer report, that were verified as accurate. Early Warning Services has had ( fifteen ) 15 days from receipt Certified mail # ( XX/XX/2022 @ XXXX ) XXXX XXXX XXXX XXXX XXXX Green Return Receipt # XXXX XXXX XXXX XXXX XXXX XXXX The fifteen days are up. Early Warning Service has not answered my demand in accordance w federal law in providing the descriptions of the procedures of the reinvestigation within 15 days pursuant to 15 USC 1681i ( 6 ) ( B ) ( iii ) and as such the following entries must be removed as they can not and have not been verified as accurate. XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX Attached is my previous complaint and the response from Early Warning Services
10/19/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 327XX
Web
XXXX XXXX XXXX reported that I used there accounts fraudulently. That information they reported was fraudulently, my account was compromised and I received a call from XXXX & I notified them that it wasnt me and they indeed said the fraudulent action that was taken on my account would be canceled and then they mentioned a few days later my account would be closed. Ive been disputing this for months and they said it was verified as in they did not take the extra steps to verify any signatures on the fraudulent check that was deposited, IP address or anything as in it wasnt me. The company responded with a mailer stating that the fraud information they noted on my early warning report and XXXX that was false was no longer reported and listed as they removed it but it is still listed and Im still getting denied and declined for bank accounts. They have lied again just as they lied and put this false information on my report, lied and said they removed it and its not reporting which it is.
12/05/2017 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • TX
  • XXXXX
Web
Please refer to # XXXX submitted on X/XX/2017 regarding the issues with XXXX or XXXX. At that time - this company simply tried to put the matter under the carpet/rug. I am facing the same issue since XXXX. I have updated my XXXX profile so that with my cell # - my ally bank account is associate and NOT XXXX XXXX. XXXX XXXX was the old one and ally bank is the new one. But still anytime any payments which are coming to my cell # - it goes to the old account ( XXXX XXXX NOT XXXX ). I reached out to XXXX and then to XXXX XXXX ... everybody ask me to reach out to somebody else ... so no accountability and ownership at all. Today I called at XXXX during XXXX XXXX to XXXX XXXX and talked to XXXX about the same issue. Case # XXXX has been created for this. All the calls are going to XXXX to some very naive customer service associates. When the customer wants to talk to the higher ups - they simply tell that even higher up will do the same. I end up paying fees from the bank due to this.
01/31/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 77381
Web
I was defrauded by a group impersonating legitimate companies through an employment scam. XX/XX/2020 I was " recruited '' by XXXX XXXX XXXX XXXX, using the names XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and an alleged HR Team. XX/XX/2020 They " hired '' me for a high paying position and sent me an I-9 and offer letter which I completed and returned. So they also have all my personal information. I was made to contact and pay {$1000.00} to a " vendor '' XXXX for materials I would need to perform the job. I sent the money via Zelle through my XXXX XXXX XXXX App thinking it would be the safest option. Zelle has refused to issue a refund and XXXX XXXX XXXX is not assuming any responsibility for the issue. I would have never sent money from my mobile banking app had I known it was not insured or protected. They also sent me a fraudulent check " to cover my training expenses and time " in the amount of {$3900.00} from another legitimate company " issued '' from a regional bank.
10/04/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • GA
  • 31419
Web Older American, Servicemember
I have a checking/debit card account with XXXX XXXX XXXX. This week I noticed the two charges to my account were made, one for {$600.00}. and another for {$99.00} on XX/XX/2018. These charges were filed by a company called " XXXX '' .. I immediately reported this problem to XXXX XXXX XXXX Fraud Division. They said they would make inquiries and froze my account to any other charges that would be made. Now, being as my account has been frozen, my retirement checks and Social Security checks will go into my account but the funds will be frozen. I have no way to pay my mortgage and my bills! I called this company " XXXX '' and told them the confirmation # that was listed on their withdrawal. ( XXXX Transfer Conf # XXXX ) and I asked their agent where or to whom was this money transfered to. He told me he could not give me any information concerning these charges. This is wrong and is Fraud.. This company should be held responsible to tell me who asked them to charge my checking account.
06/15/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • TN
  • 374XX
Web
On XX/XX/XXXX I noticed multiple fraudulent accounts opened without my knowledge with these banks : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX account was opened XXXX XXXX, the account number is XXXX and the routing number is XXXX, for an amount of {$13000.00}. The XXXX XXXX XXXX account was opened XXXX XXXX, the account number is XXXX and the routing number is XXXX, for an amount of {$200.00}. The XXXX XXXX XXXX account was opened XXXX XXXX, the account number is XXXX and the routing number is XXXX, for an amount of {$4000.00}. The XXXX XXXX account was opened XX/XX/XXXX, the account number is XXXX and the routing number is XXXX, for an amount of {$31000.00} The XXXX XXXX account was opened XX/XX/XXXX, the account number is XXXX and the routing number is XXXX, for an amount of {$2000.00}. This account was opened without my consent and my personal information was falsely used! I have included my FTC affidavit for my support and reasons.
02/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30008
Web
My name is XXXX XXXX and I am writing this complaint in regard to Early Warning. I was denied a bank account due to the information that's listed on the Early Warning report. There are several bank accounts listed on that report that is not mine and were created in the attempt to commit fraud against me by an ex-boyfriend. I submitted early warning a FTC report indicating which accounts were and were not mine however they stated the accounts were accurate without providing me with any information to verify their claim. Early Warning nor have the banks listed on the early warning provided any documentation to verify the accounts listed on the reports are mine. I will like Early Warning to investigate my claims thoroughly instead of just taking the bank word for it. If Early Warning has any documentation from any banking institution verifying the accounts listed on the report are mine, I will like that verification so I can add it to my FTC and police report and continue to fight.
09/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Investigation took more than 30 days
  • IL
  • 601XX
Web
I received a copy of my XXXX XXXX and Early Warning Services consumer report and I've noticed false and misleading information from Bank that I've committed allege fraud. On behalf of disputing the inaccurate information with XXXX XXXX and Early Warning Services they have concluded that the information within my file has been investigated and was indeed verified as accurate by XXXX XXXX XXXX. Both corporations have also confirmed that they are unable to provide me with copies of documentation of proof on how the information is accurate and verified in my file for checking account fraud that is being furnished to them by Bank XXXX XXXX. On XX/XX/2023 I've sent certified mail with return receipt, Tracking number is XXXX. I am yet to hear a respond and the investigation and any proof supporting their claim of the allege fraud. This is causing me great stress and defamation of my character. I have attached two letters supporting my case for this specific situation to get resolved.
08/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • NC
  • 28078
Web Older American
Dear CFPB, I was recently denied the ability to open a bank savings account. Early Warning advised me on XX/XX/XXXX ( copy attached to complaint ) that " the status of the relationship with the inquiring bank '' was the negative factor affecting something they described as my " Deposit Account Score ''. It has come to my attention that reports indicate that in XXXX Early Warning agreed to pay nearly XXXX XXXX dollars for violating the Fair Credit Reporting Act in how they respond to consumer file requests. I write CFPB to complain that Early Warning fails to define what their terminology " the status of the relationship with the inquiring bank '' means in plain English, and also request to know if Early Warning has issued a fraud alert on me. It is my understanding that Early Warning improperly failed to inform consumers requesting their Early Warning Deposit Account Score that fraud alerts were on their accounts, leaving them in limbo trying to correct their financial reports.
10/08/2021 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • UT
  • 843XX
Web
So I was selling an item online and the buyer was asking me to use zelle so I proceeded to use whats best for the buyer little did I know things were a little off but I wanted to sell my product they buyer sent money to my zelle account then I receive an email saying that zelle is holding my funds when then it made me do steps to get my full asking price XXXX $ it said I had to send the buyer XXXX $ then I did but after 1-3 hours went by I checked my account nothing I then replied to the person then texting me step by step saying their servers were down. Then I thought oh Ill check when I get up to see if its there nope it wasnt then I was upset so I called my bank they said they couldnt do anything same thing with zelle I just want my money back and to never use either my bank I have now and zelle because they do not even come close to good care for anyone and I work hard for all the money I have and for me to be taken advantage of then none of the sources I used helped at all
04/20/2021 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • MI
  • 48104
Web
Our family decided to buy a special/rare breed of an hypoallergenic kitten to the isolated XXXX child in the house during the covid-19 pandemic, so we found a " breeder '' on a XXXX group and he offered a certain price ; he seem to be reliable while sending videos and pictures of the animal, always asking questions about our possibility to raise the kitten in a safe environment, always giving vivid details and constantly mentioning XXXX. Costs started to grow out of control, and every time we refused to send more money, or stop the agreement, through intimidation ( animal endangerment, going to court, etc ... ) the " seller '' would get more and more from us. Shipping confirmation was sent with the promise of a refund in case of no delivery, and we never received neither the kitten nor the refund. He still asks for money ( we already notified the local police, XXXX and our bank about it ). We hope to have our money back after all the stress and trauma caused. Thanks, XXXX XXXX.
03/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 38125
Web
On XX/XX/2023, I reached back out to XXXX XXXX XXXX because they are still reporting to both XXXX and Early Warning Services that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts at a national bank, but is also affecting me in trying to open accounts at local banks and has caused my existing bank ( XXXX XXXX ) to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an account is because of what's being reported to XXXX and Early Warning Services. This is literally the example of holding my banking privileges hostage and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.
10/26/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • AL
  • 36301
Web Servicemember
On XX/XX/2020 applied for a vehicle loan. Eventually, that day loan was approved. However, several days later, I received a letter from XXXX XXXX. Indicating they were unable to approve my loan based on information received from Early Warning Services. Early Warning inaccurately and falsely reported that I have Serious Delinquency on my file! I wrote to Early Warning, ( XXXX XX/XX/2020 ) enclosing the letter from XXXX XXXX, with my information on that document. Address, phone number, date of inquiry. I told them that I have absolutely no delinquencies any where on my credit file, much less any indication of serious delinquency. Early Warning declined to take action ( their letter of XXXX XX/XX/2020 ), indicating that I needed to submit to them more personal and identifying material. I have not responded to that request because they were able to provide false information about me without additional identifying information and they must correct their false information.
11/05/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • TX
  • 75002
Web
Early warning systems is reporting a fraudulent bank account that looks like the bank is trying to update my information to, and it says Account type is unknown but that it has a combined loss and fee of XXXX Which again is fraudulent, I never opened this account nor do I have an email address they have listed. Early Warning again providing fraudulent information since I am a victim of identity theft and they refuse to block the fraudulent account # XXXX which says Contribution reason - Account Abuse. I have never opened this account, there are no XXXX locations near me the email address they have listed for this account is also fraudulent. It is illegal to put my address on a fraudulent account when I never received anything from this instituion. This account is fraudulent, and as a result of identity theft. This account should be blocked from my file. Again Contribution Reference # is XXXX Early warning refuses to do anything about it and continue to report fraud.
08/31/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • XXXXX
Web
XXXX XXXX XXXX Missouri is being reported on to the file that your company maintains up under my personal information. I have never had an account with XXXX XXXX XXXX. The document with the electronic signature does not belong to me and its not my signature. I've also asked that you provide Driver license or anything that was used when the person acting as me entered your bank. An electronic signature look as though it was obtained thru an online portal which I did not authorize or take part in. This account is a direct result of identity theft and I am requesting that it be removed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
11/02/2022 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Other transaction problem
  • NV
  • 89122
Web
XX/XX/2022 ZELLE XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX {$100.00} {$1200.00} XX/XX/2022 ZELLE XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX {$100.00} {$1300.00} XX/XX/2022 ZELLE XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX {$50.00} {$1400.00} XX/XX/2022 ZELLE XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX {$100.00} {$1400.00} XX/XX/2022 ZELLE XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX {$50.00} {$1500.00} NONE OF THESE WERE AUTHORIZED. I have no idea who these people are. Zelle evidently do not provide or offer any SECURITY OR AUTHORIZATION CHECKS to confirm that the account holder is making the payments or aware that they are being made. Zelle was submitted 4 complaints to go over the transactions that completed. 3 more were blocked by my credit union. ZELLE is a PROBLEM and they need to be shut down or regulated or FINED so that they don't provide a service that involves finances without any security measures whatsoever. I would like to file charges.
09/20/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • IL
  • 60629
Web
On XXXX I submitted letters to Early Warning because they have me listed for checking account fraud I requested XXXX it has been well over 60 days with no response I feel like I'm being taken advantage of this is a violation of the FCRA act by failing to provide accurate disclosures to a consumer when they have an active fraud alerts on their accounts I am repeatedly denied bank accounts because I have fraud notations on my Early Warning report I ordered XXXX and there is no mention of fraud Early Warning is failing to provide me the same information that they are providing the banks they're hiding the fraud designation in the XXXX I've spoken with someone at XXXX XXXX XXXX and they informed me that no money was taken I'm being misled by these disclosers and I demand that these checking account fraud notation be removed or I will le litigation due to the stress they caused me my information was also impacted by XXXX data breach and may have gotten into the wrong hands
02/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 34684
Web
I requested a copy of my consumer report from Early Waring and they provided it. I was stunned to see every transaction in my bank account listed on the report. I immediately contacted them and asked them to freeze my consumer file so it would not be shared. They responded that they are not required to comply with consumer report freeze requests. When I asked for an explanation they would not provide one. I have since sent email and mailed letters requesting that my report be frozen and they do not respond to either method. Clearly, the bank transactions listed on my Early Warning report are being used by their member banks to make credit decisions or influence credit offers they may provide to me. The banking transaction listed in the Early Waring report is far more detailed and private than any data you see in a standard credit report. It is essentially a copy of your bank statement. This information should not be shared with anyone member company or otherwise.
02/06/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • GA
  • 30331
Web Servicemember
On XX/XX/2019, I sent a wire transfer using the XXXX application on my phone and entered an incorrect number by one digit. I attempted to immediately cancel the transaction but the system would not allow it. I called my bank, XXXX XXXX, to inform them of the error. XXXX XXXX stated that since it was placed under the application site, I would have to contact XXXX to cancel the transaction. I then called XXXX who informed me that they are a networking system and do not handle the processing of this transaction I was redirected to contact my bank regarding. I opened a dispute with my bank, in which I was informed that since I made the error they could not refund my {$350.00} that was placed in a stranger account, nor could it be reversed. I also tried contacting the receiving party and later found out he is XXXX not in the US. XXXX XXXX nor XXXX are willing to help me with this matter and now I have no other option but to contact your office for some form of resolution.
10/25/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 08817
Web
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. The XXXX Accounts should be blocked from my file as they were opened as a result of ID theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my Identity Theft Report A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX Enclosures : Identity Theft Report Fair Credit Reporting Act Section 605B
10/12/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75002
Web
Early Warning Services never sends me my consumer report, even after asking for it by phone and email which is my Legal Consumer Right under the Fair Credit Reporting Act. Early Warning also has fraudulent information contained on my consumer file. There is a XXXX XXXX AKA XXXX XXXX AKA XXXX bank checking, savings and money market account that is listed on the report all of which are fraud, I have never done any business with this company and it has already been reported to the company. Additionally they have 2 accounts from XXXX listed which are also fraud, again I have not done any business with this company. These accounts are fraudulent and I want these blocked. There is also two XXXX XXXX Accounts a Checking and A Savings. Which I did not open nor authorize to be opened, I have never lived at the addresses they have listed for these fraudulent accounts. They are opened by an identity thief who stole my identity. I am attaching my identity theft affidavit below.
10/01/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Was not notified of investigation status or results
  • TX
  • 770XX
Web
I went an requested a report fromXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX waited for them to email the report. Following the notification email I tried to retrieve the mentioned report. When trying to do so EWS deactivated the account. I tried to retrieve the account and called their customer support line listed at the end of the email they sent when I was told my account was denied a request to change the passwords. The rep attempted to reinstate access to my account only for it to be denied when I ended the call with them. This was a total of 6 times. EWS is preventing me from accessing my report due to the intention that they know I am going to dispute fraudulent reporting on my file. Because EWS has not complied with the FCRA the report is now compromised and everything listed on the report is no longer held with merit and accuracy. The report is also a result of identity theft and the service denied my request to submit the appropriate affidavit.
01/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • XXXXX
Web
There seems to be a persistent coddling of the institutions that established and used this reporting system by CFPB and the FTC, which has yet again ( third time ) caused me harm. I am asking for the fourth time : PLEASE ALLOW CONSUMERS THE ABILITY TO LOCK THESE REPORTS in order to provide a protection against fraud. YET AGAIN, the report contains errors listing accounts which I never opened nor used yet appear on my report. I have to now monitor this monthly, but receive NO ASSURANCES NOR PROTECTIONS FROM EARLY WARNING ; they only ask that I file a report and request correction from the institutions. THAT DOES NOT RESOLVE THE FUNDAMENTAL PROBLEM of the agency : they're allowing and selling my data to anyone willing to fork over the money to gain access and I HAVE NO CONTROL OVER IT despite the fact it is my data. WHEN WILL YOU ESTABLISH REGULATIONS TO PROTECT MY RIGHTS AND DATA? I am growing tired and MORE ANGRY with every abuse of this agency and YOU DO NOTHING!
01/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • XXXXX
Web
There seems to be a persistent coddling of the institutions that established and used this reporting system by CFPB and the FTC, which has yet again ( third time ) caused me harm. I am asking for the fourth time : PLEASE ALLOW CONSUMERS THE ABILITY TO LOCK THESE REPORTS in order to provide a protection against fraud. YET AGAIN, the report contains errors listing accounts which I never opened nor used yet appear on my report. I have to now monitor this monthly, but receive NO ASSURANCES NOR PROTECTIONS FROM EARLY WARNING ; they only ask that I file a report and request correction from the institutions. THAT DOES NOT RESOLVE THE FUNDAMENTAL PROBLEM of the agency : they're allowing and selling my data to anyone willing to fork over the money to gain access and I HAVE NO CONTROL OVER IT despite the fact it is my data. WHEN WILL YOU ESTABLISH REGULATIONS TO PROTECT MY RIGHTS AND DATA? I am growing tired and MORE ANGRY with every abuse of this agency and YOU DO NOTHING!
08/07/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NV
  • 89122
Web
XXXX XXXX Contributor : XXXX XXXX XXXX Contributor Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. Dear Sir or Madame, I am writing to dispute the following information listed below, which appears on my credit report. It does not relate to any transactions that I have made. It is the result of identity theft. I can confidently assume to be a victim, I did not initiate or approve the transactions. I did not authorize any transactions on or after this date, and I did not authorize anyone else to use my ATM/Debit card in any way. Durning that time my significant other added me to their bank account for emergency purposes only ( paying bills etc ) I never used or added any funds to the account. It was strictly In case of emergencies. Please investigate this matter and take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. Sincerely,
08/25/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • IL
  • 60177
Web
In XX/XX/2023 I did work for a client and was paid by her via Zelle - her bank XXXX, paid my bank XXXX XXXX In XX/XX/2023 Client was reconciling her bank account and didn't recognize the transaction from XX/XX/2023, she called XXXX and complained - XXXX logged it as Fraud and returned the $ to client from my account XX/XX/2023 XXXX XXXX called me and notified me of a fraud claim against me- I explained it to them and sent them invoices and the work I did for the client XX/XX/2023 I asked my bank to unlock my Zelle account since I couldn't send money or receive it They notified me to contact the claimant - XXXXXXXX XXXX customer - and have her rescind the fraud claim Both banks have opened my Zelle account, but Zelle still has me locked out with no way of removing my suspension They are acting as judge, jury and executioner - I thought we were innocent until proven guilty Zelle doesn't work like that and needs to be held accountable for ruining my reputation
06/16/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • TX
  • 77084
Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
05/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 93021
Web
EARLY WARNING DISPUTE : i requested documentation to prove verification and accuracy of the following accounts they are reporting as negative XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXXXXXX they responded tjat they dont have such documentation and i need to contact the furnisher. if they dont have the documentation to prove the account they are reporting they must delete these accounts by law the following accounts that are reporting by them do not include the furnishers address or phone number or any information to contact them about starting a dispute that is a violation and these accounts must be removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE following inquiries are outdated and must be removed : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
10/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Was not notified of investigation status or results
  • CA
  • XXXXX
Web
On XX/XX/2021, I submitted several financial accounts to EARLY WARNING SERVICES , LLC. Early Warning Services HAS INFORMED ME THAT some banks or financial institutions have answered my disputes REMOVING THEIR REPORTS. HOWEVER, EARLY WARNING SERVICES , LLC DOES NOT WANT TO PROVIDE ME THE RELEASE LETTERS. This morning XX/XX/2021, I made an appoinment with XXXX, who is an employee in that business for tomorrow XX/XX/XXXX at noon. This afternoon, XX/XX/2021, I was informed by phone that THERE IS ANY APPOINTMENT FOR TOMORROW, AND THAT I AM NOT ALLOW TO GO TO PICK MY LETTERS UP IN THAT BUSINESS. IN SHORT, EARLY WARNING SERVICES , LLC DOES NOT WANT TO PROVIDE ME THE RELEASE LETTERS FROM XXXX XXXX, XXXX XXXX, XXXX XXXX ( TWO ACCOUNTS ), SO FAR. EARLY WARNING IS RETAINING ILLEGALLY THESE BANKS RELEASE LETTERS THAT HAVE BEEN SENT TO EARLY WARNING SERVICES SINCE ALMOST ONE MONTH AGO. I AM AFRAID EARLY WARNING IS PLANNING TO CONTINUE REPORTING THOSE ACCOUNTS ILLEGALLY.
11/04/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • OR
  • 97224
Web Servicemember
We contacted an online vendor XXXX in an attempt to purchase a puppy. Multiple days of communication both phone calls and texts with someone supposedly named XXXX XXXX living in Colorado sent us photos and videos of the puppies. They also sent contract documents via email for us to sign. After agreeing to purchase the puppy and have it flown over to us we sent {$900.00} via Zelle through our XXXX XXXX app. The next day XXXX contacted us to say they needed {$2000.00} more dollars to ship the puppy. This was never mentioned and we then knew it was a scam. No more than 12 hours had passed and we contacted the bank to file a claim. They were unable to get our money back. We thought with it being such a short window and large amount of money there would be a 24 hold or something. XXXX obviously will not return calls or texts. We then did extensive research to find the mailing address they use is not theirs and the phone number IP address is tracked back to XXXX.
04/09/2015 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Public record
  • AL
  • 35242
Web
Years ago I had someone purchase a car with a cashier 's check. Car was gone and check deposited into my account at XXXX XXXX Credit Union. Few days later, money was withdrawn to purchase another car but found out later that the cashier 's check was canceled. Could not find the people so the car and the money were gone. I had lost my job and was unable to pay the debt to the credit union. They took it to small claims court and I had filed bankruptcy due to losing employment and divorce. Debt to the credit union has been discharged. I ended up moving to another state and tried to open a local bank account, but found that the credit union has me listed with Early Warning Services as a fraud user. I have several emails with the credit union explaining if I pay the debt they can release my name from the fraud list. This violates the terms of bankruptcy code as well as Fair Credit Reporting Act. I just would like my name off the list in order to open an account.
03/01/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • OH
  • 44001
Web
I was scammed through XXXX and Zelle and essentially am being refused my money back. I filled out an online loan form, with my bank account information. I was contacted by a loan company who then said I was approved and deposited money into my account. They immediately started threatening me that I would go to jail if I didnt send it back immediately, I was terrified so I sent it back how they told me to, through Zelle XXXX The money they sent me dissapeared from my account. I would never willingly send scammers my own money, Im not an XXXX. They also disputed charges while being in my account. I understand the type of transaction zelle is and how it is impossible to get a refund on transactions but I dont understand when the person who received my money has a connected bank account through Zelle and it should be easily traced and be able to be returned considering they scammed me out of my money. I am a single mom and this will literally make or break me.
08/31/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 77429
Web
I engaged with an XXXX account that I believed could help me make money off of cryptocurrency. The XXXX account was @ XXXX. We engaged in a conversation and I set up an initial investment of {$1000.00} with her. I used zelle, through my XXXX checking account to send the initial transaction of XX/XX/XXXX to the email of XXXX, name on the account XXXX XXXX. The {$1000.00} investment was then sent to a account called XXXX. I saw the money grow very quickly and then proceeded to make 2 more transactions, a {$1000.00} each to XXXX. I then got a message saying that I needed to send another {$2000.00} to retrieve the money that I had gained. I also got an email from the XXXX about this. So sent the money thru Zelle once again. I then realized this was a scam and wasn't going to get my money back. I filed a police report with the XXXX XXXX Sherrifs department and an investigation report with XXXX bank. XXXX bank did their investigation and didn't find it valid.
01/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33025
Web
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
01/21/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • OR
  • 97220
Web
On XX/XX/2022 - we were fraudulently led to believe XXXX XXXX contacted us regarding a fraud, which in turn frauded us out of XXXX from a checking account using the Zelle payment system. I contacted Zelle and reported the fraud the case # is here : Zelle Case # XXXX on XX/XX/2022. XXXX XXXX will not cover the loss through Regulation E, so Zelle must be the one who needs to cover the loss under Regulation EXXXX We would like Zelle to cover the loss under Regulation E. I was told that Zelle or XXXX tried to recover the funds from XXXX XXXX ( apparently where the money went ) and was given this # as a claim XXXX - Which institution has to abide by Regulation E? I would like Zelle to pay since XXXX is not paying and covering this fraudulent loss. It is not the consumers fault that the app is so loose. We have never used a Zelle app before this fraud day. XXXX XXXX XXXX and XXXX XXXX - XXXX account ending XXXX. Previous complaint to CFPB for XXXX XXXX is XXXX.
12/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 100XX
Web
There are three fraudulent accounts listed on my Early Warning Services consumer. I have contacted Early Warning Services to have this information as a result of identity theft removed and have not received any response back. Early Warning Services is not allowing me to place a fraud alert on my credit report with them. They are telling me they are a consumer reporting agency and are not obligated to do so. Early Warning Services will not provide me with the addresses and contact information for XXXX or XXXX XXXX XXXX XXXX to contact them to have the fraudulent information removed from my report. I have attached copies of all relevant documents to this complaint including copies of the front and back of my NYSID with my current address along with my SSA card for ID verification. I discovered my identity was stolen in XX/XX/2017. I have attached confirmations of identity theft after formal investigations by XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
10/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33025
Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
08/11/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • PA
  • 17055
Web
On XX/XX/2022, I received a message from XXXX XXXX on XXXX XXXX about an item I posted on XXXX : a claw foot tub. I asked {$900.00} for it. She asked if she could pay me through Zelle. I said yes. She claims she sent me {$900.00} and sent a screenshot, however I never received the money. I did, though, receive an email from XXXX saying that I had to send money in order to allow the {$900.00} to go through. Against my better judgement, I sent the money through Zelle. This went back and forth until I sent a total of {$1000.00} via Zelle and {$300.00} via XXXX ( to XXXX XXXX @ XXXX XXXX XXXX In total, this person stole {$1300.00} from me because XXXX acted as a Zelle. I filed a dispute with my bank, but it was declined. I tried requesting the money back, and the person declined ( I didn't expect them to return the money but thought it was worth a try ). I kept screenshots of the back-and-forth emails and XXXX exchanges as well as all the emails s/he sent.
06/14/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • NJ
  • 07017
Web
XXXX XXXX closed out my checking account because of an issue with a merchant I purchased computers for my business the merchant did not deliver or claimed the packages got lost so I then did a police report XXXX temporary credit my checking account I was bale to take the funds from the bank and went on to purchase my items with the funds after submitting the police report and all the substantial evidence XXXX XXXX still ruled that my account was not to be permanently credited closed it out at a negative balance and then sent me to collections. I then applied for a XXXX XXXX XXXX XXXX account because now that my account is closed I need to do banking else where XXXX XXXX XXXXXXXX as sent NEGATIVE INFORMATION OF FRAUD to EARLY WARNING and until this is corrected they will not do business with me I have attached all the evidence after reaching out to EARLY WARNING they ruled to stand by XXXX XXXX and found no error. Please Help ME rectify this situation
07/05/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • GA
  • 314XX
Web
I was scammed by a woman who was renting me an apartment. She asked for {$1700.00} ( XX/XX/2022 ) over Zelle for the security deposit which I paid under the circumstances that this was a legitimate apartment. She refused to show me/tour the apartment and told me I could submit a document to get my funds back. She asked for more money and I said no if I cant see the apartment.I did submit this document and have emails from her starting under the circumstances I would get the money back. I have not received the money. I contacted Zelle because my bank couldn't dispute it. They refused to make an exception as I have a paper trail of this woman telling me I would get my money back, and because I was under the impression she was a reliable person until she scammed me. I have texted and emailed everyday and she has not responded. They told me that there was nothing that they could do despite the circumstances, and I was at fault for authorizing the payment.
10/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • CA
  • XXXXX
Web
On XX/XX/2021, I complaint against XXXX XXXX XXXXXXXX for HAVING MY PROFILE FULL WITH RED FLAGS AND WITHOUT ANY PROOF to the OFFICE OF THE COMPTROLLER OF THE CURRENCY. XXXX XXXX XXXX answered to the OCC that the bank NEVER HAD REPORTED ME TO THE EARLY WARNING SERVICES AND THAT MY ACCOUNTS HAD ANY PROBLEM AND MY ACCOUNTS NEVER HAD HAD ANY RED FLAGS. These statements are FALSE because XXXX XXXX XXXX REPORTED MY FOUR ACCOUNTS AS FRAUDULENT IN EARLY WARNING SERVICES. I DISPUTED THIS FRAUDULENT INFORMATION TO EARLY WARNING AND I PROVIDED PROOF OF THE LIES WRITTEN IN THE XXXX XXXXXXXX XXXX REPORTS, HOWEVER, XXXX XXXX XXXX ANSWERED THAT THEIR REPORTS ARE CORRECT AND ACCURATE, BUT WITHOUT PROVIDING ANY PROOF. EARLY WARNING SERVICES HAS ACCEPTED THIS FRAUDULENT STATEMENT AS REAL, AND EARLY WARNING DOES NOT WANT TO REQUEST PROOF OF XXXX XXXXXXXX XXXX 'S STATEMENTS, MAKING THIS REPORTS FALSE BECAUSE THEY CAN NOT ACCUSE ME OF BEING A CRIMINAL WITHOUT ANY PROOF.
06/10/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • GA
  • 30076
Web
On Tuesday, XX/XX/2022, I intended to send my brother {$620.00} through Zelle from my XXXX XXXX bank account. Zelle allows people to send money using other people 's phone numbers. I mistakenly entered an incorrect digit when entering my brother 's telephone number through Zelle. I immediately attempted to get the transaction reversed through XXXX XXXX ; however, they said I'm unable to cancel the charge once sent through Zelle. Then, I contacted Zelle and they informed me that I had to request it back from the individual who received my money in error. I reached out to the individual to inform him what happened and he didn't understand why neither Zelle nor XXXX XXXX could resolve it. The individual to who I mistakenly sent the money denied my request and asked me not to contact him again. The individual requested that Zelle resolve this. I informed Zelle of this and they still refused to take the money back from the individual and return it to me.
12/09/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • CA
  • 95835
Web
Today, XX/XX/2022, I received a XXXX XXXX offer for an item I was selling. After agreeing to the amount and date, she claimed to want to send me the money now and pick up the item on the agreed upon date. I received an email from what looked to be zelle that my account needed to be upgraded. To do this, she was supposed to send me {$400.00}, that I would then return to her, and send a screenshot reply to the email. The names on the XXXX XXXX account and the zelle did not match. After sending the {$400.00}, I immediately called my bank, XXXX, because it didn't feel right. The associate saw that the transaction was suspended and tried to cancel it but was unable to. She then gave me the number to zelle directly, but they refused to help because it was done through my bank account and not a separate zelle app. I then received another email requesting even more money. She has messaged me multiple times since then asking if I have received this email.
09/06/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Can't stop withdrawals from your account
  • LA
  • 700XX
Web
XXXX XXXX on XXXX XXXX XXXX. Buyer said she was out of town but really wanted the bike. Told her I would hold it until she could ride to be sure she liked the git, it is a XXXX bike. She said she would pay through Zelle. I hardly use it so I got an email that said I had to put in {$500.00} to be come a business account to accept the {$1600.00} since the amount was high. So I did. Then It came back and said I needed another XXXX and I was very skeptical and she said her friend XXXX just went through this with her bike. I did know XXXX that just got a new bike, not sure how she bought it and well she guessed the right name so I did it. So I paid out XXXX and they were suppose to credit my account XXXX The XXXX for the bike and y XXXX i put up to become a business account Then I got another email saying to go to a bitcon ATM to deposit another XXXX I knew it was a scam. XXXX will not give me my money back bc I checked on Zelle that it was not a scam.
11/06/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • TN
  • 374XX
Web
On XXXX XXXX XXXX XXXX XXXX XXXX banned me from opening an account with any other bank because of a check fraud scam. I was a victim of check fraud and they treated me like the criminal who committed check fraud. They froze my assets and closed my account. I have not been able to open an account since. I tried to file a dispute against the claim but XXXX XXXX XXXX was very uncooperative an their customer service was very unfriendly and not at all helpful. The staff inside the bank would not even help me dispute the claim. It is now XXXX and I still am not able to open an account, and all of the evidence is now lost so I am not able to file a dispute, and XXXX XXXX XXXX will not allow me to open an account or allow me to open an account with any other bank. If there is a check fraud scam XXXX XXXX XXXX will assume that you are a criminal and treat you as such. They will not work with you and all of your attempts to clear the account will be futile.
09/26/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Making/receiving payments, sending money
  • NM
  • 870XX
Web Older American
Numerous banks and credit unions offer peer-to-peer interbank payments. My credit union uses an intermediary that operates under the trademark " XXXX '', while a number of the largest banks use ( and apparently own ) a intermediary called clearXchange. In spite of the fact that the transfer is an ACH transaction, the payment takes 3-5 *business* days. Of course, the banks withdraw the money from the pay-from account on the first day of the period, finally paying on the last. This is an all-electronic transaction and there is no reason for it to take more than 24 hours ( if that ). Furthermore, since the funds are verified and debited at the initiation of the transaction, there is no valid reason to put a hold on the deposit at the receiving account. These slow-rolling tactics appear to be common across all providers of this service. The only reason for the slow transfer is to take advantage of the float. These sorts of practices should be banned!
02/24/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • MI
  • 495XX
Web
- XXXX/XXXX/23 at XXXX on XXXX saw an offer for concert tickets for XX/XX/XXXX from an account under the username XXXX XXXX posing to be real life person who is a mutual friend, XXXX XXXX XXXX XXXX/23 sent screen recording of our conversation and opened the confirmation email of their two tickets. XXXX23 XXXX XXXX first Zelle payment of XXXX $ for tickets was sent on my end. -XXXX/23 XXXX the scammer sent a photo of the screen to transfer the tickets on XXXX to my correlating information for my account. Photoshopped a fee of {$100.00} to transfer. XXXX/23 XXXX XXXX my second transaction of XXXX $ via Zelle payment was sent. -- XXXX/XXXX/23 XXXX I asked for an ID to be sent when asked for another XXXX payment as they claimed my payments would not be processed for 5-7 days, ID was most likely a fake. ID also did not correlate to the images on their XXXX. I messaged the real mutual friend on XXXX and told them they were being used to catfish.
03/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • OH
  • 440XX
Web
I contacted Early Warning about getting a copy of consumer report. I filled out necessary application and faxed it to XXXX XXXX XXXX on XXXX. That same day, I went through verification over the phone to get a copy of the report in which Early warning asked me multiple questions about my credit, sent me a link to scan the back of my drivers license, had me verify my social, my home address and multiple other credit history info. Still, to date ... .no report by email or mail. I explained to the representative at EWS that I had pulled a recent XXXX XXXX report and found multiple inaccuracies such as payday loan inquires and bank inquiries in different states which i do not live in .... He told me he would send me info about Identity theft ... Which, again, I never received. Honestly, I am starting to question whether EWS is even a real company at this point??? I would like CFPB to step in here and find out where my report is at this point.
04/03/2023 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • TX
  • 78731
Web
I was scammed by someone messaging me about interest in an item I listed for Sale on XXXX XXXX. The individual made me believe I had to open a " Business Account '' on Zelle in order for them to pay me for the item. They sent me fake transactions on their end and fake email messages pretending to be from Zelle. I was asked by the fake " Zelle '' that I needed to send a refund of {$200.00} to the buyer and then our original transaction and my " Business Account '' would be complete. I sent {$200.00} via my Zelle account to XXXX on XX/XX/2023, around XXXXXXXX XXXX. I then received another email from the fake Zelle account that I now needed to send another {$400.00} and there were a ton of typos in this final email. This is when I blocked the user on XXXX XXXX XXXX and reported the scam and fraudulent transaction immediately to XXXX XXXX, Zelle, and the FBI. XXXX XXXX said they would try to refund me the {$200.00} in question but never did.
08/25/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • VA
  • 23464
Web Servicemember
Zelle user and transaction fraud/scam. XX/XX/2022, I was in contact with another person from the app XXXX in regards to XXXX pair of pants bundle for {$30.00} she was interested in buying. She was unable to pay via XXXX through the app and asked to pay through other ways. She mailed a check and it was the amount of {$1400.00}. I only wanted {$30.00} and wanted to return the {$1300.00}. This person asked for me to send the remaining amount of money through a third party ( her attorney ) as thats where the additional money originated from. Check was deposited into my bank account on XX/XX/2022 and was approved. Money was sent through Zelle XX/XX/2022. XX/XX/2022 Check was bounced back and additional {$1400.00} was taken out of my account. Person will not answer me on all emails and phone number. I ended up loosing {$1300.00}. Attached included fraudulent account holder for Zelle XXXX XXXX XXXX ) and her information, as well as fraudulent check.
07/20/2022 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • NJ
  • 07712
Web
On Friday XX/XX/2022 I was scammed into sending a {$200.00} deposit fee for a puppy I never received. An ex coworker referred me to someone they considered a friend. Assuming that my ex coworker knew the person I gave permission for them to share my number. The scammer went by the name of XXXX XXXX on XXXX. She said I needed to give a deposit of {$200.00} in order for her to hold the XXXX week year old XXXX. Once I sent the deposit she then began to ask for more money so that she can leave the vets office with the puppy. I than became skeptical and called. The number was a XXXX number and the women who answered had no idea of who I was. I then text the number again and asked her to refund, she continued to lie and then stopped replying. I called the bank immediately and they took a claim and told me I could not be refunded because it was a scam and Zelle does not offer protection against scams. The email which I sent the zelle to was XXXX XXXX
07/06/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • MI
  • 48111
Web
Attempted to purchase XXXXXXXX XXXX, as my insurance doesn't cover it fully. Found " XXXX '' & sent them two separate payments via Zelle ( {$500.00} on XX/XX/XXXX and {$210.00} on XX/XX/XXXX, totalling {$710.00} ). Never received a confirmation of payment or order confirmation. Sent customer service email on XXXX regarding order, no response. Also, tried several times to " chat '' with a " representative '' online. I no longer have that option - - chat box is gone. Emailed Zelle twice ( XXXX and XX/XX/XXXX ) and called Zelle customer service on XX/XX/XXXX without any real answers. Zelle just tells me they'll " investigate the situation. '' When I got no where with Zelle or the seller themselves, I filed a complaint with the California Attorney General as well as attempted to file a dispute with my credit union XXXX XXXX XXXXXXXX XXXX XXXX As of XX/XX/XXXX, at the time of this complaint, I have gotten no where as well as no news on a refund.
01/19/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • IL
  • 60540
Web
on XXXX the XXXX i was in XXXX XXXX with my father on a visit. On my way to the airport we stopped to get food and the car was broken into and my bags where taken along with my fathers belongings. The police was called and a report was taken. On XXXX the XXXX i receive a text message from my father phone it said for me to deposit two checks he was sending me to replace my XXXX watch XXXX computer and text books for school and another to pay my semester that i owed. I was surprised he had sent me over the amount i needed and i text him. He replied for me to quick pay him thorough zelle XXXX to return some of the money back which i did. After a two days the first check bounced i called my bank and they informed me it was an unauthorized check. I immediately contacted my father at my grandmothers house where he informed me he had never sent the check and that he had not recovered his phone. I was advised from zelle and my bank to file a report.
05/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30327
Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX # XXXX has violated my rights. XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
08/04/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • OR
  • 970XX
Web Older American
The company name is Zelle. It is a 3rd party with XXXX XXXX. Zelle is a company that transfers money outside your Bank. This is a scam that included they were with XXXX XXXX. Told me over the phone that there were 2 charges of my Credit Card ( which was showing on my account ) .. told me they were purchased in XXXX XXXX Florida XXXX One transaction of {$400.00} and another of {$420.00}. the person on the phone ( which we will call her XXXX ). I disputed both of them and XXXX said to get the funds back have you heard of Zelle which they are used with a lot of Banks including XXXX XXXX. So I asked her how it works. She explained to me that you can transfer the money back into your accounts. I feel this XXXX is an inside job of XXXX XXXX because she knew a lot about my accounts like the funds involved she also " told me '' my account numbers. So I he whole transaction took these ounts from my accounts and used a phone number that wasn't mine.
11/22/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • XXXXX
Web
I have been disputing four seperate accounts with Early Warning Systems since XX/XX/2019. The accounts are XXXX XXXX XXXX, XXXX & XXXX and XXXX XXXX. I have gotten told to resend the disputes individually by each account and resend and oh we didn ; t get that one dispute. I call and call and call and I get I don't and I don't care to look back in the past to see why we haven't initiated a dispute, or your just not understanding what is coming out of my mouth, or that we do things differently here and you have abide by what are requirements are. I have disputed these accounts as fraud. Sending over to Early Warning Systems are Notarized FTC Affidavit and police report which is supposed to be immediately blocking of the reported information and removal from my consumer report. No thats not what is happening. I am being told to wait 30-45 days until an investigation is completed and it will be and only be removed with the bank tells them too.
06/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • XXXXX
Web
XXXX XXXX XXXX accused me of fraud and reported me to Early Warning in XX/XX/2020. I submitted a complaint to Early Warning advising the report was erroneous. On XX/XX/2020 I received a letter that Early Warning blocked the fraud being reported due to identity theft. On XX/XX/2020, Early Warning rescinded their findings and put the fraud back on my report advising that XXXX determined the fraud was correct. On XX/XX/2020 Early Warning applied the block and then XX/XX/2020 rescinded the block. I submitted reports to Early Warning and a letter from my attorney advising this was indeed identity theft but Early Warning is refusing to acknowledge my police reports, attorney letter, the complaint I sent to the Texas Attorney Generals office, and the letter I provided from XXXX indicating there was no fraud committed by me. Early Warning is unfairly penalizing me for something I didnt do. Ive keep all correspondence if more information is needed.
10/13/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • IL
  • 61820
Web
I saw this offer from XXXX about used XXXX XXXX pro for {$750.00}, I negotiated with the seller to {$600.00} and he agreed to it, then we exchanged phone numbers so we could communicate easily. I structured XXXX payments, {$350.00} for him to send the phone, {$150.00} after he mailed the phone, and {$100.00} after I got it. He sent me a XXXX XXXX number XXXX and when I saw the status that the package hadn't been handed off, he told me to wait for the next day which was the first time I had my suspicion and the next day when I contacted him, I realized he blocked me. I tried to contact him ( XXXX ) XXXX with another phone number and he responded to me saying I was weird and I need to calm down, he sent me his ID and SSN, his name is XXXX, XXXX XXXX XXXX. I felt more relaxed after he gave me his ID but then he also blocked me on that number and when I tried to contact the number again, his number is gone and a new guy has that phone number.
06/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CO
  • 80219
Web Servicemember
My credit file is being handled by the special fraud team with XXXX and I can not get a hold of any one in reference unauthorized accounts and inquires among other errors. Also there is a fraud alert on my XXXX report with the wrong number! Cant reach anyone who could help me there and XXXX has no record of my police report I sent them last year to address my disputes and these different addresses keeps appearing on my report and I tell them to take it off and next thing I know I call back and I cant be authenticated because something else has popped up. Then check systems wont remove fraudent information off my record where its hard for me to open up bank accounts. I was notified by XXXX credit monitoring that my email addressed and personal information was hacked and my telephone number was somehow possibly being used. Ive spent many of hours dealing with this. My personal information was also involved with the XXXX 2017 data breach.
02/28/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Problem with personal statement of dispute
  • FL
  • 339XX
Web
I contacted XXXX XXXX XXXX on XX/XX/17 to make a payment on an old account that was closed out with them. I learned that it was closed due to fraud which I had no recognition of. A XXXX XXXX XXXX representative in their recovery department advised me that a letter was sent to Early Warning Services to remove the negative notation and that the money I paid was accumulated overdraft fees. I then contact Early warning a couple of weeks later and was advised that the bank only updated the account as paid, but still left the negative remark associated with the account. I sent in papers showing proof that I had no knowledge of what occurred with the account which is why I was advised that all negative remarks would be deleted but this hasnt been done. Ive been waiting to open an account and this is hindering me from doing so. XXXX XXXX XXXX is not complying and so is EWS ; both companies are sending me back and forth between the two of them.
10/03/2018 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 32309
Web
XX/XX/2018, a total of four fraudulent XXXX Transfers were made from my Bank Account. The bank was notified and failed to act. At the time there were three transfers in the amounts of {$180.00}, {$200.00}, and {$490.00}. Following the call to the Fraud Department of my Bank, a fourth charge came through for another {$200.00}. Total fraudulent XXXX Transfers were {$1000.00}. My wife and I have never used any money transfer service, so would have had no reason to accept or set up electronic fund transfer with our Bank. That said, there was a change to our account on XX/XX/XXXX18, the same day the charges occurred. These charges are related to XXXX Transaction XXXX and the receiving party email is " XXXX ''. This looks shady to me. I have filed a report with the XXXX Police Department. Case # XXXX. You may reach XXXX @ XXXX. In addition to XXXX, Complints are being filed with My bank and XXXX XXXX, where the receiving account is held.
09/14/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TN
  • XXXXX
Web
I sent a letter requesting removal of the XXXX XXXX XXXX account because the negative listing is inaccurate and has not been verified. I sent the letter on XXXX/XXXX/XXXX and it was sent via the Online Consumer Portal. I received a confirmation notice via email that XXXX XXXX XXXX XXXX received the letter on XXXX/XXXX/XXXX. It is now XXXX XXXX, XXXX and I have not received a response. As there has been no communication from Early Warning, I can only conclude that they do not have the information available to prove the negative listing from XXXX XXXX XXXX. Because the negative listing remains in my file, I must also conclude that they are reporting this information in error. Early Warnings failure to respond to my request in a timely manner is a violation of the FCRA, as is the continued listing of inaccurate and unverifiable information in my file. Per the FCRA Section 611 ( a ), Early Warning must now delete the unverified listing.
07/31/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48214
Web
Back in XX/XX/2016, I deposited a check into my XXXX XXXX XXXX account that returned as being counterfeit. At the time, I had signed up for a secret shopping job assignment. The check was mailed to me to use for the purchases I would be making. I didnt know the check was counterfeit if so I would have never deposited into my account. I have attached the email correspondence from the person I was working with regarding the assignment. I am writing XXXX XXXX XXXXXXXX to request that the negative reporting be removed from EWS ( Early Warning System ) and XXXX. I've spoken to several different departments within XXXX XXXX XXXX. I was referred to send a letter with the email proof showing this wasnt intentional to have it removed. I am in the process of trying to get a mortgage through a bank, and this issue is preventing me from doing so. I would greatly appreciate it if you would please remove the adverse reports from both EWS and XXXX.
12/31/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Confusing or misleading advertising or marketing
  • NY
  • 11233
Web
on XX/XX/XXXX at XXXX XXXX, a {$300.00} money transfer via Zelle, a subsidiary of Early Warning Services , LLC. The Zelle transfer was sent to my XXXX XXXX account but will not be available until XX/XX/XXXX. Overall, a service that was supposed to be immediate or reasonable, is taking 7 days. I expected the transfer to arrive within a reasonable time. I expected the transfer to arrive within a reasonable time. It is stated in the Zelle literature that enrolled Zelle customers can expect payment within minutes. I am enrolled in Zelle and I have a XXXX XXXX account. The transfer will not be available until XX/XX/XXXX. This is an abuse of customers. This money was needed urgently and is being held by Zelle/XXXX. The service is advertised as transferring funds within minutes and it is expected that funds will be available quickly when these services are used. These advertising are confusing and false and abusive to customers.
12/22/2022 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Unable to open an account
  • NC
  • 28278
Web Older American
Background : On XX/XX/XXXX, I sent a request on line to XXXX XXXX XXXX to open a saving account, and within XXXX minutes I received a rejection from the bank due to : Your deposit account score is a number that reflects the information from your deposit account history in your consumer report. Then the bank suggested that I contact : Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX, AZ XXXX Telephone : XXXX earlywarning.com/consumer The issue : On XX/XX/XXXX, I contacted Early warning and asked them to send me a copy of my deposit account and informed them the reason for XXXX XXXX XXXXXXXX rejecting to open a saving account! So I was told that it will take 15 days to complete the report!! And I asked them, the report should be available since it was sent to XXXX XXXX XXXXXXXX. Then they said it is not compatible to be sent to me in current form! However as of today, about 60 days later, I have never received the report!
11/03/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • AL
  • 367XX
Web
Dear Early Warning Services, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported to my bank account. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transactions by me as a consumer. ( Account # XXXX ) XXXX XXXX - fraudulent transaction that I did not authorize in the amount of {$1100.00}. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice. I look forward to your response. Thank you.
12/15/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CO
  • 816XX
Web
On XX/XX/XXXX, I initiated contact with a website called XXXX regarding a puppy under the name of XXXX. They soon sent me a message from text from the phone number listed on the website, but also sent me a detailed email about the puppy. I was charged {$650.00} for the puppy and an additional {$150.00} for the air shipping. I initially sent {$500.00} through the application called Zelle on Friday the XXXX, then sent {$300.00} on Saturday the XXXX, since my daily limit was {$500.00} per day. On the XXXX I received another email from a so called XXXX XXXX from XXXX XXXX ways. They gave me a website to track my puppy as well. They soon said to proceed with the delivery they required me to buy a thermal crate of {$1800.00} and was promised a refund at delivery. However, they then all stopped responding. I was able to trace the photos I was sent by the breeders from other websites. I have phone numbers, screenshots of conversations.
05/26/2015 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • IL
  • 60506
Web
I opened an account with XXXX XXXX XXXX shortly after my XXXX birthday in 2012. A check was given to me and was deposited into my checking account. Days later I realized that my account was overdrawn due to the check being returned. I immediately paid the fee and covered the deposit with my account. A week later I received a letter from XXXX XXXX XXXX informing me that my account was being closed due to fraud. I never committed an act of fraud. XXXX XXXX XXXX has reported me to credit and consumer bureaus for fraud. This has resulted in adverse harmfull action against me from the financial world. I CAN NOT open a account with any financial institution. I have tried to resolve the issue with XXXX XXXX XXXX for the past XXXX years unsuccessfully. I attempted to resolve the issue with XXXX and Earlywarning systems directly but they report that XXXX XXXX XXXX is standing by the fraud claim with no evidence to substantiate the claim.
05/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 310XX
Web
XXXX XXXX allowed someone to open a account in my name. I was informed by the XXXX XXXX the account is overdrawn in the amount of XXXX I called them and advised that this account doesnt belong to me. I filled out the forms that was provided to me through email from the bank and I still havent heard from the bank .I disputed this account with the early warning service which handle account reported by banks. XXXX only respond they will not changed there information they wouldnt provide any information to show how this account is accurate and that Im responsible for the account. There no XXXX XXXX in my area. From research this bank is located several states from me. I live in XXXX born and rasie. If Im not mistaken the close branch to my area is XXXX XXXX or XXXX. I like this negative account resolved and moved off my XXXX XXXX report this negative information would keep me from obtaining a checking/saving account in the future.
05/24/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • GA
  • 30253
Web
Email : XXXX ( XXXX XXXX )/ XXXX ( XXXX XXXX ) Zelle XXXX ID : XXXX Phone : XXXX XXXX On XX/XX/22 my son was incarcerated at XXXX XXXX XXXX XXXX The arrest information including his address was made public by the jail which is how this person knew to contact me. I had made several calls to local bail bondsman about the case and this person called at about XXXX XXXX and said he was from one of the agencies I had called. He had me Zelle the money ( {$1000.00} ) for the bond to him. It wasn't until a few hours later when I spoke to the correct agencies that I realized this person lied to me. I do have the email with the fake document he sent as well as an audio recording of him requesting the money. He presented to be someone else and stole my money. I have also alerted the FBI Internet Crimes Unit. Under Regulation E, this money needs to be returned. Zelle told me even though they know it was a scam they can't return the money.
01/31/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MI
  • XXXXX
Web
XXXX XXXX sent the amount of {$1000.00} to XXXX XXXX on XX/XX/2018 through XXXX XXXX XXXX ( XXXX ). Immediately, Mr. XXXX received a text message from his XXXX XXXX XXXX account confirming the account will be credited with confirmation number is XXXX. Furthermore, Mrs. XXXX XXXX account reflects the {$1000.00} has been successfully transferred, however, the transferred amount never arrived in Mr. XXXX account. Upon further investigation with XXXX XXXX, we found that another individual had registered Mr. XXXX phone number and linked it to his bank account. Mr. XXXX states he never authorized this. Mrs. XXXX filed a claim for reimbursement, XXXX XXXX confirmation number : XXXX and XXXX confirmation number : XXXX, on XX/XX/2018, however, XXXX XXXX denied the claim on XX/XX/2018 stating they are not at fault. I vehemently believe that XXXX is liable and is fully responsible for the amount being sent to someone else 's account.
04/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30341
Web
In response to my 2 previous complaints Early Warning Systems they stated they do not have the documents that would give them authorization to posses my non-public personal information. That being said the accounts from XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX that Early Warning Systems has in their possession without my written permission is a violation of the Gramm Leach Bliley Act. This my last time demanding that Early Warning Systems Remove this personal account and information from their data base. Early Warning Systems also recommended I contact the banks however the banks are not the ones causing me financial harm and damage. Early Warning Systems is making it impossible for me to open another bank account because they have information in their data base without my permission and with knowledge of being false. The FCRA states that it is a violation to house information on a consumer with knowledge of it being false.
09/06/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Managing, opening, or closing your mobile wallet account
  • MD
  • 20874
Web
I have found my access to Zelle has been permenately restricted. I have been speaking back and forth since 4 days starting on XXXX until today XX/XX/2022. I have spoke with several members of Zelle, Early Warning Systems, and XXXX XXXX XXXX XXXX. I haven given he run around since. I have asked for documentation several times and none have been provided. This information has been asked from XXXX, Zelle. Early warning services. XXXX explained to tell me there's nothing that can be done to help me, they didn't place the restrictions. Zelle has explained to me not their responsibility. Early Warning Services explained they don't have any information for me. I have done nothing against money transfers, banking guidelines. I still have not received any valid response from either party. I am just asking for something in writing. How can my account be restricted permanent with no valid response. This is so darn unfair as a consumer.
11/14/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 33805
Web
I was going to buy a dog and a XXXX page contacted me saying that he had it and had to pay half before and half after I get the dog, and then I paid by the Zelle {$320.00} at XX/XX/2019, and then in a couple days he sent me a msg saying that i should get an email from the shipping company and could be at the junk, when he said that I already knew i got robbed, but i opened the email and there was saying I had to pay $ 900+ refundable to the shipping company, and then I told him that he never told me about paying that I didn't have that money, and he said yeah I know I should have told you before and bla bla bla , and then I told him that I already knew that the email was fake and if he didn't pay me back I would call the police, and then he blocked me. So I opened a case on XXXX XXXX XXXX but after one week they said that weren't their error and could not do anything about it. Hope everything is explained. Thanks in advance
04/25/2018 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • GA
  • 303XX
Web
Received my Early Warning Report. Stated that on XX/XX/XXXX I attempted a transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. Not sure what the allegations are. I never made any such transactions of any kind that would lead to me compromising my bank account. I identity was compromised in early of part of XXXX. I was once homeless for 20 years and people befriended me. I strongly believe someone stole my identity and opened a bank account in my name. Due to these senseless acts i can no longer have a bank account. I currently get a XXXX check which i'm having a hard time receiving due to the fact that i'am in the XXXX XXXX XXXX. I don't have people i trust to have my check deposited into anyone account due to what happen to me in XXXX and XXXX. Someone has been applying for credit in my name. I just ask that help be the bridge in helping me clear my name out of XXXX XXXX XXXX
09/06/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • TX
  • 75039
Web
I made a XXXX XXXX payment through zelle on XX/XX/2019 for the amount of {$2000.00} to my non-XXXX account ( XXXX ). I entered my information correctly and have made several successful transfers in the past. However, this transfer was unsuccessful and the amount was taken out of my XXXX account, but never reached my XXXX account. I called Zelle and they said that the transaction failed and the bank should return the money to my XXXX account. I called XXXX and was told that the delivery was successful and was deposited to the recipient ( me ) which is not true. Even on my zelle accounts activity, there is no record of this transaction. I do not know who to believe and neither side will give me any documentation in writing of what is going on. I was wrongly charged {$2000.00} for a failed payment and the worst part is that I have no idea where the money is and both parties are blaming each other without providing solutions.
10/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 78217
Web
Multiple fraudulent XXXX XXXX XXXXXXXX inquiries on my credit report I have never applied for a XXXX XXXX XXXX checking account. Ever. XX/XX/XXXX Received notification from XXXX XXXX XXXXXXXX XXXX XXXX XXXX declined to open a bank account on my behalf because of information XXXX XXXX XXXX provided. I called XXXX XXXX XXXX and advised they were violating my rights and providing unauthorized information. The agent responded they were contacted. And again explained I never gave them permission to access my information. Then I called XXXX XXXX XXXX and they acknowledged someone tried to open an account but they blocked it. I again explained the inquiry was fraudulent and not made by me. That did not invoke any further action. Now it is XX/XX/XXXX and again received notification of a XXXX XXXX XXXXXXXX hard inquiry on my credit report. Fraudulent application. I have never applied for a bank account with XXXX XXXXXXXX XXXX.
06/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 93534
Web
I haven't had a checking account with XXXX since I was XXXX XXXX XXXX XXXX ( XXXX ). Their was some problems with an account where it was closed down due to overdraft from a dispute. I paid then off within the next couple months XX/XX/XXXX. The account was settled, then I received a check a couple months later stating i overpaid, then all of a sudden i owe them again and have to repay them possibly a year later? XXXX is reporting checking account fraud when that was never the case. My first chase account was closed due to an unauthorized charge and my second was closed due to the dispute disagreement which led to overdraft. I do not appreciate being lied on and having my report tarnished where it affects my other banking business going forward. I would appreciate to have that report removed before considering legal pursuits. This is clearly not appropriate banking procedures and this corporation needs to be shut down.
06/02/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • NV
  • 89506
Web
Zelle charged me twice when sending rent to my landlord. Rent this month was {$1100.00}, and when I sent it there was a separate charge of an additional {$1100.00}, which put my bank account into an overdraft of around - {$700.00}. I contacted XXXX and they said there is nothing they can do as it is an issue with Zelle themselves. This is a HUGE breach of trust as XXXX owns part of Zelle and the service is plastered all over their app. I don't know what I am supposed to do, as the remaining money in my account was to be used to feed myself and pay the month 's remaining bills. Now I will incur many more late fees because of this egregious failure to refund their customers who use one of THEIR PRODUCTS. I will be switching banks. I would like to add that I hope a class action lawsuit results from this and that I will most certainly take part. The amount of emotional and financial damage this is causing me is unbelievable.
04/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • CA
  • 90250
Web
The account opened here was opened fraudulently and I was a victim of identity theft leading up to this. The amount of {$3000.00} is not mine to pay off because someone else who abused my trust put in some fake checks that he created, I don't know how, and demanded I put it in my account. The info that is shown on Early Warning database is inaccurate and needs to be removed as I'm not responsible for it as the person who did this is already in prison facing fraud charges. Account number XXXX and XXXX are not mine because I was forced to open them. I ask that the XXXX XXXX forgive this and remove this off my report as it wasn't my fault and I was a victim of manipulation and I was barely XXXX and my mind wasn't fully mature yet so I didn't understand what was going on. I also ask that the checking account fraud report be removed too as I did not do it but was rather a friend who abused my trust who committed that crime.
04/28/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78132
Web Servicemember
Early Warning Services was disputed on XXXX / XXXX / XXXX with XXXX XXXX XXXX XXXX . XXXX XXXX has been disputed on XXXX / XXXX / XXXX . My daughter had a student account attached to my accounts with XXXX . She submitted a fraudulent check through the ATM. This is the only way a student account can do banking is through the ATM. When XXXX found the check to be fraudulent XXXX shut down all of our accounts INCLUDING my Husbands that had nothing to do with my daughter 's account. Attempted to resolve with XXXX and no luck. Attempted to resolve wit h Early Warning Servic es, XXXX XXXX , and no luck. XXXX / XXXX / XXXX Today I have found that I can not open any accounts and have found myself without banking for busines ses. Real Estate and Construction . I am not able to write checks to employees or conduct business. I am desperate to talk with someone to help the situation. Please help.
12/05/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NJ
  • 08540
Web
At the time I believed the scammer was selling a XXXX XXXX for {$500.00} and I saw on his XXXX stories section that there were numerous satisfied customers who had gotten their products. I messaged the scammer and upon sending the payment I was told I would receive a tracking number shortly. However when I later asked for more information and got no response I requested a refund through Zelle but when I informed the scammer of this I was blocked from their account. I have screen shots of the account if needed. Here are screen shots of the chat, proof they blocked me after I requested a refund and the item in post made by the scammer. I have already filed claims with Zelle, XXXX XXXX XXXX, FTC, IC3 and reported the account to XXXX. currently XXXX XXXX XXXX is doing an investigation but I was told there is most likely nothing to be done. However I believe that something can be done if these companies act quickly enough
09/03/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92677
Web
I contacted over 4-5 times over a year by mail also provided them with the Identity theft and police report and after several attempt they agreed to remove the information and block my report. I tried to open a new checking account and I was notified by the bank that my application is denied because of the information on my early warnning report and also too many inquiries on your EWS report. It was my first tine applying and shouldnt have tok many inquirues report and not sure what information they have added to their file but since I was a victim a identity theft and previously had account reported under my information and is possible new activities added to my report. I previously notified by early warnning that they block my report and supposedly it prevents new activity but looks like they still contain some information on their report that Im not aware of and it prevented me from openning a neq checking account.
11/19/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • CO
  • XXXXX
Web
A vendor told me I could make my payment using Zelle. I assumed the vendor 's email address was their Zelle address, so set that up on Zelle and made the payment. I thought. It turned out that the vendor 's Zelle address was a different email address. But Zelle accepted my payment anyway! Zelle will accept a payment to ANY email address, then try to get the owner of the email address to sign up with them ( see below ). This is extremely poor control. Now I have to chase down the payment and get it cancelled. XXXX You only have 14 days left. Enroll to receive {$300.00} from XXXX XXXX " Third pick male for XXXXXXXX XXXX XXXX. '' ENROLL TO RECEIVE To receive your money, enroll using this email address : XXXX Before XX/XX/2023 Terms and conditions apply Zelle is a fast, safe & easy way to send money to and receive money from friends, family and others you trust. For more information, please visit XXXX XXXX XXXXXXXX
02/18/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • NC
  • 286XX
Web
I got a call on Sunday, XX/XX/XXXX from my bank. The person said that I was hacked and that a scammer sent over my via Zelle to themselves and that they would help me recover my funds back to myself. I " sent '' myself XXXX amounts, both for {$300.00}. After that phone call, I got another call from my bank and said there was unusual activity on my account. I told them I just spoke to someone from the bank and they had said that I didn't and there was no records in their system that I had just spoke to someone from the bank. It turns out that a scammer called me and trying to get me to believe that I was sending money that was taken back to myself. I called my bank ( XXXX XXXX ) and they said because it was process from Zelle that it was their responsibility and they could not give me back my funds. I contacted Zelle and they had said the same thing. It was through Zelle 's platform and that is why I am out {$600.00}.
06/23/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • TX
  • 76006
Web
Contacted this company first on XXXX XXXX and was informed that they ca n't mail reports and they can only email them within 15 to 21 days from the date. I contacted them again late XXXX to be informed that they emailed it to me late XXXX and I should have received it. I am confident that no report was sent. They claimed again that they will investigate and email another report within 3 wee ks.I informed them that based on other customers complainants who after months could n't get a clear answer or a report from them to mail it and if I can get a reference number ... they declined and provided this number ID XXXX stating that this is the only way to look up my file. Again today late XXXX ... still have n't received anything from them. Called and informed them to mail it to me, to my surprise ... they stated that a supervisor will call me back ... still waiting on the report. This company is fraudulent
11/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 604XX
Web
XXXX XXXX XXXX XXXX XXXX, XXXX, il, XXXX XXXX XXXX XXXX Early Warning Attn : Consumer Services Department XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear Early Warning Consumer Services Department, I am writing to formally request the removal of my information from Early Warning Services as allowed under 15 USC Code 1681b. According to this code, I have the right to opt out and prevent my consumer information from being shared without formal written consent. Despite this, to my knowledge, I have not provided explicit written authorization for the furnishing or sharing of my personal information with Early Warning Services. Therefore, I am requesting that all information related to me be removed from your database and that any sharing or usage of my data cease immediately. Please confirm in writing once this process is completed, as required by law. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX
09/20/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • SC
  • 296XX
Web
I was victim to scam that led me to transfer {$1500.00} to XXXX XXXX on Zelle on Friday XX/XX/2022. I was given a check for {$1900.00} that turned out to be unverified. I was tricked into making another transfer of the rest of the money to another email that was not signed up with Zelle so I was able to cancel that transaction. However the initial one had already gone through and therefore is not recoverable outside of asking them to send it back. I called XXXX XXXXXXXX XXXX on Monday XX/XX/2022 to ask about the second transaction when they informed me that the email I had made the second transaction out to was already reported. They said that the most they can do is contact XXXX XXXX 's bank and ask for the money back. The scam was a job offer of being a student research assistant at my university. They had sent me the money to order my materials then told me to transfer it to a sales development representative.
05/16/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 33317
Web
I was contacted by a man 's niece through the XXXX pet-watching app. She was requesting pet-watching services for her uncle that was moving to XXXX. She provided me with his phone number, and he contacted me, first appearing legit. However, soon after he sent me a check through the mail to use for purchasing supplies for his cat, and to pay me for my first week of work. Upon depositing the check, he then asked me to send the money back to a " personal shopper '' because he wanted to use that service instead to obtain the supplies. I fell for it and sent {$500.00} dollars via Zelle on the XXXX app to a Zelle account registered to XXXX, phone number XXXX, and email : XXXX. Unfortunately, my bank informed me that there is no way that I can obtain my money back since I technically authorized the payment through Zelle. I have been in contact with my Bank, and they reassured me that I don't need to take further action.
05/21/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NY
  • 10314
Web
I was selling a dress on facebook market on Monday XX/XX/XXXX to a person named XXXX XXXX and the person who bought my dress asked for my name and phone number under my account to zelle me the money and i provided them my email but then i got emails from a fake zelle email saying to follow procedures to receive the money and the first one was to send the tracking number of the package for verification.I did that.Then the next said to send {$600.00} for verification but will be refunded back to me and another email said that the person sent an extra {$600.00} to me so i had to refund it back and thats what and the last email said to zelle {$770.00} to finally receive the money fully to verify and the total of {$1900.00} will be refunded back to me. I then realized that the zelle email was fake and the person hasnt been answering me ever since. I ended up giving away what i was selling for free and lost {$1900.00}.
01/18/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • KS
  • 67212
Web
First off, thanks for a website like this. Its very welcoming knowing website agencies are out and helpful to fraud scam activities. With that being said ; my husband XXXX XXXX, already has a claim with you referring to the same circumstance. Mines is just less amount money. I sent money USING ZELLE ; through XXXX XXXX XXXX, who Ive contact on behalf of this whole circumstance, and it seems they dont WANT TO do more in order for me getting MONEY REFUNDED. THE COMPLIANT ID IS XXXX. I would like to use the same information on submitting my COMPLIANT. its a ZELLE situation but I dont like factoring how my BANK just doing less amount of help they could for a customer of theirs. Ive been with XXXX XXXX XXXX for 10+ years and Im angry this happen but Im hoping to get this MONEY REFUNDED back and just Be resolved with this ordeal. Picture are attached from THE XXXX FRAUD SCAM for proof along with XXXX XXXX XXXX letter
06/28/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • TX
  • 75220
Web
I was advised by several of Early Warning Services representatives that XXXX XXXX XXXX Account Number XXXX would be falling off my account after 5 years which was reached on XX/XX/XXXX but it has not Early Warning Services is account being overdrawn going back more than 10 years past the 7 years that they can go back. The report is showing inaccurate dates going back to XXXX. I would like Early Warning Service to provide with me with the criteria used to determine if the account will be held for 5 years or 7 years and also provide me with all methods used to verify that what is being reported is accurate as well as all original documents from XXXX XXXX XXXX. As well as all the recorded calls between me and your representative that have them stating that this account will no longer appear on my file after XX/XX/XXXX also provide all notes in my file. You can not report inaccurate information or items that are old
03/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30341
Web
EARLY WARNING SYSTEMS claims the FCRA does not protect consumers with sharing of opting out of sharing of non-public personal information with entities EARLY WARNING SYSTEMS needs to provide me with the written permission that I gave XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, And XXXX XXXX for them to be an approved entity EARLY WARNING SYSTEMS has reported accounts that are a result of identity theft without written consent from me which is aggravated identity theft on their part. 15 usc 6802 clearly states consumers must be given the opportunity to opt out of reporting non public information to non affiliated third parties. I have no affiliation with XXXX, XXXX, or XXXX therefore this sharing of my information is unlawful. If EARLY WARNING SYSTEMS can not provide me with documentary evidence that the companies they shared my information with have my written consent they are in violation of my consumer rights.
11/15/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other service problem
  • GA
  • 314XX
Web
XXXX XXXX I received a text from someone that had a property to show me. I had entered my phone number on all these rental websites that I really do not know how he git my number. I went to the property he told me. Has to be verified through XXXX to get the access code to enter the property which I Did. Looked at the property he was on the phone with me. We agreed and sent him {$1000.00} for deposit and {$1100.00} for the rent so I can live there. Later on, he sent me the contract. It was misspelled, unprofessional and had a whole different address. I no longer wanted that property because well thats when I realized I had been scammed. He didnt answer my calls, told me he got pulled over. Disputed with my bank, told the officers, but closed case. Because They say its my fault and how do they know Im telling the truth. I got the deeds to the house from my local court house and his name is nowhere to be found.
09/03/2015 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • FL
  • 34743
Web
I am submitting a second complaint on early warning because I have sent them a rebuttal letter on the reinvestigation they have done with the negative reporting with XXXX XXXX. I have contacted XXXX XXXX and they have not been able to provide me with documentation supporting there reporting of transacting or attempting to transact in an unauthorized or prohibited manner. Early Warning has referred me to the Data furnisher of the information which is XXXX XXXX and XXXX XXXX is trying to refer me to another institution which is XXXX Bank whom the information has been removed from my early warning file. I am going to attach XXXX XXXX 's CFPB complaint response where they are trying to refer me to another institution for what they have been reporting to Early warning services. This is a complete violation of my FCRA rights. I am attaching my rebuttal to Early warning services and the XXXX XXXX response to CFPB..
03/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • FL
  • 32073
Web
I've been trying to get my free consumer report from Early Warning Services , LLC for over a month now but they have yet to send it to my email address. I made an account for their online portal and sent in the document & my ID that was required, but now when I try to login it won't allow me and when I click " forgot password '' it sends me an email telling me that I've been denied to change my password. It doesn't make any sense. I received a letter in the mail to call their XXXX number with my consumer ID number so they can verify it's me and to to get my consumer report. I called and talked to a woman on the line and was told I was put in the queue for the consumer report to be sent electronically to my email but it has yet to arrive. I've had no issue with getting my report from XXXX or from the three major credit bureaus who make it a much easier process. I don't know why EWS makes it so difficult.
07/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • TX
  • 77642
Web
Bank Routing # : XXXX Account # : XXXX Early Warning and XXXX XXXX has knowingly and intentionally reported inaccurate and fraudulent information it received from XXXX XXXX XXXX. I clearly understand that these reporting agencies only report transactions and data they receive from banking institutions. However, this information must be accurate and a due diligence to conduct thorough investigation of this information is a requirement for a reporting agency as mandated by federal law. In light of recent developments with regards to XXXX XXXXXXXX XXXX and fraudulent activity perpetuated on consumers such as myself and millions of others, I an demanding that all transactions reported by XXXX XXXX XXXXXXXX into my file be removed and deleted as soon as possible. Failure to do so means you are a willing participant in the fraudulent activity of XXXX XXXX XXXXXXXX and subject to class action suits as well.
12/20/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • IL
  • 61107
Web
I was selling a furniture set on XXXX marketplace with a pricetag of {$700.00}. A XXXX user displayed interest in the product and messaged me. On XX/XX/2022, he asked for my Zelle contact information to supposedly pay me- phone number and email, which i gave to him. He stated that he had already deducted {$700.00} from his account and sent me screenshots of this alleged payment. However, zelle only allows for a transfer of up to {$500.00} and i was fooled into thinking that if i would deposit what came out to be an extra {$400.00} ( through XXXX separate transactions and XXXX different emails, all linked to the same scammer ), my Zelle account would be upgraded and i would be able to receive the pending funds of {$700.00} as well as get my deposit of {$400.00} refunded. This did NOT occur, and i never got my money back. I realized that the man had scammed me, but there is no way to receive my money back
06/19/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 32065
Web
Hello XX/XX/2022, a friend of my moms posted on XXXX they were moving and selling items. XXXX was a XXXX XXXX XXXX. My mom messaged her for price, she responded. We discussed a {$1000.00} deposit to hold it until we saw it and paid the rest. Really thought nothing of it as she is a friend of my moms from her old job. Well sent it to her cousins account as she was taking care if it and almost immediately after sending money I felt this is not a friend of my moms she must of been hacked. Tried to cancel payment as it was done by a zelle account but it already went through. Absolutely amazing how quick they work as I really thought it was someone we knew. Sad part is it was my savings account and I am XXXX so it took awhile to save it. Is there anything we can do to get something back from Zelle or XXXX XXXX XXXX? We are reporting to bank as well. Just so sad. Please advise if anything I can do on my end.
06/26/2020 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Other transaction problem
  • IL
  • 60622
Web
I was sent money on Zelle. I went to update my debit card and the ap showed error. I was not able to refund the money or transfer or send the money ; it showed an error. I tried to transfer the money to a new Zelle account with the same number and email after speaking to banker who spoke to Zelle representatives and my own Zelle representatives and the funds were said to have been deposited. I checked all my banking institutions and texts and banking statements and no funds have been deposited to any of my accounts. I started a new bank account that is affiliated with Zelle solely to rectify this issue and they refuse to refund their users ; my clients their money because I deleted my account upon their suggestion moments prior although I have submitted them transaction numbers of the Zelle customers and confirmed that I never received a deposit- they want the Zelle customers to contact their banks.
05/16/2018 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MA
  • 02115
Web
XXXX XXXX scam : I'm sure this isn't the first one that has been submitted as a scam. Poster claimed he would sell me XXXX / XXXX game 2 tickets for {$650.00} for 2 tickets. I tried everything to detect a scam - called him, asked for confirmation # 's ( to which he created a fake customer support line for XXXX ticket office and doctored emails ... ). I decided to trust him. When I sent the money, he deleted his text.me phone # and stopped responding to emails / calls / texts. My contention is that his name is fake the name he gave me, XXXX XXXX, is not the same name associated with his voicemail ( I found out later ) and I would wager not the same name he has on his bank account. This violates XXXX XXXX T & C and therefore, the transaction should be void. I contacted XXXX and they told me there is nothing they can do. There is a clear lack of consumer protection and anti-fraud protection with XXXX.
08/01/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • PA
  • 152XX
Web
I have an account with Zelle via my banking institution, XXXX XXXX. Someone else fraudulently set up an account using my phone number, which locked me out of my account and also allowed them to potentially receive money sent via Zelle to my phone number. I spoke with both XXXX XXXX and Zelle. XXXX XXXX is unable to handle the fraudulently created account because they do not manage Zelle accounts outside of XXXX XXXX Zelle accounts. Zelle claims it is not their problem because I use Zelle via a bank. I am uncertain if anyone has used my phone number to request payments or collect funds because I can not access my account. The only solution Zelle offered was to link my account to my email address and discontinue use of my phone number. This is worrisome because friends and family use my phone number to send me money via Zelle. I can not be assured that someone else is not collecting those funds.
02/21/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • WA
  • 98032
Web
My account with XXXX was closed without any negative reason for closing. After viewing my consumer report with early warnings, it was reported on XX/XX/2018 by XXXX, that the reason for closing my account was as followed : Obtaining ( or attempting to obtain ) a new banking relationship or taking over ( or attempting to take over ) an existing banking relationship using : ( a ) all or part of another individual 's identity and/or credentials ; or ( b ) a fictitious identity and/or credentials. Which is totally FALSE. I spoke to XXXX about this matter and they say that they didn't report this. XXXX says that XXXX XXXX made a mistake and that the ABA number on the case is not even correct. Contributor : XXXX XXXX - XXXX Contribution Ref # : XXXX ABA Number : XXXX Account Number : XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Phone : XXXX SSN/Tax ID # : XXXX
08/23/2022 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • CA
  • 95020
Web
On XX/XX/XXXX at XXXX AM, I was contacted by someone who wanted to make a business deal regarding using some of my XXXX XXXX for their art pieces on XXXX. The artist said that his client was wanting to pay {$2500.00} for this particular XXXX, and that it would be an 80/20 cut in his favor ( artist would receive {$2000.00} and I would receive {$500.00} ). He told me the client would send the check of {$2500.00} directly to me, and that I would send him his cut over Zelle to prove transparency. On XX/XX/XXXX, I was sent the check of {$2500.00}, and it went through on XX/XX/XXXX. By XX/XX/XXXX, the funds were fully processed and in my account. I sent the artist {$100.00} over XXXX XXXX ( which was refunded ), and then {$1000.00} and {$900.00} over Zelle on XX/XX/XXXX. As of Monday XX/XX/XXXX, I realize the check of {$2500.00} had been taken back, so therefore, I have been scammed out of {$2000.00}.
03/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28079
Web
Early Warning, has broken the law-section 605B of the FCRA consistently XXXX since they 1st removed the XXXX account correctly, then reinserted it illegally without proper authority as provided in section XXXX subsection C of the FCRA. XXXX has never kept their word to contact me. Early Warning gets their contact information from ME. But Early Warning is wrongfully and illegally not investigating my claims at all. The police positively and absolutely CLEARED me of opening or maintaining the external accounts attached to my account with XXXX. It is these external accounts that caused the deficit with XXXX. Not me. But Early Warning is stupidly and arrogantly listening to XXXX and ignoring this fact. This is my MAIN claim to both Early Warning for reporting it still and XXXX, for not obeying the law and the police findings that I am cleared of those external accounts or anything to do with them.
03/03/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TN
  • 38125
Web
I used Zelle to send {$300.00} to someone and the recipient never received it. Prior to speaking to the custimer service rep with Zelle it was pending after hanging up it showed complete. He remoted into my phone and said it was software related and installed XXXX app. Then he tried to transfer money from XXXX to 3 people that he said was his manager. At this point he I stopped him and asked what he was doing and he said give me a minute while I send a {$1.00} transfer to my manager. He asked me to login to my credit union account then he moved {$200.00} from saving to checking to send to XXXX XXXX. I told him no more just refund the pending wire transfer. He said he would need to send his manager the {$300.00} from Zelle then she would refund it. I hung up at this point. The money is no longer pending and they said it went to XXXX XXXX Bank but it did not. The money was transferred XX/XX/2022.
10/22/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • TX
  • 75052
Web
This complaint is followup to the complaint of XX/XX/XXXX # XXXX-XXXX. XXXX XXXX XXXX XXXX removed the disputed information. On further investigation, I discovered Early Warnings continues to report disputed information although it was clear that the banking issues was related to actions of my ex-husband XX/XX/XXXX. I had attached the Enforcement Order in the original complaint but Early Warnings is requesting another dispute! How many years and rounds in the rings I need to endure to obtain my name back? The banking system ultizes Early Warning and this information is used to flag at risk consumers without any facts and, or evidence. I have disputed their detailed report. Their response was to state that I need to dispute every item on the list! These regulatory agents should have oversight and more importantly to protect the best interest of consumers ; treating them with respect and dignity.
08/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11520
Web
XXXX XXXX has fallen victim to identity theft orchestrated by Early Warning Services , LLC. This company has engaged in the unauthorized sharing of XXXX XXXX 's personal information with third parties, all for their own financial gain. In response to XXXX XXXX 's demand for the removal of all personal data associated with her social security number, Early Warning Services , LLC left a voice message. This message appeared to be a deliberate attempt to manipulate XXXX XXXX by falsely claiming that the removal of her information would hinder her ability to open bank accounts or acquire credit cards. This assertion is entirely false and constitutes a form of extortion, aiming to withhold consumer rights under the guise of deception. XXXX XXXX is resolute in her stance and will not be deterred, as her right to privacy remains inviolable. Please refer to the attached documents for further details.
09/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • FL
  • 33626
Web
I was a victim of a scam, they offered me a job and also they hacked my email. My first problem was with XXXX XXXX, and also then XXXX XXXX XXXX. I have the complaint submitted to the police, the evidence and everything proving that I was a victim indeed. I didn't use any money or anything. Also I can't open a bank account and have a normal life for many years now. I need to fix this. The company is giving me vague answers and no help at all. Early warning is the reason I can't have a bank account like a normal human being, it's stressing and extremely upsetting at this point. Because they never seem to help out or have real responses over the phone or by mail. I want to be able to open a bank account, I was a victim of scam and hacking more than 3 times, money was removed from my other accounts many times and also I have this heavy load of not being able to open a bank account with my family.
08/19/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • KS
  • 668XX
Web
I was selling husband 's log Splitter on XXXX, person requested setting up Zelle account for transactions and I did. Then gave him my name and phone number as his cousin was going to schedule picking it up and gave him my name and email for payment. He had my phone number for details. I received emails about payment coming through, from Zelle, but our account credit wasn't high enough for that large of payment, so the guy put in the extra {$500.00} with the understanding we'd pay him that back. Email required me to pay that to him first, I said that I'd be contacting my bank tomorrow as I didn't feel right about it. I have not lost money, but have his Zelle emails and XXXX name and the email I was supposed to use to pay on Zelle. I've screenshot all communication, too and since read the fine print for Zelle and the bank about it being for people who you know. He has too much of my information!
11/08/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75240
Web
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Also, update my personal information to my credit report. See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
08/08/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • KY
  • 41017
Web
A fraudster claimed to a puppy breeder charged and asked me to transfer XXXX $ for the puppy fee including the shipping. Transfer this amount of XX/XX/XXXX on XXXX the breeder confirms that they have registered the puppy at a shipping agency and they would ship the puppy soon. However, the shipping agency reaches out to me saying that the puppy is not in a shippable crate and can use their crate for it to be shipped out for a refundable deposit of XXXX $ transferred this amount on XXXX however the puppy never arrived. I used Zelle from XXXX mobile app, Reached to XXXX XXXX and they say Zelle is the third party and they can not help any third party transaction and Zelle says we have to contact the bank to revert the transaction. Its been a wild goose chase, either XXXX nor Zelle want to help me, all they can say is, unfortunately, we can not help in this situation Zelle case number : XXXX
04/19/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • CA
  • 94513
Web
there are two transfers that were made from my XXXX XXXX XXXXXXXX account, through Zelle, to two separate accounts. The 2 transfers were made without my authorization and without my husband 's authorization ( it came out of our joint account ). Zelle 's security system is extremely weak, how can someone access our account and still make transfers? We have already opened a complaint 3 times and they have been denied. This is absurd, disrespectful to the customer. We've been customers for 5 years and we've never opened a claim with Zelle, we've never asked for any transfers to be returned, but this time we're going to do everything possible to have the reversal because we don't authorize these transfers. I don't know how to proceed from now on because I can no longer appeal to the bank. But I want to cancel my accounts and cards as soon as possible because I don't trust XXXX and Zelle anymore.
06/02/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Old information reappears or never goes away
  • IL
  • 601XX
Web
XXXX XXXX , I contacted the agency : Early Warning Services , LLC, Attn : Consumers Services, XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX , AZ XXXX , regarding Fradulent information on their consumer report file, concerning XXXX XXXX XXXX ( now being investigated ) & XXXX XXXX XXXX Bank accounts. I showed the agency how the signature on the back fo the checks provided as proof by the bank was not my signature, and provided my signature and my current drivers license photo, as my proof. The agency still came back that the information was validated. Since XXXX XXXX , XXXX XXXX XXXX has removed the Fradulent claim from XXXX , and XXXX is currently investigate their claim. I wa nt Early Warning to Rem ove the inaccurate information from my consumer file, ASAP.

Thank you and please contact me at XXXX with any questions.

XXXX XXXX XXXX

05/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 606XX
Web
On XXXX I was denied the ability to open a Checking Account at my neighborhood Bank due to Early Warning reporting FALSELY that I opened and defaulted on a Checking Account. On XXXX XXXX I finally received the report. When I perused the report, I observed that someone was able to open this Checking Account using my name, social security number and birthdate. This unknown person also used an address in Kentucky, a phone number with an ( XXXX ) area code, which I XXXX is a Texas area code, and an email that I have never used. Note that, I currently live in XXXX where I have lived since birth. I filed a Dispute with Early Warning on XXXX and, as of today I have called several times and can't get any help from them to resolve this situation. I had a Security Freeze on all three of the Credit Bureaus at the time this Fraudulent Account was open to prior knowledge of my Identity being stolen.
03/31/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30341
Web
Early Warning XXXX has no respect for the Fair Credit Reporting Act or the laws. Early warning XXXX has admitted that they are a credit reporting agency and the FCRA clearly states a credit reporting agency can only produce a consumer report with the written permission of the consumer to whom it relates. Early warning XXXX has not provided me with any permissible purpose and without that they do not have a right to report fraudulent accounts to my consumer report. Early warning XXXX is in violation of the XXXX XXXX XXXX act which clearly states financial institutions such as early warning XXXX must provide a consumer with an opportunity to opt out of any reporting of non-public personal information. I have been a victim of identity theft and the accounts reporting from XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, and chase need to be deleted from the early warning XXXX data base immediately.
06/21/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • NY
  • 10025
Web
I used XXXX to make two payments on Friday, XX/XX/2022 through Zelle- both payments were for {$310.00}. Both payments are listed as 'processing'- neither one has been paid and I am being told that it is impossible to cancel the payment. I was told on Friday by XXXX that it would take 2 business days to process because of an OFAC investigation and that there was nothing they could do. It is now Tuesday. The payments are still showing as 'processing. ' The XXXX representative told me today that it could take up to six days. XXXX still claims they still can not cancel the transfer. They recommend I pay the person I owe the money to in a different way and then hope that person gives me back the money if an when the Zelle payment actually goes through! There is no way to speak to someone at Zelle. They claim it is up to XXXX to address the problem. XXXX claims it is out of their hands.
05/25/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • IL
  • 60614
Web
I was called by an individual calling himself " XXXX '' with XXXX XXXX. He claimed that I was past due on my final electric payment from my previous residence from a year ago and I would have to pay my balance and fees to XXXX. The number he called with was the XXXX customer service number. The total he said was {$300.00} He directed me to pay " XXXX XXXX '' via Zelle. The name and number that came up for " XXXX XXXX '' was XXXX and the number was XXXX After I sent the amount, he got very pushy and was requesting that I send another quantity, which I then realized what was happening. I hung up, he tried to call back multiple times using the actual XXXX XXXX customer service line. When I called the number back and got XXXX on the line, they confirmed that it was in fact a scam, and that I did not owe any amount of money to the company. I called my bank, XXXX, and filed a fraud claim.
08/09/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 77396
Web
I responded to a post for a concert ticket that was being sold. The person was quick to reply and sent a picture of the ticket. She asked for my form of payment which was Zelle through XXXX XXXX. I sent {$55.00} for the ticket and waited for her to transfer it. She said she was waiting for confirmation of payment from her mom who was at work. She apologized for it taking a while and thanked me for being patient. The Zelle account was under the name XXXX XXXX and the email was XXXX. I waited and after a while of not hearing back from her I sent another message, but XXXX said my message could not be sent. I clicked on her profile to find her, or I guess his, account had been suspended. Ive tried emailing the email tied to the Zelle account but get to reply. I also tried to sort it through my bank but they were unable to get my money back because a transfer through Zelle is instantaneous.
04/01/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • CA
  • 92630
Web
On XX/XX/XXXX the sender from XXXX XXXX XXXX transferred {$2500.00} via Zelle to my bank via my cell phone number ( it was sent to the correct number ) was never received. I was never notified by Zelle of the deposit, it didn't happen, and the sender was never returned the money. I realized that this deposit did not happen in XX/XX/XXXX. I missed that it was never deposited, probably due to at the time that my brother has passed away. I started prepping for taxes this year and finally noticed that it was never received to my bank account and it was never returned and credited to the sender. I have contacted my credit union and the sender has contacted her bank and we have spoken to the Zelle reps at the banks. The sender initiated a claim that was denied, and my credit union is still working on it, with no help so far. Companies involved : Zelle, XXXX XXXX XXXX, and XXXX XXXX XXXX
11/14/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 33611
Web
Someone on XXXX ( impersonating XXXX XXXX ) had messaged me consistently for a few weeks saying they wanted to buy me jewelry, they then sent me two checks on XX/XX/XXXX for {$3500.00} and another on the XXXX for {$4500.00}. They both went into my account successfully. After that they sent me a jeweler and i looked him up to find his account and was to purchase the jewlery there as a personal buy, when i sent some not all of the money to this account they deleted their accounts and the checks bounces, in which they took {$5000.00} of my money in my checking account. This was done through zelle, i contacted both XXXX XXXX and Zelle and they said they blocked this man from the bank he was using and from zelle. His phone number is ( XXXX ) XXXX, name XXXX XXXX. If they were able to confirm he committed fraud and took my money and blocked him, how are they not able to get my money back.
11/22/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • OH
  • 45840
Web
I was corresponding to my attorney via email and I did not realize that her email was hacked. Someone was impersonating her and requesting that I made payments on my account. I offered to send a check out with the full balance of my account and they said they preferred that I wire the money instead. Thinking that this was my attorney making the request, I offered to send payment through Zelle and they gave me an email of someone who I thought was an accountant at the law firm. I sent two payments through Zelle. One for {$500.00} on XX/XX/ and another for {$460.00} on XX/XX/XXXX I called my attorney to confirm the payments and she did not have any idea about the payments, she never requested that I make any payments. It was at this point that we both realized her email was hacked and I was scammed. I called my bank ( XXXX ) and they told me that they could not do anything about it.
07/01/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NV
  • 89129
Web
ON XX/XX/XXXX AT AROUND XXXX I SPOKE WITH A PERSON ON INSTAGRAM THE NAME IS XXXX I WAS TOLD THAT I CAN HAVE AN OPPORTUNITY TO MAKE MORE MONEY ALL I WOULD HAVE TO DO IS SEND A INITIAL DEPOSIT OF XXXX DOLLARS AND I CAN MAKE EXTRA MONEY. THE PERSON PROVIDE ME WITH AN EMAIL OF XXXX, WAS SCAMMED OUT OF {$300.00} DOLLARS, SENT THE MONEY THROUGH ZELLE. TO THE EMAIL. WHEN TRYING TO GET MY MONEY BACK I RECEIVED A PHONE FROM A SO-CALLED MANAGER FROM THE NUMBER XXXX, THEY ADVISED ME THAT IN ORDER TO GET MY MONEY BACK I HAD TO PAY AN ADDITIONAL {$890.00}. THEY PERSON DID NOT SAY THEIR NAME AND WAS ARGUING BACK AND WORTH THAT I HAD TO PAY {$890.00} IN ORDER TO RECEIVE A REFUND. I TOLD THEM IT WAS SEND THROUGH ZELLE SO ALL YOU HAVE TO DO IS SEND IT BACK. I SPOKE TO THE BACK TO REPORT IT, AND THEY ARE NOT ASSISTANCE ANY HELP. I WOULD LIKE MY {$300.00} DOLLARS BACK. THIS PEOPLE NEED TO BE STOPPED.
11/09/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • FL
  • 32771
Web
My XXXX XXXX account was hacked by scammer on XX/XX/23 and a fraudulent ZELLE transferred was made and not authorized by me. I received a text stating : We declined {$100.00} at XXXX XXXX, and I logged onto my XXXX XXXX account and saw the fraudulent transaction XXXX XXXX and then noticed the fraudulent, unauthorized Zelle transaction for {$4900.00}. I reported both transactions to XXXX XXXX department and XXXX opened 2 claims for the fraudulent charge and a second case for the fraudulent Zelle transaction. XXXX informed me they may not be able to recover the fraudulent Zelle transaction and it will take them 10 days to investigate even though they can see the Zelle funds were transferred to XXXX XXXX XXXX and name of the person that received the funds via Zelle. As a consumer, this doesnt sit well with me that there is no consumer protection against XXXX XXXX like Zelle XXXX!!
10/09/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • NY
  • 125XX
Web
On Friday, XX/XX/2021, at XXXX XXXX I answered a phone call at my business location, XXXX XXXX. The person had stated their name and that they worked for the electric company, XXXX XXXX, that provides my business with power. Speaking with me on the phone, he had explained to me that i was two month behind on my electric payments and if I don't pay automatically the company would come and shut it off. Considering weekends are my busiest time, I could not afford to have my power turned off, and that I needed to keep it running at all cost. The person on the phone reassured me and said he can help me set up a online mobile app that can automatically withdraw the amount needed to save my business. He walked me through a step by step process, creating this account through Zelle, that is compatible with my bank XXXX. When all was said and done, the amount was withdrawn from my account.
10/09/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • NY
  • 125XX
Web
On Friday, XX/XX/2021, at XXXX XXXX I answered a phone call at my business location, XXXX XXXX. The person had stated their name and that they worked for the electric company, XXXX XXXX, that provides my business with power. Speaking with me on the phone, he had explained to me that i was two month behind on my electric payments and if I don't pay automatically the company would come and shut it off. Considering weekends are my busiest time, I could not afford to have my power turned off, and that I needed to keep it running at all cost. The person on the phone reassured me and said he can help me set up a online mobile app that can automatically withdraw the amount needed to save my business. He walked me through a step by step process, creating this account through Zelle, that is compatible with my bank XXXX. When all was said and done, the amount was withdrawn from my account.
05/08/2018 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • MS
  • 39056
Web Servicemember
In XX/XX/XXXX I fell on difficult times financially with my employment and my XXXX XXXX XXXX was overdrawn. XXXX reported me to Early Warning Services , LLC ( EWS ) for mishandling the checking account. Since I was succumbed with debt, I filed Chapter XXXX bankruptcy in XX/XX/XXXX. This bankruptcy was discharged on XX/XX/XXXX. XXXX and EWS were both notified. The account was XXXX out on XX/XX/XXXX as a result of my initial dispute with both companies. However, EWS is still reporting negatively. This is hindering me from opening an account so I disputed once again advising that the debt was discharged by the US Bankruptcy Court and should be removed in XX/XX/XXXX. I was informed that the report is accurate and would remain on file for seven years. I disputed again in XX/XX/XXXX with same outcome. This company is not cooperative and providing inaccurate information about myself.
09/27/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • GA
  • 30080
Web
To Whom It May Concern : It has been brought to my attention that { XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX } has listed { negative listing } on my EARLY WARNING file. To my knowledge, I have never had account with { XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX } ) therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from { XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX } copies of any documentation associated with this { negative listing } which bears my signature. In the absence of such documentation, I request that { XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX } be permanently removed from my EARLY WARNING report. For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA XXXX
09/07/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 94704
Web
This individual agreed to buy something for XXXX USD from me through XXXX XXXX. I then received a mail from XXXX regarding receiving XXXX USD from him however the mail stated that I couldn't receive the amount as I didn't have a Zelle business account the way he did. He then called me and said that he would be sending XXXX USD to me and that he would want me to take a XXXX USD and return the remainder of the total he had sent as said in the mail. He did this with me twice until XXXX USD was out of my account, and I kept on receiving emails that I would have to pay him even more to be able to get the amount I was sending him and a XXXX USD more. In total, I sent him XXXX USD in two different transactions of XXXX USD each through Zelle from my XXXX XXXX XXXX Banking XXXX. His number used was ( XXXX ) XXXX, and his Zelle account id is XXXX, and his name is saved on Zelle as XXXX.
03/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Was not notified of investigation status or results
  • CA
  • XXXXX
Web
Today XX/XX/2022, I called to Early Warning Services , LLC in order to get the results of AN INVESTIGATION THAT XXXX BANK OPENED WITH THIS COMPANY. This investigation began on XX/XX/2022, and the result was set to be answered in XX/XX/2022, after one month of investigation. I called today to hear the result of the investigation opened on XX/XX/2022, and the agent XXXX, employee # XXXX told me that Early Warning Services was not going to give me any answer until I receive some envelopes that Early Warning Services sent me some weeks ago, and I returned them to the sender. This company is committing A RETALIATION CRIME against my person because I do not want to receive their UNEXPECTED MAIL. Early Warning Services is VIOLATING MY CIVIL RIGHTS rejecting to provide the answer of an investigation. This investigation is about a hard inquiry posted in my profile in a fraudulent way.
03/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Was not notified of investigation status or results
  • CA
  • XXXXX
Web
Today XX/XX/2022, I called to EARLY WARNING SERVICES , LLC, in order to get the result of AN INVESTIGATION THAT XXXX BANK OPENED WITH THIS COMPANY. This investigation began on XX/XX/2022, AND THE RESULT WAS SET TO BE ANSWERED ON XX/XX/2022, AFTER ONE MONTH OF INVESTIGATION. I called today to hear THE RESULT OF THE INVESTIGATION OPENED ON XX/XX/2022, AND THE AGENT XXXX, EMPLOYEE # XXXX TOLD ME THAT EARLY WARNING SERVICES WAS NOT GOING TO GIVE ME ANY ANSWER UNTIL I RECEIVE SOME ENVELOPES THAT EARLY WARNING SERVICES SENT ME SOME WEEKS AGO AND I RETURNED THEM TO THE SENDER. THIS COMPANY IS COMMITTING A RETALIATION CRIME AGAINST MY PERSON BECAUSE I DO NOT WANT TO RECEIVE THEIR UNEXPECTED MAILS. EARLY WARNING SERVICES IN VIOLATING MY CIVIL RIGHTS REJECTING TO PROVIDE THE ANSWER OF AN INVESTIGATION. THIS INVESTIGATION IS ABOUT A HARD INQUIRY POSTED IN MY PROFILE IN A FRAUDULENT WAY.
10/24/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other service problem
  • UT
  • XXXXX
Web
Zelle decides that its system has made me ineligible in the standalone app without giving any further explanation. Furthermore, Zelle has no provisions in their terms of service that I previously agreed to that allows them to render me ineligible to use their services especially since Zelle was unable to furnish any reason for the ineligibility claim other than that their system had determined that I was ineligible, and that there " was nothing that they could do about it. '' I have given them multiple opportunities to allow me to provide additional identification, yet they have refused. If the CFPB is unable to assist me in finding a resolution to the issue I have just identified, then it may be necessary to settle this matter by exercising my right trial by jury, as I have not entered into an arbitration agreement with Early Warning Systems, Zelle, or any of its affiliates.
11/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Investigation took more than 30 days
  • TX
  • 78109
Web
Early Warning is using deceptive to re-initiating an investigation that has a timeline start on XX/XX/2022. All corresponding are still attach to the initial dispute. Early Warning are using deceptive responses to stall the process of producing supporting documents for the dispute. Early Warning tried to contact me by phone at my request I asked at all corresponds to be mailed. I am sending another complaint with all the correspondence since the initial dispute after I was denied a banking account with XXXX from the information that Early Warning provide. Early Warning influenced XXXX decision because it is a reporting agency. Early Warning has shown throughout this dispute process to have deceptive practices as a reporting agency. My next step of action is to file a form complaint on Early warning via Texas Attorney General website per Consumer Financial Protection Bureau
05/10/2023 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • FL
  • 33177
Web
Someone hacked into the XXXX account of a friend of mine, posing as her, she asked me to transfer {$740.00} to another person, because her Zelle was limited. The alleged person had the supposed name of XXXX XXXX and requested money to send to her email address : XXXX. I have photos of the exchange of message through. XXXX, with the hacker. I called to Zelle, a representative named : XXXX, told me they can't return the money. My question, who is possible that a scammed financial transaction be reported in a USA financial institution, in this case Zelle, which is the only institution who have all the information where the money goes and they can't get the returned money? It is unacceptable and Zelle do not solve this big problem, Zelle will become a haven for hackers and scams, if so, I will make it my personal goal to report them until Zelle disappears or fix the problem.
07/18/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • KY
  • 40207
Web
decided to proceed. He pulled up XXXX pay as my method, so I tried to pay that way. I was wondering why he was reverting to other payment methods rather than what is on the product screen, but I tried it his way anyways. When that didn't work, he gave me recommendations that he uses. Once of which was Zelle. It didnt register with me yet that I would have no way of getting a refund if he didnt actually go through with shipping it, so I went ahead and completed it that way. Once it was paid for in the amount of {$440.00}, he was still responding and assured me that it would be sent. But after a couple of hours I knew that I had made a big mistake because he immediately marked the product as available again on the product page. And then the following day he stopped responding all together. 2 hours after making the purchase I filed a claim to my bank, which was denied today.
11/09/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • FL
  • XXXXX
Web
On Tuesday, XX/XX/XXXX, I received payment in the amount of {$140.00} for goods through Zelle to my XXXX XXXX mobile number. This was confirmed by a text message from Zelle directing me to a website to sign up to access the funds. I considered the transaction complete / successful. Subsequently, while attempting to sign up to access those funds, Zelle informs me my XXXX XXXX number is ineligible. Contacting both my bank XXXX XXXX ( who provide Zelle with my account ) and Zelle themselves, provide no path to resolution / access my funds. How can it be that, a payment can be sent to an ineligible number, a confirmation text message is sent to that same ineligible number, but signing up to receive those funds is impossible?!? If the number is ineligible, Zelle should have indicated that at the start of the transfer, not after it was seemingly completed and available!
10/05/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • GA
  • 30080
Web
To Whom It May Concern : It has been brought to my attention that { XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has listed { negative listing } on my Early Warning file. To my knowledge, I have never had account with { XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX } copies of any documentation associated with this { negative listing } which bears my signature. In the absence of such documentation, I request that { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX } be permanently removed from my Early Warning report. For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA XXXX
12/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 302XX
Web
Hello went to court for XXXX XXXX where I was XXXX and my XXXX I changed my name and to protect myself from my abuses. My first last and middle name was changed. my social security number and birthday stayed the same. My new name was added to public record by a person without authorization. I went to use my new credentials and they were added to my old name with out my permission. My phones and emails and banking was compromised in the past by my XXXX. this is how he would locate me. A person in the banking institution at his request put me social in and she added my new name to a database as an extension of his abuse. In the past her put me in a position where I could not live independent upon him. He damaged my privileges with every credit institution I can think of. Now this institution have my new name attached to old records which I didn't authorize please help.
10/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • NY
  • 11217
Web Servicemember
My account with XXXXXXXX XXXX was restricted after I made a deposit into my accounts because of Early Warning services LLC. I was told to call them to resolve the issue, they arent open on weekends which is ridiculous and on weekdays they open at XXXX est which is late for something of this nature, once getting in contact with them they didnt help with anything except offering my credit report to dispute discrepancies if found. They offered to email it to me as a faster option then proceeded to tell me that even the email will take 1-15 business days WHICH IS RIDICULOUS. What is the point of an EMAIL option if it takes the same time as regular mail? Overall this is ridiculous and not helpful because my money is now locked away in a restricted account! Now while trying to get a clearer understanding of what actually is happening XXXX XXXX has had me on hold for a hour!
08/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • AZ
  • 85201
Web
XXXX XXXX inaccurately reported information to a Consumer Financial Protection Bureau called Early Warning ( Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX : ( XXXX ) XXXX ). XXXX XXXX wrongfully reported that I committed banking fraud when I have never written a bad check, nor have I ever conducted any unlawful or illegal activity with any bank. I reached out to XXXX XXXX XXXX quality assurance department on XX/XX/20 by calling XXXX. I spoke to XXXX who aggressively attacked me. She made a very racist joke about the political organization, Black Lives Matter. She stated " well all bank accounts matter '' when I asked for a supervisor. XXXX XXXX has a long history of racism and hostility toward their clients and hit is very well documented online. I will list a few links in this complaint : ( XXXX XXXX XXXX XXXX & XXXX & XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX )
09/22/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • WI
  • 549XX
Web
I booked a vacation home through people named XXXX XXXX and XXXX XXXX on XX/XX/2020 for {$1700.00} and it ended up being a total scam. I had numerous email conversions with this person and i even looked up the property and it does belong to XXXX XXXX. After I did not get a response back a few days before our vacation was supposed to start, I started researching and found XXXX XXXX on XXXX. She had told me that i was involved in a scam. I did a money transfer through Zelle through XXXX XXXX and this payment was sent to XXXX XXXX at XXXX XXXX. I opened up an investigation with them and they said there was nothing they could do. I also have a police report open under incident number XXXX with the XXXX Police Department. There is also a police report open with the XXXX county police under XXXX from a guy named XXXX who we found out also got scammed by the same person.
04/18/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • GA
  • 30096
Web
XXXX XXXX XXXXXXXX still reporting to Early Warning that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts, but is also affecting me in trying to open accounts at local banks and has caused my existing bank to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an checking account is because of what's being reported to Early Warning. This is literally the example of holding my banking privileges hostage and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.
05/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60107
Web
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exist 15 U.S. Code 1681i - Procedure in case of disputed accuracy Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
03/17/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 95966
Web
On XX/XX/2023 my mobile banking app was hacked. There was a fraudulent deposit followed by a {$400.00} Zelle transfer out of my account. I immediately contacted my bank on XX/XX/2023 after I first noticed the fraudulent activity. They submitted the XXXX fraud claims XXXX for the deposit with the bank and XXXX for the money transfer through Zelle. The deposit was fixed after the bank declared the deposit fraudulent and they removed the amount deposited from my account, without first resolving the Zelle, leaving my account in the negative. A few days later Zelle denied the fraud claim saying it did not appear to be fraud to them leaving me, a XXXX XXXX XXXX having to pay off {$400.00} dollars that I didn't spend or get. XXXX XXXX then claimed that Zelle is a third party provider leaving it out of their hands even though they actually own a 7th of the Zelle company.
12/06/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • GA
  • 30080
Web
I attempted to purchase tickets to a football game in XXXX, Georgia via XXXX ( XXXX XXXX XXXX ). The person made me feel comfortable enough after 5 minutes of conversation to transmit money electronically. They asked that I use Zelle, which I knew my bank ( XXXX ) offered as a service. That made me feel comfortable enough that, even if it was fraud, a service like Zelle and a bank as big as XXXX would protect me. I transferred {$600.00} to XXXX. When I got an email that the transaction cleared, the person hung up, I called back a dozen times and got no response. A scam. My bank ( XXXX ) says that Zelle can not do anything because I chose to transmit the money. However, XXXX will allow me to dispute the charge now, but I must wait until the transaction clears. XXXX is scams only to me now, I will never use it again and it was once a very novel and useful tool.
07/27/2021 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • NM
  • 87106
Web
I was following up on a rental in XXXX New Mexico within XXXX XXXX. He essentially told me that he would let me move in to his home XXXX XXXX XXXXXXXX XXXX when I paid deposit and first month 's rent which came to the total of XXXX afterwards XXXX then proceeded to tell me that his attorney who was unnamed at the time required him to acquire of me to pay 3 months rent or 2 months rent I agree to pay 2 months rent and I paid him on zelle a money transferring app through my bank. XXXX said that this was okay and said that my keys would be delivered after I had paid set amount but once I paid the amount I was blocked and disconnected with any conversation from XXXX. Through the entire situation XXXXXXXX XXXX had me send money to many different numbers. He had me ( through zelle ) send XXXX $ 3 times 2 times to one XXXX XXXX XXXX and another time to a XXXX XXXX XXXX
04/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • SC
  • 290XX
Web
EARLY WARNING SERVICES FAILED TO DISPUTE THE INFORMATION THAT WAS REQUIRED OF THEM TO DISPUTE ONCE NOTIFIED ABOUT THE ERROR EXISTING ON MY CONSUMER REPORT CONCERNING FINANCIAL INSTITUTIONS BANKING HISTORY. THEY STATED THAT THE CONSUMER REPORT COULD HAVE BEEN INVOLVED WITH IDENTITY THEFT BUT NOT THEIR COMPANY. EARLY WARNING SERVICES HAVE OBTAINED MY INFORMATION WITHOUT CONSENT FROM ME. EARLY WARNING SERVICES FAILED TO PROVIDE THE CONTRACT BETWEEN THEIR CORPORATION AND I. EARLY WARNING SERVICES FURNISH INFORMATION FROM BANKING INDUSTRIES UNDER MY INFORMATION WHICH I DID NOT HAVE ANY KNOWN KNOWLEDGE OF NOR HAVE I EVER CONTRACTED WITH EARLY WARNING SERVICES OR GAVE THEM PERMISSION TO USE MY INFORMATION. EARLY WARNING SERVICES IS A THIRD-PARTY SERVICING AGENT REPORTING FOR FINANCIAL INSTITUTIONS THAT I HAVE NEVER BEEN A PARTY OF NEVER HAVE I EVER DONE BUSINESS WITH.
04/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Personal information incorrect
  • MI
  • 481XX
Web
On XX/XX/2020, I was opening a bank account at XXXX XXXX XXXX XXXX in XXXX XXXX, MI, I was told a background check on me through Early Warning Services LLC ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX, XXXX ) stated that my social security number was issued prior to my date of birth. This is not correct as my father applied for my social security number after I was born. I provided a copy of the original social security card to the bank and they accepted it as valid. I contacted Early Warning Services to have this inaccurate information removed from my file and they denied my request. The person I spoke with, XXXX, kept telling me that they provide bank history to banks and denied that Early Warning Service had provided this information to XXXX XXXXf XXXX XXXX. XXXX would not allow me to speak with anyone else at Early Warning Services to resolve the issue.
03/07/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • CA
  • 95945
Web
To whom this may concern, I have requested my Early Warning, consumer file multiple times via phone and letter, yet I have not receive a copy of my report and have had suspicious activity ongoing in my other consumer files and believe identity theft is ongoing. I am requesting that Early Warning provide me with a copy of my consumer file and please have it shipped via a trackable postal method to XXXX XXXX XXXX, XXXX XXXX, California, XXXX, USA. ( I have had lots of missing or stolen mail and this requires the use of trackable mail to avoid the document being stolen or lost and exposing more sensitive information. ) For the purposes of fulfilling this request, here is my personal information : Full Name : XXXX XXXX XXXX DOB : XXXX Phone : XXXX SSN : XXXX California DL # : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, California, XXXX, USA. Passport Number : XXXX
11/20/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 92019
Web
On XX/XX/23 I was shopping for a new phone and responded to a seller on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXsince been removed ) After negotiating the price, the Seller created a XXXX tracking label ( XXXX ) and asked me to Zelle payment to " XXXX XXXX using the phone number XXXX. After 24 hours, Seller reported never receiving payment even after I provided proof from my bank. The seller then accused me of scamming them, removed the listing, and never returned my payment. I have asked my bank to reverse the payment or contact information of the seller so I can pursue legal action against the individual. I have also filed a complaint with & against Zelle directly, with no response. My Bank ( XXXX ) denied my refund, stating " The transaction was completed successfully ''. Right now, {$650.00} has been stolen from me and I have no recourse against the thief!
07/26/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11375
Web
Someone called me on XX/XX/29 and pretended to be a XXXX customer service, who alleged that she could help me to fix my account. She asked me to install a software XXXX ( if I remember correctly ) to control my computer. And then she kept taking out money out of my bank accounts and saying this is for verification and would give the money back to me. She also helped fix my XXXX bank account. Luckily two days later I realized this was a scam. I called the two banks to stop my payments. The XXXX bank could stop the payment in time but it was too late for the XXXX account. I'm now in the process of disputing with the two banks and have got most of my money back. But for the {$500.00} through zelle in XXXX, I failed to get it back. The XXXX bank considered the money was authorized to pay but the fact is because my computer was totally controlled by the hacker.
07/29/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • GA
  • 30815
Web Servicemember
XXXX XXXX XXXX This individual claimed to have XXXX XXXX puppies of XXXX XXXX. He asked for {$600.00} then proceeded to ask for money via gift cards for vet bills. I was supposed to pick up the puppy. However, yesterday and today, Sat XX/XX/2023, something went wrong to affect the pickup of the puppy. The deposits of {$300.00} were " fully refundable ''. I wired the funds to an XXXX XXXX. XXXX, his " accountant ''. First Installment : {$300.00} - XXXX XXXX XXXX ; Attn : XXXX XXXX XXXX Second Installment : {$300.00} - XXXX XXXX XXXX ; Attn : XXXX XXXX XXXX Final Installment : {$300.00} -XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX I had originally intended to purchase two puppies, XXXX XXXX XXXX XXXX. However, my sister-in-law changed her mind at the time. I was going to use this animal as a replacement XXXX animal for my XXXX animal who passed a month ago.
07/01/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • DC
  • 20009
Web
I got a transfer on XX/XX/XXXX for {$120.00}. The person sent me a screenshot with a confirmation number. I never got the funds in my account. I called Zelle and the agent told me that there was nothing he could do and advised me to call my bank. My bank has been trying to help me for over two months to get the funds without any success. Zelle says that they can see the order number but that the funds never left the senders account and they dont know why, and will not provide a solution. This is absolutely outrageous. Zelle is a service that should work as promised and if there is a confirmation of the transfer : 1. the transfer should happen ; 2. They should not wash their hands and make the costumer and the bank chase a transaction they cant view ; 3. Reply saying that something wrong must have happened and not offer any steps forward to make it right.
07/22/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NY
  • 11420
Web
I was scammed by someone posing as a XXXX worker offering me a job opportunity. What happened was a check was sent to me containing {$3500.00}, XX/XX/XXXX I deposited it using my XXXX mobile app and a few hours later, the funds were available to me. The scammer then had me send {$3000.00} of the funds to a " foster home '' through zelle and XXXX using bitcoin. {$2000.00} went to Zelle, and {$1000.00} went to XXXX. Then the check ended up being fraudulent, so the money was returned, resulting in my account having a value of - {$3000.00}. I contacted my bank and met with a representative, who then froze my account and told me to wait for 7-30 days so they can try to get the money back from XXXX. However, they stated that they can't take any action against getting money back from Zelle. I would likely need to pay it off myself once they unfreeze my account.
01/03/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 33442
Web Older American
Today XXXX XXXX, I received a call from XXXX ( which I found out too late that it was a scam ) at XXXX call came from XXXX. The person on the other end told me that I was passed due on my light bill and this was their last attempt to contact me before they shut off my power. They told me that they needed {$330.00} today in order to keep my lights on and that XXXX had sent out a letter that needed to be filled out because they have a new way of processing now by using Zelle. ( I'm such a fool ). I sent the {$330.00} and then they proceeded to tell me that because I was delinquent that I needed to put down a {$500.00} deposit and will be reimbursed in 90 days as long as I stay current on my bill. They gave me a confirmation number and a phone number to send it to... XXXX. I just had a XXXX XXXXXXXX XXXX and I was on medication and was not thinking clearly.
01/03/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 33442
Web Older American
Today XXXX XXXX, I received a call from XXXX ( which I found out too late that it was a scam ) at XXXX call came from XXXX. The person on the other end told me that I was passed due on my light bill and this was their last attempt to contact me before they shut off my power. They told me that they needed {$330.00} today in order to keep my lights on and that XXXX had sent out a letter that needed to be filled out because they have a new way of processing now by using Zelle. ( I'm such a fool ). I sent the {$330.00} and then they proceeded to tell me that because I was delinquent that I needed to put down a {$500.00} deposit and will be reimbursed in 90 days as long as I stay current on my bill. They gave me a confirmation number and a phone number to send it to... XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
04/18/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • GA
  • 30096
Web
XXXX XXXX still reporting to Early Warning that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts, but is also affecting me in trying to open accounts at local banks and has caused my existing bank to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an checking account is because of what's being reported to Early Warning. This is literally the example of holding my banking privileges XXXX and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.
04/18/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • GA
  • 30096
Web
XXXX XXXX still reporting to Early Warning that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts, but is also affecting me in trying to open accounts at local banks and has caused my existing bank to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an checking account is because of what's being reported to Early Warning. This is literally the example of holding my banking privileges XXXX and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.
04/18/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • GA
  • 30096
Web
XXXX Bank still reporting to Early Warning that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts, but is also affecting me in trying to open accounts at local banks and has caused my existing bank to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an checking account is because of what's being reported to Early Warning. This is literally the example of holding my banking privileges XXXX and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.
03/29/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • MN
  • XXXXX
Web
I am writing to you because I recently experienced digital fraud via a Zelle money transfer for the amount of {$3500.00}. I did not authorize this transaction and have contacted my bank in order to dispute it. Unfortunately, the bank denied my dispute and is holding me responsible for it. the money transferred from my account on XX/XX/2023 i found out the following day and report it to the bank on XX/XX/2023 claim number XXXX XXXX XXXX XXXX XXXX the money transferred to this person XXXX I am hoping that you can help me resolve this issue as soon as possible. I understand that this was an unauthorized transaction and should not be held liable for any damages incurred by it. Please let me know if there is any way that you can help me in this situation. I would greatly appreciate your assistance in this matter. Thank you for your time and consideration,
04/18/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • GA
  • 30096
Web
XXXX still reporting to Early Warning that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts, but is also affecting me in trying to open accounts at local banks and has caused my existing bank to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an checking account is because of what's being reported to Early Warning. This is literally the example of holding my banking privileges hostage and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.
09/06/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 75089
Web
On XXXX XXXX I sent {$400.00} through ZELLE. ( My financial institution is XXXX XXXX ). It was a scam with zelle recipient XXXX. name is XXXX XXXX. It was a down payment for a XXXX XXXX. I drove 3 1/2 hours to pick up the puppy & the house is vacant and no puppy! I notified XXXX XXXX & they sent a letter to me that there's nothing they can do? XXXX XXXX did say they let Zelle know about this scam, but with everyone trusting Zelle ( I thought, ) because it's backed by our bank. The verbiage is not clear! I don't feel this is fair for anyone that works hard for every dollar & a law abiding citizen to trust a Zelle and XXXX XXXX together site to just let this happen and let the criminals get off like this & all I get is " we can't do anything. '' This is crazy! I really need my money returned. I need your help, please pass this to Zelle & XXXX XXXX.
03/27/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • OR
  • 972XX
Web
I was selling concert tickets and this man offered to buy them. We agreed on using the Zelle app thru our banks. I received an email from a fake Zelle account that he created asking me to pay the {$300.00} fee b/c I didn't have a business account and it was for security reasons. And that I would be reimbursed for the amount of the tickets plus {$300.00}. He had me send it to a " Zelle '' agent at XXXX. The " agents '' name was XXXX XXXX. I did this before realizing that I was being scammed. He then sent me another e mail from the fake Zelle account telling me I had to pay a {$500.00} certificate fee. I didn't and reached out to my bank. They had me delete him from my Zelle and change my password. He is still trying today to get me to send the {$500.00} via XXXX XXXX and fake e mails to the same phone number associated with his real Zelle account.
08/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • PA
  • XXXXX
Web
XXXX XXXX XXXX Is furnishing data that is preventing me from being able to open up a checkings account with banking institutions. I spoke with a representative on Monday XX/XX/2023 around XXXX. I asked the representative how can I remove the inaccurate information that is listed on the consumer report ; I was told that I can not have any of that information removed because it is verified information. I was never contacted prior to the information being furnished on the consumer report neither was I informed about the information listed about me. The FCRA requires that investigations be completed within 30 calendar days. Under section 312, it requires that information furnishers including banks, and credit unions provide accurate and complete data to consumer reporting agencies, any failure to comply with these provisions constitutes federal law.
01/25/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 94530
Web
I was involved in a rental scam. I contacted a person off of XXXX who was advertising an apartment for rent ( XXXX XXXX XXXX XXXX XXXX, NJ XXXX ). They requested first month 's rent and a security deposit totalling {$2600.00} in order to secure the apartment which I transferred them the money with Zelle pay XX/XX/XXXX and XX/XX/XXXX. However, a few days later, they changed the terms and said in order for me to get the lease I would have to pay up front for the first 3 months. After some back and forth it was clear they were not intending to rent me the unit, and I demanded my full deposit back. They have not given me any of the deposit back. I contacted Zelle on XX/XX/XXXX to dispute the fraudulent charges and they would not reverse the transaction. I contacted XXXXXXXX XXXX on XX/XX/XXXX and they too said they were unable to reverse changes.
12/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Investigation took more than 30 days
  • AZ
  • 85208
Web
The FCRA requires Early Warning to respond to disputes within 30 days of receiving the dispute letters for customers outside of Maine. I sent a dispute letter to Early Warning on XX/XX/XXXX. However, Early Warning did not respond to my dispute even after 30 day. Early Warning only responded to me on XX/XX/XXXX, to only one of the accounts that was included in the dispute letter and ignored the others. Therefore, I request that the information disputed be removed from my report according to the Fair Credit Reporting Act for failure to respond within the lawful timeframe required. 15 U.S.C. 1681s-2 Please remove : XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX Please remove : XXXX XXXX XXXX XXXX Please remove the inquiries that were fraudulently included into my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
02/08/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 923XX
Web
I Had an account with my son and they charged off my account for {$41.00} for Overdraft, I got a class action suit for overdraft fees that they reimbursed me, Also, they didn't send the information to the correct address I was unaware of this charge I tried to update and get a new checking account because of the overdraft they will not remove from XXXX XXXX as they added these charges later then charged off my account. I had paid money to the bank in XX/XX/XXXX and these charges were added later without my knowledge and is now affecting my consumer report for five yeas. I need this updated and removed as their should be no overdraft or extended fees by XXXX XXXX XXXX. I had two accounts with them after this and they never told me of this just sent it to XXXX XXXX. I spent an hour and a half with XXXX XXXX XXXX and they wont remove the charge.
09/25/2016 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account terms
  • CA
  • 95945
Web
To whom this may concern, This is a follow up to my previous letter sent on XX/XX/2016 that has not received a response. I have become suspicious that there is incorrect and outdating information on my Early Warning Services file as a result of identity theft. Please provide me with digital copies of my report and further be advised that I have been living outside the country for the past 3 years and have not used a US bank account. I believe my identity may have been stolen by an opportunistic individual with access to my information and knowledge that I am outside of the US. Therefore, I also submit a formal dispute to delete all records submitted to my file within the past 3 years as they are most certainly the result of identity theft. I have attached the necessary information to verify my identity. Sincerely Yours, XXXX XXXX XXXX
05/20/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MO
  • 631XX
Web
On XX/XX/19 at XXXX XXXX C.T., I contacted a seller on XXXX about hockey tickets. After the scammer texted me photos of their " proof of purchase '' they wanted to use Zelle to get money for tickets and they would send tickets via XXXX. The scammer provided a name, XXXX XXXX, email address of XXXX and number : XXXX. I have a XXXX XXXX account and the scammer noted that they use XXXX XXXX XXXX. I read through the Zelle 's fraud description, and to Zelle it is only your ( consumer ) fault for sending money, but they do not actively work on preventing scammers from using their service. I have contacted Zelle regarding issue, including the above details so that they can close the scammer 's account and prevent another person being defrauded, but they need to actually help to protect consumers from the many scammers that love Zelle 's service.
11/11/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • PA
  • 19382
Web
I was selling furniture over XXXX in XXXX. This person became interested in purchasing the item for {$100.00} and wanted to send the money over Zelle. I accepted since I had used Zelle in the past. The person claimed that the system did not allow to send {$100.00} since the account was not business and that the minimum transfer be {$500.00}. So the person asked if he/she could send {$500.00} and that I can send the person {$400.00} as long as I can be trusted. I agreed and proceeded. Unfortunately I sent the person {$400.00} before receiving {$500.00}. I did not receive {$500.00} yet {$400.00} I sent went through. At that point I realized that I was scammed and could not stop the transaction since it takes place instantaneously. I filed complaint with my bank and Zelle but I do not think they care to resolve the issue and I lost {$400.00}.
10/04/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • FL
  • 33186
Web Servicemember
On XX/XX/XXXX I receive a call regarding a friends refund, I proceed to call my friend to verify and my friend response was yes, I continue with the call and the scammers download an app called any desk in which they get into my phone and thru cashapp they started to make transactions with my contacts they didnt succeed and then went to zelle and made a money transfer under my name with a different email address from my chase account, the amount was {$2.00} I tried to stop it but it was too late. I turned off my phone and immediately call chase to report. I did a follow up and XXXX said that they will not refund any money and that I have to wait for zelle to respond. At this point I dont know what to do. Can you help me with this issue? Thanks. This is the email which the scammers used XXXX And the phone number they use XXXX ( XXXX ) XXXX
10/23/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • IL
  • 60060
Web
My phone number XXXX was used to receive money by another person using Zelle. Zelle refuses to give me any information on the person or bank with which my number was registered to receive payments sent to me. XXXX XXXX ( where I bank ) also refuses to open a claim due to the fact that no money was sent from my account. I have requested Zelle to unregister MY phone number with that person and the bank, but they have refused to do so stating that probably this number was registered with them before I had it and therefore it is totally legitimate. As a result I have not received {$1200.00} sent to me and I can not get any information to start the process of reclaiming the money. I am also not able to use my phone number securely in the future since as I now know somebody else has this numbers as his/hers and it is used for banking.
09/11/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77433
Web
Words can not explain how frustrated I am with EARLY WARNING SERVICES! The response that I received from the company is ridiculous! All that I received is an automatic response to my complaint stating " that the fraudulent account was verified ''. Still I have no type of original proof of contract signed between XXXX XXXX and me! or any type of paperwork! EARLY WARNING SERVICES is most definitely breaking the law ( FCRA ). I feel as though they are taking advantage of hardworking citizens such as myself who try their hardest to keep their credit report clean! by continuing to report inaccurate information on my credit file, and tarnishing my name, harming my credit worthiness and adversely affecting me as a person I will take take further litigation action if this company does not Freeze my credit file and remove these fraudulent accounts!
09/12/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 77407
Web
Early Warnings is reporting a XXXX XXXX XXXX bank account that states that I interacted with the account in an unauthorized or prohibited manor. There was fraudulent activity on my account, my wallet was stolen and it was not me who interacted with this account. I sent the police report to early warnings but they claim that there is no new information about this account. In XX/XX/XXXX and XX/XX/XXXX, I sent a letter asking the method of verification used to obtain the results of their investigations. Both times, they have failed to provide me with the requested information. I have also attempted to reach the bank by sending a letter to the address provided by Early Warnings and I have not received any response from XXXX XXXX XXXX. I have attached all documentation received and sent to Ealy Warnings, including a copy of the police report.
08/24/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TN
  • 37207
Web
E arly Warning continues to list an account I had with XXXX XXXX XXXX as fraud-related. I 've attempted numerous times to have this negative listing removed to no avail. I 've initiated disputes with Early Warning and XXXX XXXX XXXX and both have refused to remove the inaccurate listing. There is no evidence of a debt owed and no evidence of fraudulent activity. I 've contacted XXXX XXXX XXXX and they have either refused to provide any documentation or they are unable to provide documentation proving the claim or the accuracy of the negative item. The listing remains inaccurate, incomplete and not verified. My last communication with Early Warning was on XXXX XXXX 2017, in which I requested removal of the XXXX XXXX XXXX account. To date, this negative listing is still on my consumer report and is severely impacting my banking abilities.
04/27/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • CT
  • 067XX
Web
XX/XX/2022 I was sent my comprehensive report, it says my account score is a XXXX, safe enough to open a account now Im receiving emails saying from XXXX XXXX saying I can not open a account because my score is to high risk, whoever I just mentioned its a XXXX which would be perfectly fine and I took a look now its XXXX which puts me back at risk and for what reason? Im being unjustly miss treated and feel as if no one can help me I get referred to early warning then I get referred back to capital one nobody gives me answers nor helps they simply feel like not assisting me and false information is constantly being placed on my comprehensive report. Why would the score jump and change within a span of few months? I being barred from creating a account and its damaging my banking history because of the courtesy of early warning services.
07/09/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • FL
  • 33823
Web
XX/XX/2019 I have an open dispute claim XXXX and reference XXXX regarding two transactions XX/XX/19 XXXX*XXXX XXXXXXXX Visa XXXX US Posted on XX/XX/2019 at XXXX Memo : Debit : Signature purchase from XXXX XXXX*XXXX XXXX Visa XXXX US {$490.00} XX/XX/XXXX XXXX*XXXX XXXX Visa XXXX US Posted on XX/XX/2019 at XXXX Memo : Debit : Signature purchase from XXXX XXXX*XXXX XXXX Visa XXXX Us {$490.00} My account has been compromised and these are unauthorized fraudulent charges. I have contacted the company Zelle case XXXX and there were able to verify that these charges were not initiated by me or from my account. All of the transaction details will be provided to my financial institution. I have mobile alerts set up and received no notice about these transactions. I have since deactivated any association with Zelle and cancelled my card.
04/27/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • NY
  • 14450
Web
I called Zelle today to link up a new bank account with Zelle. The person I talked to said he couldn't because my chime and my XXXX accounts had been hacked. He then asked for access to my phone and said he was trying to catch the hackers. However, at the end of the time on the phone ... about an hour... I did not know what he was doing but the XXXX that was in XXXX and the XXXX that was in my XXXX were gone and every effort I made to ask Zelle to refund the money, I was either hung up on ( about 5 times ) or I was told to do some weird bitcoin transaction to get my money back which I refused to do! The first person I spoke to was named XXXX or XXXX and then I spoke to a XXXX XXXX who then did nothing to help me. I have reported this theft to XXXX and XXXX but I am out the money in the interim. Please investigate this scam!
02/19/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 349XX
Web Servicemember
A party on XXXX purchased an item and added shipping cost and paid via an electronic check. They paid with an electronic check in the amount of {$1300.00} on XX/XX/22. I was to pay the shipper directly, since the buyer was not going to be present. They indicated that they were donating the item to charity. I deposited the check for {$1300.00} into my XXXX account the same day. I was advised via XXXX XXXX to pay the shipper before they could pick up the item. I then paid the shipper {$1000.00} from my personal checking account funds via Zelle. My bank subsequently notified me XX/XX/22 that the check that I was provided in the amount of {$1300.00} was a fraudulent check. XXXX then reversed the deposited amount of {$1300.00}. I am now out {$1000.00}. I am a single mother of XXXX on maternity leave without pay. Please help.
03/29/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • 114XX
Web
On XX/XX/XXXX my attorney was a victim of identity theft and someone hacked into her email. I reached out to her through email concerning my retainer fee. " She '' responded saying I can send her the retainer fee through Zelle with my XXXX checking account to her accounting clerk XXXX XXXX XXXX " The Hacker '' ). I sent {$2200.00} through XXXX XXXX Zelle. {$1000.00} on XX/XX/XXXX and {$1200.00} on XX/XX/XXXX. I had to switch attorneys as of XX/XX/XXXX because my attorney had become a supreme court judge. In the process of closing her law practice she was going through her emails to make sure there were no loose ends that's when she noticed the interaction I had with her hacker and the money I sent over to her but in reality her hacker. I reached out to XXXX and they there is nothing they can do because Zelle is not their company.
03/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30341
Web
Hello, my name is XXXX XXXX XXXX XXXX. It has come to my attention that Early Warning Systems has fraudulent information in their database attached to my social security number that is causing me financial harm. There are accounts from XXXX XXXX XXXXXXXX, XXXX XXXXk, XXXX XXXX, and XXXX that were fraudulently opened without my consent. These accounts are now showing on a database that Early Warning Systems maintains without ever having my written consent. This is a direct violation of the Gramm Leech Bliley Act which states a financial institution must have written consent from a consumer to use or report any personal non-public information. I have never entered into any agreements with Early Warning Systems nor was I given full disclosure or any opportunity to opt out of them using or sharing my personal non-public information.
08/12/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NC
  • 27604
Web
A buyer contacted a seller requesting to buy the item and pay using Zelle. They asked for my email address to send the payment. But the buyer did not send payment. Instead, the buyer sent a fake email to me that appeared to be from Zelle. The email alleged that the buyer paid using a Zelle business account and that I must also upgrade to a Zelle business account to receive payment for a fee of a few hundred dollars. The buyer then contacted me directly, claiming that they received the same email from Zelle and then sent me enough money to cover the purchase and the upgrade fee. Then they asked to be reimbursed for the upgrade fee. They provided fake screen captures and documentation as proof of payment to get me to send the refund and explained that my funds would be pending and thats why i wouldnt get a receipt of payment.
05/22/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • GA
  • 30052
Web
On XX/XX/2019 I was expecting money to be deposited in my bank account My email address XXXX from Zelle informed the money will be deposited to a XXXX XXXX account which I DID not have a XXXX XXXX account. The senders sent the money through Zelle. I received an email from Zelle that XX/XX/2019 XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) sent money will be deposited in XXXX XXXX account. The problem is I do not have a XXXX XXXX account. I have an online XXXX XXXX account. I contacted Zelle and someone informed me that XXXX XXXX has a link to my email. I informed Zelle that I do not have a XXXX XXXX. The money that was sent from the two individuals was sent to a XXXX XXXX account that I do not have. My email address XXXX XXXX XXXX is being used by someone name XXXX with the last account number XXXX from XXXX XXXX who I do not know.
01/03/2023 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • OH
  • 448XX
Web
I found a women on XXXX who claimed to have puppies. I paid a {$350.00} deposit on one in order to secure it on XX/XX/XXXX. On Monday XX/XX/XXXX, She reached out saying that her husbands father-in-law passed away and she would have to have the dog shipped to me. However, I needed to pay the remainder before she could ship. This is when I got red flags. I asked for the refund I was promised in conversation prior and never received a response. We reached out to Zelle and they asked us to report it, which I did, but we would have to contact the bank to dispute the charges. I then called XXXX XXXX and they said because Zelle is " same as cash '' if the transaction had processed then they wouldn't be able to refund me the money. We believe we know who the person is based on a basic email search and connected social media accounts.
06/19/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 77365
Web
XX/XX/2023 : I was a victim of a XXXX scam. The scammer posed as one of my friends from high school and created a XXXX XXXX. The XXXX posted stated that he received a promotion and therefore is selling furniture and other items. I inquired about an item that was for sale and we agreed Id purchase these items for a deposit of {$350.00}. I sent the {$350.00} through Zelle on my XXXX XXXX XXXXXXXX XXXX app to who I believed was my friends wife. Shortly after sending that money I read comments from mutual friends under the original post and realized I was a victim of a scam. I felt used and so sick to my stomach. I was taken advantage of. I immediately called my bank to report the incident and take the next steps to get my money back. I also did my best to protect others from this scammer by reporting the zelle recipients email.
07/15/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NC
  • 27205
Web
Im reaching out to u hoping u can help me on XX/XX/XXXX th of this yr I was a victim of a scam, yes I made a mistake and yes I was naive I looked on XXXX XXXX for a dog I found one and contacted the seller, oh he played his role well and I fell for it hook line and sinker, the dog was XXXX he told me to go through XXXX to send the money and I did he said the puppy will be shipped and it was free shipping like I said I was naive and I thought everything was ok, well when he got the money I got a email from the dog delivery service that I needed to pay XXXX to ship the dog in a climate control crate I thought all my XXXX I have been scammed well u can probably figure the rest I couldnt get a hold of the ph no that came on my ph was XXXX Maryland I so need my money back if there is any way u can help me I will dearly appreciate
10/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30106
Web
The following accounts I did not authorize them to be opened, and would like them removed from my Early Warning consumer report. I have disputed them previously, and would like validation of the ownership if they can not be removed. Also, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX will need to provide its verification process, in detail, as well ; rather than just responding with unsupported statements. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/19/2023 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • TX
  • 77365
Web
XX/XX/2023 : I was a victim of a XXXX scam. The scammer posed as XXXX of my friends from high school and created a XXXX post. The XXXX posted stated that he received a promotion and therefore is selling furniture and other items. I inquired about an item that was for sale and we agreed Id purchase these items for a deposit of {$350.00}. I sent the {$350.00} through Zelle on my XXXX XXXX XXXX mobile app to who I believed was my friends wife. Shortly after sending that money I read comments from mutual friends under the original post and realized I was a victim of a scam. I felt used and so sick to my stomach. I was taken advantage of. I immediately called my bank to report the incident and take the next steps to get my money back. I also did my best to protect others from this scammer by reporting the zelle recipients email.
10/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • NV
  • 89032
Web
Back in XXXX of XXXX, I was a victim of Idenitity theft, I filed a police report when I disovered there were fraudulent accounts being opened under my name 11 to be exact, by XXXX XXXX XXXX, The items and accounts are being reporting on Early Warning Services LLC, I have Filed Several disputes with them to only have them remove everything but the following 11 XXXX XXXX accounts. I recently was able to place a block on the Early Warning Services Report, and I also filed a report with the FTC all the documents I will have attached, I have attempted to dispute this directly with the bank I have been given the run around since XXXX, This is hindering my life as I am a victim of my idenitity being stolen, I can not currently open any accounts until this is resolved and removed from EWS. This is hindering my buisness.and my life.
02/12/2018 Yes
  • Checking or savings account
  • Other banking product or service
  • Opening an account
  • Confusing or missing disclosures
  • OK
  • 73107
Web
I have a profile with XXXX app through XXXX ( XXXX ). Not sure what's the password. I contacted XXXX CS todayXX/XX/XXXXand they requested me the last 3 digits on back the card. I provided it to them but they sad it's invalid, of course, because XXXX has been replaced my card. The representative said I have to contact XXXX to provide me the last 3 digits of the old card. I don't need to say XXXX CS said it's insane nobody stored old information due to security. It's ok so I enrolled in XXXX using XXXX but I never get a password for, I requested reset password on the app and said the account has been locked. I contacted the XXXX CS again and they said my personal information 3 digits back of card and zip code doesn't match with XXXX information. Which is not true I have all my profile open on my side.Very complicate XXXX CS.
03/22/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • GA
  • 30068
Web
XXXX XXXX ruined my credit by reporting me to a XXXX XXXX agency falsely stating that I was Transacting ( or attempting ) to transact ) with an account in an unauthorized or prohibited manner. XXXX took a verbal statement from my disgruntle ex-husband as a fact and reported me to the credit agency without verifying or giving me the opportunity to defend the allegation. After 6 letters I have sent to XXXX XXXX they can not explain logically why XXXX did it but they did it but they refuse to remove the false statement from my credit records. This has caused that I can't get any credit with any agency as well as any bank. My Checking and Savings accounts were closed due to XXXX XXXX actions. XXXX has clearly committed defamation against my name and therefore against my credit which caused me tremendous financial harm.
11/03/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • AZ
  • 85326
Web
On XXXX, a person who goes by the name of XXXX scammed me out of {$120.00} for music festival passes on XX/XX/2019. The event was called XXXX XXXX XXXX.He sent a zelle request under the name of XXXX XXXX saying it was his business account. He claimed he was on tour dj'ing and will let me pick up the passes at will call. When I inquired about receiving a confirmation email, he blocked me on XXXX.i proceeded to contact him on XXXX and he blocked me on there.I contacted my financial institution ( XXXX ) to report it. It is being investigated. I also contacted Zelle and they opened a case.Upon doing research, his name is XXXX XXXX XXXX and he is from XXXX, IL. I saw on XXXX, several other people have been scammed by him. I was not able to screenshot the messages on XXXX between us because I was blocked. They all disappeared.
07/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • CA
  • 92507
Web
I received a letter from XXXX XXXX XXXX dated XX/XX/2012 that my accounts are being closed based on information they obtained from a Consumer Report from XXXX XXXX XXXX XXXX. I disputed the matter with XXXX, however after their investigation, my acounts were closed. I disputed the matter with XXXX XXXX XXXX on XXXX XXXX and received their response regarding information they reported on their consumer report dated XX/XX/2012. I filed a police report with XXXX Police Department, in XXXX California, XXXX of Identity Theft, report number XXXX and with the Federal Trade Commision , FTC Ref . No. XXXX dated XX/XX/2012. I was receiving California State Unemployment benefits that were being deposited to my accounts here and with XXXX XXXX Bank, NA. I filed a complaint with CFPB against XXXX XXXX Bank, NA speratley.
11/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 08043
Web
To whom it may concern, I, XXXX XXXX am writing you today as an aggrieved man. My wallet was stolen in 2009 and my identity has been fraudulently used since. Several fraudulent accounts were opened in my name without my knowledge and or consent. Recently I tried to open a bank account and was denied because of EARLY WARNING SYSTEMS reporting there is a balance owed to XXXX XXXX BANK. However, these are not my accounts, and they are fraudulent. I, XXXX XXXX have never held a bank account with XXXX XXXX. XXXX XXXX investigated and found those fraudulent accounts do not belong to XXXX XXXX. I have attached the letter from XXXX XXXX XXXX XXXX for your review. I demand fraudulent XXXX XXXX accounts be removed from my consumer report poste haste. I hope EARLY WARNING SYSTEMS acts in good faith and removes these accounts.
07/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60651
Web
I was a victim of identity theft and fraud in XXXX of 2017. A police report was filed with the XXXX XXXX XXXX Police Department. As a result of this identity theft/fraud, XXXX XXXX XXXX closed my account and confiscated all the money that I had available in both my checking and savings account. In conclusion, I am asking kindly that this fraudulent information be removed from Early Warning Consumer Report. I am looking to open future bank accounts and these fraudulent and inaccurate information that is being reported on my consumer report is causing me issues. Early Warning is the only consumer reporting agency that had not accepted my FTC report and Police report, while XXXX and the others have already verified that their information was inaccurate and they removed the negative accounts from my consumer reports.
11/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Identity theft protection or other monitoring services
  • Problem canceling credit monitoring or identify theft protection service
  • CA
  • XXXXX
Web
EARLY WARNING SERVICES , LLC DOES NOT WANT TO SEND ME MY XXXX NOTICE OF REMOVAL LETTERS FROM XXXX XXXX XXXX BANK XXXX XXXX. XXXX BANK REMOVED MY XXXX DIFFERENT ACCOUNTS REPORTED SINCE LAST XX/XX/2021, THIS MEANS XXXX DAYS AGO!!! IT LOOKS SUSPICIOUS THAT EARLY WARNING SERVICES , LLC IS RETAINING AND TRYING TO AVOID TO SEND ME THE XXXX RELEASE NOTICE OF REMOVAL LETTERS FROM XXXX BANK. SINCE THIS RETAINING IS CAUSING ME HARD PROBLEMS IN MY PERSONAL AND LEGAL LIFE I REQUEST AN APPOINTMENT AS SOON AS POSSIBLE IN ORDER TO GO TO PICK UP MY XXXX LETTERS IN EARLY WARNING SERVICES , LLC XXXX, LOCATED IN ARIZONA, USA. I HAVE TO MENTION THAT LAST TIME EARLY WARNING SERVICES SENT ME SOME NOTICE OF REMOVAL LETTERS, IT TOOK ONE ENTIRE MONTH TO ARRIVE IN MY P. O. BOX WITH THE FALSE EXCUSE THAT THE MAIL WAS RETAINING MY LETTERS.
05/20/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 34205
Web
On XX/XX/2022, I received a text message asking me to confirm a {$3500.00}. Zelle payment, from supposedly my XXXX XXXX bank fraud dept. When the I replied that I didnt authorize the transfer, I received a phone call supposedly from my XXXX XXXX bank. The phone number showed up on my caller ID as XXXX XXXX bank. I was then walked through instructions on how to reverse the unauthorized claims. What really happened, though, is that I transferred money directly to the criminals. Since my daily limit was set at {$1000.00}. They were not successful stealing the said {$3500.00} amount. As soon as I suspected something was not right I contacted my XXXX XXXX fraud dept., and filed a claim with my bank as well as with Zelle. Upon they're review they both denied my claim. Basically blaming me for being a victim of theft.
09/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30307
Web Servicemember
Back in XX/XX/2020, I deposited a check into my XXXX XXXX account, then it comes back counterfeit. I check what's up with the company that wrote me the check and they said it cleared, so I deposit it at XXXX XXXX and it comes back counterfeit once again. XXXX XXXX says they won't report anything in my Early Warning services that would prevent my from opening an account with XXXX. So I try to open a checking account at XXXX, and they deny me because of " prior unacceptable experience with a financial institution ''. So I look at my EWS report and see XXXX XXXX reported that my accounts were " closed for cause ''. I deposited this same check at XXXX XXXX and it cleared. I have the paperwork from the XXXX XXXX saying it cleared their account THREE TIMES. The email address linked to my XXXX XXXX account is XXXX XXXX
01/23/2020 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • CT
  • 06877
Web
I was emailed on XX/XX/XXXX by a ( XXXX ) who claimed to be interested in buying a painting from me ( I am a painter ). I told her the price ( {$1100.00} ) but she sent me an overpayment of ( {$4100.00} ) in the form of a check with the excess {$3000.00} to pay her 'shipper. ' I deposited the check, which cleared after one business day. I then paid her 'shipper ' the ( {$3000.00} ) using Zelle XXXX After paying her shipper, the check which has already cleared was then withdrawn from my account ( XX/XX/XXXX ). I lost all of my money by this scammer. A total of a {$3000.00} loss. XXXX can not refund the Zelle transactions as I authorized them myself. Zelle can not assist me because I use their service through the chase mobile app. XXXX does not insure the deposited check because it was a credit to my account.
10/15/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Trouble accessing funds in your mobile or digital wallet
  • TX
  • 77086
Web
Hello, my name is XXXX XXXX, I submitted a complaint before about my Zelle account is banned with no reason. I think you might misunderstand about what is happening and what I want. Let me explain for you, I received an email that said I can not use Zelle anymore from XXXX XXXX XXXX since I enrolled Zelle with them, and when I tried to contact customer service from both XXXX XXXX XXXX and Zelle all they said is my information is banned, for no reason. They have no ideas why my account is banned. They told me to read the agreement and I after reading, I found that I didnt violate anything on the agreement. So the customer service who helped me said it might be a mistake. Yes I know this is a mistake. And the solution I would like you to help me is unban or unblock my account so I can use Zelle like normal.
08/30/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NV
  • 89129
Web
On XX/XX/2022, I was messaging with someone on XXXX who I thought was going to help me with my XXXX, but he talked me into sending him {$60.00} through Zelle from my bank. This turned out to be a scammer who just wanted full access to my bank account because as we were messaging each other, this gentleman was quite persistent and impatient with me giving him my bank login information. He also seems to use other people 's phone numbers to receive money from Zelle or XXXX. I had called my bank the very next day and the customer service told me that he definitely tried to access my bank several times that day, but luckily my bank knows which devices I use and my location and they blocked him from having access. However, they were unable to reverse the {$60.00} because my bank mentioned the process was instant.
08/02/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Managing, opening, or closing your mobile wallet account
  • CA
  • 96002
Web
I opened a zelle account with my phone number several years ago and used it for a while with no problem. Then my co worker sent me {$150.00} for a part we split the cost of. I went to log in and was told my account was blocked due to suspicious activity. I called zelle and sat on hold for several hours. I finally spoke to someone who acted like this happens all the time. I answered all the questions and my account was supposedly ready to use. I checked and no same thing. I've tried with them 2 more times and no avail. So i decided to not use them and count the {$150.00} as a loss. Now several years later I still have the same phone number and email and my account is still blocked. I need it to get paid through work. I am very nervous though that zelle is going to steal more money from me than they already have.
08/11/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • NV
  • 89052
Web Servicemember
I have tried to dispute inaccurate information listed on XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone XXXX FAX XXXX XXXX There are multiple incomplete and inaccurate information listed on my account. I have called both banks they have listed XXXX XXXX XXXX and XXXX XXXX XXXX. They have told me the issue is with XXXX XXXX XXXX and how they are reporting. I do not have any outstanding balances with either banks and have been told by the banks that the account reason being closed that was sent to Early Warning was closed which does not convey a negative situation. XXXX XXXX XXXX give me the run around telling me to call the banks and this is the information the banks give me telling me to call Early Warning because they are putting information that is incorrect, incomplete and deragatory.
08/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NJ
  • 070XX
Web
The following Inquiries are NOT mine and i never gave permission or authorization to pull my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/12/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • IL
  • 60613
Web
On XX/XX/2021, I sent {$1500.00} through the Zelle add-in on my mobile banking app, XXXX XXXX. I sent it to a person with a Zelle account that is NOT through their bank. Once the intended recipient didn't receive the funds, I called Zelle, who informed me that they can't help because it was through my bank app. The recipient has no receipt of the money within their Zelle app, but my bank statements do have the receipt. I have now opened 2 or 3 different disputes with my bank for this amount as well, with no update or anything coming from my bank. Given the time period, it has been frustrating - I had waited a more than appropriate amount of time before complaining again and then before sending in this comment as well. I can also provide photos of the intended recipient 's empty Zelle account as well.
09/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • IL
  • 628XX
Web
I tried to open an account with XXXX XXXX XXXXXXXX and a couple of other banks but was having trouble doing so online and then was given this information by XXXX which shows this crooked company is behind all and negatively reporting my banking information in order to keep me from opening a checking account out of retaliation for my reporting banks in the past!! This needs to be illegal!! 90 percent of the people in this country are struggling financially this is just another way they are trying to oppress the poor!!! I lost my job in XXXX of this year and need a checking account set up for my direct deposit of XXXX!! The XXXX does not have my current bank XXXX on their list!! I want a copy of the report these crooks are using and want it deleted or I will be filing a class action against both them and XXXX!!
02/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MN
  • 55343
Web Servicemember
The following information and closed bank accounts listed on my Early Warning Comprehensive File Disclosure Consumer ID : XXXX is inaccurate, fraudulent and not my closed bank accounts : XXXX XXXX, Bank Routing Number : XXXX, Account Number : XXXX, XXXX XXXX Bank, Bank Routing Number : XXXX, Account Number : XXXX, XXXX XXXX XXXX, Bank Routing Number : XXXX, Account Number : XXXX, XXXX XXXX XXXX, Bank Routing Number : XXXX, Account Number : XXXX, XXXX XXXX XXXX, Bank Routing Number : XXXX, Account Number : XXXX, XXXX XXXX XXXX, Bank Routing Number : XXXX, Account Number : XXXX, The following credit Inquiries are fraudulent and not my credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
08/28/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • MO
  • 631XX
Web
I was looking to buy a ticket for a concert as it had sold out on XXXX. A user ( XXXX ) reached out to me on XXXX about selling me their ticket. I was apprehensive but agreed to pay {$20.00} of the {$30.00} prior to recieving the ticket and the remaining {$10.00} after. I sent the money to their Zelle email ( XXXX ). They responded with a very clearly manufactured screenshot that claimed that the amount had been refunded to me due to an error. The user asked me to send the amount again. At that point, I challenged the fraudulence, and they stopped replying. I've already reported them to XXXX. I went on XXXX XXXX XXXX to dispute the charge, but the bank claimed that no charges on my account were eligible. I tried calling next but I couldn't even get ahold of a real agent ( stuck with the automated machine ).
07/20/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • WA
  • 98116
Web
I had found an apartment for rent on XXXX. Upon doing my due diligence and verifying that the individual I was communication with was a real person who worked for XXXX XXXX XXXX, I proceeded to send {$3300.00} through Zelle as a security deposit so the apartment would be taken off the market. Unfortunately, the identity of the individual had been stolen and I was not actually communicating with the real person. {$3300.00} is a standard security deposit in XXXX, WA. The individual even sent a fake Lease Agreement stating that should I not move forward with the unit, my money would be fully refunded. I reported the activity to Zelle and they did absolutely nothing, not even a response. I emailed the real agent to inform him that his identity had been stolen. Apparently this has happened numerous times.
11/26/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 33484
Web
They claimed to be from XXXX XXXX XXXX fraud detection and said an account had been opened using my information and was making zelle transactions from my account and I had to enter cancellation codes into the zelle app so I was under the impression that what I was doing would cancel these transactions. They had me go into the zelle app and enter 'cancellation codes ' into the app which ended up just sending the money to XXXX XXXX . I did not authorize any payment as I was under the impression I was cancelling a transaction and they called from the official XXXX XXXX XXXX number and provided me with personal information that the bank would have access to. I contacted my bank to get it reversed they said there is a good chance they will not be able to reimburse me, this was the associated case number : XXXX
09/11/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • GA
  • 30106
Web
On XX/XX/2019 o sent my sister XXXX XXXX {$120.00} through The app Zelle, which I have sent money to and from multiple times. I have been getting misleading information about where the money is since my sister still hasnt revived the money and I still have yet to have the money back on my account. My bank XXXX assured me the payment went through which I could see on my statements and money was deducted. Zelle has been giving me different answers since the first call I made to them. They are telling me my payment failed when I could see that it clearly went through. They are not helping me, I keep having to speak with different people to get my own money back. My bank XXXX told me I couldnt dispute since it was a Zelle transaction but I disputed it anyway to see if they would just pull my money back anyways.
06/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • XXXXX
Web
I was in an abusive relationship and my ex-boyfriend opened bank accounts in my name and used those accounts to deposit stolen/fraudulent checks. I could not come forward with this information during the investigation because I was still in my abusive relationship. It wasn't until I moved to a completely different state ( all to get away from my abuser ) that I was able to come forward with this information. By this time, the bank already completed the investigation and still found me responsible even though I told them everything and gave them my ex-boyfriends name, dob, social and address. I haven't been able to open a bank account because of this. My life is almost completely back on track ( I had to start completely over because of this man ) except for this XXXX hiccup. I don't know what else to do.
11/12/2021 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • CA
  • 91304
Web
I am XXXX XXXX XXXX XXXX and in submitting this complaint myself and there is no third party involved. I XXXX XXXX XXXX XXXX, consumer, natural person, and original creditor of a alleged debt. On XX/XX/2021 I was a personal checking account due to fraudulent information being reported on my credit file by EARLY WARNING SERVICES LLC has been reporting without my consent or proof of alleged debt. I was notified of this transgression of my rights specifically 15 USC 1611 ( 1 ) 15 USC 1692 ( j ) - The Truth in Lending Act, by EARLY WARNING SERVICES LLC.I as a natural person was harmed by EARLY WARNING SERVICES LLC. Adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1611 ( 1 ) are up to { {$5000.00} }, civil damages for 15 USC 1692 ( j ) are up to { {$1000.00} }.
10/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19139
Web
To Whom It May Concern : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on an EWS report. Otherwise, anyone paying for my reporting services could fax, mail, or email in a fraudulent account. I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file for all accounts listed. Your failure to positively verify these accounts has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed. Please verify the accounts or remove them immediately.
12/19/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MN
  • 55343
Web Servicemember
I mailed a copy of my bankruptcy discharged notice from the United States District Court-District of Minnesota on XX/XX/2020 to Early Warning in regards to all of the negative and fraudulent checking accounts listed on my Early Warning Consumer Report : XXXX, all of the accounts listed on my consumer report are fraudulent accounts and those fraudulent accounts was discharged in bankruptcy court, but Early Warning continues to report and list the fraudulent accounts on my consumer report which is restricting me from opening a checking account and obtaining credit. There should not be any adverse or negative information or accounts on my Early Warning Consumer Report. Early Warning is in complete violation of the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ) under federal law.
06/06/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 77346
Web
On Thursday, XX/XX/XXXX, I was in a XXXX XXXX XXXX casino and I was ready to travel back to where i was staying. I took a cab and when I swiped my card, it didn't work. The cab driver said i could pay with XXXX or Zelle. I was tired and fell asleep during the drive and he took me to a strip center where other cab drivers were hanging out. I told him that this was not the right place and asked where I was. He said that i need to get my Zelle payment, and right as he said that, another person got into the backseat and demanded that I make the payment and they'll take me the rest of the way. I feared for my life at this moment, and proceed to give them {$170.00}. The recipient took the phone from me and added another XXXX. I did not authorize this payment and didn't realize what they did until the next day.
02/20/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Banking errors
  • NY
  • 11217
Web
Someone tried to opne a checking account with XXXX XXXX XXXX. Then they tried to use Zelle to take money. XXXX called me and that was stopped. Then Zelle automatically went to my XXXX account. That was stopped and Zelle automaticall went to my XXXX XXXX account. Zelle has deducted {$3500.00} from my acounts ( the fraud department ) and assures me that the money will be returned. The money taken from XXXX on Thursday and Fridaqy of last week has not been reimbursed. Today Zelle took another {$2000.00}. I asked the agent why they were draining my accounts and was told not to worry. First of all, Zelle should not automatically go from one back to the next without my authorization. When Zelle tries to remedy this they should not be taking thousands of dollars until they can figure out how to fix to problem
06/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Was not notified of investigation status or results
  • CA
  • XXXXX
Web
On XX/XX/2021 I submitted a dispute to Early Warning Services , LLC I am contacting them because they are in violation of many banking regulations and Federal Credit Reporting Act consumer laws reporting on my report Sec. 3403. Confidentiality of financial records ( a ) Release of records by financial institutions prohibited I Am a federally protected CONSUMER! subsections ( a ) and ( B ) of 15usc 6802 prohibit the disclosure of my non public personal information without my consent! I would like all of accounts removed from my consumer report, I did not give any consent for the disclosure of this information! they are also in violation of multiple other laws within the usc and FCRA! Early warning services LLC did not respond within 30 days of my dispute either! no consent by definition is IDENTITY THEFT!
04/03/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Confusing or missing disclosures
  • FL
  • 33186
Web
I sent 3 payments totaling {$1200.00} on XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX to a person that turned out to be a scammer. The only remedy I apparently had through XXXX was to see if the money wasnt still in the account and to be moved back, but XXXX did not get back to me until almost 2 days later, giving the scammer an opportunity to close the account. Leaving me with no remedy. Also XXXX does not state IN CLEAR TERMS OR AT ALL, that XXXX is only for friends or people you know. It advertises itself to be a convenient payment method with the only warning being to make sure that you are sending the money to correct person, which I was obviously. It is wrong to advertise this service as a convenient payment method, yet not have buyer protection AND not inform consumers about this CLEAR limitation.
12/09/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Fee problem
  • MD
  • 20707
Web Older American
I paid {$1000.00} via Zelle to a puppy scam. I did not know it was a scam as I was in constant contact with the seller who assured me that they were ligit. After paying {$1400.00} for puppy, XXXX XXXX XXXX XXXX XXXX XXXX Nanny, I never received the puppy. I did file a complaint with XXXX XXXX ( my bank ), but they are not able to reimburse me as they said it was a fair trade. I am hurt, because not only am I out of a puppy, but i am out of {$1400.00}. I did contact the XXXX XXXX XXXX and they did publish XXXX XXXX XXXX reached out to me and did a story. This was published in the city where the " so called '' scammers listed their address. I have email addresses/phone numbers, etc if needed. I want these people prosecuted to the fullest extent of the law. Stealing is a CRIME! XXXX XXXX XXXXXXXX
06/22/2023 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Other transaction problem
  • MI
  • 480XX
Web
OnXX/XX/XXXX, using Zelle through my bank 's app ( XXXX XXXX XXXX ), I attempted to transfer funds to my spouse. Unfortunately, the phone number was off by one digit and the funds went to an unknown individual. I contacted my bank the next day ( XX/XX/XXXX) to begin an investigation to recover the funds. I received a letter from the bank dated XX/XX/ stating that " the funds were not available to reclaim from the receiver. '' On XX/XX/, I contacted my county 's sheriff 's department to file a complaint/case. I received a call from a sherrif 's deputy on XX/XX/XXXX stating they could not identify the person to whom the funds were sent and thus could not recover the funds. In between these dates, I attempted to contact the number to which the funds were sent via calling and texting with no response.
07/25/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 90703
Web
I was trying to buy concert tickets on XXXX, and I found someone by the name of XXXX. Through direct messages on XXXX, XXXX showed proof of owning XXXX tickets. We agreed on {$250.00} per ticket, and I wired her yesterday ( Sunday, XX/XX/2022 ) {$500.00} using Zelle. After wiring the money, XXXX requested another {$170.00} to cover XXXX XXXX XXXX purchasing fee. I told XXXX that I would not wire the {$170.00} until she sent me the tickets. XXXX refused, so we agreed that I would send {$100.00}, XXXX would transfer the tickets to me, then I would pay the remaining {$75.00}. After sending XXXX {$100.00}, she continued to refuse to transfer the tickets. I then messaged her the next day ( Monday, XX/XX/2022 ) and asked her to return the {$600.00} I had sent through Zelle, to which she did not respond.
12/16/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • XXXXX
Web
Early Warning systems is reporting information that does not belong to me. I have asked several times for a copy of my report and they keep telling me they will email me the report but to this date I have never received anything! It 's been over two months now. They are stating I have a account with XXXX XXXX XXXX, I do not, THE NAME THEY ARE REPORTING FOR XXXX XXXX XXXX IS DIFFERENT FROM MY LAST NAME. MY LAST NAME IS XXXX NOT XXXX! ALSO THEY ARE REPORTING THE SAME THING FOR A BANK CALLED XXXX XXXX XXXX, AGAIN I HAVE NEVER HEARD OF THIS COMPANY, AND MY LAST NAME IS XXXX. WHEN I CONTACTED THE BANKS DIRECTLY I WAS TOLD THEY CAN NOT FIND ME ANYWHERE IN THEIR SYSTEMS! BECAUSE EARLY WARNING SYSTEMS HAS REFUSED TO PROVIDE ME WITH A COPY OF MY REPORT THEY HAVE PREVENTED ME FROM DISPUTING THE INFORMATION!
04/13/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • NJ
  • 073XX
Web
At XXXX on XX/XX/2023, I took a walk in the XXXX XXXX XXXX where XXXX high-school aged boys approached to me for XXXX survivors donation to their sports team. They first asked me if I can donate one dollar to their XXXX account and I tried but failed. They then asked if I can donate through Zelle and I said Yes. One boy asked if he can search the phone number on my Zelle and I allowed him only to search the phone number. In the meanwhile, the other boy distracted my attention by kept introducing their program. I did not authorize them to transfer the money and the boy who held my phone told me he has searched the phone number out and I said let me take a look. When I looked at my phone for the receipients number, these two boys ran away and they stole XXXX from my account without my authorization
10/18/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 94107
Web
On XX/XX/2022, I was involved in a scam through XXXX marketplace. The buyer said they would purchase the item for {$350.00} ( listing price ) and send money through Zelle. The buyer then sent the money but nothing was received. I received an email from Zelle stating that I was to send {$400.00} to the buyer in order to prove validity and receive the payment. I was then asked to send {$500.00} for a certificate that would prove the transaction. This is when I knew it was a scam but I had already sent the money. The Zelle email address is a fraud account as is the XXXX XXXX buyer. I attempted to dispute the charge with XXXX and Zelle but they stated that they are unable to dispute the charge. This is beyond frustrating and a solution is needed. I will attach the emails and transaction screenshots.
07/21/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 95765
Web
Zelle scam. I am trying to sell an item on XXXX XXXX XXXXXXXX for {$400.00}. A potential buyer claims he has a business account. I received a scam email from a fake Zelle site stating the buyer will submit to me {$700.00}. The scam then requires me to return {$300.00} to the buyer. The scam Zelle email instructing me is Zelle pay XXXX The info below is the email address asking me to make a " refund '' - info : XXXX This email address is the intended recipient of funds I am to send him! " On Wed, XX/XX/2022 at XXXXXXXX XXXX XXXX XXXX XXXX wrote : Yes, please do. Kindly make a refund to this zelle info : XXXX Take a screenshot of the payment and send it to me so i can forward to the email I received. You should also do the same for verification of funds!! So you can be credited immediately!! "
12/18/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • XXXXX
Web
On XX/XX/21 a person who stated they were a XXXX bank personnel and was notifying me that there were unauthorized transactions occurring. When I checked there were none but the personnel insisted they have security protections that detect when its happening to customers. They clearly had every bit of my personal information from first and last name, phone number and email that is linked to the account they then had me confirm several security updates by pressing commands on my phone as they text me. They even called me from an actual XXXX bank tel number. When I called to report it they rejected my claim as it was done through a XXXX XXXX and assumed I had transferred my life savings to my checking to and withdraw/pay some stranger in Texas, US that I have no knowledge of who that person is.
03/23/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • GA
  • 30083
Web
Money was sent to me through Zelle to my XXXX bank for the amount of {$5000.00} and I asked the back to send it back to the sender. I explained I know the person I just wanted them to receive it right away. They said it was not able to be sent back right away because it was not posted but call back next day and they can. I called back I was told to wait 5-6 business days still the sender didnt receive the money. Please help its been going on for over 45 days I spoke to chase for hrs and hrs they cant help. The money is stuck some where. They keep telling me its out of my account and they are not responsible. I already filled the complain for chase back and now I need Zelle also to be investigated. The money is lost somewhere and its not at XXXX XXXX XXXX which is the senders bank. Please help
01/07/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • FL
  • 32822
Web
There were 3 transactions, 2 of {$600.00} and 1 of {$500.00} that were withdrawn from my account using XXXX. When I contacted my bank, they restricted my accounts and access to my online accounts, and canceled my card. Then they transferred my call to the XXXX department, and apparently a claim was filed, but they told me that since I supposedly authorized these transactions they couldnt do anything about the money I had lost. They then told me to try and request money back from the recipient, but how am I supposed to request money from someone who I didnt know and whose phone number/XXXX information wasnt available to me?? The person who I had supposedly sent money to went by the name of XXXX as said on my XXXX app, but there was no phone number or account info to request money back from.
04/17/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TN
  • 37919
Web
I attempted to purchase tickets to a concert using Zelle services from within the XXXX XXXX XXXX XXXX application. I immediately realized I had been scammed and attempted to contact Zelle as well as XXXX XXXX XXXX. Zelle could not be reached ; a recording said you should call your bank. XXXX XXXX XXXX said that they would dispute the charge. A week later I received a letter that XXXX XXXX XXXX XXXX XXXX has been rejected. XXXX XXXX XXXX now says to call Zelle. There is nobody to call or contact at Zelle that I am aware of ; I have already tried. XXXX XXXX XXXX says the issue is closed. I have lost {$500.00} and I have no recourse from any of the financial services involved. I don't know what to do ; it appears the thieves are successful. Thanks & regards, XXXX XXXX XXXX XXXX XXXX
09/10/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 92703
Web
I want to buy a game device on XXXX XXXX in this link ( XXXX XXXX XXXXXXXX ) from a seller with total of XXXX, the seller ask me to deposit XXXX. I did that through zelle on my XXXX bank to someone on zelle under name : XXXX XXXX with Phone number : ( XXXX ) XXXX and after that the seller sent me a fake receipt and ask me for the rest of the payment otherwise he will stop the shipment. and I said the seller can go ahead stop sending it to me and send me back my deposit. from there I did not receive any response from the seller. he ran away with my deposit. I had all the evidence include all the text and the fake XXXX receipt ( I know it fake because he used fake address on it which is XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX which is the resident address ). I already report this to my bank.
05/05/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TX
  • 77373
Web
On XX/XX/XXXX a friend sent me {$450.00} to send to a bank in California for a collateral payment on a loan she was trying to get for a car. The person said it could only be sent through zelle. My friend sent me the money in XXXX XXXX, I transferred it to my bank account, and sent the money through zelle to XXXX in the total of {$450.00}. On XX/XX/XXXX the person asked for another {$1000.00} to pay for some type of insurance, my friend told the person she was no longer interested in the loan and asked her for her money back. The woman hung up the phone on her and blocked her. I called my bank ( XXXX XXXX XXXX ) they were not able to do anything, and my friend filed a report. I have emailed the person and sent a request through zelle for {$450.00} to get the money back and heard no response.
05/09/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • VA
  • 238XX
Web
I was sold services to help with establishing my business, as far as filing paper work. I sent a payment of {$730.00} via Zelle to the individual, who was soliciting their services, on XX/XX/2021. Nearly XXXX weeks later, the individual no longer responded to any emails, deleted their XXXX page, their number was deactivated and none of the services I was sold had been completed. My Zelle account was then deactivated, I reached out to my bank who transferred me to Zelle Customer Service because they stated their was nothing they could do. Zelle also advised me that there was nothing that could be done to reactivate my Zelle account or attempt to get my money back. I have been calling frequently to try and resolve this issue and I am told nearly every time there isn't anything they could do.
01/04/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • XXXXX
Web
I have sent a letter to XXXX XXXX ( EWS ) disputing 5 accounts as erroneous on XX/XX/2018 and mailed them USPS First Class Mail. I received notice in the mail that you sent the deleted EWS dispute letter ( s ) on XX/XX/2018. It is now XX/XX/2018, it's been over two months since each account was DELETED. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per un-deleted item. Enclosed find a copy of the deleted EWS dispute receipt showing when you received my dispute showing all the accounts I have disputed.
08/26/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • IL
  • 60641
Web
Someone pretend to be a landlord renting a property. I send money for the application and for a deposit. 2 payments of {$55.00} for two adults and 2 payments of {$450.00} for a security deposit to supposedly take the property off the renting listing on XX/XX/XXXX. As soon as they started asking for more money I started calling them and by the end it sounded like they would try to work things through because they keep saying that all the money was refundable. As soon as they didn't show up the next day I called my bank and explained them everything. They didn't say much, the next day XX/XX/XXXX I contacted my bank again but they informed me that they couldn't do anything and that they had send a letter to my home to inform me of that decision instead of telling me right away when I called.
04/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 700XX
Web
On XX/XX/2020, I called Early Warning to obtain a " security freeze '' as outlined in the FRCA. However, I was informed by the representative " XXXX '' that he had never heard of that and it was not offered. He continued that Early Warning was not a " credit '' reporting agency and consumer reporting agencies were exempt from the FRCA, which is absolutely false. Although, the rights are listed at the bottom of the Consumer Report which I obtained. It reads in bold and all caps that " CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE. '' After no further denial, I requested to speak with a supervisor " XXXX, '' but she never came to the phone. I requested a call back. Thus, my issue is that I have the right to a security freeze and would like one placed on my consumer report. Thank you.
04/18/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Indicated committed crime not paying
  • FL
  • 33908
Web Servicemember
Early Warning Systems ha s a statement on my report that I had tried to commit a crime with a bank account that I never used. I want this statement removed from my files. As they can see the bank that " they '' stated gave them the information, has cleared me from their system. I believe that this defamation of character and it need to be removed immediately before I seek legal advise. I 've never had or will try to defraud a US banki ng system. I 'm a good citizen with no arrests and my record is very clean. I am teacher and have been teaching over 20 years. I 've recently read that XXXX XXXX XXXX and Early Warning Systems are targeting XXXX XXXX by putting a fraud statement in their Systems which prevent them from opening accounts or joining a bank. This is not fair or right.
10/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30342
Web
I have identity transaction that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Im requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/27/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Trouble accessing funds in your mobile or digital wallet
  • TX
  • 782XX
Web Older American
This is for Zelle. If you get a new phone and all of the mobile apps have to download again ( mine from XXXX ) then Zelle counts you as having a new account even if you have had one for many years. Zelle now wants you to wait 30 days. This is ridiculous when you have ongoing transfers nearly everyday. Zelles customer support refuses to talk with you which is another problem. They want you to call your bank when its not the banks policy nor nothing the bank can do about it nor can they even call Zelle themselves. Also I notice this issue has spun off Zelle scams on the internet which need to be taken down!!! See these fake websites where someone answers and wants you to install software on your phone do they have access to it. Please get this to the FBI!! XXXX XXXX XXXX XXXX XXXX
01/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • CA
  • 923XX
Web
I had applied for a job with a XXXX XXXX company, I was told I had to deposit a check for {$4600.00} and then withdraw {$4000.00} to send to the " regional manager ''. The check turned out to be fake and I had to pay my bank back the money even though it somehow cleared even though it was a fake check. Then the bank closed my account and told me it was not their problem and put the fraudulent activity on my credit history so now I'm not able to open a bank account anywhere else. Im sorry for what happen because I didn't do it on purpose and I paid back the money even though I feel like my bank could have done more for me but they didn't. Now I just want them to take off the fraudulent activity from my credit history because now I can't bank anywhere and I won't be able to buy a home
01/15/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • NY
  • 10701
Web Older American
I opened a XXXX account and when I tried to use it I discovered it was closed! The culprit : Early Warning Systems ( EWS ), the banking industry 's own credit reporting agency. I requested and receive " my '' credit report from them and discovered not only XXXX or XXXX bogus accounts BUT there is no way to contact these banks on these accounts directly. FISHY? Of course! All of these were posted under my social but are all/almost all belonging to XXXX different people. The only way to clear my erroneous record is to submit to EWS a detailed letter on each of the individual accounts. XXXX all provide the creditors contact info. EWS refuses to reveal these details. Surely this is to protect their own fraudulent practices. My bank record is CLEAN yet I will never have a XXXX account.
07/31/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 95148
Web
I am hereby complaining about Zelle. Zelle is unprotected and slowly reacted to my case. On XX/XX/XXXX, I was a victim of a XXXX scam. In response to a XXXX XXXX ticket posting, I contacted XXXX XXXX at XXXX. He told me he represented XXXX XXXX and could get a good deal. He wanted me to send him my driver 's license and deposit {$180.00} for XXXX tickets. I sent him my driver 's license and Zelle 's {$180.00} to XXXX. Many hours went by, and no tickets ; I contacted XXXX and Zelle on XX/XX/XXXX. They acted too slowly, and the transaction went through on XX/XX/XXXX. No one seems to care. Scammers knew nothing would happen, and Zelle and XXXX were unprotective of their customers. I am asking CFPB to investigate my case and force Zelle to be more responsive and protect the consumers.
06/24/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • VA
  • 20105
Web
My daughter was purchasing a puppy through a website. After 21 email exchanges with questions with the person ( including questions, requests for references, videos, etc ), they sent a contract that my daughter signed ( after I reviewed it ). Then we initiated the transfer of money through Zelle ( through our bank XXXX ). I assumed Zelle was safe since it was linked to my bank account. Then they asked for more money, and once they did that, I knew it was a scam. This is not acceptable and we should get our {$600.00} returned. I have contacted Zelle and they just want to say that Zelle should be used with a trusted source. But we had a contract, which would imply a trusted source. In addition to the contract that I have provided.. I can provide all email documentation and texts.
04/22/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 77429
Web
There was fraud/scam on my account through the service Zelle and no help will be given by any of the financial service companies associated with my account. The amount of the fraud was {$850.00}. It was sent there due to a scam about a puppy and the company the transaction was made to was a shell company and did not ever intend to trade any good for the money stolen from me. XXXX XXXX XXXX and Zelle are of no help in this fraudelent case and have done nothing to resolve this issue or take the scamming business user off of their services. This business is consistent in their ways, as I had my significant other creat an application, to which the whole process was exactly the same, and I assume the process is repeated over and over again to many eager dog wanting consumers out there.
06/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 32084
Web
My account was hacked, my password was changed and locked me out. There was a check deposited ( {$4200.00} ), that I immediately called XXXX XXXX XXXX about and reported it as fraud. They told me they would look into the claim, and never gave me any answers. Then out of the blue they close my account, without letting me know. I paid off any debts that I owed and zeroed out the account. Now months later I am trying to open another bank account, and they have reported false information to EWS. Every banking application I submit gets denied because I have fraud on my report. I have called the banks, and EWS and no one will help me. The only thing I have seen that is giving me hope, is to file a report through here. This was in XXXX, it is months later and this is still affecting me.
08/26/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • MI
  • 49418
Web
I was posting on a XXXX page in search of concert tickets and came into communication with a woman who provided me with legitimate looking screenshots of tickets on XXXX XXXX along with her license and identification photo. I then sent her {$370.00} through Zelle at the email XXXX. After confirming that they had received the money, they said they were going to transfer the tickets through XXXX XXXX. Once time passed and I did not receive the tickets, she said that she wanted more money. I refused and she said they would return the money back and provided legitimate looking screenshots of a bank account returning the {$370.00} to my name. I have not received this money and the woman is no longer responding to my messages. My bank account has said that they can do nothing about it.
06/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 07747
Web
This Company is reporting negative information without my written consent and on top of it the information is also COMPLETELY FALSE. In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
10/19/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • TN
  • 38125
Web
I am a small business owner who was affected by the pandemic just like millions of other hard-working individuals and I was awarded two disaster relief loans. XXXX XXXX XXXX, without consulting me, closed my account and debited my account nearly over {$15000.00} as if I were in receipt of the funds fraudulently causing me not to be able to open accounts at any larger, national bank and Early Warning Services as well as XXXX XXXX won't allow me to dispute what they have done to remove the erroneous charge-off. I owe nothing to XXXX XXXX XXXX. In fact, I have been a loyal customer for nearly 20 years, and they treated me like a common criminal within the past year when all they had to do was ask for my loan documentation to verify the loan proceeds that I received for my business.
12/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 770XX
Web
15 USC 6508 I have the right to opt out and that they have reported information and transactional history to early warning and check systems Per the FCRA as a Federal protected consumer of any and all authorizations. I the consumer may have given you written & unwritten. Verbal or non-verbal per 15usc 6802. Under 5 usc 522a you are not suppose to give my social security number to anyone that is not the federal government. 17cfr 424 all inquiries must be removed. Fair Credit Reporting Act of 1974 15usc1681 Inaccurate Reporting Non Public Personal Information 16crf 313.6 16 crf 313.7 15usc1602 Per the FCRA as as a federal protected consumer. Im now opting out any and all authroizations. I the consumer may have given you written & unwritten and verbal or non-verbal per 15usc 6802
07/28/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • IN
  • 46151
Web
On XX/XX/XXXX I was {$100.00} by someone trying to buy a laptop through Zelle. I didn't receive those funds. An email was sent from zelle saying I couldn't collect the full amount because I didn't have a business account. The buyer sent an extra {$100.00} and an email from Zelle was sent to me saying that I had received it and that I needed to refund the extra money. Zelle, in the email, said the money was on hold and no one was losing a dime on the transaction. I unsuccessfully sent the refund payment. Zelle sent a declined email and asked me to send it again with a screenshot. I did so. I never received any of the payments and I'm missing {$200.00} from my bank account. Zelle told me to contact my bank and XXXX told me there wasn't anything they could do but be more careful.
04/05/2022 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • IL
  • 60068
Web
Received a call from a representative claiming he was with XXXX XXXX, a utility company. He claimed that I had an outstanding balance of $ XXXX and needed to be paid immediately or my service will get disconnected that day. He walked me thru process of creating Zelle recipient and making a payment thru Zelle. My first transaction, he claimed had an error on it after I sent it. So he said he was going to cancel and he then walked me thru second transaction and then sent it again. Both transactions were in the amount of $ XXXX first transaction was sent to XXXX and XXXX transaction was sent to XXXX. XXXX came from a XXXX XXXX @ XXXX. The issue is with Zelle, the transaction can not be cancelled once it is sent. There is recourse when sending to a fraudulent account or a scam.
09/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48186
Web
Early Warning Services located at XXXX XXXX XXXX XXXX XXXX, AZ XXXX is reporting inaccurate information about me publicly. I have submitted two notices to this entity. The first notice was a request to place a security freeze on all data reporting about me publicly. The second notice was a request for this entity to cease and desist the reporting of fraudulent data about me publicly. Early Warning Services first response to my request for a security freeze to be place on my file was a letter denying my request for a security freeze and copies of their file listing my personal data. Early Warning Services second response to my notice to cease and desist the reporting of all fraudulent data about me publicly consisted of the exact same letters I received from my first request.
11/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92832
Web
On the day of XX/XX/2020. I received a personal check from a customer for {$13000.00} from their bank which was XXXX XXXX XXXX XXXX XXXXXXXX. I deposited the check into my checking account ( XXXX XXXX XXXXXXXX ) Like any other check it was verified and came back invalid. I had no knowledge that the check was invalid. XXXX XXXX XXXXXXXX ended up closing my account and asked me to pay a closing fee. I payed the fee to XXXX XXXX XXXX which I was told by a customer representative that it with that being paid they will remove all negative remarks from my banking report. I recently got a hold of my banking report and found out that they are reporting negatively on my report as fraudulent. They are not trying to remove this claim of my banking history with XXXX and Early Warnings.
03/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • SC
  • 29488
Web Servicemember
XXXX Bank account XXXX XXXX XXXX account XXXX I am disputing these fraudulent bank accounts that was open in my name for the third time with Early Warning services upon the investigation these accounts was blocked because of fraud But the the month of XXXX they have been rescinded back into my early warning services report. Early warning need to realize these companies did not do a fully investigation and so did early warning services. Early warning services clearly violated the fair credit laws that retaining about fraudulent accounts. I have submitted more evidence which I'm mailing off on XX/XX/2023 to block these fraudulent accounts again. Please pay attention to the signatures of mine to these companies which does not add up to mine during this fraudentlent incidence.
09/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • FL
  • 330XX
Web
On multiple occasions I have tried to speak with the people of Early Warning Services to be able to put a dispute on the report that they give to the banks about me since in the last months I suffered a robbery of my bank accounts which were looted with great sums but according to the investigations of the same banks it was discovered that they had actually stolen the money from my accounts but after this it has not been possible for me to open any bank account nor any loan in any bank for which I have tried to call Early Warning Services to dispute their actions and they never help me by hanging up my calls or saying I can't do that according to them because a bank has reported me for fraud but I have all the documents that show the cyber attack that my accounts suffered.
12/30/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • VA
  • 23454
Web Servicemember
This person with XXXX and phone number XXXX called me stating to be a XX/XX/XXXX representative and asked if I had XX/XX/XXXX and which I said yes. But, I hanged up since it seemed fishy. But, the person managed to hack my phone through the XXXX app. Was able to find my XXXX XXXX XXXX it and stole my XX/XX/XXXX login info. Get in get the code to get past the double security feature. And send XXXX to himself through a zelle account I didn't make towards XXXX. the next day I woke up logged into it and saw that and started contacting my bank saying to factory reset my phone and run an anti-hack program which I did and they told me there is nothing to be done and believe I gave my authority on the transaction when I didn't since he had full access to my phone after the hack.
09/28/2019 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • TX
  • 790XX
Web
On XX/XX/2019 I discovered my checking account had been hacked after checking my balance on my mobile app. it happened at XXXX pm. central time zone. ( XXXX XXXX XXXX ). The description of the transaction was, person to person transfer. XXXX XXXX XXXX XXXX XXXX. I don't even know this person and I have never used XXXX period. They withdrew {$350.00}. I talked to my bank but supposedly they really can't do much ... and XXXX the same. Neither one wants to take responsibility for these fraudulent activity. I was told the funds went to a XXXX XXXX XXXX but have no trace of the phone number or who received it. Please help I am a father of 4 and a husband. They took my hard earned money. put me in a bind. XXXX has many of hack complaints they need to be financially responsible.
10/11/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 28205
Web
I have a complaint I will like to file about early warning. I have reached out to them about my file, theres things on there I have never opened besides XXXX XXXX inquiry. How on earth did this banks get my information someone has to be applying electronically as now I have freezes on all my account and will be getting to the bottom of this and will be reporting.unders section 609 if it doesnt belong to me it must be deleted!. I sent out 2 letters and never got an response back it's been over 60 days when I've sent out a 2 letter of dispute never have gotten a response or reply. I reached out to them there saying I have to mail in a dispute of inaccurate information which I have already done it's over 60 days. This isnt fair this usnt right under FCRA IT MUST BE DELETED
12/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33068
Web
RE : Consumer ID # XXXX To Whom It May Concern : It has been brought to my attention that { XXXX XXXX XXXX acct # { XXXX } dated XX/XX/2020 has listed negative information on my file i have no knowledge of these accounts please remove asap thanks, ( XXXX XXXX XXXX acct # XXXX XX/XX/2020 ( XXXX XXXX acct # XXXX ) XXXX XXXX XXXX acct # XXXX ) ( XXXX XXXX acct # XXXX } XXXX XXXX XXXX account # XXXX } i don't have no knowledge, of these accounts I am therefore writing to request full REMOVAL of this information as is my right underneath the Fair Credit Reporting Act. I request that these { negative listings } be permanently removed from my report. For your records, my contact information is as follows : { XXXX XXXX } - { XXXX XXXX XXXX XXXX # XXXX } { XXXX fl XXXX }
04/27/2018 Yes
  • Checking or savings account
  • Checking account
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33916
Web
XXXX XXXX XXXX is reporting fraudulent accounts to early warning services which is preventing me from opening any accounts with other banks. I was a victim of ID theft. XXXX XXXX XXXX has not provided any documentation with my signature showing that I open the accounts with their bank. I have submitted my ID theft form to early warning services for these charges that I am unaware of and did not authorize. Early warning services is still reporting the inaccurate information on my consumer reports. Per law all fraudulent information must be blocked within 4 business days after receiving proper documentation, that has not been done. I am aware of my consumer rights this is ruing my approval chances with other banks. I have contacted a consumer lawyer regarding this issue.
06/26/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NJ
  • 07080
Web
XX/XX/24 I was contacted by a buyer when selling my daughter 's prom dress through XXXX XXXX. The buyer sent payment through Zelle. I then received an email asking to upgrade my account by adding additional money or I would not received the money for the dress. I offered to refund the money to the buyer as I did not want to send additional money. When I sent the money through Zelle, I then realized I'd never received anything and the emails were scammed. I contacted Zelle who hung up on me after saying I had to contact XXXX XXXX. I also requested money via Zelle to the buyer which was declined. XXXX XXXX can not stop the transaction until it is posted and not pending. I once again contacted Zelle and was cut off and hung up on even after saying I wanted to report XXXX.
09/02/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33063
Web
I had an account with XXXX XXXX XXXX for 6 months with my direct deposit from work going in every week for XXXX one day i deposit a check of my daughter supposed payroll for XXXX they gave me XXXX in advance available 3 days later they close my account because it was a fraudulent check they charge me the XXXX out of my direct deposit that came that week and gave a check 3 weeks later for XXXX i don't care about the account being close with them they terrible what i care is they report me as fraud to XXXX XXXX and early warning and because of this i can't open another account this is not fair i paid them what it was own and that check wasn't mine it was from my daughter online employer i was doing her a favor where is the fraud there? Now all the banks think i do fraud
07/31/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 91342
Web
hello! This was Via zelle! I was scammed by two people claiming to be owners of apartments, at the time I didnt know you couldnt get money back from Zelle if you sent it. Which is a huge bummer. They kept telling me to send them money to see the place and they kept on bailing. I asked to get the money back and they kept telling me to send them more money in order to get money back that was already lost. They then kept telling me they would mail a check out. And they did! But it was fake. I have been struggling for a while ever since losing all of that money. I can barley afford my bills at this point and I dont know what to do to how to receiver all of the money lost. I really need help. Its been a big burden on me. I still have all information of the two individuals.
03/07/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NJ
  • 078XX
Web Older American, Servicemember
I was the victim of an elder fraud scheme between XXXX, which included one Zelle transaction on XX/XX/XXXX. My first call to Zelle to report this was on XX/XX/XXXX when I initiated a claim of fraud and was told to follow up on XX/XX/XXXX to check the status of my claim. I called on XX/XX/XXXX and was told that they did not have a status yet but that I should follow up with them on XX/XX/XXXX because there would not be any new information before that date, and, if my funds were going to be recovered, that would happen by XX/XX/XXXX. I followed up with Zelle on XX/XX/XXXX as instructed by The Zelle Fraud Hotline Customer Claim representative and was told that my funds were not recovered and that they could not do anything further to help me get my funds returned to me.
05/14/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • WA
  • 98801
Web
I made an agreement with a breeder over XXXX to purchase a kitten I sent the " breeder '' {$600.00} through Zelle and XXXX. They demanded {$420.00} more on order to " ship '' the kitten from XXXX, Oregon. I asked to see flight information and photos of the kitten at the delivery company, they sent me photos of an XXXX police station at night. After going back and forth for hours, the lady asked if I would speak to her husband. I did yes, please. I informed the husband I would actually prefer to pick the kitten up in person, I live in WA state, a drivable distance. The husband agreed this was a decent option and said he would call me the following day. The next day I waited until XXXX XXXX, and began to call ... No answer, I was blocked from calling and social media.
10/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • TN
  • 38125
Web
I am a small business owner who was affected by the pandemic just like millions of other hard-working individuals and I was awarded two disaster relief loans. XXXX XXXX XXXXXXXX, without consulting me, closed my account and debited my account nearly over {$15000.00} as if I were in receipt of the funds fraudulently causing me not to be able to open accounts at any larger, national bank and Early Warning Services won't allow me to dispute what they have done to remove the erroneous charge-off. I owe nothing to XXXX XXXX XXXXXXXX. In fact, I have been a loyal customer for nearly 20 years, and they treated me like a common criminal within the past year when all they had to do was ask for my loan documentation to verify the loan proceeds that I received for my business.
02/21/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30033
Web
I was a victim of fraud/identity theft. I discovered that someone open a checking & credit card account with XXXX. I contacted them on several occasions with they didnt request my police report or any information. They stated they will put the account in a dispute process. A week later they are saying the information was verified. I spoke with them on today XX/XX/2020 & said the account and information is fraud and they are investigating and will notify me within 30 Days. I contact Early Warning to have this information removed & it came back verified. I sent in another dispute claim and they did not submit it to XXXX. I was informed that it was the same information as last time. No one is doing their job and you cant speak to anyone with any knowledge or sense.
02/22/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 91801
Web
XX/XX/2020 I sent {$200.00} using Zelle to XXXX for payment of a XXXX XXXX from XXXX. I messaged this person on XXXX for a tracking number, but my messages were ignored. I asked for updates each day after that, but no response. Finally, about a week later, when I threatened to open a claim to get my money back since it seemed my purchase was not going to be sent to me, the individual claimed that I was the scammer. They ultimately blocked me and our message exchanges no longer exist. I called XXXX to see how I could get my money back, but I was told that there is nothing that could be done. I would just have to come to terms with losing the money. I was not aware that Zelle did not have some sort of consumer protection and will no longer be using it in the future.
10/07/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Confusing or misleading advertising or marketing
  • CA
  • 94501
Web
I was a victim of consumer fraud, in buying tickets to a Football game. I was asked to use Zelle to pay. I was concerned about this, until I read Zelle 's website, which states " Make every day better with Zelle - a fast, safe and easy way to send money in minutes '' Given that this was listed as Safe, I proceeded with the transaction. The tickets never arrived. When I reached out to Zelle I was told that there is no way to Cancel a Zelle transaction. This hardly seems " Safe '' as they had promised. I looked over their website after the experience, and further found where it said " ith Zelle, you can send and receive money with peace of mind. Safely and easily send money to people you know through your trusted banking app ''. This seems awfully fraudulent to me!
09/15/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NJ
  • 076XX
Web
I was on the private XXXX page of people who sell tickets. This guy called XXXX XXXX showed up offering the ticket I was looking for. He asked me for a deposit and I transferred the amount of {$50.00} to him, he asked me for my full name to transfer the ticket. He appeared to be a normal person on XXXX, as he has a photo with his wife and son. After transferring the deposit through zelle, he blocked me and did not transfer the ticket to me. I called my bank to let them know and they said they can't do anything. I have prints of the conversations. I already filed a report on the FBI website. The bank can find out who this person is, because they can get his information through zelle. This person can be dangerous, because he is using pictures of a woman and a child.
10/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Was not notified of investigation status or results
  • CA
  • XXXXX
Web
In early XX/XX/2021, I disputed FIVE DIFFERENT XXXX XXXX REPORTS ACCOUNTS, and XXXX XXXX REMOVED THE REPORTS a few days later ; however, Early Warning Services Answered ONLY ONE OF THE FIVE DISPUTES. Early Warning Services assures they sent the FIVE XXXX XXXX answers more than one month ago, but I have NOT received FOUR ANSWERS. Early Warning Services says This is BECAUSE THE POST OFFICE IS RETAINING THE LETTERS. Then, I requested an appointment to go to pick up the letters, and some hours later DENIED TO HAVE HAD AN APPOINTMENT FOR ME. Since ALL THIS PROCESS IS SUSPICIOUS, I request an appointment to pick up ALL my answers. I ALSO REQUEST EARLY WARNING SERVICES WRITE COMPLETE ACCOUNTS NUMBERS, AS WRITTEN IN MY REPORT, AND ACCURATE ABA NUMBERS, AS WELL. Thank you!
11/09/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NV
  • 89015
Web Servicemember
I was selling a product online the gentleman stated that he had sent me the full amount I received an email from Zelle support stating that the funds going to be deposited into my account until I verified that I was attempting to send funds or receive funds from that individual zelle support emailed me requesting me to send funds to the individual I sent funds later I found out that it was a scam the representative at Zell so that theres absolutely nothing that they can do and the person can create a new Zell account and my bank also stated that there was absolutely nothing that they could doI was supposed to receive {$1200.00} and then with the {$500.00} that I had sent would be a total of XXXX however I did not receive any of those funds I am just out {$500.00}
11/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60076
Web
I disputed unknown inquiries on my Early Warning Services Report. The company did not want to perform investigation ( XXXX XXXX inquiry ), refused to give me contact information of those inquiries so I can contact them by myself and see why they obtained my report. EWS said they don't have any evidence for the permissible reason of the inquiries and they won't remove the inquiries either. Provides inadequate information. Provides outdated information. And easily spreads my report to who-ever without my authorization or permitted by law, which puts me on a risk of identity theft. The uploaded file is evidencve that EWS doesn't care to who they give access to my file, and when i asked what is the reason they gave to the company in question, they simply ignored me.
12/01/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NC
  • XXXXX
Web
I was selling a XXXX on XXXX XXXX and The Random person Text me like as usual is this available I said yes he said I will come in the morning and asked me do you using Zelle I said yes he asked me for my XXXX I gave it and he sent the money on my zelle but it was fake I didn't get any mails from zelle not even notifications and he called me on XXXX and he said me I sent you money please give it back my money to me he never send it and he was shouting scremming to getting his money back and he was threatening me that he will call FBI and police tomorrow and I got scared I sent the {$300.00} and After that it was scam I got to know Please XXXX help me to solve this issue. to get my money back.I have proof of everything.pictures payments mails chats of the person.
10/19/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 75088
Web Servicemember
I was scammed XX/XX/XXXX of 2021 in an attempt to purchase an item online. I was told to use Zelle with my bank account to the tune of {$1700.00}. Once i sent the money the individual told me that he was unable to send the item that day. the next day he told me that i owed additional money to which i requested my money back. He declined and i reported it to my bank and they declined to refund me since Zelle is for transactions between people you know. I contacted Zelle who denied they had any information to give and told me i would need a search warrant for any further information. I reported it to the police and they opened up an investigation and i have not heard back after i requested a search warrant for the information needed to file in small claims court.
09/19/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • IL
  • 60068
Web
On XX/XX/ a fence contractor XXXX XXXX of XXXX asked me to Zelle him {$3500.00}. The payment options were only Zelle or cash to obtain village permit and materials before beginning the construction. I thought the banks and Zelle would protect me from fraud or fight the other bank on my behalf to get my money back especially if there was a scammer and fraud involved. They have not even tried. My bank ( XXXX XXXXXXXX XXXX XXXX said there is nothing they can do but as his bank ( XXXX XXXX ). They should have protection against scammers and fraudulent transactions. People like him should not be protected. His account should be over drafted or frozen not protected. The fact that I have to be the one fighting instead of the institution is unacceptable and unfair.
12/09/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other service problem
  • NY
  • 11779
Web
I zelled funds from my XXXX XXXX account to someones XXXX account. The {$1500.00} was taken out from my checking account instantly on XX/XX/22. When I contacted XXXX XXXX, I was informed that they can not push this transaction faster and its up to Zelle. Zelle stated that the fund is held up and will take 1-3 days to send to the receiving party. The receiving party called her bank and it was said that the funds is pending. It is UNACCEPTABLE that the money was instantly taken out from my account and is not available to the intended receiver. Obviously, if I send this amount of money to someone, its for an emergency. These financial institutions ( in this case : Zelle, XXXX XXXX, XXXX ) should not be allowed to take a persons money and have it in limbo!
06/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • 07307
Web
Earlywarnings services is in violation of 15 USC 1681 by reporting a XXXX XXXX XXXX account that is notsupported by any evidence. I have submit a letter requesting method of verification to them pursuant to 15 USC1681i ( 7 ). I specifically asked that they verify this account by producing the orginal promisary note with a wet signature, but they have not been able to do so.I also requested that they provide me with details on who conducted the investigation and how did they conduct it, unfortunately my efforts have been fruitless. I spoke to an agent of earlywarnings services by the name of XXXX via phone on XX/XX/2022 at XXXX PM. XXXX notified me that despite XXXX XXXX XXXX reporting innaccurate information, early warning will still continue to report it.
09/03/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 95124
Web
I purchased two used item from someone on XX/XX/XXXX & XX/XX/XXXX, but she didn't shipped it to me. After I made the payment through Zelle, she gave me a XXXX shipping tracking number the next day. ( For the second one, she never give me the shipping information ). The package was delivered to another address by this tracking number on XX/XX/XXXX. I contacted her and she said XXXX scanned a wrong package. The second delivery should be in two days, but it never happened. I was keeping ask her to contact XXXX to find out where the package is, she was always making excuses not to do it. She said she bought the insurance and will refund me if XXXX can't find the package. Now, I can reach her anymore. It was fraud. Her zelle account is XXXX with name XXXX XXXX.
08/21/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • GA
  • 30067
Web
There is a verified account with XXXX followers on XXXX called XXXX XXXX and had good reviews about buying a XXXX. My boyfriend wanted one really bad so I messaged them for more information about it. After discussing information they gave me their Zelle to send {$550.00} to. After it was sent they stated I will get a confirmation number at 3 that day. It now becomes 6 and I keep messaging them to get no response. And now Im blocked. I call XXXX and they stated to contact zelle. Zelle tells me to contact chase. XXXX then says we cant do anything about it. Sorry for your loss. I have the messages and everything about the XXXX and name of the person and phone number but nothing they can do??? This all occurred XX/XX/XXXX. Would love if we could upload photos.
08/05/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 90250
Web
XX/XX/2021 between XXXX and XXXX. Received call from XXXX number after text alerting to suspicious activity on the account. Person said XXXX transaction had been approved and in order to get it back I would need to send it to myself? Stupid. I was half asleep. Person was polite but definitely coercive. Followed instructions to add myself as recipient. I thought, since this is my name, my number, my account, the money will just go right back into my account. Amount was for {$3200.00}. Person made it sound like no matter what I would be out that money and the only hope I had to keep it was to send myself the . Anyway, I called XXXX immediately after to confirm. They were unable to confirm, said that the scam has been prevalent and I filed a claim with them.
08/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 760XX
Web Older American
I received a letter dated XX/XX/2021 from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX the subject of which was : Decision about your recent application for a deposit account I MADE NO APPLICATION FOR A XXXX XXXX DEPOSIT ACCOUNT XXXX XXXX said they were unable to open a deposit account because of information from the following reporting agency : Early Warning Services, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX I made no application to XXXX XXXX and have never heard of this reporting agency before. I visited the reporting agency website but did not initiate contact. I hope XXXX XXXX is not opening up accounts on their own again and I hope this reporting agency is not using this to gain access to personal information.
12/24/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • NM
  • 87106
Web
I sent XXXX $ over Zelle to my housemate for rent on XX/XX/19. I sent it to the correct phone number and my housemate received a text that the money was available but was not given the option to accept or decline the money they simply said it was in her account. She uses an online bank called XXXX for her account and money never showed up in it. Today XX/XX/19 I sent her XXXX $ over Zelle to see if we could figure out where the money had gone but the same thing happened. When I call Zelle they transfer me to XXXX and when I call XXXX they transfer me to Zelle. I can not pay my rent without getting the money back. Zelle and XXXX say they can not help me because the money was " accepted ''. My housemate has not received any of the money in her back account.
03/02/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MD
  • 20886
Web
On XX/XX/2021 I was part of a scam that targeted me as a college student. They pretended to be a professor at my school looking for a student research assistant. They told me to text them my name. They then briefly told me about the job and then asked if I could inquire about some items I would need for the job. It was a laptop, printer, and stamper. They asked if I could make a payment for them if they sent me a check. I said yes. They sent me a check for {$1800.00} and asked if I could deposit it through mobile. I sent {$1200.00} to an email address through zelle that was supposed to be for the laptop. I sent {$1200.00} to the same email address through zelle for the printer. I was suspicious about this and emailed the professor who said it was a scam.
08/31/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • MO
  • 631XX
Web Servicemember
I HAVE SPOKEN WITH SERVERAL REPS FROM EARLY WARNING SERVICES ABOUT SENDING UPDATED INFORMATION TO COMPANIES THAT DENIED ME SERVICE BECAUSE OF THERE REPORT ... XXXX XXXX XXXX HAVE AGREED AND VERIFIED THAT MY ACCOUNT WAS N'T FRAUD AND I WOULD LIKE EARLY WARNING TO NOTIFY XXXX XXXX WITH A REMOVAL RECEIPT LETTER ... XXXX XXXX SAID EARLY WARNING NEEDS TO SEND THEM THE REMOVAL INFORMATION ... EWS IS SAYING I NEED TO MAIL THEM THE UPDATED INFORMATION THEY SENT ME AND XXXX XXXX IS GIVING OUT THE WRONG INFORMATION ... IM GETTING THE RUN AROUND FROM EWS I HAVE SPOKEN WITH THREE REPS THAT GAVE ME DIFFRENT INFORMATION. THEY SAID SINCE XXXX XXXX XXXX REMOVED IT THEY CA N'T SEND ANYTHING TO EWS.SO THIS IS MY DISPUTE WITH THEM NOW TO NOTIFY XXXX XXXX XXXX XXXX ON FRAUD
06/30/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other service problem
  • TX
  • 75062
Web
On XX/XX/2023, I received a notification email from XXXX XXXX XXXX XXXX, my banking institution, informing me that my Zelle account had been deactivated. Promptly, I reached out to XXXX XXXX 's customer service for clarification, only to be informed that Zelle, as a third-party service, was solely responsible for the deactivation. Regrettably, XXXX XXXX was unable to provide any further details or assistance, directing me to contact Zelle directly. Despite my efforts to reach out, I have been unsuccessful in connecting with a Zelle representative, which has resulted in significant frustration. The lack of a proper and transparent process, along with the absence of an explanation for this sudden occurrence, only adds to the dissatisfaction experienced.
03/19/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • PA
  • 19382
Web
I was offered an opportunity to transfer deposits for a church in exchange for getting paid. I was emailed checks on XXXX Thursday XX/XX/XXXX and told to transfer the money the next day at XXXX. I got nervous since I was pretty sure it was a scam and didnt know what to do so I did as they said, and later the next day XX/XX/XXXX, the checks were processed and they were not connected to a bank account. The money had showed up as credit in the morning but werent actually worth anything. I transferred the money I thought I had through Zelle and XXXX, and lost {$5000.00}. These are the emails of the two people who scammed me : XXXX XXXX Here are the Zelle accounts I had to give money to : XXXX account ending in XXXX XXXX XXXX account ending in XXXX XXXX
05/27/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • PA
  • 164XX
Web
XXXX XXXX/Zellepay.com sent money thinking I was purchasing an item and was scammed for {$1600.00}. I didn't receive product out {$1600.00} and my bank of 25+ years won't reverse the charges. It was stated no error occurred. I didn't receive the product and was scammed out of my money. When speaking with customer service representative, they should be required to ask questions to deter fraud. Do you know this person? This can't be reversed? Something put in place to protect people and their hard earned money. Being a customer and never using a product such as Zelle and making large transactions should be some hold before the money is sent. This happened on XX/XX/XXXX. There needs to be some form of protection or products like this shouldn't be legal.
10/23/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • IN
  • 46304
Web Servicemember
On XX/XX/23 Zelle sent me an email stating that XXXX XXXX has use Zelle to send me {$240.00}. I initially tried to link Zelle to my XXXX account, and was told by XXXX there is a 30 day hold, so I could not receive the {$240.00} - because of Fraud associated wit h Zelle. Following Zelles instructions, I attempted to link a Master Card Debit Card with XXXX XXXX. And did not receive the {$240.00}, because XXXX XXXX has said Zelle is not a reputable vendor. Again, I did not receive the funds. Finally, I linked a XXXX XXXX account to Zelle, and did not receive the funds. Zelle has been no help, and stated I should talk to my bank, or talk to XXXX XXXX XXXX. No documents, no tracking, and the money is lost. I would like to my {$240.00} returned.
05/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 75253
Web
Back in 2019, I was a victim of check fraud. There was a negative balance, that was left, I paid it in full and spoke to a XXXX XXXX Branch Manager, and it was supposed to have been fine, since the negative balance was cleared up. I tried opening an account with XXXX XXXX XXXX XXXX and 5 days later the account was closed, upon investigating, I was told it was because of an alert that Early Warning Services had on my credit file. I have contacted XXXX XXXX, I have spoken to multiple branch managers, I have contacted Early Warning Services multiple times and I have been getting the run around, i am not able to join any financial institution because of this. I have done everything in my power to get this removed, especially since the balance is {$0.00}
06/13/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • PA
  • 19151
Web
I tried to open an account with XXXX XXXX they advised me that a company called early warning systems had a bad report on me for checks. I explained to them in XXXX someone tried to use my bank account that I had with XXXX XXXX XXXX all my identity was stolen. I dealt with the same problem with XXXX XXXX and they verified that it was fraud and that I had nothing to do with this. XXXX XXXX removed it I also sent them a police report showing them my identity was stolen in XXXX, XXXX, then again XXXX this has been a on going problem I believe its a family member who lived with me. This person has opened accounts, credit cards, applied for apartment 's and charged cards up that i had. she has had my Identification, bank cards and social security card.
01/20/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • ID
  • 832XX
Web
On XX/XX/2021 I submitted a payment for {$270.00} for a puppy as a down payment. The next day I paid the {$300.00} needed to receive the puppy and I got no response from the seller afterward. I have messaged them in XXXX and through text message and no response. I have sent request through the the app we used asking for the {$570.00} back and they denied all of them. I went to my bank and they filed a dispute which the app denied and I was told there was nothing left to do. I have pictures of the conversation that took place with the seller from the moment I contacted them to the end. I also have a receipt from them signed. I have reported the seller on the social media platform that I found them on and that social media platform denied the report.
09/17/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • FL
  • 33569
Web
My XXXX year old son took my phone without my permission and transferred {$500.00} to a random person on zelle thinking he was buying a XXXX. He told me this person blocked him after and lost all of my money. I was so furiated. had no idea this occurred as I was busy on my laptop. I immediately reacted by calling my bank to say an unauthorized charged occurred. I just want to get my money back. It has already been removed from my bank and I have already filed a dispute. If this dispute doesnt return my money what do I do!? I did not allow for this to happen and i have no idea who the person is he even sent the money to on zelle. I have pictures of their conversation on XXXX. I believe this person is a scammer under a fake name. I will include them
04/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Old information reappears or never goes away
  • CA
  • 93906
Web
As of late 2022 I have not been able to use the Zelle service with my mobile number of XXXX. I was never given a reason as to why I can not use the service with my mobile number. I have made several calls to Zelle and the only information I have been given was that my previous bank has made my number ineligible. My previous bank was XXXX XXXX and I have also made several calls to them in which they refer me over to Zelle support. I do not know why my number has been blacklisted from the Zelle network. This has created a lot of financial issues for me as I am unable to receive rent payments timely. Attached you will find 1. The XXXX Zelle agreement. I have met all requirements to use the Zelle service and would like to continue using the service.
11/11/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • IA
  • 503XX
Web
On XX/XX/22, I was contacted by a fraudster claiming to be from XXXX XXXX. He ( XXXX XXXX indicated that my electricity would be turned off until Tuesday unless I made an immediate payment via Zelle. I paid {$500.00} via Zelle, but XXXX kept indicating that the payment wasn't received. He then said that I needed to pay cash via XXXX. He countered each of my objections with an answer that seemed plausible. I withdrew {$900.00} from my ATM and deposited at a XXXX kiosk in XXXX XXXX. He kept asking for more money and I realized that it was a scam. I immediately contacted both XXXX and XXXX. THe {$500.00} Zelle payment did in fact go through. Both institutions indicated that I could not get my money back. The call that I received was from XXXX.
04/14/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Managing, opening, or closing your mobile wallet account
  • NM
  • 870XX
Web
My husband and moved from XXXX to XXXX. In transit he lost his wallet including his XXXX XXXX debit card. I have an account with XXXX XXXX XXXX XXXX. He was able to link the accounts using Zelle successfully until i changed my phone number from XXXX XXXX XXXX to XXXX XXXX XXXX. Zelle and its algorhythms could not positively ID me despite me having all correct info. Billing address for my debit card SSN phone number. Customer service and tech support said there is nothing we can do. My husband gets paid this friday XX/XX/XXXX. I am a retired XXXX mandated reporter by law well aware of the dysfunction in this country. Actions or failure to act have consequences and result in behavior change by me. Please investigate. Digital currency is not safe.
11/07/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • 10314
Web
Attempted to purchase a stroller on XXXX and seller said payment could not be processed through the app. Requested Zelle payment. Zelle payment attempted however XXXX XXXX XXXX blocked the zelle payment and then locked all my chase accounts. I called XXXX XXXX XXXX to find out why my account had been locked. They stated that the seller 's zelle had been marked for fraudulent activity. They asked if I would like the zelle payment to go through. I told them NO and to cancel the zelle payment. The agent stated the zelle payment was cancelled and would re-activate my account! Once my account was reactivated, I looked at my account summary. In my account summary the unauthorized charge had gone through The charge amount {$400.00} Date : XX/XX/2022
09/02/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • NY
  • 11550
Web
XXXX XXXX XXXX closed my accounts with out giving me any reason when I called to asked why I was told they did not have to give me a reason. Seeking for answers I received my report from Early Warning and its suspected that there was fraud but instead of XXXX XXXX XXXX just telling me to try and resolve the matter they closed my account.I had direct deposit going into the account at the time. I have reported fraudulent activity on the account many times. Ive been a victim of identity theft on multiple accounts that were opened with out my knowledge with multiple institutions and have been disputing to clear my name and also my credit. I have been denied by other banks and credit because of what I have found on My Early Warning Consumer Report
09/05/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 94555
Web
On XX/XX/2019, I exchanged messages on the purpose of buying 2 concert tickets. After all the negotiations, I sent this person half the money - {$200.00} - using Zelle and asked him to transfer the tickets to my XXXX account but it turned out that this person is a scammer and turned off the phone and stopped responding after receiving half the money. I have contacted both Zelle and my bank ( XXXX ) to see if there is any way to stop the transaction or to revert the transaction but apparently this medium of paying someone does not have any fraud protection so is a perfect medium for fraudster. Let me know how I can help provide more info so that this person stops frauding others and Zelle and others can fix this broken payment system. Thanks!
04/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 94619
Web
In 2017 I had a XXXX XXXX Checking Account XXXX. I was a victim of fraud with a XXXX scam where I was sent a check from a third party and deposited it into my bank account believing it was valid. The check cleared and I was able to use the funds as instructed by the XXXX scammer. At a later date it was discovered the funds were insufficient. I notified XXXX XXXX of the scam and XXXX XXXX closed my account immediately. I believed the matter was resolved and that I would not be held accountable for the scam/fraud. I recently tried to obtain a new bank account and was informed that XXXX XXXX is reporting that I have an unpaid account with them for {$610.00} including a {$240.00} reversal fee. I would like this matter investigated and resolved.
01/04/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • AZ
  • 85742
Web
On XX/XX/XXXX my wife tried to do an ACH transaction between her existing XXXX XXXX account - and her XXXX XXXX account. The system message she received was that the connection could not be made - this message came from a company called XXXX We reached out to both XXXX XXXX and XXXX XXXX and they can not see any issue with her account Her XXXX XXXX is set up to accept ACH transfers When we spoke to XXXX they informed us that the information is coming from Early Warning systems. When we contacted them - they would not explain the reason for the hold - our only recourse at this point to fill out paper work with Early Warning system and wait for approx 30 days I believe that Early warning system is fraudlent blocking legitimate transactions
07/14/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NY
  • 14617
Web
I was trying to sell a loveseat online someone contacted me regarding buying it and they said that they used zelle. I XXXX gave them my email account and we went back and forth a few times. They sent me an email saying the money that they were trying to send wasnt working and sent a screenshot. They said to check my email. I got an email from XXXX stating that the buyer needed to send me {$300.00} and {$200.00} on top of that to make sure it goes through. The buyer sent me a screenshot of the supposed {$300.00} and {$200.00}. They then sent me an email stating that I would send the {$200.00} back to the buyer. This kept on happening and I sent them two payments of {$200.00}. They had me send it to the following emails : XXXX and XXXX XXXX
11/20/2018 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CO
  • 804XX
Web
I bank with XXXX, the scammer said they banked with XXXX XXXX XXXX and we should use XXXX. On XX/XX/18 at XXXX MST, I sent {$300.00} to XXXX XXXX XXXX an account under the name of XXXX . The phone number associated with the account is XXXX. I sent the money in exchange for football tickets. I contacted XXXX within 40 minutes of initiating the transfer as it was and is still pending. I was hoping they could reverse the transaction. They said they would file a complaint and that's all they could do. They did not tell me I would get my money back or if I would lose it. I contacted XXXX through their online form and told them the exact same thing. I received an email from them saying someone would get back to me within 2 business days.
05/17/2018 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • KY
  • 40517
Web
I paid for concert tickets via the XXXX app and was scammed. I never received my tickets and attempted to cancel my transaction through XXXX as well as through my bank, XXXX, but both have claimed they are unable to do anything at all. XXXX will not let me dispute the charge. XXXX claimed they could not stop the transaction even though I called immediately after making the transaction and before it has been posted. I also called XXXXXXXX XXXX, the bank which the scammer claimed he has an account with, in order to report someone using an account for fraudulent activity. I was told by XXXX that there is no avenue through which to report something like that. I have also submitted a police report through the Internet Crime Complaint Center.
05/19/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 78665
Web Servicemember
On XX/XX/2019 I purchases concert tickets from someone over the internet. I sent them the money and they sent me the tickets. I go to the concert only to find out that the concert was cancelled. I sent then the money through the app zelle. I have tried constantly contacting the person back for the XXXX dollars i have sent them to be sent back and they never respond but are still active on the social media i connected with them through. I contacted zelle services and they said there was nothing they can do. Same thing with my bank ( XXXX XXXX ) The person I purchases the tickets from gets a refund from the concert company, so this person has just taken my money and also received money back for their purchase from the company themselves.
04/02/2018 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other service problem
  • TX
  • 77093
Web
The amount of {$430.00} was transferred on XX/XX/2018 through my wellsfargo account to a friend who enrolled in XXXX but her bank is XXXX so she never received the money. I opened a claim with XXXX to have my money refunded so I could send it to her in another way but they state that the transaction has been completed and will not refund my money that I have to go through XXXX. At this time XXXX is referring me back to my bank. It's becoming a nuisance that they keep " pointing the finger '' to one another and I still have {$430.00} deducted from my account that my friend hasn't received. She did end up adding her phone number and email address to a XXXX XXXX XXXXXXXX account and it still hasn't been sent to either one of her accounts.
12/15/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • FL
  • 32819
Web
In accordance with the Fair Credit Reporting act XXXX Acct In accordance with the Fair Credit Reporting Act XXXX these bank account XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
05/13/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • FL
  • 33147
Web
On two previous dates I have disputed the verbiage of a checking account closing at XXXX XXXX XXXX XXXX. My account was closed in the Summer of 2017 and stated as fraudulent transactions, yet I have maintained that I am the true victim twice over with lost of product/service and lost of funds/fees. Despite explaining this to banking and consumer reporting officials the statementof fraud remains. I have since reported in full and began a formal criminal investigation into the individual who defrauded me and caused a personal financial stalemate in my life. With the new official information I am hoping that the parties involve will lift the current restrictions and verbiage as I am not indebted to the aforementioned or any institution.
07/21/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 92126
Web
I tried to buy a telephone off of a website called XXXX. The man called me on my phone and had me transfer him money through zelle bypassing the offer up delivery charges. I offered to pay half ( {$240.00} ) now and the rest ( {$240.00} ) after I received the phone. He said he needed the money urgently for rent and would like the rest of the money as soon as he sends me the tracking number. I obliged trying my best to be quick. When I received the package instead of a phone the was a cupcake with only the return address of the cake shop. I tried to get his address from them. With no luck. I have screen shots & an email & a phone # with I am now blocked from. I requested the money back in Zelle several times & was ignored of course.
12/21/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • PA
  • XXXXX
Web
I received a call supposedly from XXXX XXXX ( and it came up on my phone as that ) They got my checking account #, some how went through Zelle and took {$500.00} dollars out of my checking account. My bank said that they tried to recover the funds from Zelle and were unable to. So now I am out {$500.00} and my bank doesn't do lending and I don't know why when CLEARLY IT WAS FRAUD that even Zelle can't refund me the money. Its alot of money plus the holiday but I just need to pay my bills and not bounce my checks. XXXX dollars is one thing but XXXX is ridiculous. If there is any way in helping me get my money back I would appreciate it. If you need any other info let me know. Or if you can't help who am I suppose to be contacting.
09/05/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • MN
  • 55406
Web Servicemember
I am a victim of identity theft and my information was used to open a deposit account with XXXX XXXX Bank, I contacted the bank regarding this matter, I submitted all of their ID Theft Claim paperwork, and the ID theft claim determined that it was a fraud account and sent me a letter as well, which I attached. Now there is a reporting on my Early Warning consumer file for those fraudulent accounts. I made a dispute with EWS and supplied them the letter XXXX XXXX provided me, clearing me from this account. There ( EWS ) response was that they investigated my case and determined that the reporting is accurate, I do n't know how there getting that information because XXXX XXXX told me to provide EWS with the letter so they remove it.
07/15/2021 Yes
  • Money transfer, virtual currency, or money service
  • Foreign currency exchange
  • Fraud or scam
  • ME
  • 04106
Web
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my XXXX XXXX your services. I never look backwards except for learning, nor do I have a proclivity to blame others for my downfalls, however, I cant help but link this enormous loss with the trust I had instilled in your institution, a regulated one.
10/18/2021 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • OH
  • 44094
Web
I was looking to buy XXXX XXXX XXXX tickets and my wife XXXX XXXX reached out on XXXX XXXX to 2 XXXX XXXX XXXX sites. She received a few responses and the one sounded legitimate with a good XXXX page. We contacted through text and set up the exchange with us providing half the money {$370.00} through Zelle through my bank ( XXXX ). I did so and then they asked for the other half of the money before they sent the tickets. I got suspicious and then started piecing together the inconsistencies. The number they are using for me is XXXX. The name is XXXX XXXX. I am now disputing this with XXXX but they are stating Zelle is a 3rd party and it is unlikely they can help us. Please see if you can stop them from doing this to someone else.
10/25/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TX
  • 77025
Web
XX/XX/2022 {$12000.00} I Called my XXXX XXXX XXXXXXXX on XX/XX/2022 to tell them that {$12000.00} was stolen from my account using Zelle. Today XXXX they sent me a letter saying my claim can not be honored, because it showed that the amount was transferred from a device that is consistent with previous valid account and that transaction was validated using an authentication code sent to a valid phone number. I have no clue how this happened. I believe my computer was hacked and that the person logged into our bank account put his name on the zelle list and transferred himself the money. I got the email as soon as the transfer happened and I contacted my bank to put a stop to it ; however I was told that it can not be reversed.
09/08/2021 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • CA
  • 92154
Web
I was trying to buy tickets off someone online. I used the XXXX extension available through my XXXX XXXX XXXX account to transfer the money to the person I was supposedly buying the tickets from. I sent the money and then, when trying to get the tickets, the person didnt send anything. I then requested that they sent the money back to me through XXXX and they blocked me. I contacted my bank and they claimed that they cant do anything since its already processing. I sent a request through the XXXX extension for the person to send me back my money and they never responded. I just really hoped the bank would do something about it, but they couldnt even though the transaction wasnt fully processed, it was still just processing.
12/03/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • FL
  • XXXXX
Web Older American, Servicemember
On XX/XX/2020 I attempted to transfer {$790.00} to a friend, ( name available upon request ) through Zelle from my XXXXXX/XX/XXXX checking account. The money was suppose to go to her XXXXXX/XX/XXXX account. The money did not arrive. I filed a formal complaint with XXXX XX/XX/XXXX and their response was that the issue is with Zelle. XXXX XX/XX/XXXX called Zelle while I was in the branch and the only information they would give is that the {$790.00} was not deposited into a XX/XX/XXXX account. The transaction number is XXXX. I have validated that her name and phone number were correct on the transfer. I have tried to contact Zelle customer service several times without success. They accept no responsibility for losing my money.
12/26/2018 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • TX
  • 75007
Web Servicemember
Person was selling XXXX Tickets on XXXX 'XXXX XXXX We reached a price for 4 tickets to XXXX Game on XX/XX/18, the plan was to transfer tickets using XXXX Ticket Transfer on-line tool. Seller suggested we use XXXX to make payment since XXXX transfer fees were really expensive. Seller gave me his XXXX e-mail XXXX and i transferred {$400.00} from my XXXX XXXX account, that was linked with XXXX. Seller used cell phone number to send and receive text messages, seller cell number is XXXX I called XXXX and learned that the order number was fraudulent and there was no way to track who this person is. I also called XXXX XXXX and submitted on line fraud claim. Claim Number XXXX, phone number for XXXX XXXXe On-line Fraud is ( XXXX ) XXXX
07/03/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • XXXXX
Web
I am a victim of identity theft. I became aware that several credit and checking accounts were opened in my name without my approval, consent or knowledge. From 2016 until present I have not applied for or opened any new checking or savings accounts whatsover with any bank. I bank with XXXX XXXX XXXX which I opened in person in New York. Every other bank account and inquiry on my XXXX and Early Warning Services report is a result of fraud. I did not even live at the addresses that were given to XXXX or Early Warning Services. I am attaching a copy of my photo ID, birth certificate and my current lease showing where I actually lived during this time of identity theft. The only account that is actually mine is with XXXX XXXX XXXX
07/20/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MO
  • 640XX
Web
On XX/XX/2022, I sent {$400.00} via Zelle to XXXX by originating the payment from my XXXX checking account for two concert tickets. The recipient confirmed he received the payment as we communicated over the phone and text message. The Zelle transaction number is XXXX for {$400.00}. The recipient disappeared after repeated attempts to contact him and never provided the concert tickets to me. I notifi ed XXXX and they originally told me the transaction was covered. Upon additional conversations, they told me that I should not use Zelle for such a transaction and the funds were unrecoverable. I also made numerous attempts to contact Zelle ; however, they make it nearly impossible to submit a claim or report the fraudulent issue.
06/03/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TX
  • 78418
Web Older American, Servicemember
On XX/XX/2022, I sent {$1000.00} to XXXX XXXX XXXXXXXX XXXX XXXX as a deposit for a new fence, with Zelle XXXX through XXXX Bank XXXX I called him several times at XXXX, he said he was coming, then nothing! I found him on the internet, because of many other people he has scammed. I filed a complaint with Zelle, they said it was my banks problem, I called and filed a complaint with XXXX, they said sorry, we are not responsible. I filed a Police report with XXXX XXXX, TX, I do not think they even looked into this. I know now that I should of been more careful, but I thought this would be protected like a debit card, or credit card transaction. Institutions should not be able to provide a service they do not claim responsibility.
12/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30318
Web
XXXX XXXX, Early Warning Sign, XXXX are all reporting inquiries on my consumer reports hard and soft inquiries. When declined to remove they will make note of Permissible use thats the reason they wont deletehowever based on the law as follows : 15 U.S Code 1681b- any consumer reporting agency may furnish a consumer report under the following circumstances and no OTHER : Court, written instructions of consumer, credit transaction, extension of credit, employment purposes, insurance underwriting, license, child support. NONE of the inquiries EXCEPT the ones I have direct open accounts with should be on my consumer report AT ALL! Please cure asap or I will move forward with the INTENT TO SUE for each and every valid violation.
03/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 93711
Web
I had an account with XXXX XXXX XXXX and was closed on XX/XX/XXXX, told banking not done as per banking terms. My account number was XXXX. I recently got my banking credit report from EWS and it stated checking account fraud.. which has really made my life a living XXXX by the BoA as I have not done any unlawful activity and I am a victim for fraud without getting any information from me by the Bank. Bank reported all the outgoing ACH as fraudulent on my report. I contacted the risk management department and no one was able to tell me the details of the transactions as fraud and how come all the transactions from XX/XX/XXXX be fraudulent for approximately three years?? Please help me to resolve this matter at the earliest.
08/17/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MN
  • XXXXX
Web Servicemember
I applied to open up a checking account with XXXX XXXX ID : XXXX, and was denied by Early Warning Services , LLC. I shouldnt have any adverse information on my consumer report with Early Warning Services. Early Warning Services is reporting inaccurate information on my credit report, and I am not able to open up a checking account. I have sent numerous letters to Early Warning Services in regards to this matter, and hasnt received any response from Early Warning Services. Early Warning Services is using racist and discriminatory practices against me due to me being XXXX ( XXXX ). Its unlawful for Early Warning Services to be using discriminatory practices against me and reporting inaccurate information on my consumer report.
07/19/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • OK
  • 741XX
Web
A search for Zelle 's Customer Service was made on XXXX. A website was identified with an site address as XXXX. The person answered as a Zelle employee and indicated that my money was held up on Zelle 's server. I proceeded to work with the " so call Zelle representative '' on running an identification verification using Zelle. The phone number I called was XXXX, in which he asked to call me back on his desk phone at XXXX. After instructing me to transfer on Zelle, {$220.00}, in which he assured me was not being with drawn but only to authenticate my location. He asked to perform the same process with {$550.00} for my identification. At this point, I stopped him and call XXXX XXXX immediately to stop the initial transaction.
08/04/2015 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • NJ
  • 07050
Web
Early Warning Service has refused to send me the report that they have on me. On XXXX XX/XX/XXXX I called and requested a consumer Report and the representative on the phone stated that I had to fill out another form and send back. Which I have and I have yet to receive my consumer report as stated. The representative told me that I am reported to them by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Bank. I stated that I wanted to dispute those because two were open using my identifiers without my consent. ID Fraud and I had previously back in XX/XX/XXXX talked to XXXX XXXX XXXX and XXXX about this and told them to close the accounts because I did n't open them. So these reportings are wrong and they should n't be reported.
12/06/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 78414
Web Servicemember
On XXXX XX/XX/XXXX I was scammed out of {$800.00} in total through the Zelle app. I was attempting to sell a desktop computer through XXXX XXXX. A scammer posing as a middle-aged lady expressed interest in the computer, and led me to believe that I had to pay refundable fees so that I could upgrade to a 'business account ' in order to accept the original payment of {$1000.00}. I received several phishing emails from XXXX ' promising that my money would be returned. I am out {$800.00} dollars and have been denied help by both my bank ( XXXX ) and Zelle. I am XXXX and on SSI, and {$800.00} is more than I receive in a month. I believe I have been taken advantage of and am incredulous at the lack of support from this company.
06/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MN
  • 55343
Web Servicemember
Attached to this complaint is a letter from XXXX XXXX Notice XXXX XXXX XXXX informing me my personal information has been compromised. The following information, bank accounts and hard inquiries currently listed and showing on my Early Warning Consumer Report ID : XXXX is fraudulent and the result of the XXXX XXXX XXXX XXXX and identity theft : XXXX XXXX XXXX XXXX, Bank Routing : XXXX, Account : XXXX, XXXX XXXX XXXX XXXX XXXX, Bank Routing Number : XXXX, Account : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Routing Number : XXXX, Account : XXXX, XXXX XXXX XXXX XXXX, Bank Routing Number : XXXX, Account : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX
11/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • TX
  • 78109
Web
I applied for a banking account with XXXX. XXXX could not open the account due to the consumer report that XXXX received for Early Warning System. I contact the company to have my report sent to me. After receiving the report, I submitted a letter to start an investigation on a dispute. I sent a total of four letters requesting documents and validation of the information that was being housed and distributed to other companies at request. Early Warning responses each time calling these investigations frivolous dispute. The process started in XX/XX/2022, it has been over 30 days and 4 attempts for Early Warning to valid the information. The company has failed to provide documents for the information on my consumer report.
07/05/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • CT
  • 06320
Web
I deactivated my Zelle account used with XXXX today, XXXX, by mistake. When I attempted to reactivate/sign up, the error message states the phone number as well as email can not be used with Zelle even though account was just recently deactivated.. Email used is XXXX. The Zelle rep stated the number, XXXX, was blocked due to service violation and did not disclose what the violation is, referred me to a Zelle site which lists various reasons, nothing specific to myself or my account... Needless to say, this is a mere run around, appears to be a bogus answer... I believe bogus because the account was used with no issues in the past, sent money to several people, not used fraudulently, was just active several hours prior...
04/26/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30341
Web
XXXX XXXX is aware that I am a victim of Identity Theft, yet they still have not removed this incorrect information from my report. They also have not provided any validation documentation for the following information : XXXX XXXX XXXX XXXX Early Warning Services is reporting both XXXX XXXX, and XXXX XXXX XXXX XXXX on my consumer report. Despite numerous attempts to have this INCORRECT information removed, it is still being reported. With this incorrect information being reported, I am unable to obtain any membership through my local credit union.It is highly ILLEGAL to report incorrect information. With this false information reporting not only does it violate my consumer rights, but it damages my financial reputation.
03/04/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • TX
  • 75701
Web
Escalating Concerns of a Continuing Identity Theft, of ' a Speciality Credit Reporting Agency known, as ' Early Warning. Inaccurate information Requested for the Removal of Information from the Early Warning Database Systems with 'all Alligences and Alliants, the Dispute or Correct for Accounts in Inaccurate Account Risk, as well as ' Accounts ( 3 and 4 ) plus, years old ', And Inaccurate Errors in Application for a Secured XXXX, that ' are. the Made Causes for a Continuing Identity Theft, prior Addressed in " formal compliant process ''. Contributor ( s ) XXXX XXXX ( Account Risk ) XXXX XXXX XXXX ( Overdrawn ) XXXX XXXX XXXX AZ XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX
03/05/2017 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • FL
  • 33062
Web
EARLY WARNING of XXXX XXXX XXXX XXXX XXXX, AZ XXXX has an entire file on me with inaccurate information and their online portal is not working to submit disputes. My Consumer ID is XXXX First : XXXX XXXX XXXX reported contribution ref # XXXX They have a loss as {$190.00}. I sued XXXX and they provided a debt waiver for me. Second : XXXX XXXX Contribution ref # XXXX saying they had a loss of {$430.00}. This account does not belong to me. Third : XXXX Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX do not belong to me. Fourth : XXXX Acct # XXXX settled with me because they were found to be at fault. I received {$9000.00} and a debt waiver from them. My attorney is XXXX XXXX. Fifth : XXXX Acct # XXXX does not belong to me.
09/11/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • OR
  • 97330
Web
Used Zelle through my bank 's online banking system XXXX XXXX XXXX ) to make a payment of {$45.00} for a concert ticket from my checking account. Seller continued to try to obtain additional money, and it became apparent that it was a scam and he did not actually have a ticket. Contacted my bank because the transaction is still pending to report the fraud and have the transaction cancelled. Customer service ( for Zelle, but contacted through my bank 's customer service number ) stated that I could not dispute the transaction until the money transfer took place, which could take up to 7 days. I stated that the transaction was fraud and that we needed to take action before the transfer was made, but the company refused.
07/14/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TX
  • 77070
Web
I have purchased from a scammer for one of the golden retriever puppies online for {$750.00} via Zelle on XX/XX/2020 and then sent {$1100.00} for shipping insurance via XXXX XXXX app @ Zelle. I have just talked with XXXX about a possible refund on XX/XX/2020, but they have told me that they are not responsible for Zelle. I have also contacted Zelle to try to reverse my transaction, but the company told me that the money has already been transferred, and a refund was not possible. I trusted the bank for Fraud protection and thought that Zelle which is included in the XXXX XXXX app not covering authorized fraud/scam. It should not be the case and Zelle should put out a statement that they do not cover fraud/scam damage.
06/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IA
  • 526XX
Web
Attached is a letter I received from XXXX XXXX in regards to a data breach and my personal information being compromised by the XXXX breach. The following hard inquiries currently listed and showing on my XXXX and XXXX credit report is fraudulent, unauthorized, not my hard inquiries and is the result of the XXXX XXXX XXXX breach that was discovered on XX/XX/XXXX : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX Total Select, XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX Card, XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XXXXXXXX XXXX XXXX
06/20/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • AL
  • 35007
Web Servicemember
I submitted an inquiry about buying a puppy from XXXX. Received an email, decided to purchase puppy for {$650.00}. Was sent an invoice and asked to send payment via zelle. Sent payment, recieved an actual confirmation with a website and tracking number, but was also told another {$900.00} " refundable '' amount was needed to ship the puppy in a ventilation crate. First invoice stated all inclusive. They wanted the money sent to them via zelle again, but I would receive the refund cash upon safe delivery of the puppy. I refused to send them the money, since I couldn't get a response and explanation from the shipping company. Now I get no reponse from the company, zelle has no fraud protection and I've lost {$650.00}.
05/02/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • WV
  • 25701
Web
On XX/XX/XXXX I contacted the person selling tickets to the XXXX XXXX on XXXX. I sent an email and they stated they had digital tickets that they could transfer to me upon payment through Zelle. I requested payment through XXXX but they stated that they did not except it. Zelle was already integrated into my XXXXXXXX banking app and I initiate a transfer of {$680.00} to the seller. The seller and stated they would transfer the tickets to me after which time they did not complete the transfer and stopped communication. The persons email address associated with your account is : XXXX and the holder was XXXX XXXX. Zelle is not helpful in resolving these matters and I was directed to this resource as a source of support.
12/15/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 33707
Web
On XX/XX/XXXX last week, I received an email through my university email for a XXXX XXXX XXXX opportunity. It was really early so I just assumed it was legitimate. I didnt know that you could receipt emails outside of the school as for my entire schooling, outside emails have been blocked. It had not yet been flagged. I have correspondence with this scammer person where I was sent a total of {$5900.00} in checks to be sent to orphanages, {$1000.00} of which was to be sent to XXXX XXXX on Zelle, who was already a Zelle member so the transaction went through quickly. I realized that this was a scam that day and filed a claim with my bank at XXXX XXXX and they have since closed the case and decided it against my favor.
09/28/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • MO
  • 63755
Web
On XX/XX/2021 I was scammed out of XXXX through Zelle from a individual I met on XXXX. I was led to believe I would receive merchandise for payment but never received it and the individual cut off contact. I reached out to the person with no response. On XX/XX/2021 I was scammed out of XXXX through Zelle from a individual I met on XXXX. I was led to believe I would receive merchandise for payment but never received it. I tried to reach out to the person with no response. I contacted Zelle but didn't receive any help. On XX/XX/2021 I accidentally sent XXXX to a individual through XXXX XXXX. I contacted the individual for a refund. They haven't responded. I reached out to XXXX XXXX support team with no response.
09/18/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • PR
  • 009XX
Web Servicemember
I used the Zelle money service to digitally pay for a service. The issue occurred when the wrong email address was entered due to auto correct. This happened for two transactions, and I had written to XXXX and Zelle to fix the issue. Zelle told me to consult my financial institution. XXXX told me that since the money was sent to the email address listed that it was not an error. Clearly it was when it didn't reach the intended merchant. XX/XX/XXXX I originally sent {$530.00} to the wrong email address ; I had put XXXX instead of XXXX. I then made a second transaction on XX/XX/XXXX for {$250.00}. This is unacceptable customer service and is crazy to me, how can companies just rip people off out of money like this?
02/10/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 92240
Web Older American
On XXXX XXXX I paid {$760.00} on My XXXX Acct through Zelle ( their partner of choice on the XXXX online banking app ) that sends monies from a customers acct to a email address. The recipient ( XXXX XXXX ) that runs a social media promotion and sponsorship company ( XXXX ) received the money and turned out to be a fraud and scam me of the entire amount. What boggles my mind is that the biggest bank in the USA and their partner Zelle, have done absolutely nothing to try to recover my monies. To me fraud and scams sent by a banking app must have some sort of protection for customers, with federal backing to help in instances above and beyond their scope to try to recover a victims money. Can you please help me?
03/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11432
Web
There is a fraudulent bank account that is reporting on my EWS and XXXX XXXXeports. I have viewed my reports and I have never opened this fraudulent account. This account has destroyed my ability to create relationships with new banks and is hurting me in ways unimaginable. It is extremely unfair that I have to deal with this when the fault is not my own. As a consumer reporting agency, you too fall under the laws of the Fair Credit Reporting Act. I am enacting my consumer rights by disputing this fraudulent information. According to section 605 B of the Fair credit reporting act, this account must be removed from my consumer report immediately. Failure to comply will be seen as an illegal act under FEDERAL LAW.
09/10/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • NV
  • 89130
Web
I was conned by a scammer, acting as a representative of my bank, into providing information regarding my online bank account. The scammer accessed my account with XXXX, and used Zelle to make a series of unauthorized transactions, in varying amounts, totaling {$2000.00}. This happened within 2 minutes of my call with scammer. I called my bank immediately and froze all accounts, and found I had been scammed. I opened a complaint with my bank, XXXX XXXX XXXX XXXX, who then opened a complaint with Zelle. Both entities refused any compensation, and I currently can no longer make Zelle transactions. I never authorized access to accounts, nor any transactionsbut I did provide sensitive information to a con man.
09/10/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 32258
Web
XX/XX/10 I made a listing on XXXX XXXX for {$1300.00} XXXX XXXX I got an email saying my zelle account was on hold. I had to pay XXXX first. She sent me this email XXXX under XXXX Then I got another email saying that I needed to pay an additional {$700.00} for the XXXX XXXX XXXX XXXX as a secure sales tax This is to another account XXXX under XXXX. This was sketchy so I stopped and checked the email was not actually from zelle. But a fake XXXX They also rushed me to pay and asked for more money to test The email asked for screenshots of my payment and then they would release my full payment for XXXX, plus the XXXX, and the XXXX and then give me a bonus of XXXX. I checked on reddit to realize it was a scam.
04/16/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60827
Web
Despite multiple attempt for early ones to look at multiple documentation from XXXX XXXX XXXX regarding my account early warning systems refuses to correct the status of the account when it was closed. they have literally been most unethical unprofessional people I've ever experience on Earth. I am appalled and disgusted that they have my social security number and personal information. I have literally given them documents in a dispute a month ago showing that my status on the account should be settled it should not be unpaid. early warning systems refused to follow the law and look at evidence that I already gave to them. they have literally done nothing to fix an error that I have proven to be incorrect.
04/06/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • NY
  • 114XX
Web
I attempted to make a rent payment to my landlord using zelle via XXXX XXXX. The transaction confirmation email showed my landlords name and they did not receive the money due to two digits in the phone number being reversed. I called the bank within the hour to report the issue. The bank investigated and refused to return the money that was given to an incorrect person despite the name on the confirmation being different from the name of the person receiving the money. The bank told me to contact zelle. Zelle proceeded to tell me to contact my bank and the person that received the money both accepted the money as well as refuses any attempts at contact. The amount in dispute is {$1800.00} usd of rent money.
11/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07601
Web
I was involved in a class action suit with XXXX XXXX XXXX because of fees and their reporting inaccuracies on my consumer reports such as XXXX and early warning. I received XXXX checks in the mail for all three accounts, however, only XXXX were removed from XXXX, and Early Warning as I have previously disputed the inaccuracies with them in the past. They are still reporting the third account and it is affecting my ability to open a new bank account. I was instructed to contact XXXX and Early Warning as they are the reporting agencies still reporting this inaccurate information. The account below is still reporting inaccurate and I am asking for them to please remove it. XXXX XXXX XXXX Account Number XXXX
12/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • IL
  • 60657
Web Servicemember
This company, Early Warning, is used to verify banking history. They do not provide a way to access your information online or a dispute process other than to MAIL them a letter and include DANGEROUS information susceptible to fraud. I should not be REQUIRED to MAIL a signed and dated Consumer Identification and Certification Form, a copy of one form of identification ( Drivers License, ID Card, Passport or other government issued identification ). What better way to steal someone's identity than to send a driver 's license through the postal service to an anonymous company and their anonymous employees? They list a " secure portal '', but there is absolutely no link to access it anywhere on their website.
09/08/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 33511
Web
I was on a site called XXXX on XX/XX/XXXX, and I was looking for the new XXXX XXXX XXXX XXXX. When I found a decent looking price ( {$530.00} ) I messaged the guy and we talked and told me to send the payment {$530.00} over Zelle. I wasnt aware at the time that Zelle doesnt even have any fraud protection, like XXXX . He lied about a shipping fee, and tracking number fee ended up sending another {$120.00}. In total {$750.00} I sent to this guy and I eventually saw this was fishy, but it was too late. Now Im fighting my bank XXXX XXXX, and trying to get a hold of Zelle. Toda, XX/XX/XXXX My bank told me they did everything they could and their request was denied. I tried calling Zelle and they refused to help.
05/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 100XX
Web
I had an account with XXXX XXXX XXXX XXXX which was tampered with by an unauthorized third party. Around the time that my account was used in a mannerism that I never authorized, I was the victim of a hate crime and assaulted. I was also under the supervision of the XXXX XXXX XXXX in XXXX, New York as a victim of Domestic XXXX where an Order of Protection was issued for my personal safety and security. My checking account with XXXX was used fraudulently and closed. I was then reported to Early Warning Services for " Checking Account Fraud '' showing a XXXX dollar loss. I was also the victim of Identity theft and XXXX XXXX and XXXX credit cards were opened in my name fraudulently and without my permission.
06/23/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 92119
Web
On XX/XX/2021 scammers took over my cell phone through XXXX XXXX pretending to be XXXX XXXX XXXX. They opened an account with Zelle and tried to transfer {$500.00} from my checking account. They were trying to buy bitcoin from XXXX. Fortunately payment was unsuccessful. But I tried to contact Zelle through first XXXX XXXX and then directly to Zelle customer service on XX/XX/2021. I was attempting to get any and all accounts associated with my name and XXXX XXXX accounts closed and deleted. One customer service tells me the other XXXXne has to do it. I just want my account closed with Zelle because I dont want to use their services ever. And never did in the first place since it was opened fraudulently.
12/01/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NC
  • 278XX
Web
I completed a Zelle transaction for {$300.00} to XXXX on XX/XX/2020 for the purchase of a transmission. Per the link sent via text message, the business name is XXXX XXXX XXXX, XXXX XXXX XXXX, the phone number they are texting and calling from is XXXX. Said they did NOT receive my payment, XXXX verified twice that they did receive my payment. Rep I'd been communicating with name XXXX and XXXX XXXX demanded a send an additional {$300.00} in order for them to give me a refund. Refused to send transmission and refused to refund my money. I have filed 3 disputes with my bank and they keep saying the money was received by XXXX XXXX XXXX. XX/XX/XXXX disputes manager says this is a scam but they can not help me.
05/08/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 94303
Web
On Thursday, XX/XX/2019, I was attempting to buy tickets to see XXXX XXXX perform at the XXXX XXXX that night. I found a listing on XXXX saying that a man was selling 2 tickets for {$250.00}. I texted back and forth with the man and ended up sending him the {$250.00} over Zelle. After that he told me that he would be sending me the tickets and then blocked my number and the tickets never arrived. I have spoken with representatives at XXXX 2 times and they have been either unwilling or unable to help me contact Zelle to figure out who the guy is that scammed me. I have also filed a police report. Zelle does not have an adequate customer service line or anywhere that I can find to report things such as this.
06/17/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • GA
  • 30093
Web
I sent {$2000.00} via Zelle to my girlfriend 's account, from my FI ( XXXX XXXX XXXX XXXX ) to her bank ( XXXX XXXX XXXX ), on Tuesday, XXXX XX/XX/2022. Currently, the funds have been removed from my account at XXXX, but have not shown up in her account ( XXXX ). I have reached out to XXXX and Zelle, and she has reached out to XXXX. All three institutions are pointing fingers at each other, as to where the money currently is. She has incurred several overdraft fees due to monies that I/we expected would be available next business day, per Zelle 's marketing model. Our latest update is that the monies will be 'available ' in her account on Tuesday, as Zelle has set the transaction as an XXXX transaction.
08/05/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • PA
  • 17057
Web Servicemember
The company is Zelle and I ( XXXX XXXX ) was a victim of a rental scam. I went out to look at the site and called the Realtor to find out about if the property was up for rent. The realtor told me I had been defrauded and to get my money back. I immediately proceeded to contact XXXX XXXX and report the incident. XXXX XXXX went and argued with Zelle about their red exclamation point regarding unregistered users and that funds would be returned to the user in 10 days. The 10 days came and went and the funds were never deposited. Zelle outsources customer service so that was useless to try and accomplish anything. These are the dates of the transactions via the Bank account XX/XX/2021 XXXX XX/XX/2021 XXXX
10/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Problem getting your free annual credit report
  • MO
  • 63376
Web
In late XXXX I applied for a checking account with XXXX XXXX. They denied the opening of a new account based on a report provided by Early Warning Services and directed me to the company website ( e.g. earlywarning.com ). The company HAS NO METHOD OF ACCESSING A CONSUMER REPORT ONLINE. They require a mailed letter XXXX it's XXXX-come on people ) with which I printed, filled out, and mailed in. I received notification that they were missing a form of identification which I promptly submitted via their web form ( with the original application id entered into the submission form ). I received an automated response that I must submit a form to receive my credit report -- what the XXXX I already did this?
07/02/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Managing, opening, or closing your mobile wallet account
  • NC
  • 27262
Web
This complaint is in regards to Zelle... I honestly can not remember the exact date of the issue, but I used Zelle once about XXXX or XXXX years ago to send payment for financial services, but I was scammed. My bank handled the issue of retrieving the stolen funds, but every since then I have not been able to utilize Zelle as if I was scammer! For awhile I was trying to log into my account and I would receive error codes. But then I noticed I was receiving different error codes each time I tried to log in, so I ended up contacting Zelle, but they did not give me a reason why I was unable to log into my account. I have a business now and some of my customers use Zelle, also some of the vendors I utilize.
05/14/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TN
  • 374XX
Web
XX/XX/22 XXXX $ XX/XX/XXXX I was scammed out of XXXX XXXX I filed a claim, XXXX XXXX XXXX Zelle both failed to conduct an actual investigation and my money was never returned to my account. XXXX XX/XX/XXXX I was scammed again for XXXX $ from a merchant that I use often but this time around they did not deliver what I paid for. I filed a police report because of the lack of trust I have with XXXX XXXX and zelle to conduct an investigation to retrieve my funds. XXXX. I want my XXXX $ back or I will escalade this matter. If nothing is done I will be seeking legal help to get my money back rather its through the courts or XXXX arbitration. I work too hard for my money not to have it returned back to me.
08/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • LA
  • 713XX
Web
Early Warning Services is reporting a fraudulent bank account on my report and it has caused me to be declined for bank accounts and have my XXXX XXXX XXXX XXXX account frozen. I disputed every negative item from my report and all was removed except for one! An account w/ XXXX XXXX XXXX XXXX The acct # ends in XXXX & the consumer ID is XXXX. After getting that information from them, I contacted XXXX who has no record of this account. This account reports as checking account fraud and I have clearly communicated that I was a victim of identity theft and it still isnt removed. I walked into the bank to receive my own money & was treated like a criminal because of the information that XXXX is reporting.
05/21/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • IL
  • 60426
Web
I sent XXXX on XX/XX/XXXX to XXXX thru the XXXX Zelle app.On there website and XXXX page it says Fast and safe service. The recipient didn't receive the funds and it said PENDING REVIEW in the activity. On XX/XX/XXXX, the recipient still didn't receive the funds. I called Zelle and I was told that they would try to cancel the transaction. I paid the recipient in cash the XXXX. I called Zelle on XX/XX/XXXX, my money still hadn't been returned to me. The transaction still has Pending review on it and they told me that it will take 7 business days for the transaction to be sent to the recipient or canceled. I told them to cancel it and return the funds back to my account. They told me that they couldn't.
03/11/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 92104
Web
I was scammed by an online seller through the app, XXXX. I sent {$160.00} on Monday, XX/XX/2020 to a " XXXX XXXX '' that I'd met off XXXX. I sent the money, and the tickets were never sent. I did a reverse phone search for the phone number attached to the XXXX account because that is definitely a fake name. The real name of the scammer is XXXX XXXX. A simple XXXX search told me that. I've reached out numerous times via text, phone, email, facebook ( Again, all available online. ) I just want my money back but my bank refuses to follow up because of the terms of use from XXXX. I think XXXX needs to reassess their terms of use as their app is used entirely by scammers trying to defraud innocent people.
04/15/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • XXXXX
Web
I am a victim of identity theft. My apartment was broken into and several of my identity documents were stolen which resulted in the take over of my XXXX XXXX XXXX checking account. I filed a police report which has been attached. XXXX XXXX XXXX risk department froze my checking account and closed it. I was told by numerous XXXX XXXX XXXX employees over the phone and in writing that no negative information would be reported to any credit reporting agency for any of my accounts. I have now found that XXXX XXXX XXXX has reported the hacked accounts to XXXX and Early Warning Services. Since these accounts were taken over as a result of identity theft I would like the account reporting to be updated.
03/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • IL
  • 62234
Web
I had an existing account with XXXX XXXX XXXXXXXX and at the time i was doing XXXX XXXX through a site called XXXX. I was hired by an individual to do some work which they sent me a {$5000.00} check to be deposited into my account and hire a model for the shoot which is what i did. I never received any money from the bank, thank god, and the account was flagged for fraudulent activity which i had no knowledge of, im just and honest man trying to make and honest living and Ive never scammed anyone a day in my life. But XXXX XXXX XXXX closed the account and put it on my early warning consumer report wnd refuses to remove it after I explained and showed them the supporting documents from the scammer
01/16/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • CA
  • 90012
Web
Recently I got a copy of my early warning report and noticed a XXXX XXXXk on my report. Which is stopping me from opening a bank account with a credit union due to fraudulent activities. I reached out to XXXX in hopes to getting this resolved considering I never opened the account and was able to support evidence that it was open up fraudulent. Only to learn XXXX XXXX couldnt help because the company was sold and this account is over 5 years old and its not currently open. The operator couldnt assist me in anyway as when she looked me up by babe in social it showed I didnt have an account to pull up information regarding it. Im asking this account to be removed as it is tarnishing my credibility.
08/27/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92543
Web Servicemember
Early Warning Signs has purposefully and maliciously degraded me as I called to resolve the two account on my record. The representative, two of them at different times, belittled me and said that I purposely chose to defraud the bank, not knowing anything about my mental or fanatical conditions as the accounts closed. When calling to make good and pay off the debts, I was sternly told that I will still have the derogatory marks left on Early Warning Signs as a punishment and that is quote unquote, and I happen to know that that is not within standards of this great nation as a consumer who has paid off an outstanding debt. I have the right to get them removed from my Early Warning Signs report.
02/19/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 91351
Web
I went to a XXXX XXXX as she advertised on a flyer and all over her front house on a build board and she asked for {$4300.00} dollars because she said I was cursed with XXXX XXXX and my family and children were in danger, I was scared so I zelled her the money and told me to call her back to do her cleansing but when I tried calling her she kept ignoring me and I realized I had been scammed I called my XXXX XXXX to report it and they couldnt do much I also called zelle and they couldnt do much either so I lost mine and my childrens savings because both companies cant get my money back when they can see through their end who I sent the money to I feel let down and taken advantage of it very sad.
02/14/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • GA
  • 31601
Web
{$470.00} dollars was sent through ZELLE to my daughters XXXX XXXX account from my institutional bank XXXX. Zelle payment ID # XXXX. Although an email confirmation was sent from XXXX XXXX that money was sent to the account, it wasnt deposited because my daughter closed the account and once, she remembered to tell me on the sane day of transaction, we had no option to cancel transaction. We have jointly been on the phone with Zelle, XXXX XXXX & my institution to get resolution and for money to be returned only to be told by Zelle, we must go back to the bank & for the bank to tell us to go back to Zelle. Disputes was filled only to be told the bank have no number to reach a live person at Zelle
10/06/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • GA
  • 31406
Web
On XX/XX/XXXX I and another party were victims of a scam. I gave back the funds threw Zelle and they were not sent to that person. Then on XXXX the XXXX an online reversal was done on my account which put it in the negative. I have called the bank and visited the bank where a banker seen that I was a victim of a scam and that my money should be put back into my account. I called the bank on XX/XX/XXXX to find out what was going on in which they told me that they have reached out to Zelle to give me back my money in which has not happened and then I talked to the online banking in which they told me that there is nothing they can do but I need to talk to the person who I sent the money back to.
09/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • MS
  • 39759
Web
I requested my credit score and ''file '' from Early Warning with a certified mailed letter and a domestic return receipt. In my letter I gave Early Warning proper identification up to the Fair Credit Reporting Act requirements and Early Warning denied me my requests because they wanted me to send my social security number to them for more information. Early Warning is a consumer reporting agency with an assumed role and using manipulation tactics to get credit card information ( my social security number is a credit card according to Federal Law ). Early Warning has violated my consumer rights. As of now Early Warning is in violation of XXXX USC 1681g ( a ) ( 1 ) and The Privacy Act of 1974.
04/20/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 91776
Web
A XXXX rental property post emailed me on the inquire of a property. Unfortunately this post and person I had contact with via email and text promised property rental agreement and keys with the transaction of a security deposit that was sent through Zelle to recipient XXXX on XX/XX/2022 from my banking account. I was scammed for {$2000.00} out of my hard earned money. This person used a property address that did not belong to them as well as documents Id, and property deed from a unknown person to scam. I contacted the recipient to refund the money back and has completely ignored my request, I also contacted my XXXX bank and Zelle customer service but I am unable to get my money refunded.
01/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • FL
  • 33458
Web
I recently attempted to open an account with XXXX XXXX and they alerted me that i was in the Early Warning Services and I was denied to be apart of their credit union. But when I contacted Early Warning Services. They told me on the phone they dont know why they said that and they can only provide me with a Report and then I can only dispute anything i find inaccurate on the report. They were suppose to Email me and Mail me the report. I have not received any email or mail from them. XXXX provided me with detials and even a client inquiry number. However Early Warning Services told me they dont use any Client Inquiry numbers and they dont know why XXXX told me that. The letter is attached.
11/08/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Confusing or missing disclosures
  • CA
  • 92116
Web
On XX/XX/2020 I paid rent for my final months of living here at XXXX XXXX XXXX XXXX XXXX in XXXX. I mad one payment for XX/XX/2020 and one for XX/XX/2020 to my landlord XXXX XXXX from Zelle through the XX/XX/XXXX XXXX XXXX. Mr. XXXX is very difficult to get a hold of when it comes to things where it is non beneficial to him in any way. He is also very unreasonable and he told me my lease ends in XXXX on the XXXX. That means I paid XXXX rent for no reason and without my cash I will not be able to find a new dwelling because my rent money is now gone. This puts me in danger of Homelessness during covid19 with my XXXX condition it can even mean death for me on top of the homeless situation.
10/19/2016 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • CA
  • 94587
Web
Early Warning has failed to properly investigate the incident date of XXXX/XXXX/XXXX with the furnisher of XXXX. I 've requested proof of the investiagtion and procedures and never received anything from Early Warning or XXXX. Early Warning has refused to remove the inaccurate information is list in regards to XXXX Account/ Ref # XXXX. I called Early Warning on XXXX/XXXX/XXXX to follow up on the investigation. I spoke to XXXX who gave very poor service and refused to answer questions and decided to hang up on me without incident or providing any level of service. Being that Early Warning is funded by the furnisher of the information Early warning has failed to impartial to the consumers.
04/18/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • WA
  • 984XX
Web Servicemember
On XX/XX/2022 I did a transfer through Zelle from my checking account with XXXX in the amount of {$750.00} for the purchase of a puppy. The next day we realized that we were scammed and I called to bank right away but the money had already transferred. We tried contacting the seller but they wouldnt answer our calls or emails. The bank did an investigation but because of XXXX terms if service they couldnt get the money back. I called the bank once again to reopen the investigation which they did but still had the same outcome. This incident like many others are being overlooked by companies like Zelle, who do not protect the customers. We loss {$750.00} and no one helped us get it back.
11/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 07090
Web
XXXXXXXX XXXX used : Early Warning Services , LLC Attn : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, AZ XXXX Tel XXXX Fax XXXX XXXX XXXX XXXX To verify my checking account. It was denied by this firm as being a legitimate account despite me having an XXXX XXXX credit score. The information provided to XXXX is incorrect and not accurate. When I called the firm above to inquire as to what is going on, they forced me to indicate whether I was over XXXX XXXX XXXX or not and then tried to sell me a medical insurance policy. This is not a legitimate credit reporting firm. When submitted again, it seemed to have gone through but we will see if we get another disapproval letter.
09/22/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 32707
Web
XX/XX/2022 I was trying to sell a couch on XXXX. And someone messaged me about it. We were using Zelle to handle the transaction. Instead of them sending the XXXX $ I was asking for. I was scammed into sending they them {$900.00}. For upgrading my account to a business account and then government fees. The buyer was being pushy about me sending the amount so the so it can be completed and we would get refunded the total amount. Going further into it, the emails and everything they were saying/sending was feeling not right. The buyer kept being pushy about the transaction and even asked for me transaction history. I brought being not comfortable with sending large payments like that.
02/02/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 32828
Web
On XX/XX/2023, I inquired about sneakers for sale on an XXXX account called XXXXXXXX XXXX XXXX. I messaged back and forth and was told that they had the pair of sneakers I wanted in stock and that I just needed to transfer the cost of the sneakers through Zelle. I was given the person 's name and phone number and used Zelle to send them {$150.00} for the sneakers. I gave them the confirmation that the money was sent and they provided me with a tracking number. I asked them why the tracking hadn't moved him the Label Created stage and they closed the XXXX account and I could no longer communicate with them. I trusted them because they had a copy of their LLC Agreement on their page.
04/27/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • 10033
Web
I received a text message from a close friend which who I had spoken to 2-3 hours prior requesting I send her money due to a family emergency. She requested I send her {$450.00} because her card wasnt working and she had to pay a friend named XXXX XXXX XXXX, ( XXXX ). She asked me to send it through Zelle or XXXX. I had sent the money through Zelle and minutes after received a call from my friend saying that her XXXX was hacked and not to send any money because they had just scammed her cousin {$700.00}. My friends phone number is XXXX which the scammer still has access too. I called my bank and they said they werent able to help me because the transaction completed, please advise.
04/07/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 902XX
Web
XXXX XXXX Hello, Sunday, we purchased a cat on XXXX XXXX XXXX XXXX Phone number : XXXX We signed a contract We paid with XXXX XXXX XXXX XXXX - Zelle to XXXX ( XXXX XXXX ) Then, the transporter ask us to pay an additional insurance {$1000.00} XXXX XXXX XXXX XXXX + XXXX ( XXXX ) XXXX and then we check on XXXX ... and it's a scam XXXX XXXX XXXX so second time we tried to buy a kittens only, and it was a scam Then we reached XXXX XXXX XXXX XXXX, who told us they have to block our accounts and create new ones and that they can not refund us, but we have to contact Zelle. Of course, Zelle is asking people to reach the bank ... the ping pong play can begin! XXXX XXXX XXXX XXXX & XXXX
05/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30101
Web Servicemember
Early warning systems has accounts that were open up fraudulently in my name and has refused to acknowledge that Ian a victim of identity fraud, I have sent numerous letters and information proving the identity theft and Im being ignored by this credit reporting agency I want all these accounts removed I do have an attorney who I have hired, I have sent several documents showing my information was compromised and that information has been sent many times, I will keep this complaint as proof of my demand is not met of having these fraudulent accounts removed I will sue In arbitration and force these accounts to be removed and ask for damages to be paid and correction of my report.
03/13/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NC
  • 283XX
Web
Someone created an email account in my husbands name, and created a zelle account. We found out from our bank XXXX XXXX XXXX fraud department the email address is XXXX. We did not create the email and the person who created the email address transferred money two separate transactions within approximately 1 hour between in the amounts of {$500.00} and then {$490.00} from our account to a person by the name of XXXX XXXX who we do not know. I need this zelle account deleted immediately please. I have had no luck for the past 3 days getting in touch with anyone from zelle. Until Thursday we had no idea what zelle was. Could you please let me know what the next step may be. Thank you
08/30/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CO
  • 80020
Web
On XX/XX/2019, using the Zelle app, I sent {$400.00} ( as a security deposit ) to someone who was supposed to become my new roommate. They said after I sent the deposit, that I would receive the keys to my new place. Unfortunately they ended up being a scammer. I drove from Colorado to XXXX XXXX for this and now I have no money and no place to live. Zelle has no policy on this and therefore did nothing to help me and my situation. I have the email of the scammer and they sent me pictures of their I.D . ( which I'm guessing is not really them. ) If that somehow helps at all. But if there's anything that can be done, I'd really appreciate it, seeing as I am now broke and homeless.
09/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MN
  • 55343
Web Servicemember
I received a letter from XXXX XXXX XXXX, XXXX informing me that they had a security data breach and my personal information was compromised, stolen and used by an unauthorized third party. The following information and bank checking and savings accounts currently listed and showing on my Early Warning Consumer Report is inaccurate, the result of the security data breach and identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never applied for or opened a checking or savings account with the listed banks or credit Unions. Full Name : XXXX XXXX XXXX, DOB : XX/XX/, SSN : XXXX
07/08/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other service problem
  • IN
  • 477XX
Web
On XX/XX/2022 I received a text message stating XXXX XXXX XXXX had sent me a payment of XXXX through Zelle, XXXX XXXX owed me this debt and he said he wired it to me but did not say how. I order for me to access these funds ; I had to provide my birthdate, address, phone number, email, and checking account number. After I gave all of this information Zelle had no record of the payment and implied they couldnt do anything about it. The sender claims he made the payment, which he would have had to since Zelle had my phone number to text. The biggest issue is Zelles parent company is a credit reporting agency. I believe they are fishing for private information from consumers.
01/26/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 92626
Web
I contacted XXXX regarding an issue I was having with a refund but unbeknownst to me was connected to a fraudulent call center. They asked me to open Zelle on my bank account and enter some code numbers to confirm my account for the needed refund. At the time I did not know what Zelle was or what it does and was defrauded out of {$3500.00}. When I contacted my bank ( XXXX XXXX XXXXXXXX ) more than once on the same issue, I was told there was nothing they could do and the charges could not be reversed. Trying to contact Zelle directly is impossible, as they just refer you back to your bank. I filed a police report with city of XXXX XXXX XXXX report number XXXX on XX/XX/2021
03/29/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 90032
Web
To whom it may concern, My name is XXXX XXXX, there is a creditor on my EarlyWarningSolutions report that is reporting me for an account that claims to be a charge off and I never signed or had any connection with this debt collector. The confirmation number is XXXX, this account also states I am responsible for a reversal fee of {$370.00} which I was never informed of, this account also lists a phone number which has ever been registered to me as XXXX which is an error. I believe the right thing to do because this account is reported in error that it should not continue to stay on my credit reports anywhere as well as Early Warning Solutions and should be removed immediately.
03/04/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • RI
  • 02907
Web
On XX/XX/2020, I sent {$500.00} through XXXX from my citizens bank account to my sons XXXX XXXX XXXX account, the funds left my citizens bank account but were never credited to my sons BOA account. I contacted both banks on a conference call and was advised the payments failed, and would be returned to the citizens bank account within 14 business days. Today is XX/XX/2020 and the funds are still in limbo. I have called the supervisor working on the case for me from citizens bank and he has not gotten back to me In the last two days. I have sent money to my son countless times through XXXX using his phone number before this and since the issue and this has not happened before.
10/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Public record information inaccurate
  • MA
  • 02151
Web
I keep getting denied checking accounts with banks because early warning systems has inaccurate information and wrong information on there and should be removed I have tried contacting them multiple times to dispute items on there that shouldnt be because they dont belong to me or are not my accounts that show negative history which is completely wrong and I want them removed its preventing me from opening a simple checking account so I can pay my bills and its very stressful when no one can contact me back or at least look into it its not fair and Im struggling trying to pay bills online without a bank account I have to use prepaid cards and its time consuming this isnt fair
07/26/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • WA
  • 98026
Web Older American
I was the victim of a so-called me-to-me fraud on XX/XX/2022. I was told by a scammer that my bank account was compromised and for the account to be save again the scammer will send {$370.00} by the way of Zelle. I was told to make sure to say YES to Zelle and the amount. I had no idea what Zelle is or stands for. {$370.00} was withdrawn from my checking account at XXXX XXXX XXXX IN XXXX Washington. The money was sent to XXXX XXXX XXXX ON XX/XX/2022. I notified XXXX on XX/XX/2022. On XX/XX/2022. XXXX Informed me that there was nothing that can be done, because I authorized the transaction. I am a retiree and would appreciate to get my money back. Thank you, XXXX XXXX
06/05/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30046
Web Servicemember
In XX/XX/XXXX I received my consumer report stating that My account was closed and paid for XXXXXXXX XXXX, which that information was correct. I tried to open another account due to the fact I paid them off and nothing else was on my report. I was then transferred to another representative stating that the account was not paid off and they need a receipt of the payment. I told them I no longer have access to the transaction which happened in XX/XX/XXXX-XX/XX/XXXX. The representative then says that she sees I paid it but the money was a returned payment. I advised that that could not be true. The issue is still not resolved and showing negative impact on my consumer history.
11/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 08861
Web
Consumer # XXXX Hello, Im contacting because Im a victim of Identity Theft. Ive submitted legal and personal documents to 2 companies for remote job opportunities that were scam. I also received fraudulent checks from those companies to pay for quote on quote ( Work material ) but that wasnt the case as those fraudulent checks were the reason why my two previous checking accounts closed which is now shown on my consumer report. I would like to Submit a request in terms of deleting that previous history of accounts shown as closed on my consumer report, Im well aware of the consequences but being a victim of this situation is hurting my chances of opening up a bank account.
11/05/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MS
  • 390XX
Web
On XX/XX/22, I sent XXXX separate transactions of {$300.00} each to an individual through Zelle purchasing a video game system. He had already provided a tracking number and said the gaming system was overnighted and would arrive the next day. After I sent the first {$300.00}, he claimed he did not get it and that there must be something wrong with my bank. So having never used Zelle, I unknowingly sent the {$300.00} again. The next day both amounts had posted to my account. I then found out that this person had sent a counterfeit tracking number. He kept calling asking me to send more money and assured me that the zelle amounts had been refunded but they still have not.
08/23/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60617
Web
I APPLIED FOR A CHECKING ACCOUNT XXXX WITH XXXX AND IT WAS BROUGHT TO MY ATTENTION THAT A INCORRECT CHECKING ACCOUNT RECORD WAS STILL REPORTING FROM XXXX XXXX XXXX IN MY EARLY WARNING CONSUMER REPORT. I HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX XXXX AND ANY ACCOUNT OPENED IN MY NAME WAS FRAUDULENT. I DISPUTED THE INFORMATION AND PROVIDED THE NECESSARY DOCUMENTATION AS A VICTIM OF IDENTITY THEFT. IT WAS THEN BLOCKED PER THE LAWS OF THE FCRA. FOR ONE REASON OR ANOTHER IT WAS RE ADDED! THIS INFORMATION IS INCORRECT AND IS A RESULT OF ME BEING A VICTIM OF IDENTITY THEFT. PLEASE ASSIST. EARLY WARNING IS NOT FOLLOWING THE LAW AND I WOULD LIKE TO LOG THIS COMPLAINT AGAINST THEM.
07/05/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 90221
Web
Hello on XX/XX/XXXX I came across a twitter account with the name Lay_Gloski I have been trying to report her so they shut her down. She probably scammed a lot of people by blocking the victims right after receiving money. I genuinely believed she was actually investing money for us to give us back a larger amount. It was all a lie and I just believed it. She mentioned she was with XXXX and would be able to pay us more than we paid her since shes been trading with XXXX. After I sent her the money she asked. She blocked me and declined my money request, my bank told me they would start a claim but Im not sure how thats going to go as normally scam money doesnt come back.
12/27/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 75024
Web
I used the app XXXX, looking for a new XXXX. I found an XXXX XXXX XXXX for XXXX dollars which is relatively cheap and messaged the seller. His/Her name was XXXX XXXX, they informed me that they could ship the item out which seemed like a good idea at the time but turned out not to be. They told me I could use Zelle which is a money transfer app that I thought had buyer protection but it turns out it didn't. I sent XXXX dollars through zelle and they even faked a shipping label. Zelle will not return me my money and although it is not a huge loss, I would like to stop him/her from scamming others. I have already reported this through the app and no action has been taken.
02/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 49203
Web
XXXX XXXX XXXX has no way for me to contact them to report the fraud going on. I am an ID theft victim, they keep sending me letters stating an account I did not apply for was denied due to my Early Warning Services banking score. They dont check credit reports they just allow fraud to run rampant. CFPB needs to regulate Early Warning better. They are owned by big banks like XXXX XXXX XXXX and it's their excuse by not allowing fraud alerts to be placed on that report and not checking the big 3 credit reports which if they did they would see the freeze and the fraud alert telling them the number they need to call me at to verify my information before going any further.
10/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 398XX
Web
I have been facing an ongoing issue with Early Warning regarding an account that I have disputed as not belonging to me. Despite my requests, Early Warning has failed to provide any verifiable proof or evidence related to this account. I sent multiple letters explicitly requesting specific information in accordance with the Fair Credit Reporting Act ( FCRA ) regulations. Early Warning responded with generic letters stating that my dispute did not offer new information without addressing the verifiable proof I requested. This situation has caused severe consequences, including the inability to open bank accounts, due to the inaccurate information on my consumer report.
07/01/2016 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • NY
  • 10001
Web
Describe what happened so we can understand the issue ... I order my early warnings consumer report after being denied a checking account with wellsfargo. i have found that there are XXXX XXXX XXXX accounts showing on my file with a different ss # and different address that does not belong to me. it has been over 30 days and the information has not been removed. It should not be allowed for any credit reporting agency to put derogatory information that belongs to someone with a different social security #, different address & email account. this incorrect derogatory information is affecting from opening a checking account. i need this removed immediately. XXXX
03/13/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • GA
  • 30016
Web Servicemember
I have been denied several checking accounts due to information that I believe to be related to identity theft on this report. When I requested a copy of the report on XX/XX/2019 I was told that i did not pass the authentication with the operator even though I supplied them with an address that I have resided at for over 4 years. I was then told to go online to print out a request then mail it in and that from the time they receive it to give an additional 15 days to receive the report. Due to the sensitivity of this issue potentially being an identity theft issue I feel as though this matter should have been escalated to prevent any further harm being done to me.
05/17/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • XXXXX
Web
I have already contacted XXXX XXXX and Early Warning a number of times about this they successfully removed the accounts but did not remove the negative information reported about the accounts I have called many times they said the removed it its been well over 4 weeks and they have still not removed this negative information I have uploaded a photo of the negative information and also I have uploaded the previous account that was removed but the negative information is still listed about the account. The pictures I have added are the account numbers that were removed the section I am referring to is listed under ( information reported about closed bank accounts )
01/05/2018 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • FL
  • 32080
Web Servicemember
A client of mine sent me an email with a link to payment made through an app called XXXX. In order to receive the funds, {$1500.00}, I had to enroll in their system as my bank, XXXX, was not a part of the system. After two hours of trying to use their app which is rated a one star for obvious reasons, I contacted support and the tech person said my phone signal was n't strong enough. Of course, that is nonsense. This service is a scam and I can not receive payment through them. I have the email from my client and a file number ( XXXX ) from XXXX regarding this issue. Please close them down. A search of the net will provide sufficient evidence of their malfeasance.
07/08/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Banking errors
  • VA
  • 20112
Web
I was scammed on Zelle for {$1100.00} on XX/XX/2022 trying to purchase merchandise off a seller on XXXX and I was told I can not be helped by XXXX because Zelle is third party and the funds are claimed I dont get how hard it is as Zelle is ELECTRONIC and should be traced. I had sent XXXX then increments of XXXX throughout the next days to 2 different Zelle emails the seller told me XXXX and XXXX. I was told I can only file a police report or deal with it between me and the person, but I dont know the seller. I dont understand how they can not track the money because it is all electronic. I have message proof of the seller scamming me and telling me to Zelle him.
07/19/2018 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CO
  • 80134
Web Servicemember
XX/XX/18 my daughter transferred {$450.00} through XXXX for purchase of tickets. She did not receive the transfer as promised through XXXX. I received a notice from XXXX XXXX that the transaction took place along with a phone number to call XXXX XXXX if there were any questions. I called XXXX immediately ( within 5 minutes after the transfer ) and they said there was nothing they could do to help with this fraud. Upon contacting XXXX they said it states on their website not to send money to anyone other than family and friends. I thought I was sending money to a friend. They will not refund money. Proof of product for sale and conversation with seller attached.
08/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77089
Web
Ive tried multiple times having these items remove from my consumer report and nothing has been done about it under the federal law it clearly states that I have a right to privacy as it is there grave responsibly well as they had no promissible purpose to furnish these my personal information has been put into the world. 15 usc 1681b ( 2 ) - a consumer reporting agency may furnish a consumer report under the following in accordance with the written instructions of the consumer 15 usc 1681a ( 4 ) -congressional findings there is a need to insure agencies exercise their grave responsibility with fairness impartiality and respect for the consumer right to privacy
09/25/2017 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • IL
  • XXXXX
Web
Today on XXXX/2018 my XXXX XXXX account was frizen without any notifaction!! No rmail no call. When i called i find out that because if early warning systems there was a account with XXXX that would not be removed because it was so called verfied and accurate!! Thats was my second time telling early warning I have never had a account with them and they have not sent any prove of signature or anything for this account. Just a letter saying verfied! I have XXXX kids and having my account frozen without any warning is very stressful and dangerous for a XXXX XXXX who is already struggling! This was not the correct way to go about buisness for neither 3 companies
06/27/2023 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • LA
  • 70301
Web
XXXX XXXXI thought I was purchasing a refrigerator and icebox from my sister-in-law and it turns out it was not her. I used the Zelle app through XXXX XXXX to put the deposit of {$500.00} on the two items. XXXX refused to refund my money. I was told to try to get my money back from Zelle. I have report this issue to multiple agencies : XXXX XXXX, Zelle, Representative XXXX XXXX, Attorney General 's Office, Federal Trade Commission, Federal Reserve, and the Federal Bureau of Investigation. The scammer is using the name of XXXX and email of XXXX through the ZELLE app and is scamming people through XXXX XXXX I am also going to put in a complaint to XXXX.
09/12/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • TX
  • 77036
Web
I XXXX XXXX made a money transfer through zelle a financial institution recommended by XXXX XXXX XXXX for the amount of XXXX dollars the transfer was made to a XXXX XXXX account belonging to my colleague XXXX XXXX zelle allowed the transfer of XXXX dollars only requiring the phone number no other information and transferred that amount to the wrong financial institution XXXX XXXX XXXX. This transaction was made on XX/XX/2019 I Made a claim with XXXX XXXX XXXX. Bank institution this claim was made on the XX/XX/2019 the claim came back denied on the XX/XX/2019. I was later informed by calling chase about the denied claim that that amount of money is now lost.
07/23/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • WV
  • 250XX
Web
I disputed information on my Early Warning consumer report I sent Early Warning a copy of my bankruptcy filing document proving the bank account listed on my consumer report was included in my bankruptcy so I requested all of the information under transaction information be DELETED because the information is included in my bankruptcy and that is considered negative information and is preventing me from opening a bank account since the bank account was included in bankruptcy all the transaction history information should and must be deleted because it infers that I have outstanding NSF checks which I do not any longer they was all wiped out in the bankruptcy
10/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MN
  • 55343
Web
I want XXXX XXXX, Early Warning Services and XXXX to add and report the following personal information on my XXXX XXXX, Early Warning Services and XXXX XXXX XXXX and consumer report : Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXXXXXX XXXX : XXXX, Minnesota State ID Card Number : XXXX, Issued Date : XX/XX/XXXX, Expiration Date : XX/XX/XXXX, Home Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, Cell Phone Number : ( XXXX ) XXXX, Employer : XXXX XXXX XXXX Employer Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX, Employer Phone Number : ( XXXX ) XXXX, Employer Start Date : XX/XX/XXXX, Employer End Date : Present, Annual Income : {$85000.00} to {$150000.00}
01/25/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • HI
  • 967XX
Web Servicemember
Since XXXX of 2021 I have repeatedly disputed an inaccuracy with EARLY WARNING SYSTEMS about 5 times to this day to have a XXXX XXXX XXXX account that isn't mine, they never provided me proof of signature when requested about this account. I've tried opening a checking account with XXXX again today to be denied due to this one account that they said supposedly " falls off '' in XXXX of this year. XXXX had the audacity to call my claims and demands for the report to be removed " FRIVOLOUS '' and implied they wouldn't move forward without " NEW PROOF '' for a continued dispute. I keep getting declined due to their negligence and want them held accountable
10/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 370XX
Web
In XX/XX/2022, I requested my consumer report from Early Warning. On XX/XX/2022, Early Warning sent my consumer report labeled as " Comprehensive File Disclosure. '' After reviewing and seeing all my information that Early Warning has been providing to financial institutions, Early Warning is committing identity fraud and violating privacy protection for consumer information. Early Warning has not received written permission from me to disclose such information. I have no contract or agreement with the company to furnish my personal information ( name, SSN, address, phone number, Drivers License #, and banking information ) to any person or corporation.
01/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Problem getting your free annual credit report
  • MD
  • 21215
Web
On XX/XX/XXXX I tried adding my wife to my XXXX XXXX bank account and it was denied. we were told that we would receive a letter in the mail explaining why she was denied. Instead we received a letter from the bank that said to contact early warning systems. we contacted them on XX/XX/XXXX, and we were told it would take 15 days. I understand when the law was passed it took time but with the advent of computers, internet, and email the time frame to send out the reports should be reduced to XXXX to XXXX business days. Additionally, the banks should have to directly provide the information in a letter instead of saying to contact the third party company.
01/10/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • NJ
  • 07712
Web
My application at numerous financial institutions to open a checking account has been denied because Early Warning Services furnishes an inaccurate report replete with outdated and incorrect information, to the respective financial institution at which Im applying. The financial institution then denies me the opportunity to enroll in a checking out due to negative information furnished by Early Warning Services. My outreach attempts and attempts to resolve this issue with Early Warning Services have all been entirely unsuccessful and my entire financial stability is put at risk due to Early Warning Systems negligent information and reporting procedures.
01/23/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • VA
  • 23231
Web
Incorrect information on my account that happened in XX/XX/2015 when i was XXXX XXXX to my daughter and i tried to explain to them that i have losted my card or that it was stolen but they still will not help me in anyway i showed proof that i was XXXX XXXX so their was no way I could have been in New York doing fraudulent activity with my card or my bank account but they still turned me down and would not hear me out i still was denied a real chance to plead my case i stayed in hospital from XXXX in the XXXX XX/XX/XXXX until after XXXX sometime XX/XX/2015 my daughter was born at XXXX XXXX XXXX something XXXX on the XX/XX/XXXX after they induced me
11/13/2018 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 91801
Web
This person was selling football tickets online so I reached out via email and later by texts. The person requested to use XXXX for payment which is associated with my XXXX quickpay so I felt safe to do so. but that person never sent the tickets nor responded, phone Shut off, which I realized it was a scam. I IMMEDIATELY contact XXXX but was told they couldnt cancel or stop the payment from my account as it was an instant transfer even though it was a Sunday the money was still showing pending. so I called again early next day to report a claim, so far the money has not been refunded to me and I received a mail from XXXX saying the transaction is valid.
12/27/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 339XX
Web
its accounts being reported on my XXXX XXXX and early warning report that's not mine due to Identity theft and fraud some even have inaccurate addresses XXXX XXXX XXXX XXXX XXXX XXXX Florida I never lived there and when I went to locate the Adress it's an empty home. Also XXXX XXXX XXXX XXXX XXXX XXXX Fla XXXX never lived there and I never lived in XXXX XXXX XXXX XXXX XXXX Fl XXXX. My wife and I XXXX XXXX were victims of Identity theft and a lot of accounts been opened in Our name some XXXX and XXXX XXXX, XXXX, XXXX XXXX and also Inquiries. Please assist us in getting these issues resolved. This is Our Final step before filing a suit in Federal Court.
11/01/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • AZ
  • 85742
Web Servicemember
My husband ( XXXX XXXX ) and I were both listed as co-owner 's on Bank of America accounts with XXXX 's Uncle ( XXXX XXXX ). These accounts were closed by XXXX in XXXX prior to his death on XX/XX/XXXX. These accounts were closed with XXXX balances and per XXXX XXXX XXXX ( XXXX ) Please see the attached letter from XXXX stating " no adverse consumer reporting was generated ''. Please also reference CFPB Complaint ID XXXX. XXXX was unable to answer why these accounts are showing up on my Early Warning Services ( EWS ). The three accounts ending numbers are : XXXX, XXXX & XXXX. The information listed on the EWS report is inaccurate and should be removed.
12/11/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • MD
  • 21811
Web
A lady named XXXX XXXX said she sent money to me by Zelle. I received an email saying she sent it to me. But it was on hold due to a verification. Says i had to sent a clearance fee. And to do it by text to a number. The person from XXXX wanted me to send money. And XXXX was supposed to be a Zelle Support Agent. They tried to get me to send money but it failed and my account was flagged. They tried tol get me to create a XXXX account but i didn't do it. Now they're mad that i said i would call Zelle to say something about it and they stopped contacting me. I got my account straight and now i am glad I didn't send the money. I knew it was fraudulent.
12/01/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • VA
  • 20120
Web
I was trying to cancel a transfer, so after that I called Zelle customer service using the number I got from XXXX, but it was a scam number. He asked me to download a app that would allow him to see my screen, then he opened the XXXX XXXX program, and then after that he asked me to buy XXXX. I wondered why I should buy when I wanted my money back. After that, when he asked me to send the XXXX that I bought, I realized that he was a scammer and ended the call, but while he saw my screenshot, he saw my social security and he saw my green card. It was XXXX dollar Date XXXX XXXX This is the scamm number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/26/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • UT
  • 84115
Web
Early warning system is now in receipt of my theirs dispute of fraudulent accounts listed on my credit report with them. I was recently denied by XXXX XXXX bank in XX/XX/XXXX for a regular checking account due to EWS credit check of accounts listed on my credit report with them. These accounts had regular fraudulent activity and were closed due to fraud. They should not be listed on my credit report as the information is not 100 % complete or accurate according to the rules and regulations of the FCRA. The data in my report has to maintain 100 % accuracy. EWS fails to honor this agreement to maintain this 100 % completeness and accurate information.
08/12/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 76248
Web
I was selling a ring on XXXX XXXX. Someone contacted me to purchase the item via Zelle as payment. They started having me go through a serious of steps to get the money transferred. I followed in the beginning because the original explanation was true regarding how much money you could transfer from Zelle during a single transaction. This all happened on XX/XX/2022 for the total amount of {$1500.00} ( {$500.00} then {$100.00} ) I contacted Zelle and my bank, XXXX and they both said that it was immediate transaction and there was no way to recover the money and no insurance on the transaction because it was not done with a friend or family member.
08/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MD
  • 21213
Web
Early Warning is currently reporting inaccurate and misleading information on my consumer report. They do not have permissible purpose or my written consent to furnish or share this false information. This is hurting my reputation and credit worthiness. I have asked for verification multiple times and they responded back to me that they do not have access to the account documentation surrounding this alleged account there for they are unable to provide copies of any documents or any verification. If they are unable to verify the accuracy and completeness of this allegation against me i demand this to be removed from my consumer report immediately.
01/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • DC
  • 20009
Web
Early Warning LLC process to obtain a copy of the free consumer report is outdated and cumbersome. It can only be requested by mail or fax. The consumer has to fill out a paper form, and a copy of the person 's license, driver, and passport has to be provided in order to get the report. If the consumer does not own a printer or scanner, printing the form and making the identification copy it is passed on to the consumer. So it is not free. The other three reporting agencies provide the report online, making it convenient and fast. By using such arcane practice, Early Warning LLC discourages the consumer from obtaining the free consumer report.
08/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 946XX
Web
Early Warning System sent me my report. They are reporting fraudulent information on my report and are negatively affecting my ability to get a checking account. I never opened a XXXX account. They are also reporting a Checking account from XXXX thats not even my social security number. I have gave them my FTC report and XXXX and XXXX was both listed on the report along with XXXX XXXX. My identity was stolen and multiple checking accounts were opened in my name. My XXXX account I actually opened was closed due to it being compromised. XXXX stated I dont own them anything so I shouldnt have any negative information in Early warning system at all.
01/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 20746
Web
I XXXX XXXX XXXX is writing you to inform you that you are in violation of the 15 U.S.C. 1681a ( d ) ( 2 ) ( B ) any authorization or approval of specific extension of. Credit directly or indirectly by the issuer of a credit card or similar device. The definition of a credit card in 15 U.S.C 1602 ( I ) the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. You are in violation of 15 U.S.C.1681n ( a ). any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
09/03/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77433
Web
EARLY WARNING SERVICES IS NOT IN COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT! I SENT EWS A DISPUTE LETTER ON XX/XX/2018. REFLECTING ALL 3 NEGATIVE FRAUDULENT ACCOUNTS FROM XXXX XXXX XXXX I HAVE NO KNOWLEDGE OF. EWS RESPONDED TO ME STATING " THAT THE FOLLOWING ACCOUNT WAS VERIFIED '', BUT THEY HAVE NO PROOF OF THE ORIGINAL CONTRACT, OR 100 % ACCURACY FROM WHAT THE RULES AND REGULATIONS STATE WITHIN THE CONFINES OF THE FCRA LAW. YOU ARE NOT ALLOWED TO TARNISH MY NAME, REPORT INACCURATE INFORMATION, THE REPORTING OF THESE FRIVOLOUS OR FRAUDULENT ACCOUNTS IS AFFECTING MY CREDIT WORTHINESS AND I WILL TAKE FURTHER LITIGATION AGAINST THE COMPANY EWS!
05/31/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • KS
  • 670XX
Web
XXXX bank specifically replied that zelle was to initiate fraud on the account # XXXX, for XXXX XXXX XXXX had you close my request for refund and issues with this matter stating to take it up with zelle. We did this and for the record zelle states that XXXX bank since it was an app through there bank needs to resolve my credit for XXXX. XXXX bank is impossible to deal with and reach. Constantly referred to department and department. No resolve to this issue and XXXX keeps passing the buck on resolution of this matter for over a year. There bank even referred this to check systems after I reported it. UNACCEPTABLE> Please help with resolution
10/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information that should be on the report is missing
  • CA
  • XXXXX
Web
Early Warning Services reported FIVE DIFFERENT XXXX XXXX ACCOUNTS. I disputed since early XX/XX/2021 the five accounts, and some days later XXXX XXXX REMOVED MY FIVE DIFFERENT ACCOUNTS REPORTS. Early Warning Services has : 1- Answer ONLY ONE account, and does not want to answer THE FOUR REMAINING ACCOUNTS. 2- Early Warning Services WROTE AN INCORRECT ABA Number in my dispute case XXXX. 3- Early Warning Services WROTE AN INCOMPLETE ACCOUNT NUMBER, which were marked with encrypted xxxxxx that could be used in an fraudulent way. I request a COMPLETE ACCOUNT NUMBERS, AS WRITTEN IN THE EARLY WARNING REPORT, and I REQUEST AN ACCURATE ABA INFORMATION.
05/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • AZ
  • 85260
Web
XXXX XXXX XXXX have wrongly reported a write off negative balance of XXXX dollars for a dispute being raised for a debit card purchase. Despite of reaching discover via XXXX complains and also to correct wrong XXXX XXXX report XXXX is asking to pay that XXXX dollars despite of non receiving of the product and are not willing to sort this despite of multiple conversations and follow ups. And to make it even more worse XXXX has not even furnished a detailed investigation report of on what grounds the credits for the dispute were reverted back. So this needs to be escalated and would like to give one last chance to XXXX to sort this out. Lets see
09/17/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 92503
Web
I was looking for a place to live on my own with my significant other. We found a place on XXXX XXXX. I contacted them and it all started there they played as a renter and an attorney. I sent over {$1700.00} believing I was doing so for a rental. After the last payment was made we scheduled an appointment so we could sign and get the keys but when I showed up to the home there was a lady living there and she told us it was a scam. XX/XX/21 {$40.00} XX/XX/21 {$80.00} XX/XX/21 {$50.00} XX/XX/21 {$280.00} XX/XX/21 {$500.00} XX/XX/21 {$600.00} XX/XX/21 {$170.00} My bank said because they were payments thru zelle that theres nothing they could do.
05/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 342XX
Web
Received my consumer report dated XX/XX/XXXX under consumer ID : XXXX, I notified the company through the Transfer Portal established by the business with confirmation number of XXXX on XX/XX/XXXX. Per the attached documents, are confirmation letters from both XXXX and XXXX XXXX confirming that I am a victim of identity theft. I have disputed the XXXX XXXX account XXXX to be removed as it is the result of identity theft. I have disputed the following inquiries based on identity theft : XXXX XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX Lastly, I have requested an extended fraud alert for a period of 7 years as I am a victim of fraud/identity theft.
07/27/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • AZ
  • 85296
Web
I'm 24hrs post XXXX for XXXX XXXX. Received a call from someone claiming to be with XXXX telling me my power was about to be disconnected for failing to pay for a new utility box because the other had gone bad. Transfered on XXXX @ XXXX {$240.00} from my XXXX XXXX XXXX zelle account to XXXX. Once I understood I was being scammed. I hung up, but I was too late. I then called XXXX XXXX XXXX to dispute the charge and was told that since it had been received thru zelle I likely wouldn't be getting the money back. I then called zelle and was told that I had to go thru XXXX of XXXX to file a report. So you know, a great XXXX XXXX of no help.
04/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 91932
Web
I opened a checking account at XXXX XXXX XXXX XXXX on XX/XX/2020. My application for was approved, I made a cash deposit, was issued a debit card and all was ok. Five days later I received information from XXXX XXXX XXXX XXXX informing me that my checking account had been frozen due to a report they received from a company called Early Warning LLC . Early Warning provided XXXX XXXX XXXX XXXX with countless information about myself which I never approved. Early Warning also provided false and misleading information. Early Warning is in clear violation of federal and state law by providing any information as I never even heard of Early Warning.
05/22/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 339XX
Web
XX/XX/XXXX I received a message on a job I applied to on XXXX. The company emailed me a check to buy the equipment for the job. The gave me a vendor to use. I deposited the money and luckily I could only send XXXX a day through Zelle. On XX/XX/XXXX I realized it was a scam. I called XXXX to alert them about the check and to stop the Zelle payment. It was too late and now I have XXXX less in the bank. Fees on the check for fraud even though I was the one who called them, and restrictions on my bank account. My automatic payments can not go through because I lost the privilege which I didn't know. I told XXXX about the job and it is still up.
09/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 43201
Web
Someone opened an account in my name and I never knew about it. I never opened an account in XXXX XXXX. I never lived there nor did I know about this account. I want this account to be investigated. I have tried to reach out to XXXX XXXX in regards to this account. They contacted me in regards to the wrong account. Early Warning Signs reported an account with XXXX XXXX. i never opened an account with XXXX XXXX. It is a fraudulent account that I never opened. They didn't do a proper application. It was any credit or application or any other account. The fraudulent account number is Account # : XXXX It was a checking account that was opened.
12/22/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • VA
  • 23320
Web
I sent money via zelle on XX/XX/XXXX for a service to a XXXX XXXX. The service was cancelled on XX/XX/XXXX with a promise to refund the monies to me. I sent a request via Zelle to XXXX XXXX to refund the money which was not done. I have correspondence with XXXX XXXX stating she would refund the money but have not received it. I made a dispute via Zelle because the service was not received. Zelle denied my dispute even though I have now been scammed out of my money. Zelle is making it easy for people to scam others and leave them with little to no recourse. I have also filed a complaint with the XXXX XXXX XXXX for XXXX XXXX and her company.
08/17/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • TX
  • 77056
Web
I was robbed of XXXX $ I was called telling me my XXXX had been hacked and I owed {$300.00} so I gave the Zelle man my account info and he robbed me of {$300.00} no XXXX called me after I reported it and said they did not call me. I do not remember the guys name or phone number and my account is locked. Then I received a call from Zelle saying they were going to return my money if I have them my new account info. He said I needed to send money to XXXX at XXXX and I did and he took out {$290.00} I am out {$600.00} and my band said I will not return a refund from Zelle. I am broke now and cant pay my rent. I cant believe my bank wont help me
05/26/2016 Yes
  • Credit reporting
  • Unable to get credit report/credit score
  • Problem getting my free annual report
  • AL
  • 36695
Web
I attempted to obtain a consumer report relating to my banking history via a telephone call to Early Warning Services. Early Warning Services is a credit reporting agency and is listed on the consumerfinance.gov website. During my phone call to Early Warning Services, I was told that I could not have my credit report because Early Warning Services could not verify who I am. I was told during the phone call to Early Warning Services that I would have to fill out a form, submit documents and wait for a month before I can receive my credit report. Early Warning Services is withholding information that I need and I want my credit report.
08/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • UT
  • 847XX
Web
Violation of 15 Usc 1681b and Usc 15 1682. Early warning illegally accessed my credit report, social security number and my private information without my consent and no contract. Then extorted me out of my information to provide me with a report they developed without my consent so they could save my private information and sell it without my consent. This company has violated the consumer fair reporting act. Early warning is keeping me from getting a bank account and are denying me access to credit and adversely affecting my life. They are holding my consumer report hostage for 15 days and refuse to email my consumer report immediately.
03/26/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • SC
  • 29910
Web
I applied for a remote job with a company called XXXX XXXX with data entry position. They interviewed me and went through all the processes like when you apply for a job. After they accepted me they told me they will send me a check to buy equipment through their vendor! They sent me XXXX checks XXXX of the checks amounted to around XXXX dollars after I deposit the balance can not available right away, they said I can zelle their money after the balance was available which I did Zelle their money when the balance of the check went through. After a few days, the check bounced back because it was not clear, fake, ide not have enough balance
10/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OK
  • 731XX
Web
I am a victim of Identity theft. In XXXX 2021. I received bank statements claiming they were my accounts from XXXX XXXX. I disputed with XXXX XXXX, they investigated. They sent me a letter stating they were to remove any and all info about me from the CRAs. In XXXX, same thing happened. They opened accounts in my name, I disputed. They sent me a letter stating they were to remove all info reported about me. I reported ID theft to FTC, XXXX, CRAs. Early warning is still showing information being reported from XXXX XXXX. I want the info removed. As stated and agreed. I have invested too much of my personal time dealing with this mess.
06/08/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • CA
  • XXXXX
Web Servicemember
On XX/XX/XXXX I was scammed on Zelle. I was trying to rent an apartment off of XXXX. I sent a payment through Zelle to hold the apartment. An agreement was signed stating that if for any reason I wanted my money back before moving in they would return my money. After I had sent money I found another place I liked better, I asked for my money back and didnt get it back. I contacted XXXX XXXX which is who I bank with and Zelle which is where I sent the money from both parties pretty much told me well we cant help you that you were scammed to bad. This is such bad business and Zelle and XXXX XXXX should protect their customers against fraud.
07/30/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MI
  • 486XX
Web
On XX/XX/2022 I reported a fraudulent scam that entailed someone pretending to be XXXX XXXX and stating my bill was past due and my power would be shut off. They asked I use Zelle, from my banks mobile ap, to complete payment. I was fraudulently charged {$990.00}. My bank told me to contact Zelle, which I attempted to do, with no reply, just an automated response telling me to contact my bank. This is a circle perpetuated to XXXX over the consumer. I never signed anything, or entered a pin number. According to federal law, under Regulation E of the Federal Electronic Funds Act, this is violating my consumer rights, and I demand a refund.
06/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • TX
  • 77025
Web
XXXX XXXXXXXX XXXX has had me in XXXX and early warning system flagged as fraud. I have never committed any fraud activity on my account I had with them years ago. Overdrafting an account is not considered fraud. XXXX XXXX XXXX has neglected to return my calls or investigate this and remove me from XXXX Early warning system and XXXX XXXX has violated my privacy rights no one ever contacted me to verify this on my consumer history in writing or phone, they allowed XXXX XXXX XXXX to put me into their system without investigating a just and fair. They never verified accuracy of information for 3 years and ignores my investigation requests
10/08/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TX
  • 76137
Web
Yes my complaint is with zelle there add states that you can send or receive money safely and secure the word secure means that they are garunttee that it will be covered and they are deing my claim and I did what that said I desputed it with in the 4 days they say in there app I feel that they are very miss leading and false info on there part because I'm now out of XXXX dollars that I sent and was scammed but there sight says safe and secure I feel they should be held responsible for action and what the app says safe and SECURE means they will stand behind what they say but they should have to pay me back for false info they are saying
07/09/2015 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • NY
  • 11369
Web
The reason for my complaint is that I have been a victim of identity theft and apparently XXXX XXXX Bank, XXXX Bank, and XXXX XXXX XXXX. These institutions have reported Fraud Activity to Early Warning Services and this has prevented me in being able to open a checking account. I contacted Early Warning when directed to them with my Financial institution that brought to my attention the reporting that is showing on the early warning report. I need this removed from my early warning file. I have provided and attached a police report that has been filed with the XXXX County Sheriff 's office. I am asking for this to be removed immediately.
12/06/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • FL
  • 33436
Web
Ive been unable to open a checking account with XXXX, XXXX XXXX, XXXX or any financial institutions due to Early Warning Services LLC restrictions on my Identity/Account. I called XXXX they said I was cleared to open an account, on XX/XX/2022 I went to a local branch in XXXX, XXXX to open an account after I was instructed to by a XXXX customer representative. When the banker attempted to open the account, an error was giving from early warning service LLC and I was unable to open the accounts. Ive been having issues with multiple banks with early warning Services LLC and I would my name cleared from there system and all my information
04/03/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 33023
Web
I was looking to rent an apartment, and I saw that a person published a lot about it and I never saw a comment that said scammer or something, there came a time when I could never find a place or I was never approved of being able to rent it that I decided to take a risk and trust that person on the internet. He asked me to deposit a certain amount ( XXXX $ ) to set aside the apartment because there were many other people wanting to set it aside anyway, I sent him the money and then when he arrived at the agreed time, we called him and he never responded, he blocked us from XXXX and the owner of the building told us that it was a scam.
03/20/2021 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • GA
  • 30127
Web
On XX/XX/2021 and XX/XX/2021 I have been scammed by a person that has impersonated a landlord. He showed me the house, he had the application, and the lease. I payed the application fee that was {$100.00}, I filled out the lease agreement that was {$200.00} and I payed the deposit that was {$900.00} pluse occupant fee that was {$100.00} and then I couldn't contact the person anymore. I have the emails of the people where I was told to send the money the be able to receive the keys for the home. I have his the information on how I found the home that is listed. The phone number that was given to me is ( XXXX ) XXXX-XXXX. Please help me
12/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • CT
  • 065XX
Web Servicemember
On my consumer report it says my account was closed due to fraudulent activity and I am unable to get a bank account heres the issue they say all calls are recorded I called the bank and reported my card stolen originally when all this started. I just need a bank account for my business period these consumer reports are hindering me from progress as a us citizen I never committed any fraud activity and I have yet to receive any proof from them or the bank of any kind they just keep saying the report is accurate yes I had an account but no I didnt do anything my card was stolen I called XXXX XXXX XXXX and nobody fixed it to this day.
11/17/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • OH
  • 452XX
Web
While trying to open an account It was communicated to me that Early Warning Systems were reporting several incorrect personal pieces of information as well as unauthorized accounts on my credit report. I have attempted to contact them several times regarding this incorrect information in the system and removing these accounts. I have attempted to verify myself several times with calling, sending in up to date Identification and utility bill, as well as attempts to verify online. EWS refuses to validate the information or correct the information as well as continue me no access to the dispute process because I have not been verified.
05/16/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 93727
Web
I'm a XXXX. They were hiring me to XXXX XXXXXXXX for a company. I looked up the company and it was legit. She was impersonating an event coordinator and sent me a prepaid check of XXXX dollars. It cleared my bank account. I checked and the money was there. The excuse was that the event had been canceled because of covid restrictions. They let me keep XXXX dollars and asked me to zelle the accountant for the company back the {$2000.00}. My bank was blocked. The money left my bank account and their check bounced or was canceled. Neither zelle nor XXXX XXXX have any steps or protection for fraud. I'm left owing the bank back {$2000.00}.
04/08/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32177
Web
early warning credit systems or ealry warning is commiting crimes and causing people not to have bank accounts to live their lifes. they have misleeding info on people credit files and banks turn away good people. i XXXX XXXX XXXX am one of the people they are trying to hurt with their lies. i did not give any athuasashon to have my name in their system and if i did i was not aware of it i revoke my name and my social in their system and they must remove me from the sytem or i will seek legal console. an in turn another compney that is going to halfto purge my account its XXXX they must purge my account or legal action may take place
07/29/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • AZ
  • 85326
Web Older American
On XX/XX/26 I paid my landscaper thru zelle. He said he didn't get the transfer. I showed him the notice that they sent saying they sent the money. The a few minutes later got another email from them saying that it will be on hold for 24 hrs and he will get it the following day. Two days later he called to let me know he still has not received the funds. I called them on the XXXX at approx XXXX and they said then he would have ot this morning in his account. And still has not occurred. They took the money the second I sent the transfer request and have been giving a run around ever since. Thanks for any assistance you can provide.
07/08/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • OH
  • 45039
Web
I have an online friend whom Im close with. Someone made an online account pretending to be them and asked me for money. I sent {$75.00} Using Zelle. After I sent the money I double checked the accounts on XXXX and confirmed that I had been tricked. I called the bank right away to cancel the Zelle payment but the customer service rep said it was too late and I had to wait for the money to go through, and then I could dispute the payment. I disputed the payment the next morning, and today I get a letter in the mail from the bank saying that they do not think there was fraud and so they wont refund the money that I was tricked out of.
04/09/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Overcharged for something you did purchase with the card
  • CA
  • 90720
Web
I am selling some items on XXXX XXXX. This individual " XXXX XXXX '' ( XXXX XXXX ) XXXX or XXXX... made an appealing offer that they were going to pay me {$400.00} but I had to send {$300.00} first in order for my account to become a business account. However, I soon realized that ZelleXXXX never had such an extensive process and the transaction itself took so long so that's when I connected the dots. If you're ever in this situation, try to keep in contact with the scammer for as long as possible and get as much information as you can. I am secretly reporting this individual in hopes to get my money back. Watch out for yourselves.
10/14/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • IN
  • 46304
Web
XXXX XXXX used Zelle to send me {$240.00} on XX/XX/22. And I received a receipt from Zelle via email confirming the transfer. I have never received the {$240.00}, and XXXX has stated that I am correctly signed up for Zelle, with the proper email address. XXXX had record of the Zelle {$240.00} deposit. Zelle customer service has been Zero help, and have referred me to XXXX, and XXXX has no record of Zelle transferring the funds. The money is simply lost. And again, Zelles foreign telephone answering service employs have provided no help other than wait longer, now 28 days. I would like my {$240.00}, and accountability from Zelle.
02/17/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TX
  • 79925
Web
On XX/XX/2023, {$15000.00} was stolen from my XXXX XXXX XXXX savings account via Zelle. This happened as I sat in the bank lobby waiting to talk to a banker and after a teller had confirmed that I was speaking to XXXX XXXX XXXX fraud department on my phone. By the time I was seen by the banker, my entire savings account had been drained. Neither XXXX XXXX XXXX or Zelle want to take any responsibility for this. I've already received my refusal letters from XXXX XXXX XXXX and am expecting my Zelle refusal any day now. I have filed a police report and will be contacting the Texas attorney general if my money is not returned to me.
05/07/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • CO
  • XXXXX
Web Servicemember
XXXX XXXX XXXX reported to XXXX that I was suspected of fraud and closure status unpaid. I never had an account in fact, I tried to open an account and was denied. The bank refunded my XXXX $ deposit and cashed it at XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CO XXXX. This is by far the worst thing anyone could have on there account. Since emailing the CEO of XXXX XXXX XXXX XXXX of customer relations has tried to tell me to stop the dispute and they would remove what is on my credit report. I pay high interest on my car payment and insurance currently. please help me resolve this is by far the worst thing anyone could go through.
06/30/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • VA
  • 20147
Web
I was requested by a XXXX XXXX XXXX an amount of {$1500.00} as deposit for a rental apartment in XXXX. This amount was sent by XXXX XXXX Zelle on XX/XX/2023. Upon arrival to the apartment, he/ she never showed up and there was no such apartment as well. I have never been a victim of such a scam. A previous payment to XXXX ( @ XXXX ) to the same person of {$850.00} was refunded by XXXX. This was part payment to the same rental. The Zelle payment is being denied by my bank XXXX XXXX as " nothing they can do ''. Claim : XXXX Zelle Transaction ID : XXXX The name in the lease is XXXX XXXX. Payment was requested by a XXXX XXXX XXXX
08/10/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • CO
  • 805XX
Web Older American
On or about XX/XX/2020 I tried to open a checking account at XXXX XXXXXXXX XXXX. This request was denied and a few days later I was told they base their decision on information obtained from Early Warning Services. I looked them up on the internet, completed the request for a consumer report and uploaded the request to their website per the website instructions. This was completed on XX/XX/2020. After repeated emails asking them for the status of the request I have not received a response and have not received the report. They were supposed to send the report within 15 days as required by the FCRA. It has now been almost 45 days.
04/30/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • KY
  • 40291
Web
I received a text message this afternoon XX/XX/2023 around XXXX from what I thought was my bank that someone was trying to Zelle {$3500.00} from my account. Not to long after that I received a call from who I thought was my bank and spoke with a guy that told me he was from XXXX XXXX and told me if I knew a XXXX XXXX of course I said no and he told me I must Zelle myself money because my account was hacked and he sent me code. I honestly thought the call was genuine cause he seemed like he was trying to help me I had no idea I was being scammed. I only had XXXX in my checking so I then had to make another Zelle transfer of XXXX.
02/03/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 34231
Web Older American
I received an email about a problem with my XXXX acct. There was a balance that needed to be paid so I contacted the number on the email and followed instructions to set up my bank to pay. I was instructed to enter my bank acct # and was asked to perform " TESTS '' which deducted payments from my bank to two names and emails. Two amounts XXXX XXXX XXXXere sent to XXXX XXXX XXXX, XXXX, and XXXX amounts XXXX, XXXX to XXXX, XXXX. I was instructed to perform these transactions under the understanding I was fixing the connection to pay my bill. My bank said since " I '' made the transactions they went through and the money is gone.
04/23/2015 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • MI
  • 483XX
Web
Early Warning is reporting fraudulent information on my credit profile and refuses to block the information pursuant to the Fair Credit Reporting Act. I submitted my identity theft report along with a police report to Early Warning on XXXX XXXX, 2015. On XXXX XXXX, 2015, I was told that Early Warning will not comply with the Fair Credit Reporting Act, Section 605B and will continuously report fraudulent information and cause harm to me in doing so. I was told via the telephone from a representative of Early Warning that XXXX XXXX XXXX " confirmed '' the information and will not allow them to block it despite it being fraudulent.
06/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • NY
  • 10468
Web Servicemember
I am submitting this complaint against XXXX XXXX XXXX because based on their consumer history report of me I am unable to open an account with other financial institutions at the moment. I am filing a complaint against all of the diminishing details they have of me causing this to happen. I do not recognize any of the discrediting transactions made on my account because my accountwas compromised electronically in the past thus revealing my personalinformation to fraudulent personnel making those transactions possible. Therefore, I am disputing those transactions and all of the defamatory information of me on my consumer report.
03/04/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • GA
  • 301XX
Web Servicemember
I was the victim of fraudulent activity from someone posing to be a company and led me to pay for a service that I never received. I paid a total of {$4000.00} via zelle. I called chase to open a claim and they told me they can not help me and closed the claim. I also called zelle and they said I have to call chase. They did not help me and these people are still out there scamming other people because nothing had been done at all. The recipients have disappeared Zelle payments were made to a XXXX XXXX On XX/XX/2022 for {$2000.00} XX/XX/2022 for {$500.00} XX/XX/2022 for {$500.00} XX/XX/2022 for {$500.00} XXXX XXXX for {$500.00}
05/26/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 91367
Web Servicemember
I contacted early warning services and XXXX XXXX XXXX in reference to my checking account. I resolved all of my responsibilities. I experienced major issues with XXXX XXXX XXXXXXXX improperly noting my account from a deposit error. They charged excessive fees, I paid even though it was erroneous just to restore my good name. Im a XXXX XXXX, 100 %. Im not rich. I was recently still denied a new checking account because after contacting both companies no repair has been made. Ive now been constantly battling identity theft since 2001. Its disheartening and exhausting. Please compel this corporation to remove the negative reports.
09/19/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • 11801
Web
I got scammed on XX/XX/XXXX on a sunday between XXXX XXXX and XXXX XXXX of the amount of XXXX dollars I was sopost 2 send a 1 time payment 2 this women but she scammed me in texting me as if it was zelle assuring me that my money didnt go through due to my protection and my money was refunded so I kept trying and yea she just ended up scamming me preety bad I have the documentation for proof and zelle nor my bank want 's 2 refund me so Im here asking for help please and thank you there must b something I can do this women did fraud and pretended 2 be zelle and I'm a fool for falling for it but had no clue zelle didnt do that
06/16/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MA
  • 02184
Web
Made a agreement for a bag listed on XXXX with XXXX XXXX ( XXXX username- XXXX XXXX. She posted a bag and I made her an offer. She messaged me in a comment saying she would accept my offer if I did it off PM and send her money via Zelle. I said I would pay half ( {$400.00} ) and the other half ( {$400.00} ) when she sent a video fo her shipping and the XXXX tracking. I just got the box today and it is a weighted ball. No bag! The XXXX label says name XXXX XXXX ( XXXX ) XXXX ( which is the number we later texted on ) and the address XXXX XXXX XXXX XXXX In, XXXX ( not sure if this is her real address ). No recourse from Zelle.
05/16/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • NJ
  • 07050
Web Older American
I received XXXX emails from XXXX persons from Zelle. I sent back a response email to cancel the transaction because I did not authorize it. After the second email, I called the phone number in the email XXXX XXXX XXXX and talked with a XXXX @ XXXX pm for XXXX min. Spoke with XXXX, because the call did not go through he first time. XXXX told me that someone was trying to send me funds and wanted to know the name of my bank. I told him that I would not give him that information. XXXX emails from XXXX XXXX XXXX XXXX email from XXXX XXXX XXXX I can send copies of the emails. I do not remember having a zelle account in my name.
06/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • IL
  • 60640
Web
I have contacted Early Warning Services 3 times over the last year, and have asked for a report so i can see why my bank accounts applications keep getting denied or frozen ( ie my current account is frozen due to a report from XXXX and the bank wants the issue cleared up before unfreezing my account ) Ive called EWS submitted photo ID and they are unable to tell me anything about the freeze, while the agents are polite they always say the same thing, my report will be mailed to me in XXXX days, or emailed within 14 days. It has never been sent and I have called 3 possibly 4 times over the last year and never get the report.
02/10/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 754XX
Web
My grandmother got her account remotely accessed and her money was transferred on Zelle not by her authorization she was under the impression that a bank employee was helping keep potential scammers out of said account. We contacted the bank on XXXX XXXX. On XX/XX/XXXX they denied it because they filed it as a scam instead of fraud. I just want her money returned to her as it was unauthorized and the bank wont do anything and make it seem like its her own fault that her account was accessed. They closed the checking account and were waiting to hear from them. XXXX XXXX XXXX is the people Makin it seem like its her own problem
11/12/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 32566
Web Servicemember
On XX/XX/2022 I was scammed on a XXXX purchase for wheels. I used Zelle that was offered through my bank ( XXXX ) app and transferred {$1000.00} to someone who obviously isn't real. when I tried to reach out to this person I was blocked from messaging them. I did not know that I was being scammed but I felt confident that XXXX would have a way to protect me from something like this. When I filled a dispute through XXXX they said that reimbursement was declined because of Zelle 's policy. Why would XXXX support a company like Zelle!? XXXX is a military banking system and they can't even protect us from scams? this seems crazy!
07/29/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • PA
  • 15317
Web
My bank called me and told me that my Zelle account was hacked and I had to reimburse myself. The money was then sent not to me but to someone else. XX/XX/22 {$1000.00} then {$500.00} = {$1500.00} Same number as my financial institution. My bank said they could do nothing it was an external account. But its linked to my bank and offered through my bank. I have attached screen shots of the number and the Zelle account and one transaction that did not go through properly that shows my own name not the hackers. Also, several emails from my bank showing the differences in names. The names were switched somehow to the hackers.
05/22/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • XXXXX
Web
Money transactions with Zelle via XXXX XXXX XXXXXXXX, reported as Business Under False Pretense / Fraud. The check ( s ) the employers provided have been termed fictitious by the bank ( s ) involved and subject to chargeback ( s ). The recipients received money as contractors for Equipment and Softwares to supply me, a New Hire, with an Employer Qualified Home Office. The company name and activity was/ is noted/ memoed on the transactions. ( Business Name, Reason, Item ) No goods or services have been received to now, and delivery tracking was promised by the authorizing party for an approximated date : XXXX XXXX XXXX XXXX.
04/24/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 92583
Web
On XX/XX/XXXX I made a {$300.00} Zelle transfer thru XXXX XXXXXXXX XXXX App. The person I was sending money too was named XXXX and his email was XXXX. I was ordering a XXXX XXXX XXXX XXXX from him. Once I sent him the money he told me he would mail it out first thing on that following Monday morning and that he would send a confirmation email plus tracking number. Since that day I have not heard from this person, he is not responding to my texts, he has not returned my calls, nor answering my emails. Oh boy, I think I was scammed! I have already contacted Zelle and my bank 's recall team but they said they could not help me.
01/24/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other service problem
  • CA
  • 95678
Web Servicemember
Zelle responded to my complaint without completely understanding. I accept the fact that I sent {$200.00} to a stranger, I wasnt asking for that refund! If I call zelle support ( their number I got online ) and they make me transfer money around to get a refund, and then cant help me when past a certain point, then i refuse to let this go. I want my {$800.00} back from Zelle. And I want my {$480.00} back as well. I called Zelle support multiple times and no one seems to understand that I was not scammed by a scammer, I was told XXXX XXXX XXXX XXXX XXXX BY A ZELLE REPRESENTATIVE. Zelle owes me the money they took from me.
01/14/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • NY
  • 11103
Web
XXXX XXXX, 2020 I was sent a text claiming to be my Bank saying I had fraudulent charges. After replying to the text I received a phone call. The number they used was actually my bank 's fraud line, but not actually them. They asked me about " recent charges ''. They stole my social security number and tried to Zelle {$1000.00} from my account to another account. That other account used a cell number to collect the money which I still have ( XXXX ). After hanging up the phone when I realized something was wrong I called my bank to report all of this. I then called the credit bureaus to report that my social is compromised.
10/24/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • IN
  • 46208
Web
I recently was denied a bank account because of early warning services LLC reporting incorrect and inaccurate banking history on my behalf without proof of misconduct and I certified mailed them 2 separate letters to get my information and history removed from their database from XXXX to XXXX and I have not heard anything back from them and havent received a return letter with a response. So I want my file removed from their system immediately, and it is creating me a financial hardship with me not being able to open a bank account to receive my direct deposit from my employer. Thank you for helping me resolve this matter.
09/02/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NY
  • 131XX
Web
I was approached by a man acting like a girl on the app XXXX. This poser then proceeded to tell me that they had dirt on me and that they would expose me to all my family and friends unless I gave them {$300.00}. Which I just got to college so I was scared and complied. After doing so I realized I shouldve never had listened and sent the money. I paid {$200.00} of that {$300.00} through zelle and after this I reported the transaction and reported it as a scam. I called and filed their reports numerous times and they told me there was nothing they could do to get my money back which is why im sending a report in now to you.
02/02/2021 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • WA
  • 98684
Web Older American
I was having a technical issue with my gmail account. I called the XXXX XXXX customer service number. A supposedly XXXX technician said he could help me and need to access my computer. He said it had been hacked. He said it would take an hour or so to fix and then it would be a charge of {$89.00}. When it was time to pay he got access to my bank when I was trying to pay online and changed the amount to {$990.00}. My bank said that they could not help me that I allowed it which I did not. They are unable to refund the money. Please do not trust the internet phone numbers. This was a total scam and I am so ashamed and angry.
09/29/2019 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • MI
  • 482XX
Web
A seller contacted me to sell me tickets on XXXX for a concert, provided me with proof of purchase, an email confirmation of the tickets. I purchased tickets for a XXXX XXXX concert in XXXX, New York on XX/XX/XXXX for {$200.00}. I sent the recipient money to his girlfriend 's account through XXXX Zelle through my XXXX XXXX. The seller said he was sending me the tickets and then blocked me on XXXX and I lost all contact with the seller, never receiving the tickets. I called XXXX XXXX and they told me that there was nothing they could do since the money had already been delivered, however, it was still pending in my account.
09/07/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 94040
Web
I was selling a couch on XXXX XXXX. The scammer sent me messages stating that because of my Zelle account limitation, he had to send me extra {$400.00} dollars from his business account. I received a " Zelle '' email stating that I need to refund the sender that {$400.00} dollars before I can receive any payment. The scammer sent me snapshots of pictures of bank transactions. I sent the money via Zelle. Then I received another email from " Zelle '' stating that I need to send more money. I realized this is a scam. I hope the company takes action against the scammers and change their policies for not protecting consumers.
03/23/2023 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • LA
  • 70094
Web
I have a case number with XXXX XXXX XXXX. XXXX owes me for zelle money the was fraudulent taken from my account. They wanted me to handle zelle but zelle tells me the want to speak to the bank and the bank tells me to talk to zelle. Its just back and forth. XXXX has never tried to help me. Zelle or the bank owes me XXXX. This money was sent to people I dont know. Ive sent them all my information with the people that the money was sent to. I had know control of my account when the fraud hit me. I just want this fixed. Between zelle and the XXXX XXXX I feel all my money is stolen from companies that should be helping me.
02/28/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • NV
  • 89148
Web
See response letter from company, however the following tokens are still, in fact blocked : XXXX XXXX XXXX XXXX XXXX XXXX All are blocked or tokens are blocked on their system, so they are not correct in their response that I have no blocks. That is false and untrue, when speaking with the zelle reps, the reason these are blocked are from confirmed fraud from XX/XX/2022 and they will not provide any explanation of what the confirmed fraud is. I did not confirm fraud on a zelle transfer. If there was reported fraud, if we have the user 's full name, we can then confirm that the fraud is not legiminate and is not the case.
10/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 91001
Web Servicemember
XXXX ( EARLY WARNING SYSTEMS ) HAS PREVENTED ME FROM HAVING A NORMAL LIFE. I HAVE XXXX BAD CHECKS AND THEY MALICIOUSLY CALL EVERY FINANCIAL INSTITUTION I APPLY TO AND CONVINCE THEM WITH FALSE INFORMATION TO CLOSE MY ACCOUNT ( S ). I HAVE ONE BLEMISH ON MY HISTORY. I LEFT AN ACCOUNT OPEN ( XXXX XXXX ) WITH XXXX DOLLARS IN IT. I CHANGED ADDRESS AND DID NOT MONITOR ACCOUNT. THE CREDIT UNION ALLOWED A ONLINE SUBSCRIPTION THAT I WAS UNAWARE OF TAP THE ACCOUNT UNTIL IT WAS XXXX IN THE NEGATIVE. ON THE REPORT THEY PURPOSELY LEFT THE DOLLAR AMOUNT BLANK, SO THAT CREDITORS WOULD BE WARY AND NOT PURSUE THE BUSINESS RELATIONSHIP.
11/27/2018 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • FL
  • 34744
Web
On XX/XX/XXXX I went on a run and lost my phone which has my bank account app on it, which in turn has XXXX built into the bank app. I was able to retrieve my phone on XX/XX/XXXX, however, I found someone had authorized a XXXX transaction on XX/XX/XXXX within my bank app of {$360.00}. The payment was sent to an email that I have tried to contact with no response. I filed a complaint with my bank and have been denied. This was not an authorized transaction whatsoever and would appreciate my money back. XXXX is a great tool for family and friends, but unfortunately, I have now learned it's a great tool for thieves as well.
09/22/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • VA
  • 22408
Web
Today XX/XX/2023 I was messaged back about renting a room in a home for {$500.00}. He texted that it would be a XXXX $ Refundable application fee. He asked us to send it over Zelle and we did. He then asked for {$300.00} deposit for the room. I told him I didnt receive and email for the application and he kept stating he wanted the {$300.00}. I asked to make a call so I can verify that this is real or to meet up to give him the money but he refused so I knew from there it was a scam. I called my bank ( XXXXXXXX XXXX ) and they said they cant dispute it because its a Zelle transaction and to contact my local authorities.
04/13/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • IL
  • 60062
Web Older American
I, stupidly tried to purchase XXXX XXXX tickets on a website I know, XXXX XXXX XXXX today XX/XX/23 at XXXX XXXX CST. The woman selling them had a XXXX age. ( do not know now if real or fake ). Said she needed by XXXX XXXX info to transfer the tickets. My daughter has it so I provided it. Then she said where to send the money by Zelle, which I did. Five minutes after making the transaction several email messages popped up saying this person was a fraud/scam. I went and tried to pull money back AND called XXXX to help me and they were USELSS. I locked my debit card. I have the name of the individual /email I sent $ $ to.
10/21/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • CA
  • 920XX
Web
I feel like im being taken advantage of and being ignored of my disputes. I am not receiving adequate valid verification. I have not received any documentation to corroborate the claim for this negative listing on my Early Warning 's report. I am asking to be provided with any and all documents bearing my signature that legally binds and contractual obligation for this account. Absent of these documents you are illegally reporting this negative listing and will be liable to me for the stress this has caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
07/19/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • OK
  • 741XX
Web
On XX/XX/2022, I made a transfer of {$2500.00} to XXXX XXXX on my bank 's website using the Zelle app. I was notified the next morning that the payment could not be completed and the money would be returned to my account in 1-3 business days. I checked my account Friday, XX/XX/2022 to find it was not available. At this time, I called XXXX XXXX to request the refund and I was told it would be another 3 days. On Tuesday, XX/XX/2022, the funds are not in my account and XXXX XXXX is attempting to dispute and recovery my funds. At this time, Zelle is not receiving calls to address issues and there is no way to contact them.
12/31/2020 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • IL
  • 60615
Web
I disputed inaccurate accounts reported by company in the file you maintain under my social security number.I was informed on 60 days ago that the item was deleted from my consumer report. Now I have discovered that the item has been reinserted on my credit report.XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I, I hereby demand that you immediately delete the item from my consumer report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. Please govern yourself accordingly.
09/06/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • GA
  • 30349
Web
Early warning is reporting inaccurate information to banks that is preventing me from opening a checking account. I have tried to dispute this inaccurate reporting and have not receive any type of correspondence from EWS. This information is from XXXX fraudulently and vindictively closing my account. EWS has now participated along with sun trust Bank by damaging my banking history, causing me embarrassment, and causing me to now have pay extra money to cash my checks, get money, or pay wire fees because I can not open an account. EWS fail to investigate the validity of XXXX reporting the false and defaming information.
10/25/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • NC
  • 27360
Web
I have been reported to ews by XXXX XXXX XXXX, XXXX, XXXX and XXXX, all of which are fraudulent accounts due to my identity being stolen. I have placed blocks on my credit reports as well as Chex systems. I have exhausted all options to have them removed on my own. I 've filed identity theft reports with FTC as well as my local police department to no avail. According to the fcra I have the right to have these blocked and not used against me, in which they 're not blocked as I was denied a checking acccount recently due to this. I need these accounts removed once and for all, it has really hindered my life. Thank you.
06/28/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Problem with customer service
  • NJ
  • 070XX
Web
XXXX has put a remark on my XXXX report account abuse and i paid XXXX thats not mines. They also have several address that i never lived address needs to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number XXXX-XXXX-XXXX i never had this account with XXXX XXXX and these addesses are not mines someone mustve used my information but it wasnt me. i attached pictures of the report and my drivers license.
02/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • FL
  • 33461
Web
I constantly continue to request that all accounts and inquiries on my consumer report is incorrect and the result of identity theft but each time I submit a dispute they send me a letter literally the NEXT day saying they " verified '' it when I said the account was NEVER mine. I keep submitting the same dispute saying the same thing and they keep leaving it on there. I just want it all removed from the consumer reports. I am tired of being inconvenienced by other banks and being unable to open my own account because of someone else using my information to open fraudulent accounts and apply for things in my name.
03/01/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • MD
  • 20854
Web
I did not receive a zelle payment that was sent yesterday on XX/XX/27 in the amount of {$1000.00}. The sender entered my email correctly linked to my zelle account at XXXX XXXX ( see attached ). I have tried multiple times throughout the day to contact Zelle but they run a automated answering service with no option to speak to a live person. They also absolve any responsbility to track down transactions and inform people to just contact their bank. Zelle has also not resonded to a online message I sent them. My bank ( XXXX ) is completely unreachable with no one picking up the phone or answering chat messages.
01/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • CA
  • 95112
Web Servicemember
I have brought XXXX in the mix so both can mediate with each other. I have attached documents from the day this happened. Currently, Early Warning Services has blacklisted me due to an issue with Account Fraud. Because of this, my banking access has become restricted, particularly with XXXX XXXX XXXX XXXX. As of XX/XX/2022, the XXXX XXXX XXXX account ending in XXXX is the only account that is causing the restriction in the system. It's fully paid for, my other current accounts are in good standing will positive balances. If any low balance were to happen, it's been taken care of immediately in a timely fashion.
04/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60827
Web
Early warning systems told me that the information that XXXX XXXX XXXX provided to them was accurate. despite me proving with actual receipts from the date of incident. the date of incident is XX/XX/2020. Not XX/XX/2020 and the amount should say settled or paid instead of unpaid like they allege. Early Warning Systems also sent documentation regarding my case to an email address which I did not request and I need them to mail me the paperwork like I did request. Early Warning Systems clearly neglected to do any research or an investigation. They obviously didn't look at my dispute documentation I sent to them.
09/27/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 32907
Web
I responded to a XXXX XXXX for a piece of scuba gear for sale. The sellers name was XXXX XXXX. He gave me Zelle information for the payment using the number XXXX and name XXXX XXXX. It verified and I sent the agreed upon {$200.00}. He then blocked me. Zelle and my bank refused to refund. I subsequently found that the number provided for Zelle belongs to someone named XXXX living in XXXX who had no clue what I was talking about. Additionally there have been multiple accounts found with the same person under different name of XXXX XXXX. I have opened a police report and filed with FTC. I have screenshots and proof.
09/11/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • PA
  • 170XX
Web
I was trying to sell a bike. I was selling it for {$100.00}. A person messaged me on XX/XX/22 and said they were interested in it. We communicated for a while and she said she could pay me using Zelle. I've used Zelle before and never had an issue. The person told me that the money wouldn't go through because I needed to upgrade my account. It was {$250.00} to upgrade my account. I didn't want to do that. The person told me they had already paid the {$250.00} for me and I needed to pay them back. Then, it will get refunded to my account. I was receiving emails are well. In total, I paid {$1000.00} to this person.
01/27/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92833
Web
I had XXXX XXXX XXXX student checking account long time back and it is already closed in XX/XX/XXXX. I recently tried to open an online checking account and it is showing negative information about my previous XXXX XXXX XXXX Checking Account which is wrong ( Please see the attachment. First of all it is showing that my Account was overdrawn on XX/XX/XXXX and pending closed on XX/XX/XXXX when both of these incidences never happened. My account was always current and never overdrawn, secondly my Account is not pending closed as I went to the branch to close it, so I have no idea why it is showing pending closed.
07/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60517
Web
A checking account that was supposed to be closed, was not closed. As a result, I was charged fees for account maintenance. The monthly fee took the account into an overdraft status. The account was charged off. When I later went to open an account with the same bank, I was advised that I had a delinquent account. The management reversed fees. I agreed to pay half. They agreed to remove the reporting from XXXX consumer report. It also should be noted that the account was reported twice on my XXXX as well. So not only should the account not have been reported at all, but it should not have been reported twice.
06/29/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 11221
Web
On X/XX/2017, XXXX was contacted regarding information being reported on my consumer report from Early Warning Services. They responded back to the investigation request stating that they have documentation verifying the information reported is accurate. However, according to the information submitted by me as part of the investigation request, as well as documentation submitted by EWS, and also public records including credit reporting information, the information being reported is clearly inaccurate. They refuse to remove the record or cease reporting the inaccurate information related to account number XXXX.
02/06/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • OH
  • 45240
Web
I tried to purchase a puppy through a breeder whose website was cleared by XXXX and ran as an ad on XXXX. I was in contact with the owner and they did all of the routine steps in making sure everything went smooth and was consistent with what you would expect of most breeders. After all paperwork was drawn up, I paid {$2500.00} total using Zelle and XXXX for the dog but after noticing some sketchy services afterwards, I realized that I had been scammed. I then reported the operation to the FTC, FBI, XXXX, XXXX and XXXX. I've tried recovering my funds from XXXX Bank, Zelle and XXXX but they all denied my claim.
09/11/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • AL
  • XXXXX
Web
Upon an agreement to purchase a Mule ( equine animal ) Zelle was used through my XXXX XXXX XXXX XXXX mobile banking app to send XXXX XXXX then a request was made and another XXXX $ was put through ( listed below with all information ). Contacted originally on XXXX, and used XXXX XXXX to communicate with a XXXX XXXX. Payment details of XXXX $ transaction- To : XXXX XXXX From : My account Sent : Wednesday, XX/XX/2022 Deposited : Within minutes Payment ID : XXXX Payment details of XXXX $ transaction- To : XXXX ( XXXX XXXX ) From : My account Sent : XXXX, XX/XX/2022 Deposited : Within minutes Payment ID : XXXX
05/14/2018 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • MD
  • 207XX
Web
I was not involved in running the daily operations, unfortunately, I was on a leave dealing with my ailing XX/XX/XXXX ... .... I have been put into XXXX and EWS over a {$320.00} check sometime last XXXX. I am willing to provide any documents needed including an affidavit, that there was NO FRAUD and any amounts owed once justified will be made good I am in Peril, I need a checking account to go forward in life, I can not get cash, I can not open an account. I totally object to the way my situation is being handled by the following institutions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
11/20/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NY
  • 11214
Web
I bought a second hand hairdryer from other person for {$200.00}, the transaction went through zelle. As I send the money to her, she said will send out the hairdryer afternoon, and afterthat, she said her daughter got sick, so it will send out the second day. The second day, she did send me the Tracking number, but the tracking never updated. AND I texted her and called her, she never respond me back. Today, XX/XX/2021, I call my bank afternoon, but they said they couldn't do anything for it, because zelle also couldn't do anything about it, they had no coverage for scam. So I was unable get my money back.
05/21/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • XXXXX
Web
I was looking for a puppy online, and this website popped up to me through a XXXX ad. I tried to buy a puppy through this website. The seller contacted me through phone and email. I paid {$900.00} in total, which included {$750.00} for the puppy and {$150.00} for the shipping. The seller only accepts Zelle payment. After I paid the total of {$900.00}, the seller asked me to pay an additional {$500.00} pet insurance in order to ship the puppy. That's how I found out it's a scam. I called my bank to reverse the payment because this is a scam, but they told me they can't do anything because it's through Zelle.
07/23/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MN
  • 55406
Web Servicemember
I tried to open a XXXXXXXX XXXX account and was declined due to negative reporting on Early Warning report that states a XXXXXXXX XXXX account reported XX/XX/2017. Early Warning sent me the report and and I have never had a XXXX XXXX account and when I contacted XXXX to inquire about it they were unable to pull anything based on my information, so there was nothing to dispute with them. Early Warning is referring me to the bank which is not giving me any information, I provided early warning with police report and requested for them to remove this reporting that does not belong to me and they have not.
11/17/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NJ
  • 079XX
Web
My accounts at XXXX, XXXX XXXX, and XXXX XXXX were hacked into and fraudulent Zelle payments of {$25000.00} were made over the course of 2 days on XX/XX/23 and XX/XX/23. I can not believe the lack of security at all these financial institutions and particularly Zelle to allow unknown payees to be added and so much money to be stolen in a short period of time. There was no precedent for these types and velocity of transactions. XXXX XXXX the most effectively, while XXXX had me on hold for hours and hours just to be able to report the claims. As of now, I am still out {$20000.00} between XXXX XXXX and XXXX.
08/29/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened without my consent or knowledge
  • TN
  • 38501
Web
My driver 's license was stolen back in XXXX, and several bank account ( s ) were opened without my knowledge, and fake check ( s ) were deposited into said account w/o my knowledge. My personal number was XXXX XXXX back in XXXX of XXXX, so I had to file a police report, and include a FTC ID Theft report with all of the account ( s ) that are fraud, and a notice to furnisher ( s ) as required by the FTC. I've gotten letters from the FBI Victim Services team, whom help me prepare the FTC ID Theft Report. Attached is the 4 total ID Theft reports ( each one has 5 bank accounts- FTC 's max per report )
02/19/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TX
  • 78681
Web
On Monday XX/XX/2023, I received a text message from what looked like XXXX XXXX XXXXXXXX saying that someone attempted to XXXX through the zelle app from our bank account. Because I responded to the scammers unknowingly, they were able to transfer at least {$1500.00} out of our checking and savings accounts. I spoke with the scammers unknowingly and then I called XXXX XXXX XXXXXXXX. I was told by XXXX XXXX XXXXXXXX that zelle is a third party entity and they can't guarantee me my money back. They said zelle has up to 45 days to look into the matter. It has been 6 days now and we haven't heard from anyone.
12/03/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 91762
Web
Yesterday XX/XX/2021, XXXX XXXX, had sold me something she had for sale on XXXX and after she contacted me on XXXX. She had told me to zelle her the money in order for her to mail it to me through XXXX. She kept asking me for money saying XXXX kept asking her for money in order for them to send it to me. She said asked me for more money I order for them to start the process, but it was way to much money she was asking for, and so she never gave me the package or my money back, she said she was going to give me the tracking number but she never did. The total amount I had sent her was a total of {$300.00}.
08/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 946XX
Web
I received my report from Early Warning system and there are 18 different accounts that I didnt open under my information. Some accounts have addresses from Alabama some accounts have an entirely different social security number but its tied to my drivers license. This is honestly so scary that an agency can damage your credit with inaccurate information without any consequences. The accounts in question are : XXXX ( XXXX this account is with an different SSN ) XXXX, all XXXX accounts XXXX account numbers : XXXX. This is actually ridiculous. I have attached all verification documents to prove my identity
09/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 91780
Web
I have an old credit card from XX/XX/XXXX which was paid in full yet is marked as a collection/charge off when it was not ever charged off or in collections. XXXX XXXX XXXX XXXX has already stated the account was paid in full and was to be removed from my credit report in XX/XX/XXXX however the account is still reporting negatively. However on my XXXX report the account states it is to be removed from my report XX/XX/XXXX which XXXX did not agree to. Creditor ; XXXX XXXX XXXX XXXX Account marked as Collection/Chargeoff Balance ; {$0.00} Contact ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
11/30/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • OR
  • 97124
Web
I have been working with the Zell fraud department regarding some fraudulent activity on my account. I have never authorize Zelle to take any money from my account, but in working with the Zelle department to stop fraud on my account, they said, due to a quirk in their systems it accidentally XXXX money from my account repeatedly when it was not supposed to, and now they are claiming that they are not able to return the money for a bunch of reasons, and are keeping demanding that I follow their protocols which had yet to refund me any money I have lost over {$15000.00} and time at work over this XXXX
10/08/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • KY
  • 402XX
Web
I XXXX XXXX in order to change my info. I called the number and was asked by the person to download XXXX on apps. so that he could walk me through it. He had me pull up my account, and asked what bank was used for it. I told him. By the end of the call, he had gotten my banking code number and somehow used my XXXX to send money through Zelle. I've never even heard of Zelle. He took {$170.00} out of my account. I'm on XXXX, so that was all the money that I had until XXXX. The phone number they used was : XXXX, and the money was deposited to XXXX XXXX 's account. Transaction # XXXX on XX/XX/2021
05/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • IL
  • 60153
Web
XX/XX/2020 I was forced to close my XXXX checking account and re-establish a new account due to suspected fradulalent activity. I am unable to establish a checking account due restriction placed on me through a company called Early Warning Services. I have been in contact with Early Warning Services and have an unresolve dispute. I believe misleding information reported by XXXX to Early Warning Services regarding the suspicious activity that had occurred with my personal banking account. I have no balance owed to any financial institution including XXXX. Why am I being restricted? I was the victim.
04/15/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • LA
  • 704XX
Web Servicemember
Tried to send payment through Zelle app. Twice it gave me error codes without sending money to my recipient but shows under actions in the Zelle app that the payment went through. It shows as a pending transaction in my bank. Ive called Zelle twice with no answer why but just told someone will send me an email in 3 business days.Ive called my bank and its a problem on zelle end they said. Zelle can not tell me why this happened and told me to wait on a bounce back to the bank before trying to send the money again. Meanwhile my husband and son still cant get the money. This happened today XX/XX/2020
01/15/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • OH
  • 43212
Web
On XXXX/XXXX/2022 I posted on XXXX I was looking to purchase XXXX tickets to XXXX concert in XXXX Ohio. Someone told me they had them and to direct message them. I did. They said they were {$150.00} per ticket. I was purchasing XXXX. I transferred {$300.00} to XXXX XXXX account on Zelle. I was then told it would be an additional amount of money and I would need to send it quickly before I could get the tickets. I then asked for a refund and stated I no longer wanted to purchase tickets. They said they are not able to do that and stoped replying. They have my {$300.00} and I never received tickets.
08/17/2022 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • PA
  • 180XX
Web
On XX/XX/22 I was scammed out of 300 dollars. I went to my bank, they told me to call call fraud they told me to talk to the bank, the bank then told me to talk to a third party. I did all these steps and have no answers and am still out XXXX dollars. I was selling a bike on a site, a buyer states they are interested. They claim to send me XXXX. I get an email saying my account get receive that and they have to send an additional XXXX they claim to i get another email saying they did and if I refund the XXXX I'll get the XXXX now. I send the XXXX and never get the XXXX. All I want is my XXXX back.
05/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • IL
  • 60615
Web
In XXXX of 2019 I was switching my direct deposit from a local bank to a national bank. My employer cut me a live check to deposit, but this check had 3 numbers missing from the end, which I was unaware of until 1 month ago. In 2019 when I deposited the check my new bank account with XXXX XXXX XXXX was immediately closed due to fraud. Since XXXX of 2019 I have not been able to open a checking or savings account in my own name. I have submitted 3 separate disputes to early warning services and each time they determine that everything on my consumer report, including me being a fraud, is accurate.
01/08/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • IL
  • 604XX
Web
I have contacted XXXX XXXX XXXX on several occasions explaining what happened with this account & that XXXX XXXX XXXX has already deleted this information but they continue to report it. It has been well over the time to have this account removed but they continuously report it & is preventing me from opening a checking account which is hurting my family. My son is XXXX and I need an account to make sure his money is secure, I have to prove that the money is going into an account for him but I can't because I am not able to open a checking account. My son may lose his benefits due to this issue.
08/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • FL
  • XXXXX
Web
I recently pulled an Early Warnings reporting and XXXX XXXX report, and XXXX XXXX XXXXXXXX is still reporting an old account with a balance on the report that had caused an adverse action against me and my business when attempting to open a new business account. I filed a XXXX XXXX Bankruptcy on XX/XX/XXXX and it was Discharged by the Bankruptcy Court on XX/XX/XXXX, and the XXXX XXXX XXXX account was included in the Bankruptcy that was to be discharged. I called back in XX/XX/XXXX, and was advised that the bank would resolve this, but it appears it never has complied with the bankruptcy order.
10/23/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 302XX
Web
Contributor : XXXX XXXX Contribution Ref # ending in : XXXX Incident Date : XX/XX/2017 Principal Loss : {$0.00} Contribution Reason : Checking Account Fraud The issue concerns the fact that XXXX bank has incorrectly classified my account as fraud. I have not committed fraud in any manner. I have not submitted bad checks or performed any other type of activity that would constitute checking account fraud. I have contacted the EWS agency and they have viewed the information. However, I have not received any response. The incident date is incorrect because the incident never occurred. Thank you
07/01/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • NY
  • 10001
Web
I order my early warnings consumer report after being denied a checking account with XXXX i have found that there are XXXX XXXX XXXX accounts showing on my file with a different ss # and different address that does not belong to me. it has been over 30 days and the information has not been removed. It should not be allowed for any credit reporting agency to put derogatory information that belongs to someone with a different social security #, different address & email account. this incorrect derogatory information is affecting from opening a checking account. i need this removed immediately.
11/25/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Funds not handled or disbursed as instructed
  • PA
  • 183XX
Web
XX/XX/2023 I try to send money to a relative in the XXXX XXXX dollars I found my relative email to use and send the money only later to learn they did not receive it I carefully look at the email it was missing a XXXX XXXX and therefore this might be why it went somewhere else I contact Zelle they said they cant stop payment to call next day and they would perform a reversed of payment no I look at my account no refund I contact XXXX XXXX on XX/XX/3023 they said they will contact fraud and they will issue credit that too was declined now I am out of XXXX they blame me what can I do this is scam
02/16/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NV
  • 891XX
Web
On XX/XX/2023 I purchased a puppy with Zelle and XXXX. Both are connected to my checking account and XXXX. Zelle pmt was {$500.00} and XXXX pmt was {$370.00}. The transaction turned out to be a puppy scam online through XXXX. I reached out to both companies and have had no response. The fact that both Zelle and XXXX are connected to my chase checking account I thought I am protected from fraudulent charges and scams. There has been no response from the companies regarding my fraud and scam. I am supposed to be protected by my bank or I would have never connected Zelle or XXXX to my account.
09/14/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • VA
  • 23462
Web Servicemember
I got contacted through XXXX about a product ( bourbon ) Ive been looking for for quite some time that was {$130.00} on XXXX XX/XX/XXXX. I thought it was a great deal, but it turned out to be a scam and me having to send more money through Zelle. They assured me I would get a full refund after paying for insurance fee which was {$120.00} and a permit that was another {$170.00} whenever I got my package that would arrive in a day I shouldve known better the package was never going to come and I tried to resolve it through my bank, but they said there was nothing I could do to get my money back.
12/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Problem with personal statement of dispute
  • NJ
  • 07093
Web
Hello, I cant open a checking account anywhere, because early warnings has blocked all the banks to open a checking account for me. I dont know which information they have about me, but the info they are having is totally wrong. Because my phone was stolen and my all the financial apps were in that phone i dont what the stranger did with my phone, i think its a identity theft, and my XXXX XXXX XXXXXXXX account was closed, i had no mistake. Please ask this company to cross check. They want me to give proof but what should i give them? I just want to remove this block from my identity. Thank you
07/29/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • VA
  • 20147
Web
THERE IS ONE COMPANY NAME EARLY WARNING SERVICES WHO CHECKED XXXX XXXX RECORDS SHOWN OTHER BANKS THAT I OWE XXXX XXXX SOME MONEY AND BECAUSE OF SHOWING THAT NO BANK OPEN AN ACCOUNT FOR ME. BUT I DID N'T OWE ANY MONEY FROM XXXX XXXX I HAVE STATEMENT AND I SENT SOME DISPUTE LETTERS TO THIS EARLY WARNING BUT THIS COMPANY DID N'T DO ANYTHING. IN DISPUTE LETTERS I WROTE THAT THEY ARE REPORTING INACCURATE INFORMATION SO I WANT TO DISPUTE THOSE BUT THEY DID N'T DISPUTE XXXX XXXX AND SHOWN THAT I OWE SO MUCH DEBT FROM XXXX XXXX. SO BECAUSE OF EARLY WARNING I AM UNABLE TO OPEN AN ACCOUNT WITH ANY BANK.
09/25/2020 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • IL
  • 60108
Web
XX/XX/XXXX I was a victim of a online scam. I was in search of a car part and had posted a want to buy. A random guy reached out to me and said to email his buddy that he has the part I need. I did after some communication via email and text I sent him {$500.00} via Zelle XXXX and he disappeared. I immediately filed a fraud claim with XXXX its been over a month and the bank has no updates no provisional credit, nothing. I call once a week and get a run around. Finally called one last time today and they told me that sorry we wont be able to get you your money back because you paid with Zelle.
07/24/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • FL
  • 33407
Web
The charges occurred on XX/XX/XXXX in the amount of XXXX to a XXXX XXXX. I replied ( XXXX ). I received a call from a number XXXX I was told by the representative XXXX XXXX is trying to receive a payment through Zelle in the amount of XXXX and they only way he can't receive my money if I reverse the payment back to me using my XXXX account once I did that my money was out of my account and the representative hung up the phone. I tried calling back no response. I then called my bank in file a complaint with no luck they said it was nothing wrong a few days later it seems like I'm out of XXXX.
10/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 752XX
Web
I have contacted XXXX XXXX and Early warning system about incorrect inaccurate information reporting on my consumer report regarding bank accounts opened by identity theft. I have sent each data furnisher a police report, federal trade comission identity theft affadavit, formal dispute and supporting identification documents. The bank accounts are still being listed on my consumer report regardless of the police report being supplied showing them that I was a victim of identity theft in the past. I am asking for assistance in getting this information blocked and remove per Federal Law FCRA.
05/08/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • FL
  • 342XX
Web
I filed an original complaint against this business under CFPB XXXX. On, XX/XX/XXXX ( see attached ) the business used a standard format cut and paste letter. I followed the guidelines of the letter, I provided the business my social security number. I provided the business my drivers license through the Secure Transfer Portal on XX/XX/XXXX under ID XXXX. On, XX/XX/XXXX the business is confused and sends me an email asking me what I want to dispute. I NEVER received a copy of my report, thus, I am unable to see what needs to be disputed. The business needs to send me my consumer report.
09/11/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 77061
Web
I contacted a lady name XXXX XXXX about an XXXX she had for sale for {$300.00}. I sent her {$150.00} because she agreed to allow me to send that amount first, then when i get the phone, send her the remaing {$150.00}. This was all through XXXX XXXX on XXXX XXXX at XXXX XXXX. Her email account for zelle is XXXX, mines are XXXX. I just found out that recently my bank first convenience stopped using zelle after thier app update which is where the money was sent from. I am asking for a refund and to either arrest her or make sure she's not allowed some kind of way to create an account anymore.
04/24/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 33511
Web
Sent money on XX/XX/XXXX to an employee through XXXX by way of Zelle. The phone number entered belongs to said employee however {$1200.00} was deposited into an unknown person 's account. The unknown person does not own the phone number in question and the employee who was to receive the monies registered the phone number with her bank. Contacted XXXX who said Zelle sent to right number there is nothing they can do and gave me number to contact Zelle. Zelle says can not file claim with them, must contact bank. Called XXXX back, they reiterated it is a Zelle issue they can not help further.
05/10/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • KY
  • 42104
Web
I was buying a XXXX supercharger from this guy on XXXX XXXX XXXX. I paid a total of XXXX on zelle and XXXX on XXXX XXXX. I never received the supercharger and was blocked from contacting him. He never sent the item i purchased from him. A payment of XXXX on XXXX XXXX and XXXX on zelle was made to XXXX XXXX on XX/XX/XXXX. Then another payment of XXXX on XXXX XXXX was made to the same person as well as a payment of XXXX on zelle. I had no clue that zelle or XXXX XXXX doesnt have protection. And i can not get a hold of the seller because he has blocked me on everything. Please help me please
04/11/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 94117
Web
At my work email I got the following email below the line -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- We've permanently limited your account 1 message Zelle XXXX Tue, XXXX XXXX XXXX at XXXX AM Reply-To : Zelle XXXX To : XXXX Zelle Logo. Your account has been limited Recently we have limited your access. Possible unauthorized account access. Unresolved buyer disputes or credit card chargebacks. We need some information about you. Click the button below to secure your account and regain access. Secure My Account
08/11/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 91776
Web
On XX/XX/2022 I used XXXX XXXX XXXX Zelle to transfer {$50.00} and then {$30.00} to an online scammer ( total {$80.00} ) to buy tickets to a concert. The person kept asking for more money and never sent me the tickets. This conversation took place on XXXX. The persons name on XXXX was XXXX XXXX XXXX. The zelle account I sent the money to was under the name of XXXX and the phone number associated with that was XXXX. The person also sent me a picture of an ID ( probably fake ). I reported this to XXXX Zelle, but they said that I may not get my money back because it was a direct transfer.
08/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MN
  • XXXXX
Web Servicemember
I contacted Early Warning Services , LLC, by phone requesting a copy of my consumer report. I explained to the customer service representative that all of the adverse information and bank checking accounts, listed on my consumer report is fraudulent, inaccurate and not my accounts or information. The representative used a XXXX slur against me, and told me I was a lying XXXX, and that nothing would be deleted from my consumer report because the fraudulent bank checking accounts and adverse information belongs to me. The representative used hateful, profane and abusive language against me.
04/26/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • MO
  • 64157
Web
Paid for a product not received on XX/XX/23. Total amount of {$110.00} for tickets that were to be transferred to me after exchange of funds via Zelle. Transaction was made via Zelle, but no product received. Have screen shots of conversation between myself and the scammer. All profiles of this scammer/thief have been deleted off of XXXX platform and XXXX. Currently trying to dispute with my financial institution under Regulation EXXXX Scam was initiated on XXXX platform. Attached is the screen shot showing the transaction of my funds being transferred. Have more screen shots if needed.
08/27/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Investigation took more than 30 days
  • GA
  • XXXXX
Web
I submitted an additional inquiry into an incorrect reporting and shallow investigation tactic carried out by Early Warning System about a XXXX XXXXXXXX XXXX listed on my Early Warnings Report. Early Warnings confirmed that were in receipt of my dispute on XX/XX/2018. More than 30 days has passed and there had been no response on the results of their investigation in that I requested a full removal of the incorrect recording of a XXXX XXXXXXXX XXXX account on their report. I am now demanding a receipt of this record being removed/deleted from the report they have compiled under my name.
05/31/2023 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • KS
  • 670XX
Web
Zelle let a fraud company XXXX my bank account of XXXX. XXXX. My bank refuses to take care of the zelle and continues to XXXX this issue. Zelle processed 3 fraudulent checks into my bank at XXXX account XXXX. Please note my Social is XXXX Address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NO Response from Zelle in over 1 year repeatedly emailed complaint to there fraud department. My bank has reported this as fraud but instead of putting this on the fraud person they closed my bank account and I am out XXXX which is a real insult for someone who works hard and tries to do things right.
07/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • CA
  • 91042
Web
XXXX Has without my consent placed a fraud notification on my credit reports with Early Warnings system. XXXX Has been contacted numerous times by myself I have repeatedly instructed them to remove any fraud alerts with Early Warnings I have been told multiple times that this fraud alert has been removed or is under review to call back in a few days and I keep getting the runaround.XXXX Is single-handedly ruining my credit history with my creditors as a result I am being denied credit institutions were I have excellent credit history because of the early warning notice placed by XXXX.
10/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Received unwanted marketing or advertising
  • WA
  • 98036
Web
Received a check from XXXX XXXX Customer Remediation ( XXXX ) XXXX. XXXX XXXX, XXXX, OR XXXX ; Dated XX/XX/2020 ; scan bar with XXXX It had old accounts on there which XXXX XXXX Closed , but now is apologizing for with a check for me in the amount of {$150.00}, which I ripped up of course, due to XXXX closing my account for no reason in the first place. It states that XXXX XXXX has requested an update to my Early Warning Services consumer report so that it does not reflect that my deposit account was closed due to the hold. Total hogwash. I will gladly mail you the letter and check.
04/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • NC
  • 28326
Web Servicemember
I tried to purchase shares of stock on XXXX using my bank checking account { XXXX XXXX XXXX XXXX .This transaction was denied based on information XXXX received or obtained in a report from Early Warning Services , Inc in, XXXX AZ.I have never heard of " Early Warning " consumer reporting agency, nor " XXXX XXXX ''. I'm not going to send any of my personal info/data to a company/report agency that I have never heard of or knew existed. I'm aware of the big XXXX credit report agencies, I have had no dealings nor knowledge about " Early WarningXXXX XXXX . Is this a REAL Company or Scam.
03/03/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 34746
Web
I did an online purchase. It was a scam. They ask me to pay with Zelle XXXX, as soon as the scammers got the money, they cancelled the order and I never received the product. Because I used Zelle XXXX said there was nothing that can be done. Sells has no fraud protection like a credit card. If I had used the Visa Bank card they could investigate. So I lost {$250.00} to this fraudulent website and there's nothing I can do to recover that money.The apps like Zelle, XXXX XXXX, and XXXX do not have any federal protection against frauds or scams like a Credit Cards do. This should change.
07/01/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NV
  • 891XX
Web
On XX/XX/2019 I sent a letter to XXXX XXXX XXXX regarding three accounts that were being reported to Early Warning. In that letter I asked for validation of the alleged debt under the Fair Debt Collection Practices Act. I asked them if they could not validate the this alleged debt that it be deleted from Early Warning. On XX/XX/2019 I received a response from XXXX XXXXXXXX XXXX stated that the were " validating '' this debt and also an email stating that I had an outstanding balance. These letters for these accounts were just dollars and cents nothing to officially validate a debt.
01/10/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77077
Web
I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. Several accounts were opened in my name. I did not open, use, benefit or access the accounts opened at XXXX XXXX XXXX or XXXX. I called Early Warning Services today and the agent confirmed that Early Warning marked my account as identity theft but did not delete it and until today had not sent me their identity theft kit. I did receive the identity theft kit on XX/XX/2018 My Early Warning Services consumer ID is XXXX I have attached a copy of the police report
03/09/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NY
  • 11758
Web Servicemember
I attempted to purchase sporting event tickets online through my financial institutions ( XXXX ) Zelle link however after I sent the money the person never sent the tickets. I contacted my financial institution and Zelle within an hour of the transfer to cancel the transaction however they said that there was nothing that they can do other than open an investigation and the chances of recovering my funds were extremely slim. I believe that since I contacted them within an hour of the transaction they should have been able to do a chargeback however they claim that was not possible.
03/29/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Managing, opening, or closing your mobile wallet account
  • TN
  • 38016
Web Servicemember
On XX/XX/2022, in an attempt to clear up the confusion with Zelle I called XXXX XXXX the day prior and ask him for help to clear up the confusion between the emails and the phone numbers within Zelle after getting more information I tried to contact Zelle on their website they only have an address and they emailed I emailed them and the email did not work so I have no recourse but to put it in the complaint about their company until I remedy the situation I have between the accounts at Zelle in between the banks in the phone numbers so I know exactly how my money is coming and going
04/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • CA
  • 90012
Web
I reached out to Early warning services in attempt to fix the issue directly with them regarding a XXXX account I never had making me unable to get a checking account or open an account with a credit union. I ask that they send me a validation letter with my WET SIGNATURE or any proof they use to validate that this account belong to me. Instead they send a letter saying they it does with no proof. Early warning has not sent me any proof on how they validated this debt and is making it hard for me to open an account with a real bank because of this FALSE negative account please help
03/09/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 958XX
Web
on XXXX a person was said to sell concert tickets, i asked for receipts to see if they were real. she used someone elses receipts and said that when i sent the money shed transfer the tickets over. i believed her we exchanged information and all, then the next day i see on XXXX XXXXhat the account was suspended and i asked her but she never said anything. it wasnt until i told her that i will make a complaint she made fun of me for scamming me and wont send me the money back. i called my bank and zelle but they said they will submit a claim but most likely wont get the money back.
07/13/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 90057
Web
A XXXX XXXX requested Via Zelle I sent XXXX to the account connected to the property manager XXXX XXXX XXXX for a deposit on an apartment I was applying to rent. The renter called and requested I send the funds to secure my listing on XX/XX/XXXX. I was waiting to meet and view apartment, sign lease the following XX/XX/XXXX but they were delaying the process and I explained I wished to receive a refund and that it would take 7 business days but I wanted the refund immediately for poor business practices and potentially fraud in offering the home. I filed with federal business burea.
05/05/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TX
  • XXXXX
Web
I sent {$950.00} to a company called XXXX XXXX XXXX on XX/XX/XXXX to supposedly ship a puppy that I had bought online. They claimed the money was refundable ( 98 % ) but have not sent me any of the money back. This was done through XXXX and they aren't doing anything either. I never got the puppy as the next day they wanted more money to " transport, quarantine and give shots to puppy ''. This dog was shipped from North Carolina and supposed to go to Texas but for some bizarre reason she was shipped to California. No reason given but then they claimed the dog had to be quarantined.
04/11/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • XXXXX
Web
Already a month ago, I tried to purchase 2 XXXX on XXXX. The seller told me to make the transaction throw Zelle. I sent XXXX dollars in 2 different transactions. One throw XXXX XXXX and one from XXXX XXXX. The seller sent me a package but they were empty with no phones insde. I already contacted the 2 differnet banks but they have not be able to do much more for me. I alrdeay filled a report to XXXX police and one to FBI for fraud and scam. What I can not understand is how this people who scammed still are scamming other customers using zelle. And zelle do not take actions on it.
05/05/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • WA
  • 98584
Web Older American, Servicemember
{$2500.00} was scammed from me using Zelle. I contacted XXXX bank who failed to reimburse me because the withdrawals were approved by me. I was trying to sell an item on XXXX market place. Buyer supposedly sent the money with Zelle. I got an email from scammers telling me I had to create a merchant account by refunding the money to the buyer, I never saw the initial payment to me. Who I thought was customer service for Zelle kept telling me I needed to refund more money due to a problem get the account established and my bank not working properly. This happened XX/XX/XXXX XXXX
04/07/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • TX
  • 77494
Web
Had a new tenant pay me {$1400.00} through Zelle to put a security deposit on a lease on XX/XX/2021. Got a notification from XXXX XXXX XXXX that the transaction had failed. The new tenant stated that her account is with XXXX XXXX XXXX and that her bank is telling her that they had withdrawn {$1400.00} from her account to pay via Zelle. Zelle does not have a customer service department to call to find out why the payment has been declined. Since the Tenant is trying to fund a contract and it is not funded it will void her lease agreement. Her scheduled move-in date is XX/XX/2021.
02/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • NY
  • 10027
Web
Early warning services has applied me to there system in the past couple of days for no legitimate reason and will not respond via phone call or email i was never given notice what actions by me would cause me to be put on there system so how would i know something as simple as inquiring for credit would cause this? The credit agencies XX/XX/XXXXand XX/XX/XXXX all tell me to apply for new credit? So you tell me to apply for credit to build my credit history and when i do they penalize me for inquiring? This is a very bad fraud prevention and is only hindering me building my credit
06/01/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 33426
Web
On XX/XX/XXXX I was on XXXX when I saw tickets for a concert for sale. I contacted the seller via text message as the number was listed and thats how communication was requested via seller. I used the Zelle App via my XXXX account and transferred XXXX $ to the seller for the tickets. They then stopped communication. I trying to get in contact with them from a different number they stated that the tickets were still for sale even thought i technically bought them and would never receive them. I contacted XXXX and was told that I may not receive the XXXX $ I paid for this scam back.
10/05/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • LA
  • 70560
Web
On XX/XX/22 a deposit was sent over to what was thought to be a XXXX XXXX. Services were never rendered. XXXX Bank is refusing to file a flail to recoup the funds sent over to the would be scan XXXX. XXXX XXXX is not helping either. Attached you will find the correspondences. I have since then reported the XXXX page to XXXX and the page has been deactivated. Id like my {$150.00} back immediately and XXXX should go after the scanner just as the would when disputing charges from XXXX or XXXX. Zelle instructs you to contact your banking institution, they dont offer any help either!
05/02/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33311
Web
I received my credit report from Early Warning and the report has so many negative bank items on it. I don't owe any bank I have tried to rebuild my credit after filing bankruptcy, to no avail have i been successful. I have been a victim of Fraud as well and I have reported this to the bank as well with a case number. I need this removed from my credit file. I am told that these accounts that are on the report are closed /purged meaning it doesn't convey a negative situation, but it it a negative situation for me. I would like for this to be removed off of my credit report/ file.
10/16/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other service problem
  • FL
  • 32807
Web
In XXXX XXXX, my Zelle account was suspended and I was no longer able to use it to send or receive funds. In XXXX, I attempted to find out why the account was suspended and what I needed to do to recover it. I called Zelle on three separate occasions from XXXX XXXX XXXX and durning each phone call, I was told was that the account was suspended in XXXX and I am no longer able to use the service. They were unable to inform me exactly why my account was suspended and they further stated there was no recourse or escalation process, just that I was no longer able to use the product.
07/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 07108
Web
I RECENTLY TRIED OPENING UP A BANK ACCOUNT AND I GOT DENIED AND SENT A MAIL WHICH WAS ODD GROWING UP I WASNT EDUCATED MUCH ABOUT CREDIT AND BANK ACCOUNTS I ALWAYS CARRIED CASH I DONT DEAL WITH BANKS SO AFTER DOING RESEARCH I ORDERED MY XXXX REPORT AND REALIZED SOMEONE OPENED A FRAUDULENT XXXX XXXX XXXX ACCOUNT IN MY NAME. I NEED THIS FRAUDULENT ACCOUNT REMOVED FROM MY REPORT PLEASE I DONT KNOW WHAT ELSE TO DO I FILED AN FTC RPORT I HOPE THIS HELPS FIX THE ISSUE. I HAVE ALSO ATTACHED MY ID FOR VERIFICATION THANK YOU IN ADVANCE, I HAVE FILED A POLICE REPORT AS WELL AS REQUESTED
04/13/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60653
Web
On XX/XX/2018 I disputed incorrect information from XXXX XXXX on my early warning services report. I disputed that the account is reporting incorrectly and to please the delete the account from my record. I also asked for method of verification of how it was verified. The company verified the bank details as accurate and complete when I know I never handled the account in such a manner. They also never sent the method of verification. Now I still have items on my report that are not correct and I really need them removed. This is stopping me from opening a new business account.
11/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Problem getting your free annual credit report
  • KY
  • 40517
Web
Despite making phone calls, mailing off documentation, and submitting documentation via their online portal on XXXX separate occasions over the last XXXX days, Early Warning refuses to release or provide documentation on my personal credit profile/report. They do provide a convoluted system ; you have to register with a third party, with instructions provided over a XXXX, which expires after 30 days or XXXX logins. From there, you can submit various documentation to begin the request process. This is XXXX, confusing, and often fails to generate any response from the company.
01/13/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • NJ
  • 07305
Web
XXXX XXXX I noticed an amount of {$500.00} from my savings account was transferred to another person via Zelle . I didn't authorize nor I know the person this is transferred to. This prompted me to check all my transactions and I did notice that XX/XX/XXXX, an amount of {$900.00} from my checking account this time was transferred again to another person via Zelle that I did not authorize. I never transfer these amounts of money even with someone I know. I have attached my Zelle history and it has always been before {$100.00} transfers. I reported it to XXXX XXXX on XX/XX/XXXX.
01/24/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Banking errors
  • NE
  • 693XX
Web Older American
On Friday XX/XX/2023, my mother XXXX XXXX was scammed of {$2000.00} using the banking app Zelle by XXXX XXXX of XXXX XXXX XXXX XXXX. We filed a claim with her bank, XXXX XXXX Bank and was informed that they were unable to help as Zelle claimed she authorized the funds. We are unable to locate this company and are not sure what we can do. My mother has XXXX XXXX XXXX XXXX and is looking for any help you can provide. It is not right to prey on the elderly. She is XXXX XXXX XXXX and on a fixed income and can't afford to lose money to scammers. Hopefully, you can assist us.
03/08/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • PA
  • 193XX
Web
Scammed through Zelle through XXXX XXXX I have never used Zelle. This was my first time, and the person scamming me walked me through the entire process in order to pay for furniture I was supposedly selling to them. This happened on XX/XX/22. In the total amount of {$600.00}. Zelle says because I authorized the transaction there is no refund. However I was one thousand percent induced to send. I have the entire conversation to show proof. I have already filed a dispute through my bank but after research on this type of problem, Zelles resolution is no refund at all. Period.
04/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 93907
Web
My identity was stolen and someone opened a checking account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Acct # XXXX I disputed this with XXXX XXXX XXXX and they said that since they didn't receive the original documents as I submitted my complaint online, that they ruled against me. I also filed a complaint with Early Warning and they said that the information XXXX XXXX XXXX was deemed accurate. This is on my credit report as well as Early warnings report therefore preventing me from opening my own account. I have done all I could do and now there is no other option.
08/06/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • VA
  • 23231
Web
Early Warning of XXXX XXXX XXXX XXXX, XXXX, Arizona, XXXX who is representing XXXX XXXX XXXX and or XXXX XXXX XXXX has erroneous insinuated that I ( willfully, knowingly and intentionally ) transacted and or attempted to transact with an account in an unauthorized manner ; when in fact I was the victim of a fraud perpetrated by persons outside an ATM in XXXX XXXX XXXX. ( The Circumstances of which are outlined in the attached documents ). I have had no further correspondence from Early Warning since the earlier part of this year despite seeking vitiation of this matter.
11/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • TX
  • 75062
Web
The website XXXX XXXX XXXXearlywarningXXXX has some sort of warning on my account i was told by XXXX XXXX XXXX XXXX I am trying to sign up and request a copy of my data and the site does not allow you to even try to sign up. I've tried multiple devices, locations and keep getting the same error. Why have a site and service such as this if it is impossible to get pass registration? This is the error. There is no way my information is invalid, it only ask for your email. Invalid registration info, invalid reCAPTCHA response, or not allowed to register from this location.
10/05/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • LA
  • 70560
Web
On XX/XX/22 a deposit was sent over to what was thought to be a tattoo artistXXXX creating a fraudulent account on XXXX perpetuating a fraud. See attachments Services were never rendered. XXXX XXXX is refusing to file a flail to recoup the funds sent over to the would be scan artist. XXXX XXXX is not helping either. Attached you will find the correspondences. I have since then reported the XXXX page to XXXX and the page has been deactivated. Id like my {$150.00} back immediately and XXXX should go after the scanner just as the would when disputing charges from XXXX or XXXX.
05/17/2023 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • CA
  • 92057
Web
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( the Fraudsters or Companies ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of the client losses to gains. Money was transferred from my XXXX XXXX XXXX account in the total amount of XXXX USD utilizing Zelle 's services.
11/11/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 75013
Web
I was scammed by a buyer on XXXX XXXX who sent me fake emails from zelle asking for {$300.00} in order to get the {$50.00} that they owed me for the product. I used zelle to send him the money and then realized that I had been scammed once the buyer was no longer reachable. I called XXXX and zelle to ask for help and they said that since the money had already been sent there was not much they could do. I am requesting that the {$300.00} i sent to this person be refunded back into my account because I was scammed and forced to send this money to them based on their emails.
01/10/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Managing, opening, or closing your mobile wallet account
  • MN
  • 55343
Web Servicemember
My bank XXXX XXXX XXXX informed me that I cant use Zelle through XXXX XXXX XXXX because Zelle has put a permanent restriction on my phone number : ( XXXX ) XXXX and my email address : XXXX, even though, I have never had a Zelle account. I have never used Zelle or had an account with Zelle through any bank or credit union that offer Zelle services. So my phone number or email address shouldnt be restricted and I should be able to register my phone number and email address with Zelle through my participating bank. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
07/17/2022 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • FL
  • 347XX
Web
My minor son is a victim of a money scam. He was threatened to send money via Zelle and he sent {$500.00} without my knowledge and authorization. I opened a fraud victim case with my local police the same day it happened. The credit union will not reimburse him his money and stated Zelle is a 3rd party company they are not affiliated with and because the money posted ; they will not reimburse him. This occurred on Friday, XX/XX/2022 and he was scammed out to {$500.00}. I contacted Zelle support and they would not reimburse him the money too even though they opened a case.
05/10/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CO
  • 80014
Web
On Tuesday, XX/XX/2019, I was searching on XXXX for tickets to the XXXX XXXX XXXX at XXXX XXXX for game 3 in XXXX Playoffs. I found an ad that had pictures and information on the seats, and for how much. The price was {$190.00} for 2 tickets. I had contacted the person to set up a meeting and to buy the tickets. Through text message, XXXX XXXX requested money to be sent through XXXX and would then have the tickets transferred over through XXXX. I transferred the money, and heard nothing back from the person. I never received the tickets and was scammed out of {$190.00}.
04/22/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 76105
Web Servicemember
On XX/XX/2023 at XXXX, I was scammed into sending a person {$500.00} for a concert ticket through Zelle XXXX They sent me a screenshot of what I thought was proof of purchase and I stupidly believed them. Once I realized what I had done, I tried to get the money back and of course they blocked me. I went though my bank ( XXXX ) to report the case and they told me it would likely not rule in my favor but they would start a dispute. Here I am XX/XX/XXXX, and sure enough Zelle declined. Since Zelle is attached to all of the banks, I was naive to believe it was safe to use.
10/28/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 115XX
Web
XX/XX/2021 XXXX dollars XXXX dollars XXXX dollars the bank is working on the investigation and they might reimburse the money to my account I sent money to zelle and my account is linked with my bank card and this was from XXXX some one said congratulations you are winning XXXX dollars and I will give you this money but then he said you g he ave to pay these certain fees to my account officer XXXX XXXX and XXXX total of XXXX I made these payments threw zelle and I never got XXXX but the guy blocked me off XXXX I asked him once to return back the money he never responded
09/23/2021 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Other transaction problem
  • TX
  • 78109
Web
Seller doesnt transfer history when users must update their debit card information. I signed up for Zelle to receive a small payment from a friend a year ago. The transaction never went through and they refunded the sender without ever letting me know. This year my friend sent another payment and my debit card changed since the last transaction which I had forgotten until after she sent the money. Now the rep from Zelle says they will refund the payment because the card changed. Honestly this company is very hard to work with and it seems like a scam. I deleted the app.
06/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Was not notified of investigation status or results
  • GA
  • 30294
Web Servicemember
My name, social security number and date of birth was given to Early Warning Systems for a {$28.00} dollar over draft balance. I was never notified of the balance even after calling XXXX XXXX XXXX numerous of times asking why my account was closed. All the kept saying was we can't do business with you at this time. Now I'm having a hard time opening up an account anywhere else for {$28.00} dollars. I'm a hard working tax paying citizen that is being taken advantage of and ignored. I submitted a dispute with Early Warning nearly 6 months ago and never heard anything back
08/31/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 21213
Web Servicemember
I have made several attempts including filing an FTC and Police Report for this fraudulent account. Also i have sent several dispute letters stating the Federal Laws i am protected by as a consumer which Early Warning Services had disregarded on multiple occasions. Early warning continues to report this inaccurate information without any means of verification or permissible purpose which under federal law this account must be deleted. Early warning services has violated my rights as a consumer and defamation of my character also disrupting my worthiness as a consumer.
05/04/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • VA
  • 22314
Web
On XX/XX/XXXX. XXXX, I sent {$1500.00} to an individual in exchange for a XXXX card. We had a lengthy text exchange intended to confirm the transfer of funds as well as the shipment of the card. Contrary to my requests, the individual did not send tracking information for the card and I have not received the merchandise to date. Furthermore, the individual has stopped responding to my inquiries. I opened a claim with my bank ( XXXX XXXX ) with claim ID XXXX. Upon reviewing this, XXXX was unable to reverse the transaction. The transaction was performed through Zelle.
09/13/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NC
  • XXXXX
Web
On XX/XX/21 I was involved in a scam via Zelle in which I lost {$2000.00}. I filed a claim with my bank through which the transaction was performed on XX/XX/21. I received written documentation on XX/XX/21 that they denied my claim and suggest I contact the scammer and ask them to return my money. I contacted my bank on XX/XX/21 and was told it would take a lot of time and effort to track where my money ended up and there was nothing they could do for me. I don't feel like my bank is doing their due diligence to investigate this and is not acting on my best interest.
06/25/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TX
  • 77535
Web
XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$600.00} I got scammed thinking I was purchasing a puppy. When I called the bank on XX/XX/XXXX after finding out it was a scam, the bank ( XXXX/Zelle ) they refused to stop or refund the money. I was told there was nothing they could do. I have contacted an individual at the address provided by the scammer and she told me her identity was stolen two weeks before when she fell for the same scam. I have also contacted my XXXX to file a claim for possible identity theft, but I have not received any help from them either as of today.
09/22/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • GA
  • 30014
Web
On XX/XX/2022 I sent {$220.00} to a seller through Zelle for sports tickets. After sending the money, the seller stopped responding and did not send the tickets. I have tried contacting them, I have reached out to the bank to see if there is a way to do a charge back to my account, and I have contacted Zelle.. They advised that I could request my money back from the person I sent it to, but also told me it is highly unlikely that I will get it back. There has got to be some way to reclaim money send directly from a checking account when it is obtained fraudulently.
08/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 10453
Web
I reported a fraud activity to my bank XXXX about cheques, which were deposited into my account that I knew nothing about. My stolen deposit card was used for purchases and money transferred from my account. When I reported this, the bank decided to close my account upon investigation. A few weeks later I received a statement saying my account balance is XXXX. Then a few days later another letter saying the cheques have been returned and my account was negative {$15000.00}. A couple of day later my account was closed. Any attempt to open a new account has failed.
12/13/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • IN
  • 47150
Web
A number that spoofed the XXXX XXXX XXXX number called me on XX/XX/2022, at XXXXXXXX XXXX, telling me that there was a fraudulent transfer about to go through on my XXXX XXXX account through Zelle, which is partnered with XXXX XXXX in some form or capacity. The individual on the phone took me through a process that resulted in me transferring money to the number XXXX, and in the process, I was told to do it with my name as the recipient. I only took part in this because of the fact that the number was that of the XXXXXXXX XXXX. The amount of money was {$1400.00}
11/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MD
  • 21206
Web
I have spoken with several representatives about my accounts being paid off. After submitting proof that the accounts were unpaid and disputing the accuracy of them. They were deleted, now theyve been reentered. I paid off 2 XXXX account after being told one of them was a XXXX XXXX XXXX. Now I was being told they both were XXXX accounts. Both accounts have been placed back on Early Warning. XXXX was asked numerous times to place a stop payment and didnt. Attached are the two paid off accounts. I asked them to be removed twice already and theyre showing as Unpaid
04/28/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • IL
  • 604XX
Web
Recently I went to XXXX XXXX to open an account. I was denied b y Early Warning. I requested a copy of the consumer report, where to my dismay, I found several inaccuracies. Please note that I was a victim of identity theft, and attached is a copy of the corresponding police report. Moreover, I also recently filed bankruptcy and some of the accounts were included in the bankruptcy. See Bankruptcy Notice of Filing and Discharge. I have also included a copy of my most recent XXXX report which will substantiate this information for you as well.
12/15/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • FL
  • 33018
Web
I was trying to send a Zelle transaction in the amount of XXXX to my daughter however the last 2 digits of her phone number i by mistake put in backwards resulting on the money sent to another person. I have contacted my bank as well as the person who I sent the money to. I requested for him to send my money back however it has been a couple of days passed and no money has been sent back to me. I have persons full name Phone number and my banks confirmation that I have tried to dispute this transaction. Is there anyway can get assistance. Thank you in advance.
08/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • AZ
  • 85022
Web
Early warning LLC. They are housing illegal information! I did not give my consent to be reporting anything off my consumer information! You are creating hardship on my live illegally! I never signed any documents to have my information to be released and transmitted! Remove my information from your data files or Ill be for to take legal actions against you! They are not following the Fair Credit Reporting Act! They did not reply back to my disputes! Can you provide some proof that I gave any consent for sharing my personal information and banking information?
08/23/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • OH
  • 44112
Web
I sent {$50.00} via Zelle to an alleged company to cover shipping of a package from XXXX to the US. I believe all of the scammers are in the USA though. It seemed legit at first but as the conversation went on and based on the repeated requests for money, the insistence that it had to be received right away and then the fake XXXX invoice received afterwards asking for even MORE money, I realized I had been scammed. This happened from XX/XX/XXXX through XX/XX/XXXX. Money was sent today. The scammers ised the XXXX app and impersonated a popular XXXX XXXX XXXX.
08/09/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10468
Web
Early Warning Is Blocking me From Opening Up Checking Accounts With XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX this Account Where Not Open by me All This Banks Account Where Open Fraudulent and i never Gave Permission to this Banks to Open Accounts. with my Permission Please Help me with this Early Warning Denied All My Claims For All This Fraudulent Checking Account and Added The Block back to My Early Warning Consumer Report. a Police Report and Identity Report from FTC Was send And Early Warning Denied the Information and al the Disputes where denied ...
07/06/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 77042
Web
I was scammed by XXXX and XXXX XXXX using Zelle. The phone number that the scammer used was ( XXXX ) XXXX. They both promoted a business assistant website stating they were able to help with business funding, logos, website, etc. after submitting my payment to get assistance the scammer blocked me and did not do any of the work they promised. This was a Zelle transaction. I used my email to make the purchase through Zelle ( XXXX ). The scammer did not provide any of the services the offered. They used Zelle to scam and steal my money with false advertising.
07/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33626
Web
I was a victim of a scam, they even hacked my email and got all of my information in 2019. I have all the police reports, and the pictures of fake checks and hacking proof more than once. Money was stolen from my other account twice after that. I can't open a bank account because Early Warning refuses to correct my information. I have solved everything with XXXX XXXX XXXX and XXXX. I'm asking for a resolution, to help me out to be able to open a bank account. It's not XXXX, XXXX, XXXX, it's not any other company preventing me from getting my life together.
10/20/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 334XX
Web
Someone named XXXX stole {$200.00} from my bank account via zelle. i dont know who that is. i didnt send him my money as i am a XXXX XXXX year old female and i NEED that money back. theres nothing i can do without it. I contacted XXXX XXXX and they hung up TWICE without an explanation of what they will do for me. They just said its a lengthy process then hung up without any further explanation nor did they call back. i am XXXX. life has already been XXXX enough to me this year. Please help me get my money back. I know its only {$200.00} but its all i have.
04/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • NY
  • 11432
Web
I Had a XXXX XXXX and it was cancelled due to putting someone else Check, and ever since then I could never open a bank account in XXXX XXXX XXXX, anywhere I go wont let me open an account, all I have is XXXX XXXX XXXX but they are not real banks, I need help to fix my credit report, I know I messed up my credit report for taking money out to other people, is all in my statements where the money went and whatever the issue may be, need a program or anything to fix my credit score or a Bank I can go to, to show I am responsible and I just got carried away
10/18/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 91790
Web
XX/XX/2021 - Zelle payment was sent from XXXX XXXX for {$250.00} and then another for {$350.00}. The payment was made for tickets in which in less than 24 hours, the seller blocked me on XXXX and did not give the tickets... The seller is still active on XXXX. and on XX/XX/2021 I contacted the person by email in which the responder stated that he knows nothing of the incident and would " find '' out what happened... did not get a response since then. And today, it is XX/XX/2021 in which Zelle and XXXX state that they are unable to do anything about it...
05/13/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • MI
  • 49534
Web
I had someone call me saying they were XXXX XXXX saying my account balance was past due and my services will be shut off. Then they said I had a glitch on my account that showed {$900.00} was past due. I needed to send different increments of money and they system would recognize that it was paid and then it would automatically reimburse me. The phone number the guy was using is ( XXXX ) XXXX, from XXXX, MI. I have reported this to my bank and they are making a dispute, but said it's not likely that I will get my money back. I sent a total of {$1500.00}.
12/28/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Managing, opening, or closing your mobile wallet account
  • MN
  • 55343
Web Servicemember
I am having an issue opening a Zelle account so I can send and receive money via Zelle using my bank account. I have never opened a Zelle account. I am a victim of identity theft and have been a victim of identity theft for over XXXX years. Someone used my personal information and phone number with several financial institutions to open up a Zelle Account. The Zelle Accounts thats currently open in my name and with my phone number are all fraudulent Zelle Accounts. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX, Phone Number : ( XXXX ) XXXX
01/28/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • PA
  • 183XX
Web Servicemember
I received a text from XXXX XXXX if I had sent {$3500.00} in a zelle transaction and to reply yes or no. I replied no and received a call a minute later. I was coerced into sending a zelle transfer to myself for {$3500.00} to avoid losing my money. The scammer was able to spoof the banks phone number. XXXX XXXXXXXX XXXX are refusing to refund my money because I sent the money willingly, despite their {$25.00} XXXX dollar profit margin. I filed a police report. I dont understand if my money is FDIC insured to {$250000.00} why they cant refund my money.
04/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 75216
Web
XXXX XXXX XXXX continues to report checking account fraud and account abuse after my repeated disputes to lawfully get these comments and the entire XXXX XXXX XXXX account listing removed from my Early Warning Services , LLC. I've done nothing wrong and XXXX XXXX XXXX has yet to prove why it's not removing these illegal comments and the entire account listing for that matter. If XXXX XXXX XXXX 's stance is solely based on the fraud/abuse comments within their EWS listing, then the entire account listing must be removed from Early Warning Services , LLC
04/20/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Confusing or missing disclosures
  • PA
  • 173XX
Web
Used Zelle payment service via the XXXX XXXX app to send money. Transaction posted XX/XX/14 ( XXXX # XXXX ) for {$340.00} Money was transferred but goods were not received. XXXX XXXX will not refund money claiming their disclosures holds them harmless. Since Zelle is integrated with the XXXX XXXX XXXX, a reasonable person would presume it to be verified and escrowed by the bank. No disclosures or warnings appeared on the app when making the transfer to the contrary. XXXX XXXX opened a case ( XXXX ) but made no promise or expectation of reconciliation.
03/07/2017 Yes
  • Credit reporting
  • Credit reporting company's investigation
  • No notice of investigation status/result
  • MI
  • 48174
Web
Consumer ID # XXXX This complaint is with a dispute filed with Early Warning Systems. They failed to have the company XXXX provide information used to validate the charge. XXXX reported to EWS that on XXXX/XXXX/15 I transacted or attempted to transact with an account in an unauthorized or prohibited manner. I am asking that XXXX or EWS provide the information used to validate this investigation. No information from the investigation was provided upon request. Further more they have inaccurate information in the file as far as address and phone numbers.
04/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • LA
  • 712XX
Web Servicemember
I have important documents First off I want to say as being a XXXX in the military I have never had any problems at all with banks are my credit. This is my Life u guys and I know you all have jobs to do Im not questioning that. But I am have problems when a person disputes the non factual errors I never receive any help but I have fought XXXX XXXX XXXX for our country leaving my family, my kids, my wife with no hesitation. I ask you guys is it fair I am a victim of identity theft please correct this EARLY WARNING XXXX, XXXX and XXXX XXXX thank you.
08/05/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Managing, opening, or closing your mobile wallet account
  • NC
  • 27519
Web
I try to login into the Zelle app and I am getting this login error and it won't let me login. I then contacted Zelle to see what happened and they told me that the verification process could not be verified for some unknown reason and my account would be locked for good. Makes no sense at all knowing that I have always been sending and receiving payments through Zelle and now all of a sudden I can not? They stated no reason as to why, and I called my bank that I used with Zelle and they said that my account is fine and it is in fact a Zelle issue.
12/05/2018 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 90029
Web
On Friday XX/XX/18 I responded to an ad advertising basketball tickets. The seller used these two phone numbers ( XXXX ) XXXX and ( XXXX ) XXXX. He said his name was XXXX XXXX and his email was XXXX.We agreed upon sending the payment via XXXX through my bank XXXX XXXX XXXX. The first name on the receiving account was XXXX. As soon as I sent the {$300.00} we had agreed upon for the tickets, he stopped responding to my calls and emails. I have submitted a claim with my bank and am trying to recover my lost money, as no merchandise was ever exchanged.
08/17/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • NY
  • 10468
Web Servicemember
Early Warning Still Has Not Resolved My Issue And Still Have Not Remove The Block For The Fraud Accounts That Where Open With My Social Security Number. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Early Warning Claims This Accounts Where Already Disputed And That The Blocked Will Remain On My Consumer Report For Opening Checking Accounts Or Saving Account For The Future and They Are Requesting For Information In Writing About This Account For They Can Disputed in XX/XX/2018 XXXX Requested to Early WARNING To Remove the block for any XXXX Accounts.
10/21/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TX
  • 760XX
Web
Today XX/XX/22 I was putting in a deposit for this rental I thought was legit. They had names matching up with the owners. The real owners I finally contacted and they told me it was a scam. I had found this listing online so I could have a place to stay while I work the XXXX XXXX but I got scammed {$1000.00} I sent it through my bank through Zelle. My bank said they cant do anything neither did Zelle. They had me fill out rental application with all my info so they have my social and drivers license number too. The place was on XXXX as a cabin.
02/10/2021 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Other transaction problem
  • NY
  • 10562
Web
Someone asked me for my cell number to zelle me a payment. I gave them the number I use and they sent the transaction. I received a text message saying a payment had been sent and to go to a link to accept it. When I try to register it, it says that XXXX voice numbers can not be registered. Calling the support number for zelle the person said that there is nothing that will be done and the unclaimed funds would eventually be returned to the sender. They couldn't give me the information on the sender and that there was nothing that could be done.
07/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 201XX
Web
EARLY WARNING systems reporting inaccurate erroneous information PAID ITEMS RE-AGED ITEMS INSCCURATE INFORMATION IDENTITY THEFT I have been denied bank accounts due to inaccurate erroneous reporting I have multiple inquires Multiple declines to get a bank account. EARLY WARNING has discriminated against me. EARLY WARNING if this is not removed I will have to move forward with CLASS ACTION LAWSUIT AGAINST EARLY EARNING FOR MULTIPLE VIOLATIONS OF FCRA AND NON COMPLIANCE WITH OTHER REPORTING LAWS. FOR ACCOUNT : XXXX XXXX XXXX MISSOURI ENDING XXXX
01/17/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CT
  • 064XX
Web
Transactions were made from my XXXX XXXXXXXX XXXX checking account that I did not make. I received a text message with XXXX XXXXXXXX XXXX header asking if I made those transactions to which I replied no I immediately received a call from a man posing as a XXXX rep. They walked me through steps which lead to me sending a XXXX transaction of XXXX. XXXX XXXX XXXX is denying reimbursement saying that I initiated the transfer so I am not entitled. It was the fraudulent charges that were initially made that allowed the criminal to gain my trust.
07/28/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • PA
  • 19403
Web
I sent Zelle payment from my bank ( XXXX XXXX XXXX ) on XX/XX/XXXX. Amount is : {$1900.00} See confirmations as attached. I had the funds in the account but the recipient did not get it, it was pending, but failed. Why not? Why the issue? There should be no issues on my end!! Please investigate and report back, date by date, step by step, why this failed. I lost {$50000.00} worth of business because of that. Thank you. I called XXXX XXXX on Tuesday XX/XX/XXXX, and case No. XXXX ( with XXXX XXXX XXXX ). Zelle is giving issues and problems now?
06/11/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CO
  • 80209
Web
I'd like to file a complaint to the Zelle account associated with the email XXXX. I tried to buy two tickets from his XXXX ad. The user went by XXXX XXXX and used the number XXXX. He was responsive via texting and I thought that Zelle, being tied to major bank accounts, would offer some kind of fraud protection services if this turned out to be a scam. I sent the email {$70.00} and never heard back and never received any tickets. The Zelle transaction was at XXXX MST, XX/XX/2019 with the transaction XXXX. URL - XXXX XXXX XXXX postID - XXXX
06/08/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MI
  • 484XX
Web Older American
Purchased a product online from a person who misrepresented themselves as a business with a product for purchase. Payment was sent from my bank account through Zelle service offered from my financial institution. ( XXXXXXXX XXXX ). My transaction sent but said pending in my account status, I became suspicious and immediately notified the bank and was told transaction could not be cancelled or reversed. Regulation E should apply in this instance and protect consumers. Item was never sent or received however money was fraudulently obtained.
05/13/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 94611
Web
On XX/XX/22 someone called from the phone number XXXX claiming to be XXXX XXXX. The said someone my be fraudulently using my phone number to set up a new Zelle account at XXXX XXXX. I said that it was not me so they gave me a case number XXXX and then asked me to enter it into my Zelle app along with the name XXXX. I then realized that this case number was a phone number and that this was a scam trying to get me to enter this info and then make an actual transfer to them. So I hung up and later verified with Zelle that this is a common scam.
04/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60617
Web
I have Filed Multiple complaints with Early Warnings services and XXXX XXXX about my Identity being stolen and nothing has been done to start correcting my credit report. I have sent in copies of my police report for identity theft and it still hasnt been corrected and just recently XXXX XXXX XXXX closed my account that was not in the negative without warning or an explanation. I have been blocked from being able to open a decent bank account and I dont think its fair. I should be able to have a legit and credible bank account for my money.
01/24/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • WA
  • 98002
Web Older American
Account was closed due to Zelle fraud and another opened simultaneously ( XXXX ). Zelle returned money to closed account ( {$800.00} ) which bounced back. XX/XX/2022. Repeated efforts to get money back through XXXX have failed with being told that might take through XXXX or not at all. Zelle has been basically unresponsive. XXXX did not initially follow through with diverting money to correct account and Zelle seems to have decided that they wont return the money ( wherever it is ). I can provide account numbers and information if requested.
10/06/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MD
  • 20876
Web
I buy tools on XXXX XXXX the guys ask me to pay him through zelle. I do. {$170.00} on XX/XX/XXXX. XX/XX/XXXX $ XXXX the shipping fee {$60.00}. I do then a clearance fee {$87.00} then another clearance fee {$87.00} because the guy asking for it said he reached his limit on the email address he gave me to send his money. So he said after work he would send the money refund it back. And the seller said he would refund {$60.00} I accidentally send him extra. Also he wont give me the full tracking number for the package. He paints out the middle.
09/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • CA
  • 95503
Web
XXXX and XXXX have held incorrect information on my credit report due to identity theft and I am unable to contact anyone or login to their website it has been stuck for almost a year with either them hanging up on me on the phone and no response from email by anyone. I have letters to serve them with and no body seems willing to help and it has put me in severe financial distress due to having these incorrect things on my credit I've been denied bank accounts home loans and being able to even get a car. Basically almost crippled my XXXX.
09/13/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 76227
Web
I was selling my daughter last crib on XXXX, a lady contacted me to purchase it. She said she sent a payment thru Zelle but I received no payment & got an email saying funds are frozen because of the amount being sent. It said I needed to send {$250.00} to the buyer to unlock the funds. It still didnt unlock so it said to do it again and so I did another {$250.00}. I was confused why it wasnt working so I called the bank and they said that the transaction already went through and couldnt be reversed and I had been scammed out of {$500.00}
11/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • MD
  • 217XX
Web
To whom it may concern, My name is XXXX XXXX XXXX, A account was opened back in XXXX with XXXX XXXX XXXX that I did not open. When i contacted them over the phone they said they will not investigate the account because they already did in XXXX but for a diffrent reason. I am a victim of Identity theft and i did nt open the account and they have failed to launch a investigation for the identity theft. They Specifficaly said " we will not be opening a investigation ''. I have attatched my police report for the companies investigation.
04/14/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • MO
  • 652XX
Web
I was selling speaker set on XXXX app. I found a buyer and they sent me check {$1500.00} but then I deposited and buyer told me to download XXXX XXXX and then he told me to send to XXXX XXXX XXXX via XXXX XXXX of {$1100.00}, and later next day he told me it was not enough money for movers, and so I sent another amount of {$300.00} to XXXX XXXX XXXX. Approximately 1 to 3 days later, my bank told me that the check of {$1500.00} was cancelled. He then told me he will send me new check of {$1500.00}. but I never heard from him since then.
10/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • KS
  • 665XX
Web
This is about the inaccuracy that is inquisitively furnished by Early Warning Services , LLC. on my consumer report. I came to know about this inaccuracy on XX/XX/2022 and due to this inaccuracy I was discriminated against and refused the following ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Futhermore, according to 15 USC 1681 ( b ) ( a ) ( 2 ), a Consumer Reporting agency may furnish a consumer report ONLY if youve given them written consent to do soI never gave my consent for XXXX XXXX XXXX XXXX to furnish any of my private information.
10/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • CA
  • XXXXX
Web
After almost ONE MONTH THE RELEASE LETTERS FROM EARLY WARNING WERE ISSUED, I finally received them in my po box . The letters that provide information of my accounts and of the banks that reported my accounts to Early Warning were written FRAUDULENTLY. 1.-THE NAME OF THE BANKS ARE NOT THE LEGAL NAMES AND HAVE ABBREVIATIONS. 2.- THE ABA OR ROUTING NUMBERS OF THE ESTATES WERE OPEN THE ACCOUNTS WERE FRAUDULENT ALSO. 3.- THE ACCOUNT NUMBERS WERE ENCRYPTED NUMBERS, MAKING THIS AN ILLEGAL ANSWER BECAUSE THEY CAN BE USED IN A FRAUDULENT WAY.
05/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • IA
  • 50266
Web Servicemember
Applied for two separate deposit accounts and XXXX XXXX and XXXX XXXX XXXX I was declined because of this darn credit system which is all fraud. Early warning services , LLC says its a government agency. Where to start with XXXX, CFR, XXXX violations and Consumer laws that all of these corporations are in on to deprive the true creditors. Buckle up sent off some documents to be authenticed and correction of status. I will not stop until I expose and everyone of this corporations indentured trustees will be filed on in federal court
07/18/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 90038
Web
I was scammed online and had sent payments through Zelle with my XXXX XXXX. I disputed all transactions and still havent gotten my money back. Please help me. I sent payments on XX/XX/XXXX and XXXX. XXXX of {$100.00}, 2 payments of {$200.00} and 2 payments of {$400.00}. The scammer had asked me to deposit XXXX into my account and sent it to them through Zelle. Little did I know those same checks that were deposited into my account for their transfer had be returned to them which made it deduct {$1500.00} out of my hard earned money.
08/28/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • IN
  • 46254
Web Servicemember
Early Warning Services , LLC is reporting an account that has been included in my chapter XXXX bankruptcy. I do not owe any amount of money to XXXX XXXX XXXX, nor has the account been handled improperly. I have requested the report be removed from the record as any negative balance has been included in the chaper XXXX bankruptcy, file number XXXX. The account is nearly 5 years old and should no longer be reported. This has caused a tremendously negative effective against my banking relationships as well as employment opportunities.
02/11/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • CA
  • 90015
Web
I attempted to open a XXXX XXXX account on XXXX XXXX 2017 and I was unable to due to misinformation on my credit report. They advised me to resolve the issue by disputing this information that is not mine and I am doing so. I also would like to say I had been a victim of consumer fraud and want to be issued protection from others being able to access my information for their own personal gain. I am in a position in which I can not even open an account because of this fradulent act against me and I need to recieve proper treatment.
08/01/2023 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Fraud or scam
  • IL
  • XXXXX
Web
I tried to using official website of XXXX and chat with live agent about expediting my case using this website XXXX XXXX XXXX The live agent name is XXXX XXXX XXXX, it was directly connected to XXXX XXXX, once clicked the agent name from this website. She asked me payment {$250.00} for expedite the case to branch administrator whose account name is XXXX XXXX XXXX and account number on zelle is XXXX. I sent money {$250.00} by zelle to this account on XXXX using my XXXX account. Today. I know that i have scammed from this process.
02/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 765XX
Web Servicemember
Early Warning Services needs to stop reporting the accounts below. My lawyer has been contacted and were going to file lawsuits if these fraudulent accounts are not removed. Accounts ending in XXXX and XXXX do not have a reported record since the accounts closed more than five years ago. Accounts ending in XXXX and XXXX were requested to be removed by XXXX XXXX from EWS more than thirty days ago. I sent XXXX XXXX two letters and XXXX XXXX told Early Warning Services to remove the accounts immediately from the consumer report.
08/21/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CO
  • 80129
Web
On the morning of XX/XX/XXXX, I was scammed via XXXX XXXX. I was selling a loveseat online for XXXX. XXXX XXXX reached out to me saying that he wanted it and asked if Zelle would be okay. He sent me the XXXX and sent me the screenshot. I then got an email saying that the payment was pending but the buyer had to send me an additional XXXX for my account to be upgraded to a business account. He said he would send it if I would promise to send it back, I agreed. Once he sent me the XXXX I sent it back, but never got any of my money.
07/30/2021 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • CA
  • 92154
Web
I was contacted on my mobile phone under the XXXX XXXX XXXX XXXX FRAUD stating fraudulent activity was occurring in my bank account. I was directed to then transfer my current balance to my email using the third party Zelle services so that it may preserve them from being compromised & a new debit card would be issued to me in 7 days. The funds never arrived back in my account even with the email attached nor was a new card ever ordered. I reported to my bank and they have filed a fraud claim and advised me to file here as well.
04/12/2015 Yes
  • Credit reporting
  • Credit reporting company's investigation
  • No notice of investigation status/result
  • TX
  • 782XX
Web
XXXX, EWS XXXX al i received my erroneous report today that still contained all the negative information, that XXXX XXXX JUST WROTE THE CFPB IT REMOVED. To address your prior lies, the dates you purport that XXXX XXXX surreptitiously deleted the account, XXXX states it was removed 5 months PRIOR.to that in fact the CFPB has proof of such, as a letter from XXXX XXXX dated XXXX XXXX, 2014 swore the accounts were removed. YOU ARBITRARILY REINSERTED THEM. YOU BROKE THE LAW.REMOVE ALL THE XXXX ACCOUNTS. AS YOU WERE INSTRUCTED TO DO SO
06/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • IL
  • 60002
Web
I have reached out to XXXX XXXX XXXXXXXX, XXXX, and Early Warning to remove a mark/flag that indicates that my account with XXXX XXXX XXXXXXXX was closed due to fraud. I in no way want to open a new account with XXXX XXXX XXXXXXXX, but would like the opportunity to open a checking account with another reputable financial institution. Unfortunately, I can not due to the mark on my consumer report. It has now been close to 5 years since this was reported, and my understanding is that this should have fallen off the report by now.
10/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60620
Web
I recently reviewed my report and noticed 17 Credit transactions and accounts being reported inaccurately. i called the company ( Early Warning ) XX/XX/2021 and asked them to correct the inaccuracies. They refused to do so at that point i asked them to exclude my name completely from their List as my right per FCRA Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681B Subsection E. I wrote them a letter to notify my Election of Exclusion 10/18/2021 and they have yet to Respond.
01/06/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CO
  • 80501
Web
I purchased a ticket through zelle and XXXX bank, after reviewing ticketmasters policies. XXXX claimed that tickets were instantaneous and not refundable when transferred. After the seller transferred me a ticket and I accepted it a little while later XXXX emailed me saying they were fraudulent. according to ticketmasters online statements once you accept the tickets there is no problem. These tickets turned out to be fraudulent and now XXXX nor zellewill refund my {$270.00}. The ticket transfers were done with in the XXXX app.
12/10/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AZ
  • 85742
Web Servicemember
RE : XXXX XXXX XXXX CD ACCOUNT ending in XXXX This is a CD account. EWS has told me that CDs are not subject to reporting with EWS. The account was closed XX/XX/XXXX yet on my EWS report there is information showing XXXX cents in interest paid on XX/XX/XXXX. After being on a call with XXXX XXXX XXXX for 2 hours and 53 minutes I'm told that they are unable to locate the account. The information regarding the CD account is false and should be removed from my EWS report especially since CD accounts are not subject to reporting.
10/11/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 94589
Web
My friend on XXXX told me I can earn XXXX dollars if I send money to a person and I fell for it. He asked me 4 times to send him more and more money. I felt like he wanted more and more money and nothing was coming into my Zelle account. I finally gave up and tried to get my {$950.00} bank that I sent him. He stopped texting me and never gave me any money. Im worried about this so much, I really sent him {$950.00} so I could win {$10000.00} and he have stopped contacting me. Please help me get my money back from this stealer.
10/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 93535
Web
when i tried to apply for a loan that i can pay off my debts off my credit report its reporting to them my personal information where no one has the right or my consent to share information its stopping me for opening up a business checking account that im afraid if it keeps on happening im going to close down my business due to i cant open a business checking account or help to build up or fix my credit if it money they want how they going to get there money i owe them if they stopping me from it and i dont who is doing this
08/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33144
Web
To the CFPB ( Consumer Financial Protection Bureau ) I request that Early Warning Services provide proof that I have committed account abuse or banking fraud. I have not committed account abuse or banking fraud I was a victim of identity theft, the item on my early warnings report is incorrect. I have tried to resolve with EWS directly and to no avail. The proof is in my previous CFPB claim. Here is my contact information : XXXX IF THEY NEED TO VERIFY MY IDENTITY CALL ME AT XXXX XXXX XXXX XXXX MONDAY THROUGH FRIDAY.
03/27/2017 Yes
  • Credit reporting
  • Credit reporting company's investigation
  • Investigation took too long
  • TN
  • 37207
Web
On XX/XX/2017, I sent Early Warning a procedural request letter, citing FCRA section 611. I sent this request letter via Early Warning 's Consumer Services online portal. I have confirmation that Early Warning Consumer Services employee XXXX viewed and downloaded my letter on XX/XX/2017. Per FCRA section 611 ( 6 ) ( B ) ( iii ), Early Warning should have responded to my letter, no later than 15 days after receiving my request. I did not receive a response from Early Warning pertaining to my request letter dated XX/XX/2017.
11/22/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • 14606
Web
I was receiving a payment for a model I was selling and the payment was sent thru Zelle. I recieved an email stating I need to upgrade my account to a business account and needed to reimburse the sender of the funds. This happened a few times leaving me with very low funds in my account. Amount lost {$1100.00} Problem # XXXX I was purchasing some good electronics, the person asked for more money to pay for the shipping and insurance, I sent more funds to help them out. Again funds were sent thru Zelle Amount lost {$700.00}
11/12/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 90003
Web Servicemember
I am XXXX in the XXXX which is low ranking solider and I was contacted by a " XXXX '' asking me about mypay and that my pay was wrong. He asked me that in order to correct it I needed to send the money to him and that he will fix. I told I felt funny about it and he said that this is the XXXX way and thats how we run things. He claimed that we were going to meet in his office on monday and everything was going to be resolved. Well I followed his instructions and he said he will call me back to follow up and he never called.
10/29/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • MO
  • 652XX
Web
On XX/XX/2022 dud a transaction through Zelle that never got completed by Zelle. A transaction for {$300.00} that got kept by Zelle and did not give it back to me. I did my part Zelle didnt do their part in the instructions. So Zelle kept my money cause I didnt do another refund for {$500.00}. So Zelle is a fraudulent website for money transfers. Zelle says they are safe and trustworthy nothing but a big XXXX lie to get more money out of you. I would like my money back. This is XXXX XXXX the one Zelle stole {$300.00} from.
08/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • FL
  • XXXXX
Web
In early 2019, I submitted an application for a checking with XXXX XXXX account via my phone. Between having a poor Wi-Fi connection, and accidentally pressing the back button a few times, my application was submitted multiple times and my account was flagged. This was a good faith mistake but has prevented me from opening other accounts without difficult in-branch identity verification. Multiple requests have been sent to both the reporting agency, Early Warning Services, and to the bank. They have given me the runaround.
02/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • SC
  • 29488
Web Servicemember
XXXX XXXX XXXX Consumer # XXXX Dispute Case ID : XXXX XXXX XXXX I had a Fraud claim open with Early Warning disputed Fraudulent Bank Openings with XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX I have sent them a police report identity theft report and copy of my signatures in front of a XXXX XXXX XXXX have lied and said they did an investigation and lied. I have contacted these Bank Institutions also. Early Warning already have the necessary paper worked sent to them via mail form the previous disputes Thank You XXXX XXXX
07/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • AZ
  • XXXXX
Web
As a consumer I have requested on numerous occasions my consumer report from the following consumer reporting agencies XXXX XXXX and Early Warning Systems due to a recent denial in achieving a new bank account. I attached the error messages and letters that I continue to keep receiving from these companies without the actual report and I am request my consumer report be emailed immediately so that I confirm if all the information is accurately being reported. XXXX XXXX Consumer ID XXXX Early Warnings Consumer ID XXXX
12/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91780
Web
There is an account open from XXXXXXXX XXXX in my name which i never opened and i would like deleted from my consumer report and to stop being reported to earlywarningservies. The information linked to this account is a phone number which does not belong to me XXXX and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX which is not my address. This account was opened XX/XX/2017 and was closed XX/XX/2017 and still has not been removed from my consumer report despite it being fraudulently opened without my permission.
03/13/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • KY
  • 40216
Web
There were two unauthorized transactions made from my account. Id like to file a dispute under Regulation E and get my money back. Both transactions were from Zelle in the amounts of {$400.00} and {$50.00} respectively. I did not authorize these payments because they were on the day I get paid and part of my money is withdrawn at an ATM at XXXX to get rent money out. I have provided proof of this in the form of screenshots of the unauthorized transactions to my XXXXXXXX XXXX Account and my transaction history on payday.
01/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MN
  • 55343
Web Servicemember
Please review the attached documentation. I was a litigant in a class action lawsuit against Early Warning and received a settlement payment for Early Warning reporting inaccurate and incorrect information on my consumer report # : XXXX. Early Warning continues to report fraudulent information on my Early Warning Consumer Report. All the information of bank checking accounts listed on my consumer report is fraudulent information. I have never ever had a checking account in my entire life. Its all fraudulent information.
05/08/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • CA
  • 91750
Web Servicemember
I was a victim of identity theft and have been trying to get my life back together, and have endured financial struggles due to the theft. I am almost homeless, and have taken all opportunities to survive. I have been trying to open checking accounts, as well as get a loan, and have been turned down each time. each of the credit agencies, as well as Early Warning Services , LLC, and XXXX have contributed to these denials. XXXX XXXX XXXX, XXXX XXXX, and XXXX have closed accounts without giving me an explanation of why.
01/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • NC
  • 28210
Web
Ive submitted a dispute to Early Warning services regarding incorrect reporting from XXXX XXXX XXXX and they refuse to fix it. XXXX XXXX XXXX reporting that I had fraudulent activity on my checking account and status shows as unpaid and opened which prevents me from opening any checking accounts at any bank. Ive contacted XXXX XXXX XXXX and they said I dont owe them anything and balances across all closed account are XXXX. But Early warning services refuse to take action and correct this information or delete it.
07/18/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • NY
  • 11221
Web
A familiar phone number called me so I answered, and it was a man saying it was XXXX XXXX and that since my account had been frozen, they were about to disconnect services in 30 minutes. I had indeed had trouble with XXXX XXXX in the past few months, so this was believable. The person told me that a zelle payment would be the fastest way to take care of it, so I sent the amount of {$490.00} through the Zelle portal in my XXXX banking app to the recepient. Neither XXXX or Zelle is being helpful in recovering my money.
10/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MN
  • 55343
Web Servicemember
I am a victim of identity theft and of a XXXX XXXX data breach. The following bank accounts listed on my Early Warning Consumer Rrport ID : XXXX is fraudulent and unauthorized bank accounts that arent my bank accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are fraudulent and not my inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
04/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • XXXXX
Web Servicemember
I opted out of Early Warning products and services XX/XX/2022 and yet they are still reporting false information. Then throwing the buck on XXXX XXXX XXXX. XXXX claims they did not report such incidents to them now having verified through a previous banking transaction it has been confirmed that they are still reporting false information. When speaking to them them about it I was laughed at and denied a higher tier request. You guys have peoples lives in your hands its not funny at and should be handled accordingly.
07/29/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • XXXXX
Web
I got sublease scam. I sent XXXX dollars to guy named XXXX XXXX, sublessor, as a deposit on XX/XX/XXXX and another XXXX dollars to XXXX XXXX, landlord/agent, in 2 differnet transactions as a 1 month rent through Zelle. I sen XXXX dollars first on XX/XX/XXXX and XXXX dollars on XX/XX/XXXX. So total of XXXX dollars. I reported to XXXX XXXX and they said they will file a report and investigate but chance of getting money back is very low. Zelle says there is nothing they can help with it, so just contact my bank.
01/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 331XX
Web
There is a consumer report from EarlyWarningSolutions which states an account from XX/XX/2017 is reporting on my consumer report. This account remains on my report and has been stated by XXXX XXXX, assistant vice president of XXXX XXXX that this account with this account number is not a valid number or valid account with XXXX XXXX This account number XXXX therefore is incorrect and should not be on my consumer report considering the bank reporting the account confirms it is not a valid account and is not from them.
09/03/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • GA
  • 30341
Web
Early Warning Services is reporting both XXXX XXXX, and XXXX XXXX XXXX XXXX on my consumer report. Despite numerous attempts to have this INCORRECT information removed, it is still being reported. With this incorrect information being reported, I am unable to obtain any membership through my local credit unions. Early Earning Services is aware that I am a victim of Identity Theft, yet they still have not removed it from my report. They have not even sent any documentation as to why they believe the account is mine.
01/24/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NY
  • 10016
Web
Someone posing as XXXX XXXX requested unpaid account balance of {$160.00} via Zelle to a XXXX XXXX and then a further {$570.00} to the same account to reverse the transaction for a total of {$540.00} through my XXXX Zelle account on XX/XX/XXXX. Reported days later to XXXX when XXXX XXXX denied that any payment had been made. XXXX refused to remedy or reimburse. XXXX client since XXXX. Payments were : XX/XX/XXXX Zelle Debit Pay ID : XXXX {$160.00} XXXX XXXX XX/XX/XXXX Zelle Debit Pay ID : XXXX {$570.00} XXXX XXXX
05/20/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TX
  • 781XX
Web
I saw an ad on XXXX for a house for rent contacted the person set up a meeting to go view the house and he questioned it in the meantime if I would like to begin the application process and get approved I paid the hundred dollars for the application process and he said I was we were approved and asked if we wanted to do the down payment so that we can remove the ad from the online I told him I would pay partial of it and the other partial when I saw it and got keys made the transfer I never heard from him again
01/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WA
  • 98055
Web
I have a complaint against EWS early warning services. This consumer agency has cause me huge amount of stress and financial hardship. This highly upsetting. Theyre reporting incorrect information, refuse to remove it and how the DAMAGING information is creating problems with my banking institution ( XXXX XXXX XXXX XXXX ). I want justice for frivolous actions that EWS is doing. This been a going on since XX/XX/2020. I have provided them everything include evidence of XXXX and XXXX XXXX errors and misreporting.
04/21/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • NJ
  • 07712
Web Servicemember
Early Warning Services continues to report incorrect information. Their inaccurate reporting is the SOLE reason I am being denied the opportunity to bank at SEVERAL financial institutions. I have attempted to resolve the issue with Early Warning to no avail, and have previously submitted a CFPB complaint, to which they responded with a form response. I am also a member of the class action litigation that has been successful against them, and they STILL refuse to delete the incorrect and inaccurate information.
12/15/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 90004
Web
I have identified information on my report that are a result of identity theft. The reporting of these information are not related to any transactions by me and is a result of identity theft. PLEASE DELETE following items ACCOUNT NAME : XXXX XXXX XXXX XXXX Routing # XXXX Account # XXXX, Identity Theft ACCOUNT NAME : XXXX XXXX Account # XXXX Routing # XXXX, INQUIRIES PLEASE DELETE ... .XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
08/06/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 92821
Web
I was using Zelle through XXXX XXXX XXXXXXXX to send my rent money in. The recipient DID NOT receive the funds into his bank account, however he received a text from Zelle saying that the money is ready through XXXX. He does not bank through XXXX he banks through XXXX XXXX. I called both XXXX XXXXXXXX XXXX and Zelle, and they were both very unhelpful. They filed a claim on fraud for that transaction, which, weeks later, was apparently denied. This goes beyond me getting my money back, this is a blatant crime!
11/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • OH
  • 43224
Web Servicemember
I sent early warning systems a letter which quoted the by-laws of the fair credit reporting act.. ( 611, 613 etc ) they did not investigate my file. Instead, they sent my a copy of my report. In my letter, which was sent by certified mail ... included my driver 's license, and social security card, Properly identifying my self. I also ask them to properly verify my account with signed contracts, signatures ... etc ... but not the use of the last 4 digits of my social security number. They did not do anything!
10/15/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • MA
  • 02136
Web
I applied for a checking account recently My application was denied based on information provided by consumer reporting agency, Early Warning I contacted the agency, disputed the account in question I received an email from early Warning indicating the refusal to accept that its no my account i am not the owner of this account, i am only aware of its existence as a result of the reporting. I have been the victim of recent identity theft, in states of XXXX XXXX, XXXX and XXXX. I have evidence of this.
04/25/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • TX
  • XXXXX
Web
I went into regions bank in XXXX Texas to open a new account and was denied based off of a system called Early warning system that gave me no reason. I called them and they are not telling me any information as to how they recieved my private source data without my consent and why are they giving out my private source date without authorization. I have never did any business with this third party and for them to be able to deny a consumer account based off of information that they wont even reveal to me
03/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10467
Web
Early Warning Services ; XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX Reporting Inaccurate And Fraudulent Information On My Consumer Report. Report Shows a Debt Owed to XXXX XXXX XXXX And Closed Checking Account as A Result Of Suspected Fraud Activity. This Report Has Been Disputed by Me and Was Not Removed From My Early Warning Systems Consumer Report and XXXX Consumer Report. Please Remove These Derogatory Marks Under the FCRA This Unverifiable and Inaccurate Information should be Removed From My Report.
11/01/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 85742
Web Servicemember
A XXXX XXXX Money Market Account was fraudulently opened in my name on XX/XX/2016. It was not funded and was subsequently closed on XX/XX/2016. Please see the attached letter from XXXX indicating that the account was opened as a result of a fraudulent application. I am requesting that Early Warning Services ( EWS ) removed this account from my report. It should also be noted that the email address and phone number listed on the EWS report never belonged to me. ( please reference CFPB Complaint ID XXXX )
08/27/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • CA
  • XXXXX
Web Older American
Between XX/XX/2013 and XX/XX/2013 I deposited a check in my account in the County of XXXX XXXX California, from a third party. Check did not clear, maybe altered or stolen. XXXX XXXXXXXX XXXX closed my account after freezing it an reported me to XXXX XXXXXXXX and Early Warnings for fraud activity or intent to commit fraud. For more than four year I have not being able to open a checking or savings, personal not business for my corporation with any financial institution because XXXX XXXX XXXX reporting.
04/16/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 33809
Web
I was answering to an add at XXXX to purchase hay for my animals. XXXX texted me at XXXX that he doesn't have any more hay available, but his friend in Ohio has some he would ship to me. He gave me a quote over {$1300.00} and asked to pay him via XXXX. He texted me from XXXX and told me to use his email XXXX to send the money via XXXX . I have not received a bill, an invoice or a name. The phone is not registered and this email is marked as a scam email. He ceased contact and dies not answer his phone.
12/06/2017 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • LA
  • XXXXX
Web
I have sent Early Warning Services a validation request twice to verify XXXX XXXX and XXXX XXXX XXXX and they have yet to do so. They continue to say that these negative accounts are verified, but they ca n't provide the proper documents that they used to determine the negative accounts verifiable. I DEMAND that this company properly investigate this matter or REMOVE these negative accounts immediately. They should n't claim that these accounts are verified if they ca n't prove how they were verified.
02/10/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • OH
  • 44512
Web
Early 2022 I unknowingly was breathing in mold and while delusional I was scammed through XXXX XXXX and with zelle. From XX/XX/XXXX through XX/XX/XXXX there was a total of XXXX in transactions on Zelle. And during that same time frame there was a total of XXXX. Once the mold had been cleared from my apartment and I spent some time away from my apartment I contacted my bank XXXX who reversed the transaction only to say it could not be done. I also contacted cash who said I could not be reimbursed.
06/05/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 75220
Web
XXXX XXXX XXXX shows that I opened an account with XXXX XXXX which is not accurate I attempted to open an account but was declined by XXXX XXXX XX/XX/2015 this account is closed and should be removed off my XXXX XXXX XXXX Report. I need XXXX XXXX XXXX to provide all methods used by them to verify this account information as accurate. This incorrect information will be used by financial institutes to decide if they should extend me credit and other offers which I have been declined for in the past
10/13/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 922XX
Web Servicemember
I entered into a scam agreement to purchase items from a XXXX account by the name of XXXX XXXX on XX/XX/2022. The account holder asked for an upfront delivery fee to drive the items to me. They asked for {$110.00} to be sent over Zelle to set up delivery for XXXX. The delivery never showed up and the account did not respond to multiple subsequent calls and messages on their XXXX account. The Zelle email address the payment was made to was XXXX and the name given for the bank account was XXXX XXXX.
06/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • TX
  • 77005
Web
Early warning System ( EWS ) is reporting fraud to financial institutions, which is preventing me from opening an account. I have disputed the improper verbiage with EWS, but have been unsuccessful. To my knowledge, I have not committed any fraud. Nor have I been provided any documentation from EWS or any other financial institutions stating otherwise.I have requested that EWS remove the fraud from my consumer file if they can not provide me with proof within 30 days. They have failed to do both.
08/03/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • UT
  • 84115
Web
EWS failed to provide a 100 % accurate and verifiable investigation, I requested that they DO NOT USE a XXXX system and provide the necessary documentation in compliance with the law. EWS instead sent letters stating they couldn't retrieve the necessary documentation, but continued to verify the fraudulent accounts anyways as 100 % accurate and 100 % verifiable which is false and a major violation for each occurrence. I am requesting for EWS to fully 100 % comply to the law not comply 50 % of it.
08/01/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • IL
  • 606XX
Web
On XX/XX/XXXX I met a man who claimed to be XXXX XXXX XXXX. He was selling tickets to a XXXX XXXX game and wanted transfer via zelle. I was standing there when he gave me his name and multiple email addresses “XXXX” and “XXXXXXXX” also gave his phone number XXXX XXXX XXXX and said once the transfer was complete he’d forward tickets. He stood next to me we made the transfer and he ran off. I instantly called my bank XXXX XXXX to cancel and they haven’t done anything. Please help prevent this again
04/04/2016 Yes
  • Credit reporting
  • Unable to get credit report/credit score
  • Problem getting report or credit score
  • NY
  • 117XX
Web Servicemember
I CALLED MANY MONTHS AGO TO HAVE A COPY OF MY CREDIT REPORT SENT TO MY HOUSE BECAUS I WAS DECLINED A BANK ACCOUNT DUE TO XXXX REPORTS. I WANTED TO SEE WHAT WAS ON THE REPORTS THAT HINDERED ME. I HAVE CALLED TO NO AVAIL MULITPLE TIMES AND STILL NO REPORT HAS MADE ITS WAY TO ME. NEXT STEP IS A LAWSUIT IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. PLEASE HANDLETHIS PROMPTLY! MY NAME IS XXXX XXXX D0B XX/XX/XXXX AND THE LAST FOUR OF MY SOCIAL ARE XXXX. IF YOU HAVE ANY QUESTIONS PLEASE CALL ME T XXXX.
05/17/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • 129XX
Web
I was on XXXX and I saw a friend was selling lots of stuff. I was interested in a few things. His name was XXXX XXXX and I grew up with. All seemed legit. Said if I paid him something as a deposit he would remove the picture in the post. I sent him XXXX via Zelle. This was Sunday XX/XX/XXXX. I didnt discover until the following day that it was a scam. I contacted Zelle and my banking institution and I can not get the money back. I am a young widow with a young daughter and I am making XXXX XXXX
11/06/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 76053
Web
I called XXXX spoke to Zelle Agent XXXX he remoted into my bank account thri XXXX while talking he called me from XXXX. Asked me to go to Transfer money to XXXX XXXX at XXXX. Then he opened my XXXX XXXX, XXXX & XXXX XXXX when I realized he was scamming me after he asked for my XXXX account. Told him this was not normal why he was doing this when I told him I was a victim of identity theft. He immediately hung up on me. Called him back and supervisor who answered said he was with another client
07/14/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NH
  • 032XX
Web
Scam on XXXX XXXX involving zelle. Buyer asked to zelle me for a product. Stated they have a business account and needed email. They said they sent money and I received emails that they sent it and the email stated they needed to send XXXX more to make it a business account. They said I would need to send the XXXX back once they sent the money. I sent XXXX $ to them when I received the money. When I got the email that they sent it I send the money and never received any payment in my account.
08/31/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NY
  • 10461
Web
I got a phone call XX/XX/XXXX stating they were XXXX XXXX threatening to turn off my electricity. They prompted me multiple times to use Zelle to send them money. Phone number XXXX ( XXXX ) XXXX. Once i hung up i saw that XXXX XXXX does not accept zelle. My bank XXXX would not take responsibility nor zelle. I called the number back to urge them send the money back. They told me you knew this was a scam and hung up. They took XXXX & XXXX from my business account and XXXX from personal account.
11/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information that should be on the report is missing
  • TX
  • 78028
Web
I have previously filed a complaint about a different matter, and found the outcome to be satisfactory, and hope to have this issue resolved similarly with the same due diligence as before. I have the following information reported that includes Returned Transactions : Routing Number : XXXX Account Number : XXXX Additionally, I have an account that I do not own that includes an incorrect DOB that includes the following : Furnisher : XXXXXXXX XXXX Routing Number : XXXX Account Number : XXXX
11/04/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • FL
  • 33710
Web
I have called early warning systems and spoke with several people. I have never received any information. No one will help me to understand what is happening. I have never messed up my checking account I do t understand. I have filed fraud reports and helped to give I for Auto. On fraud to the FTC. I was told to make a plan. I did everything and now everything g has been take. From me including the ability To have a checking account. I called early warning system and they refused to help me.
12/14/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • AZ
  • 85353
Web
I use XXXX XXXX XXXX. I was on XXXX and was looking at a business page to purchase a XXXX. I was told zelle was the best way to pay. I paid {$1800.00} on XX/XX/ and got scammed. He blocked me after I paid. Zelle knows where the money went and All of the banks own it. I don't understand why they allow this to happen with no protection to the consumers. It was a fake page with a fake name, but when I put the email from zelle in XXXX XXXX his real name came up. Nothing has been done to help me.
09/09/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NJ
  • 07753
Web
I was selling an item on XXXX market place. I had a inquiry about the item, I was messaged from a person named XXXX XXXX. Went through a whole conversation about confirming Zelle accounts. So I confirmed friends with XXXX and went through the process of sending money to confirm friends and accounts. This all ended up in me transferring her {$840.00} through Zelle using my XXXX XXXX App. And come to find out it was a scam. I have all pictures and emails to prove after the fact of confirming.
09/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OK
  • XXXXX
Web
I contacted Early Warning Services, a consumer reporting agency as defined by FCRA, and they refused to allow or enter a FREEZE on my files and/or reports falsely saying they are exempt. They are not exempt. I have entered a dispute as they are reporting FALSE information and refuse to not allow such to be reported until such time as it is fully verified. A consumer is permitted under the law to request a security freeze. A security freeze protects consumers from abuse or identity thefts.
02/17/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 92407
Web
I was recently a victim to a scam. I paid XXXX dollars through Zelle with the expectation that I was going to get that money back ( according to the scammer ). After the money was sent, I was threatened and extorted for more money which is when I got the authorities involved. My other XXXX XXXX XXXX claims are still being investigated but this one was denying giving my money back. This transaction occurred on the XXXX of XX/XX/2023. XXXX held an " investigation '' but nothing was resolved.
03/18/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • NY
  • 10452
Web
Okay so I had my bank account closed from spring bank last year, due to fraud I told the kn estimator that it was not done by me, and he accused me of putting the fake checks in my bank and told me to pay, I refused to pay and it seems like they have fclowed down my account and have send my information to early warning services, now that I have trying to open a bank account through XXXX and XXXX they are saying that I have a red flag, I need this red flag removed by early warning services.
07/15/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NC
  • 27707
Web
Hello, I was in a private group on XXXX to try and buy concert tickets. However, when partial payment was sent, the promised ticket was not sent. I lost {$220.00}. When I asked for a refund, they instead blocked me. This happened on XX/XX/2022. The money was sent through payment system Zelle and the money was requested via an email address. The transfer occurred through a private XXXX message. Please, if you're trying to buy concert tickets on XXXX, don't do it. They are not worth it.
03/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • LA
  • 712XX
Web Servicemember
I have Police reports i have contacted these credit reporting agencies and told them what ive been through in 2015 i was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i had no lawyer and received XXXX XXXX years in XXXX while he got XXXX see im tired of being used buy the system i filed a report on my identity theft and i want this all off my reports
09/21/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 92583
Web
I was offered an item online and I agreed. The man said he would send the item if I gave him the amount. I sent {$550.00} dollars to multiple accounts of his. The dates include from XXXX XXXX throughout XXXX XXXX. I never received the item and got scammed from {$550.00}. The multiple XXXX XXXX I sent money to are, {$100.00} to XXXX, {$150.00} to XXXX, {$50.00} to XXXX, {$50.00} to XXXX, {$100.00} to XXXX, {$100.00} to XXXX, {$50.00} to XXXX, {$50.00} to XXXX, and {$50.00} to XXXX XXXX
11/13/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TX
  • 77099
Web
I was offered a job and the company sent me a check to deposit in my bank account. The next day, I was coax to send part of the money through Zelle to a vendor that would supposedly buy the software I would need for my accounting job that I was offered. After sending the money as directed, my cousin that I was in contact with told me it might be a scam! I filed a complain with Zelle an affiliate with my bank to alert them. I notified my bank and a hold was placed on the transactions.
09/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 183XX
Web
Incorrect information is being reported by EWS. After reviewing my EWS report, the trial deposits from an external account to XXXX XXXX XXXX XXXX XXXX XXXX are coded as returned transaction. A complaint was submitted to EWS but the accuracies continue to appear on my report. Below are the dates of the trial deposit transactions XXXX {$.00} XXXX {$.00} XXXX {$.00} XXXX {$.00} XXXX {$.00} XXXX {$.00} Based on the transactions amounts, it's very clear that these are ACH trial deposits
08/24/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • CA
  • 94086
Web
I have an account of XXXX bank and my friend has an account of BOA. I sent her XXXX dollars through Zelle transfer on XX/XX/XXXX. Money was immediately gone in my XXXX XXXX account but was never delivered to my friend BOA account. We tried to ask XXXX but they said they could do nothing. We tried to ask XXXX XXXX for dispute the transfer, but they have no response yet. We tried to contact Zelle, but can not. Please help me with the issue. I would like to get my money back.
12/07/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TN
  • 37013
Web
I opened a XXXX XXXX XXXXXXXX account in 2016. I planned on using the account for my brokerage account and did not do much with it. In late 2016 my account was hacked and several charges appeared that were not from me. I was not aware of the charges until receiving a letter from the bank stating the account was closed. Upon checking with the bank I discovered the account closed with a negative balance due to overdraft fees for things like gym memberships that I did not subscribe to.
11/21/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • FL
  • 34677
Web
From my commercial XXXX XXXX XXXXXXXX account, I used Zelle services to send my rent check of {$2600.00} to the property management company. They never received it. I called Zelle from XXXX XXXX XXXXXXXX office and requested information. They responded weeks later saying this claim was too old and they would not open a case. I sent a certified letter to the address listed on their letter head and said, 'I did not ask to file a claim and wanted information '. No response from Zelle.
01/05/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 90266
Web
I was looking to get concert tickets at a cheaper price through XXXX, and I asked for proof of the tickets, which the person had. I agreed to Zelle the person 's friend, who would send it to them. They then did not send me the tickets, and they presented themselves as legit from XXXX. This was a scam, and I am not able to get my money back from the person, and the bank ( XXXX ) is unable to as well. Email of the person I communicated with : XXXX Email of Person Zelled : XXXX XXXX
12/14/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TN
  • 385XX
Web
I would like to draw your attention to XX/XX/2022 - I had sent my complaint letter to Zelle, in which I clearly stated how this scam has affected me personally, pXXXX and financially. About XX/XX/2022, I fell victim to a multi-layered scam operation run by fake Zelle representative which involved me making deposits for a total amount of XXXX USD from my XXXX XXXXl Bank account to fraudulent investment firms. I am yet to receive a satisfactory response and resolution from Zelle
04/11/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NJ
  • 076XX
Web
On XX/XX/XXXX I won an auction for two XXXX on XXXX ... The seller texted me requesting payment through Zelle. I made two zelle payments, through my XXXX XXXX XXXX account, totaling XXXX . The seller no longer exists and there are other victims from gunbroker who fell victim to this scam. The seller used a cell phone XXXX to text with me, and he used the name XXXX XXXX ( phone linked to bank account XXXX ) for the Zelle transfer. This is not fair, please help me. Thanks XXXX XXXX
12/09/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • RI
  • 028XX
Web
I found an instagram seller with thousands of followers which led me to believe he we legit. After days of talking with the seller, I bought 3 pair of shoes and a XXXX XXXX console. I sent the money in two transaction as he requested. One for {$400.00} on XX/XX/2020, and one for {$1000.00} on XX/XX/2020 using XXXX. After I sent the money, he just didn't respond to me after I sent the money for weeks even to this day. I filed a dispute on my bank but it was denied since I used XXXX.
04/19/2018 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 94606
Web
I attempted to purchase a concert ticket from someone using XXXX. This person asked me to send him {$250.00} on the XXXX app. He had an email account associated with XXXX so they should be able to track him. He then did not send me the ticket and ripped me off. I called my bank that was connected to XXXX to try to reverse the charge. Since XXXX has confirmed him as a customer, they should not allow him to commit these crimes of fraud. I would like to have charges filed against him.
08/30/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MA
  • 021XX
Web
I listed an item on XXXX XXXX on XX/XX/22. A buyer ( XXXX XXXX ) offered to buy XXXX items for {$800.00}. He tried to zelle me. He sent me a screenshot of the zelle. I then received an email saying that I needed to upgrade my zelle account in order to receive the payment. I had to send him {$500.00} and then I would receive my money. Once I did this, I got a fake email claiming to be zelle. It is then I realized it was a scam. I asked the sender for the money back and he refused.
04/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33455
Web
Early warning service is housing incorrect information on there profile about me, i sent them letters the then respond saying my dispute is not being done and basicly im lying, one of there records i have spoken to the bank directly and they advised me that they advised EWS to remove this since XXXX along with the XXXX. this company lack of support and in corrrect information is causing problems and my next steps will be a civil suit against them if they do not correct this errors
02/17/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • CA
  • XXXXX
Web Older American
I expected a transfer to me from ZELLE. The person sending said I was not enrolled, and they couldn't send. I called the ZELLE number on the internet page. A man with a heavy XXXX accent told me to hold on while he called me from another line. He said my account was locked and he could unlock it if I gave him the bank account number. I DID NOT give Him anything, I hung up and went to my back and found there was NO issue. The BAD guys phone numbers are ; XXXX, XXXX XXXX XXXX
10/06/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • CA
  • 94086
Web
I have an account of XXXX XXXX and my friend has an account of XXXX. I sent her XXXX dollars through Zelle transfer on XX/XX/XXXX. Money was immediately gone in my XXXX XXXX account but was never delivered to my friend XXXX account. We tried to ask XXXX but they said they could do nothing. We tried to ask XXXX XXXX for dispute the transfer, but they have no response yet. We tried to contact Zelle, but can not. Please help me with the issue. I would like to get my money back.
11/08/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • NY
  • 11370
Web
On XX/XX/XXXX XXXX XXXX I sent {$500.00} through Zelle on my XXXX banking app. The payment was sent to an email address ( XXXX ) with my brother XXXX XXXX listed.When I found out that the payment was not received, I called XXXX and asked them why my payment didnt go through. They said it did go through, when I asked who it went through to, they told me they could not give me that information. When I tried to contact Zelle, they told me any disputes must be taken up with chase.
09/08/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • CA
  • 94086
Web
I have an account of XXXX XXXX and my friend has an account of BOA. I sent her XXXX dollars through Zelle transfer on XX/XX/XXXX. Money was immediately gone in my XXXX XXXX account but was never delivered to my friend XXXX account. We tried to ask XXXX but they said they could do nothing. We tried to ask XXXX XXXX for dispute the transfer, but they have no response yet. We tried to contact Zelle, but can not. Please help me with the issue. I would like to get my money back.
08/26/2022 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Fraud or scam
  • PA
  • 151XX
Web
What happened was that somebody hack a log of peoples account and stole our money. They used my zelle account to transfer money from XXXX account and send it to mine and then send it to another one. My money is gone and the money from the person before me is gone too. Now Im receiving calls from that they stole the money saying that they gon na kill me and blaming me. When the same is happening to me, they dont let me explain they stole my money too. All my money is gone too.
08/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 34120
Web
Hello, this is a follow up with the prior complaints of Early Warning Services refusing to remove negative information that I am liable for, after submitting a police report they refuse to accept. Hers an additionally copy of the police report of the Id theft and an FTC report for identity theft. XXXX is refusing to remove this information and its crippling me, they are trolling me, refusing to accept legit literal documents, I will have no choice but to sue if I cant get help.
08/09/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • IL
  • 60543
Web
I tried to purchase tickets from a seller on XXXX. He provided his phone number and email address for the ticket purchase. Once I sent the payment he deactivated his XXXX account and his phone number provided ( it was a XXXX XXXX XXXX ). The name he provided for me was XXXX XXXX but once I sent the money via Zelle it stated his name was actually XXXX XXXX. I never received the tickets promised. I did contact my bank to try to stop the payment but all they did was file a report.
09/12/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Public record information inaccurate
  • TX
  • 77494
Web
XXXX XXXX XXXX is reporting fraudulent information to early warning services. when I disputed the matter instead of investigating it I was told that the information was accurate but was never given any type of proof to show though I requested it. When I contacted XXXX XXXX XXXX the fraud department told me that they only showed that my account was closed due to an overdraft, another guy left a voicemail telling me that they could not verify that it was me making the complaint.
05/03/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • VA
  • 236XX
Web Servicemember
My cell phone was taken, my password was compromised, a finger print was added to my device to access my saved passwords and then used those passwords to log into my bank account and transfer funds in the amount of XXXX $ USD to someone using Zelle. I reported the fraudulent charges to my bank who then forced me to close my checking account and open a new one only to deny my fraud claims. I am unsure as to why it was required to secure my account but then deny my fraud claims.
07/13/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28079
Web
XXXX XXXX XXXX is reporting a checking account from bank XXXX XXXX stating this checking account belongs to me. I have tried to dispute this information and so far EWS has refuse to do anything but give me the run around. I have fax my driver license and social security card with proof of address and still they have not provided me with the report nor have fix the incorrect information. This account does not belong to me. The last names do n't even match, my last name is XXXX.
06/07/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NV
  • 89052
Web
On XX/XX/23 Zelle Inc closed my account without contacting me or conducting any investigation. I received a phone call from my financial institution ( XXXX XXXX ) that I was accused of fraud. I submitted text messages from the accuser directly to Zelle Inc on XX/XX/23 as proof that I did not commit any fraudulent activities. As of todays date XX/XX/23, I have not received a response or investigation regarding the falsified claim made against me and my suspended Zelle account.
12/26/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30127
Web
XXXX XXXX XXXXXXXX has placed me in XXXX XXXX and or Early Warning XXXX due to ATM Fraud that took place on this account. I called in and spoke with a XXXX XXXX XXXX agent who was to proceed with fraud investigation on this account which would 've been the second time I 've asked for an investigation. I have asked XXXX XXXX XXXX to send the proof and or information on this account and I have yet to receive any documentation or investigation results. This incident was in XXXX.
12/12/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 75039
Web
from my Zelle number XXXX miss typed An incorrect electronic transfer from my XXXX XXXX XXXX application via Zelle transfer to Zelle account for XXXX $ to XXXX which was not the receiver correct mail id which was on XX/XX/2024 Zelle account was a email id : XXXX ( XXXX XXXX ) confirmation number : XXXX Scammer identity provider details XXXX mobile number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
02/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OR
  • 97213
Web Servicemember
In accordance with the Fair Credit Reporting XXXX XXXX Account # XXXX, XXXX, XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX, XXXX XXXX XXXX Account # XXXX, XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
02/04/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • 10454
Web
I was sent a job for a XXXX XXXX. Stated that it would pay XXXX weekly. I just need to send money to my Bosses clients. When is did I learned that the check I received was fake and I got scammed {$100.00} of my own money. He was suppose to send me money so I could sent it to his clients he said he would pay me back and he ghosted me. This happens XX/XX/2023 but then throughout the week after he would text me to try to get me to send money to his other clients but I declined.
02/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OR
  • 97213
Web Servicemember
In accordance with the Fair Credit Reporting XXXX XXXX Account # XXXX, XXXX, XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX Account # XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX, XXXX XXXX XXXX Account # XXXX, XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
10/29/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 77346
Web
Had 7 transactions totaling {$300.00} from Zelle that I did not make or authorize. Contacted XXXX XXXX to file fraud claims on the transactions. XXXX is denying the fraud claims stating they have no authority over Zelle fraud claims, even though I have to go through my XXXX app to use Zelle! Zelle says there were no log in errors before the money was transferred so the transactions were valid. I have just lost {$300.00} and my bank nor Zelle will do anything about it!!!
10/12/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MA
  • 018XX
Web
I saw a post of facebook for a XXXX item for sale. I contacted a XXXX XXXX to purchase the item for {$330.00}. Paid the {$330.00} on Zelle and the item was never shipped. Paid to husband 's Zelle account and then asked me to cancel and repay to her son 's account. Requested her to refund me several times. Then she asked for more money to ship. Now saying my loss XXXX Zelle account : XXXX XXXX XXXX Son 's Zelle account : XXXX XXXX XXXX My Zelle account is through XXXX XXXX
06/08/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Confusing or misleading advertising or marketing
  • FL
  • 33647
Web
I tried to buy a dog and the scammers asked me to send money through XXXX XXXX and I said no. My money is not protected. Not knowing using Zelle its unprotected. I said I will do Zelle. The people pretending tot sell the dog were scam artist and knew that Zelle doesn't protect consumers. XXXX XXXX who I bank with are not helping me to get my money back. I went to them to get help for them to tell me the financial institution on the scam artist bank and they never told me.
01/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30093
Web
Early Warning had no permissible purpose to furnish a report on my character. I never consented or gave you any written instruction to furnish a report nor receive a response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. So, Early Warning is in violation and comity identity theft.
09/27/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • TX
  • 76227
Web
I discovered inaccurate, misleading, or incomplete information in my Early Warning report. I have requested a copy of my XXXX report and they have failed to release this information to me. The information being reported by XXXX and Early Warning is inaccurate and misleading and because of this potential lenders were making credit decisions and their willingness to extend credit. I am asking that XXXX send me a copy of my report and any inaccurate information is removed
05/15/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Opening an account
  • Unable to open an account
  • GA
  • 30017
Web
I was denied a bank account and noticed that early warning has all my bank information inaccurate with old account that is not mine bank account .I called and request a consumer credit report from them and my information within there date base is incorrect I wrote a dispute letter to early warning .I receive a email me back from early warning all account are reporting accurate. Early Warning have violated my consumers rights by having my information without my consent.
03/17/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • TX
  • 75232
Web
i contacted Early warning to remove a NSF charge which is inaccurately reporting and is keeping me from opening a new account. i showed proof that the charge was paid and the account is still active 2 years later after that the claim was made. the nsf was dated XXXX for {$570.00} for XXXX XXXX i sent them proof that not only was this charge paid but also i still maintain the account with XXXX 2 years later and many other payments have been made on the same account.
05/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • WA
  • 983XX
Web
XXXX refuses to remove me from the consumer credit reporting list, even though I have signed and submitted the opt-out document removing me from XXXX consumer reports. They continue to give out faulty and inaccurate info. To add insult to injury on my credit report ( s ) no where is any indication about financial fraud or debt owed, yet XXXX illegally continues to report even though I have opted out and there info conflicts with my three major credit bureau reports.
12/31/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • FL
  • XXXXX
Web Older American, Servicemember
On XX/XX/2020 XXXX transferred {$790.00} from my XXXX checking account to an unknown financial institution. I have filed a complaint with XXXX XXXX see attached documents ) and contacted XXXX. So far, XXXX has refused to provide the name of the financial institution that received the transfer. I won't accept that that is proprietary information. My money was intended to go to XXXXXXXX XXXX, XXXX has confirmed that that did not happen. The transaction number is XXXX
07/25/2017 Yes
  • Checking or savings account
  • Checking account
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 11221
Web
I have submitted several disputes to Early Warning Services ( consumer ID XXXX, ) XXXX XXXX regarding two accounts being reported as account risk by XXXX XXXX XXXX XXXX. The accounts listed do not contain my social security number or address, yet despite several disputes being filed, EWS has replied consistently that they were able to verify the information as accurate and belonging to me, which is obviously incorrect, and they are refusing to remove this information.
06/04/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TX
  • 75061
Web
I was scammed by an XXXX user and phone # XXXX XXXX XXXX ( XXXX id ). He told me to do the transaction via zelle instead of XXXX. It was XXXX ( XXXX watch ) + XXXX ( shipping ). I grilled him with all the right questions including showing the prof of the watch and so forth. At the end he pushed me to make the payment an promised to ship the item within 2 hours. Instead, he just vanished. I have documented everything! This should be an easy case to close it out.
05/24/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • MN
  • 55016
Web
I wanted to sell my furniture and posted an add online. One person agreed to buy and mailed a check of {$3700.00} to my address with some extra money. My bank ( XXXX XXXX ) approved the check and cleared funds to my account. The person who sent the check asked me to transfer the extra money to a Zelle account. Now, XXXX XXXX returned the check saying that the check was not legal. Now, I am not able to get my {$1700.00} which I have transferred via Zelle account.
04/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 34786
Web
XXXX has violated numerous laws. Ontop of its frivolous violations of regulation E and settling its lawsuit i brought against them and then breaching the agreement in fraud. They intentionally and punitively reported incorrect information to early warning systems and then XXXX XXXX, the high ranking Managing Director in the Legal Department who oversee litigation for Consumer Banking has accused early warning systems of violating the fcra and strictly blames them.
02/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77004
Web
Early Warning Services , LLC. has engaged in several violations of federal law. I have contacted them countless times in the past to resolve these issues amicably. However, they refuse to take all my demanded actions that are my rights as a federally protected consumer pursuant to the Fair Credit Reporting Act under Title 15 Chapter 41. I have begun my private administrative process against this company and have attached my first Affidavit of Truth I sent to them.
03/09/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 926XX
Web
It has been forever since dealing with this company and having them proof that the actual misinformation on their report belongs to me. As a victim of multiple identity theft issues I find it disgusting that they are not held to the same laws as everyone else and complying with FCRA rules. It has been beyond frustrating trying to deal with getting them to comply with the rules that follow and protect ID theft victims and maintain the integrity of credit reporting.
02/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OR
  • 97213
Web Servicemember
In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
02/26/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CO
  • 81401
Web Older American
Zelle through XXXX XXXX. This is the first time I used Zelle. I sent money to an individual expecting a product and they are not responding when I asked for a tracking number. XXXX XXXX and Zelle and not responding to my complaints either. I got ripped off for {$220.00} and I want Zelle or especially XXXX XXXX to reimburse me since they advertised the business Zelle. The individual I sent money to is XXXX XXXX, XXXX XXXX XXXX XXXX on XX/XX/2022 at XXXX p.m.
07/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33626
Web
I was a victim of a scam, they even hacked my email and got all of my information in 2019. I have all the police reports, and the pictures of fake checks and hacking proof more than once. Money was stolen from my other account twice after that. I can't open a bank account because Early Warning refuses to correct my information. I have solved everything with XXXX XXXX XXXX and XXXX. I'm asking for a resolution, to help me out to be able to open a bank account.
08/04/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 94587
Web
Early Warning Services have failed to investigate matter accurately. These items where disputed last year and early warning failed to provide accurate proof of items upon request. Instead of providing items that pertain to the XXXX XXXX XXXX & XXXX XXXX gave a blanket reason for a matter pertaining to a business account under a tax id and not a personal account. The also deflect the matter to non working XXXX number where no one responds to call or voicemails.
04/04/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • GA
  • XXXXX
Web Servicemember
My cell phone was stolen in XX/XX/23 and someone did to zelle transfers from my XXXX check oh account 1- {$100.00} 2XXXX {$300.00} To an unknown individual-XXXX XXXX I did not authorize these payments Do not know this person. Did not do any XXXX transactions to anyone Someone stole my phone at the gym Ive noticed my bank on XX/XX/23 of the fraud XXXX wont return these funds I filed an incident report with XXXX county police department regarding these charges
09/25/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • TX
  • 77066
Web
Zelle has restricted my account for no reason. I have been using Zelle for years without any problems. But recently, Zelle restricted my account for no reason. I have contacted customer service, but they will not provide me with answers. I can not send or receive any money through this service. My tokens are restricted. I tried working with my banks and credit unions but they have advised me to contact Zelle, they are the only ones who can resolve the issue.
10/07/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • TX
  • 76227
Web
Contributor : XXXX XXXX XXXX XXXX XXXX Incident Date : XX/XX/2022 Principal Loss : {$410.00} ( Please remove this from my file as this is inaccurate and not correct ) XXXX XXXX XXXX XXXX XXXX No additional information is reported. ( Please remove this from my file as this is inaccurate and not correct ) Early Warning is reporting negative information to my check system report that is inaccurate. I am requesting that this information is removed from my file.
12/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77406
Web
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple XXXX reports regarding the accounts that do not belong to me. These companies have refused to work on disputes even though they are required by law to do so. I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
11/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 331XX
Web
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. These companies have refused to work on disputes even though they are required by law to do so. I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
11/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 331XX
Web
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. These companies have refused to work on disputes even though they are required by law to do so. I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
11/02/2022 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Confusing or missing disclosures
  • TX
  • 75043
Web
I reported a fraud transaction on my Zelle account. I reported it to Zelle and my XXXX XXXX and my funds were refunded. After that incident, Zelle, without notice, suspended MY Zelle account. I called numerous times, sent emails to Customer Service and Corp Office and no one can tell me what policy I violated. I have perfect credit, money in my accounts and rarely even use Zelle. Zelle will not disclose why I have been permanently suspended. Zelle acct XXXX
11/15/2015 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • MN
  • 55406
Web Servicemember
Consumer # XXXXDispute Case ID : XXXXBank Name : XXXX XXXXReference : XXXXXXXXThe situation that happened is that I figured out that information was used to open an account on a financial institition and I contacted them to dispute this deposit accounts. They contacted me and removed me from any liability from those accounts however Early Warning will not remove this inaccuarate negatative reporting from my consumer report. I have attached a police report.
10/09/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MI
  • 48076
Web
XXXX XXXX trying to sell and item and buyer demanded using Zelle. Zelle fraud emails and texts sent saying I must lay money to receive money as my account was being made into a business account. Buyer threatened police were called and Zelle emails stated I would be investigated by the FBI. I called and complained to XXXX XXXX XXXX that charge is fraud and they said they couldnt help, transferred me to Zelle. Filed report with Zelle, scammed for {$400.00}
10/31/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 08817
Web
XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX CONSUMER ID : XXXX Dear Senior Officer, I, XXXX XXXX, hereby declare that XXXX XXXXXXXX XXXX has defamed my reputation by reporting several accounts. Furthermore, XXXX XXXX XXXX keeps slandering and abusing me. I hope you can righteously restore my reputation and help me recover from this grevious crime committed by this institution by deleting all inquiries and accounts from XXXX XXXX XXXX. Sincerely, XXXX XXXX
03/22/2018 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Managing, opening, or closing your mobile wallet account
  • NJ
  • 088XX
Web
I received two notifications from XXXX stating I received money to be sent to XXXX XXXX XXXX. I closed my XXXX XXXX XXXX back in XXXX and have no accounts there. My email should be linked with XXXX and XXXX XXXX ; however, payments continue to get routed to XXXX XXXX XXXX. I reached out to XXXX XXXX XXXX regarding this and they stated it's a XXXX issue and to contact them and were not courteous or helpful beyond " you have no accounts here currently ''.
01/04/2023 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • MI
  • 48180
Web
On XX/XX/2023 : {$390.00} was sent to Zelle account under XXXX XXXX. I had reached out to an individual on XXXX to buy concert tickets. After the money was sent I was expecting to receive the tickets, but the individual sent that they needed more money to transfer the tickets into my name. I declined and asked them to send me the money back and requested via Zelle to which I have not received anything back. Zelle has no feature in order to dispute this.
08/03/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 90046
Web
on the XXXX of XXXX i bought a ticket from a girl on social media she sold me a XXXX ticket that didnt work i sent her money through zelle and she never sent me my money back like she said she would. She scams people offering XXXX tickets for a lower price and never responds back and blocks you. i contacted my bank because its connected to my zelle and they told me i couldnt do anything about but i decided to search up what i can do to recover my money.
07/22/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92870
Web
Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX, XXXX. Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX Dear Credit and early earning services, THIS IS A FRAUD ACCOUNT NOT OPENED BY ME XXXX Contributors-XXXX XXXX-Alabama Account number-XXXX Routing # XXXX SECOND FRAUD ACCOUNT- Consumer ID # XXXX Contributors-XXXX XXXX XXXX Account XXXX Routing # XXXX FRUAD EMAIL XXXX XXXX
04/21/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 337XX
Web Older American
Some one hacked into my XXXX XXXX account and enrolled me into Zelle and withdrew {$500.00} from my XXXX XXXX account the persons name that is listed on the transaction is XXXX XXXX XXXX. I have never heard of XXXX and did not know who they were. When I loged into my XXXX account thats when i was hacked and someone had a virtual connection of my computer using XXXX XXXX. This person XXXX XXXX stole {$500.00} from my XXXX XXXX account using XXXX.
03/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33147
Web
I recently tried opening a bank account and was denied due to reporting by XXXX XXXX XXXX. Several accounts came up on my report. 1 ) XXXX XXXX Account Number : XXXX 2 ) XXXX XXXX Account Number : XXXX 3 ) XXXX XXXX Account Number : XXXX These accounts are fraudulent are a violation of my rights. I have included an identity theft report # XXXX as well as a copy of my drivers license and social for proof of identity. These items are Identity theft.
03/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11542
Web
I am filing a complaint on Early Warning Services cause they have me in their system and I have been a victim of Identity theft. I am having issues opening a bank account due to a XXXX XXXX XXXX account that was opened fraudulently in my name. I have filed a police report and tried to clear the report with Early Warning Services but they have failed to remove the fraudulent reporting or send me a report with any other information that might be fraud.
08/04/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CO
  • 80109
Web
On XX/XX/2022 I was scammed through Zelle through my bank account XXXX XXXX XXXX. They took {$800.00} from my account, I called XXXX that same day and reported what was going. The next day a representative from Zelle called me for more information on what happened. The representative on the phone told me they would be doing an investigation and that I should hear back via mail in 7-10 business days. It is now XX/XX/2022 and I haven't heard anything.
07/24/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • UT
  • 84115
Web
EWS has failed to provide under the FCRA time limit a response on their method of verification. I requested that they NOT use a XXXX method of verification and provide me the physical documentation of their methods of verification due to the nature to the dispute was due to identity theft and need the documentation for my records. They have failed to respond thus under the FCRA time frame limits the items disputed must be removed under federal law.
10/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • TX
  • 78028
Web
I have filed a report with EWS regarding a derogatory mark on my account. I am and have been requesting it be removed as the DOB listed does not match my birthdate that is listed on my consumer report. I have contacted the furnisher ( XXXX XXXX ) who have said they will collaborate with EWS to have it removed, but have not. This account does not belong to me as it does not match my personal information. I want to have this derogatory mark removed.
05/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • IL
  • 62703
Web
Ive disputed this same account on my XXXX file multiple times it is linked to a fraudulent activity being used with my name and social security number. Im resubmitting this information just in case XXXX havent already received my other documentation. Theres also a checking and savings account reporting on my consumer reports for Early Warning and XXXX consumer reports and state on this is in my identity theft report which I will provide a pdf for.
07/27/2015 Yes
  • Credit reporting
  • Unable to get credit report/credit score
  • Problem getting report or credit score
  • OK
  • XXXXX
Web
I am trying to get a report from Earlywarning, on information being told about me. I 'm told I have to send a copy of my drivers license to prove my identity. However this company asked me for my social when I called. I feel sending a copy of my identity in the mail puts me at risk for identity theft which is strongly on the rise. I am refused a copy of this report to be able to fix or dispute because I refuse to send in a copy of drivers license.
08/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33322
Web
XXXX XXXX XXXX refuses to take my name off early warning services all debts have been paid and they refuse to update the information that was cross reference with my social security number. I contacted early warning services this morning and was told to contact the institution the supervisors of XXXX XXXX XXXX have no means to help. XXXX XXXX XXXX is the worst financial institution because they cross reference my ssn with a fraudulent account
02/17/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • XXXXX
Web
This company has a bunch of misleading information about my credit for other Banks and needs to be deleted from my report did not give them permission to store my information on their system they need to delete the fraudulent items immediately I called them up many times with no answer I talk to one person there who was very rude and belligerent and abrasive these people are causing me not to have a bank account and causing me financial hardship
11/11/2016 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • GA
  • 30013
Web
A month ago, I disputed the items on the following attachments off of my Early Warning Systems Report. I have not received any confirmation of receipt, no investigation results, or anything. I called them and they said that they have no record of my dispute. Attached is the final letter that I sent them today. I will be filing suit in court 30 days from todays date if these items are not removed from my report. Please see attached documentation.
10/18/2018 Yes
  • Checking or savings account
  • Other banking product or service
  • Opening an account
  • Unable to open an account
  • GA
  • 30058
Web
Attempted to open an account with XXXX, and learned that I was unable to open per Early Warning, Contacted Early Warning, and they have been unable to provided as to why I am not able to open an account. According to the customer service person states the information that was reported was not clear but they are not reporting accurate information, but yet stopping me from opening any type of account by reporting false and inaccurate information.
10/17/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • GA
  • 30047
Web
On XX/XX/XXXX, I was scammed out of {$750.00} through Zelle because the scammer messaged my friend and I on XXXX saying they could sell us concert tickets we were in the market for. After the money was sent, they blocked both my friend and I on XXXX and the tickets were never seen. I later called XXXX XXXX to try and file a claim and nothing has been done since. {$750.00} is a lot of money and not something I can just be okay with disappearing
08/01/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • PA
  • 18045
Web
I was scammed {$1500.00} for a deposit on an apartment that the lister didn't own. They had a lease, access to conversations I had with another landlord and keys to a place for a viewing. When I wanted the deposit back due to unsatisfactory conditions they refused and I have not gotten my money back. What was listed was not what they had. I reached out to my bank and submitted a complaint through zelle. Anything that could help would be great.
11/13/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30039
Web
I have been a victim of identity theft. I have filed police reports in GA with my local department regarding these occurrences. I have been able to remove most of the damage done to my credit report but third party companies, such as XXXX and Early Warning Services have a XXXX XXXX XXXX checking account closed listed in my name and ssn which was closed around XX/XX/2017 due to an unpaid amount of {$2400.00}. I never opened an account there.
06/19/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • DC
  • 20002
Web
My phone wallet was stolen and there was numerous fraud instances on the cards and accounts. XXXX honored the fraud claims, but Zelle ( which I have never personally used ) did not honor, despite the fact that there was a police investigation and a clear perpetrator to the crime. I reached out to Zelle more than 6 times and each time they said they were investigating. The XXXX was XXXX, XXXX XXXX XXXX XXXX ) XXXX and the case number was XXXX
06/17/2015 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Public record
  • MI
  • 483XX
Web
I initially filed a dispute in XXXX 2014 and subsequently in XXXX 2014. This company continues to defame my name. I sued them, however, there is a bankruptcy stay currently in place. I have been unable to keep a bank account open. The bankruptcy case # XXXX filed in XXXX District of Michigan was discharged today. You may call to verify at XXXX, however, this company continues to report that I owe money to the banks when that is not the case.
10/20/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • GA
  • 30087
Web
Victim of Identity theft Beginning XXXX. Numerous Police reports Filed. In XXXX XXXX Bank account and XXXX account accessed fraudulently and checks deposited. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unauthorized Credit Inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
08/06/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Can't stop withdrawals from your account
  • MI
  • 490XX
Web Older American
XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX Was getting money from XXXX, but got scamed!! Figured safe thru bank. Was told to send extra because I didnt have a business account., got smart finally told him no he was scamming me, but he already took money. Called bank ASAP, had to wait for it to post but they still wouldnt give it back, told me to call Zelle but to no avail, called 4 days now, drops call, been on for 2 hours at a time!!
04/25/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • VA
  • 24073
Web
Sent money through Zelle on my banking app to complete adoption process and never received the puppy that I was adopting. I have a contract between us saying that the amount sent would be for the adoption and if that wasnt completed that I would get the money back. Money was for XXXX XXXX XXXX XXXX and registration fee. The amount was for {$650.00} process on XX/XX/2021 The companys number that the adoption was through was XXXX puppy ranch
07/30/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 92544
Web
A scammer is using zelle with the number XXXX ( XXXX ) XXXX as XXXX XXXX. The number responded saying it wasn't her but when I tried requesting my payment back through zelle, her information popped up. I wasn't able to access my zelle at the moment so I had XXXX XXXX them to the account $ XXXX! Her XXXX is @ XXXX. She also has another zelle account under " XXXX XXXX '' which they requested a zelle transaction which shows it is from XXXX.
09/09/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • NC
  • 28270
Web
On XXXX, XXXX 2021 I have send the payment through the XXXX for XXXX XXXX XXXX Mobile app. This was the rent payment I did 5 last years. But at this time the landlord didn't receive the amount of {$1500.00} because the other person was enrolled under his cell number to XXXX. I filled the dispute to XXXX XXXX XXXX and they declined my requests to return money. But the money was send to completely wrong person and I didn/t know about it.
02/06/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Can't stop withdrawals from your account
  • TX
  • XXXXX
Web Servicemember
XX/XX/2020 {$900.00} funds as a withdrawal transfer via Zelle through XXXX XXXX XXXX XXXX to XXXX XXXX. Cell XXXX XXXX XXXX was not provided due to XXXX rescheduled and unbecoming behavior and accusations towards customer. Upon medical professionals advice services were not recommended. Customer request full refund. XXXX refused, ignoring medical professionals communications via letter and email by rescheduling to an obscure date.
12/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 130XX
Web Older American
My request to set up EFT from XXXX to my bank was rejected using Early Warning 's info as the reason. Early Warning 's report was just a list of transactions, with no explanation of what transactions triggered the rejection or why. This may follow the letter of the law, but it is far from transparent. It feels like Early Warning is an excuse for XXXX to do whatever they want to whoever they want with a joke of a report as an explanation.
10/01/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 92618
Web
I purchased a used XXXX bag from a person on an XXXX called XXXX ( like XXXX ). I Zelle her {$2000.00} in full amount ( her zelle account is XXXX and my zelle is XXXX ). She said she is living in Texas, but per the tracking number she gave me, it is a package shipped from XXXX from XXXX. She refused to provide my any evidence of the shipping label fee she paid. And as I know, she is also trying to sell XXXX bag valued over {$10000.00}.
07/20/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 91761
Web
I have a checking and saving account with XXXX XXXX and they are reporting all of my private banking information which includes my daily balances, who I wrote checks and what deposit that I make to a company called Early Warning Services. I have contacted XXXX XXXX over the phone and in a branch and know one is able to tell me anything about this company and how are there legally allowed to know everything about my checking information.
05/25/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • SC
  • 293XX
Web
Early Warning Services LLC XXXX XXXX XXXX ACCT # XXXX Incident Date: XXXX /2013 Contributing Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. The actions of Early Warning Services , LLC are being reported negatively and prevents the opening of bank accounts and loans ; even though the agency has not been able to provide proof of documentation of the alledged incident.
12/03/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 94110
Web
ON XX/XX/2019 I madfe a transaction through XXXX via their Zelle service for {$200.00}. The transaction was payment for concert tickets. Once the transaction went through the person i sent the money to disappeared. I have their email and phone number. I have reached out to them individually and they threatened to kill me via text I have filed complaints with both XXXX XXXX and Zelle, but neither will take responsibility for the fraud.
12/31/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 32308
Web
My daughter and I tried to buy a XXXX puppy from XXXX XXXX XXXX, we agreed to a price of {$810.00} including shipping. We each sent {$400.00} via Zelle to XXXX. Upon getting the money, we were sent an email from XXXX asking for an additional {$1500.00}. We immediately asked for a refund of our money and that we were not interested in completing the transaction. We have not gotten our refund yet. The transaction occurred on XX/XX/20.
09/30/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NC
  • 27587
Web
XX/XX/22 {$400.00} ( almost my whole savings ) was sent from my XXXX XXXX savings accounts via Zelle. I dont know how this money was sent, as I barely even use this account its only a saving account for me. I called my institution ( XXXX ) who said they can not help me even tho it was fraud and I did not authorize this payment. I need a resolution, this cant be right and that easy of a way for scammers or thieves to take your money!
09/30/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • GA
  • 30344
Web Servicemember
I purchased tickets from a seller on XXXX using Zelle ~ I paid them {$150.00} for 2 tickets Saturday XX/XX/2019 ~ I never received the tickets. My calls were blocked. I never heard from the Seller again. I contacted my bank, XXXX XXXX XXXX XXXX and they said they could not help me. I called Zelle and they also said that they could not help me. Please help me. There has got to be someone out there who can help me. Thank you ~ XXXX
10/23/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 761XX
Web Servicemember
On XX/XX/2019 I attempted to purchase XXXX tickets to the XXXX/XXXX game in XXXX from two separate individuals and was scammed by both. The first did not send any ticket through XXXX as promised and the second individual sent scanned tickets through email that when I got to the XXXX stadium ( XXXX XXXX ) I was told they were not authentic. Both individuals blocked my number and would not answer when I called from a different phone.
07/20/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30088
Web
Date : : XX/XX/2013 The actions were taken against me as if i was doing fraudulent activities with my account but XXXX XXXX XXXX, but the account was closed per XXXX before because of XXXX allowing someone on the inside of the bank to take money from my account.. So they basically told me to closed one account to open an whole new account so the problem could stop but it did n't stop there ... So i closed the account all together.,
07/14/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NY
  • 103XX
Web
Received an email from my XXXX account notifying me that my phone was deleted from my account. When I called I come to find out that both my phone and email has been flagged by zelle for " fraud ''. I never received any notification from zelle and I never have had a problem with zelle until now. I can't add another email and I use the service often since I send money often to friends and family to pay bills and other necessities.
09/20/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • FL
  • 33168
Web
Early warning services is reporting inaccurate reports showing that in the past my account such as XXXX XXXX, XXXX New York XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Were updated closed but not in a good standing. All my bank accounts balances were paid to XXXX. There is no balance owed on any of the accounts There not advising of why the accounts were closed accurately. Which is hindering me from opening up a bank account in my name.
08/27/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 750XX
Web
XXXX XXXX and XXXX XXXX scammed me out of money. I have attached the dates and the amount of money sent to them. They refused to pay me back once I realized it was a scam. They promised me several times to refund all money sent but I never received anything. They blocked me and stopped communicating with me. They failed to provide services I paid for. Also, they committed Fraud by Deception. They had a breached our oral contract.
07/07/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TX
  • 78758
Web
Zelle blocked my profile on the Zelle app and my bank with Zelle like XXXX XXXX XXXX and XXXX XXXX XXXX. And I just got back to United State last week and found out someone stolen my identity and open an bank account and mobile line under my name and registered on Zelle app and received money and now Zelle blocked me on my bank on every zelle on my bank saying i violated the user agreement and I had already file a police report.
11/25/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92831
Web
XXXX XXXX XXXX is reporting negative information from XXXX XXXX XXXX under my name and social security number. I never opened the account they are reporting. This account was opened due to identity theft. I submit a police report to them reporting identity theft and based on my consumer rights with the Federal Trade Commission " if a police report is filed based on identity theft the item is supposed to be removed immediately ''
04/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 959XX
Web Servicemember
Not only have I never heard of this agency/service, but I NEVER consented in any way shape or form for my information to be shared/used by or to this agency/service. Since when do any bankruptcy courts report to credit agencies/services? Last time I checked they DONT. I DEMAND this service & ANY other service that shares my information without MY CONSENT be completely removed or cleared from ALL credit report ( s ) IMMEDIATELY!
02/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • SC
  • 29488
Web Servicemember
I submitted documents to early warning services about the bank account open in my name at XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I already mailed to early warning services a month ago including a police report, fraud adavitt, and signatures of mine notarized and sent to early warning services they did the investigation and found it was accurate. This was not right. I am not the owner of this account it was open fraudulently.
08/27/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • VA
  • 23111
Web
I sent {$500.00} via Zelle for a XXXX XXXXt and the seller is not acting in good faith. As agreed seller was to ship item on Friday XX/XX/2022 and provide me with a tracking number. The seller is not responding to my texts. Seller stated his name is XXXX XXXX and his zelle is linked to email XXXX. Contacted him via cell phone number ( XXXX ) XXXX disputed charge with XXXX bank and submitted an ic3 complaint. Zelle Id is : XXXX
10/04/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 339XX
Web
On XX/XX/21 I transferred money to a zelle Recipient for a apartment I sent {$100.00} for a background check and {$2400.00} for fist and last months rent and never received the apartment I was scammed out of my hard earned money and contacted XXXX XXXX and they said theres nothing they can do Ive been a loyal XXXX XXXX customer for 22yrs I also filed a police report case # XXXX XXXX XXXXXXXX police department XXXX XXXX Florida
07/01/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • IL
  • 60625
Web
My family agreed on a lease on XX/XX/XXXX, a security deposit of {$900.00} was made through XXXX XXXX and on XX/XX/XXXX a first months rent of {$1000.00} was also transferred using XXXX XXXX XXXX with Zelle to the individual that we hours later found out was scamming us into the lease and is not the actual owner of the home. We can not reverse the payments made without the scammers agreement which of course he will not make.
11/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • CA
  • 94941
Web
XXXX does NOT adhere to the 2018 federal law requiring that I be allowed to put a FREEZE on my report ONLINE via an easy process. This is the law https : //www.ftc.gov/news-events/news/press-releases/2018/09/starting-today-new-federal-law-allows-consumers-place-free-credit-freezes-yearlong-fraud-alerts XXXX is requiring that I submit a PAPER form in the MAIL, which violates the 2018 federal law requiring EASY ONLINE freezes
06/12/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • OH
  • 44112
Web
Someone sent me a payment via Zelle. I did not have Zelle at the time. I received a confirmation text of the payment. I signed up for Zelle through my bank. Zelle states they " don't have anything to do with the transaction '' and XXXX states there is no record. If Zelle doesn't have a record of the transaction ( I have the text ). How are they sending payments? Both companies are sending me to each other with no resolution.
07/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • FL
  • 32505
Web
I have contacted Early Warning LLC for a copy of my consumer report. I contacted them directly through their consumer portal. I filled out the required paperwork and submitted a copy of my ID. I have received no response from them. I have a right to a copy of my consumer report they have on file. If they can provide a copy to a bank instantly when an account is opened they can provide a copy to me in a reasonable time frame.
06/04/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NY
  • 109XX
Web
Today ( XX/XX/XXXX) we were scammed/frauded by someone acting as a landlord for a house to be rented. I sent him XXXX on Zelle and my father sent XXXX for the security deposit. We contacted XXXX/Zelle immediately after finding out about getting scammed. XXXX/Zelle said they can not do anything about it and to contact local authorities. They are not protecting their customers or least looking out for them in these situations.
11/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30019
Web
The numerous unauthorized inquiries that are shown on my file are concerning. Recently, I attempted to acquire a checking account at the nearby XXXX XXXX XXXX XXXX branch. I was surprised to see that the bank had refused my application because of an inaccurate Early Warnings report. I'd appreciate a prompt answer, and I ask that you dispute and update my credit record with all of the fraudulent inquiries deleted. Thank you.
08/03/2021 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Confusing or missing disclosures
  • CA
  • 92651
Web
I called Zelle XX/XX/XXXX after speaking to a XXXX XXXX XXXX agent wanting to cancel Zelle services do to an ongoing related fraud scam. The XXXX agent said there was no way to cancel Zelle services however on the Zelle web site it states please contact your bank or union to cancel your Zelle services. There should be a way to cancel Zelle services and neither XXXX XXXX XXXX or Zelle have any reasonable response/solution.
10/18/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TN
  • 37027
Web
I was selling pre own watch on XXXX XXXX. Buyer offer zelle through their business buyer account. But I got the email from zelle ( could be fake ) to inform me to sent XXXX to upgrade my limit zelle. I sent it and got the fake email that sent another XXXX to buyer for them to release fund. I look at the email and call zell support but I did not believe the person on the phone. He told me sent money to while he on the phone
07/31/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 33435
Web
I sent money via Zelle through my bank XXXX XXXX to a scammer who stole my money. I have reported it to the claims department and they have instructed me to reach out to the recipient to request they send me the money back but the person was presenting to be someone else and solicited me for a service. They have not responded to me. I reported their account with XXXX but they stole if and will never just hand it back over.
11/16/2020 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Other transaction problem
  • TX
  • XXXXX
Web
On XX/XX/XXXX I zelled over XXXX expecting a product. I was previously under the assumption that I had been scammed because he wouldnt get back to me but he got back to me recently saying that he never received the payment even though the money went out of my account so he didnt send over the product I was supposed to receive. I dont know the legitimacy of his claim but if this is is true I dont know why my money went out.
03/06/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • FL
  • 32224
Web Servicemember
On XX/XX/2020, I transferred {$380.00} to another Zelle user using my XXXX XXXX XXXX app to pay for concert tickets. The zelle user is XXXX XXXX ( Cell XXXX ) ( Email XXXX ). The user took the money and never delivered tickets despite sending emails and texts representing that they had tickets. I tried to dispute with XXXX XXXX XXXX which represents Zelle as being secure but it is not. I also tried disputing with Zelle.
03/13/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • GA
  • 30252
Web
I worked with Early Warning Systems a year ago. Please see attached document. I am a victim of identity fraud. They sent my report ... it is attached here. I just applied for a bank account and was denied due to Early Warning Systems. It appears that there is new information or they put back on information that was already removed. All I need is for this to be fixed like it was before. I am also attaching my police report.
07/28/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • IN
  • 471XX
Web
Through my university email, I was invited to be a personal assistant to professors. My first task was to help send money to charities for him. He wrote me a check and sent them through email, I deposited, and then I would send the money through Zelle. I would find out that the checks he sent me where fraud, so I would end up giving multiple checks of my own money to random people that I thought were orphanages/charities.
01/05/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 331XX
Web
I closed a checking and savings account with XXXX XXXX XXXX XXXX and while i was closing the account XX/XX/2021 the bank account charged a fee of {$40.00} which was then waived. XXXX XXXX however is attempting to report my closed accounts to a consumer reporting agency. I spoke to XXXX XXXX directly that has assured me there is no pending balances or unpaid charges on the account. The account numbers are XXXX and XXXX.
10/23/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 90064
Web
Person selling concert tickets gave me fake information and somehow managed to duplicate one transaction into 4. More phone numbers are using the same method of scamming through app called " XXXX XXXX XXXX. '' Selling band " XXXX '' tickets at XXXX XXXX XXXX XXXX on various dates. Phone numbers in addition to one who scammed me : XXXX XXXX All out-of-state land lines demanding to use Zelle for payments for same events.
01/06/2020 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • IL
  • 611XX
Web
Staring XX/XX/2017 there was fraudulent activity not on my part my debit card & identity was stolen as a result of that I have not been able to open a bank account saving or checking account I didnt take action before but Im now doing anything I can to take matters into my own hands Early Warning Signs has made it to where no banks will allow me to have a bank account. I have detailed dates and amounts in the attachment.
03/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30180
Web
Consumers have the right to opt out of any reporting per 15 USC 6802-6805 16 CFR 313. There has been a violation of consumers privacy ( 15 USC 1681 ( b ) ). This issue is with Early Warning as they have access to bank transactions. There would need to be proof that the banks has given out private information, person spoken to or written communications as well as any documents/ application wet ink signatures of consumer.
02/02/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NH
  • 037XX
Web
I was the victim of an elaborate online scam in which I ended up transferring XXXX dollars to someone who never reimbursed me. The transaction ( which came from my checking account ) was done on Zelle. The scammers Zelle account was XXXX XXXX and their email was XXXX. Although I spoke to my bank ( XXXX XXXX ) nearly a dozen times, and called Zelle XXXX times in total, I never got answers or an attempt at reimbursement.
12/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Public record information inaccurate
  • CA
  • 91780
Web
There is a report from EarlyWarningServices stating I had an account with XXXX XXXX XXXX XXXX which states the account was closed for fund transfer fraud yet i never opened this account or authorized it to be opened. The account was opened in 2017 XX/XX/XXXX. The account is connected to an address and phone number that is not mine, phone number XXXX and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX.
08/05/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • XXXXX
Web
I recently made purchase online on this website. XXXX XXXX XXXXXXXX after the payment was made on zelle, I have realized this is a scam website and unable to get my money refunded through zelle. The amount of purchase was {$380.00} payment made through zelle on XX/XX/2022. Contacted zelle and they asked me to contact chase bank which i used zelle through. Both entity is claiming no responsibility and no recourse.
04/21/2022 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • AZ
  • 85302
Web
I was notified by my bank on XX/XX/2022 of possible fraud charges to my account. At the same time, I started receiving text messages from Zelle about an account. I closed my bank account and tried contacting Zelle about the fraud. Because I was unable to confirm the zip code associated with the fraud account, they would not help me. I am trying to delete my phone number and any of my banking information from Zelle.
07/14/2016 Yes
  • Credit reporting
  • Credit reporting company's investigation
  • No notice of investigation status/result
  • CA
  • 91335
Web
How can Early Warning Systems say they investigated and validated the item with XXXX XXXX XXXX, when XXXX XXXX XXXX per the attached letter says they do not have any bank records. Early Warning Systems, this is your Early Warning to please delete the items related to XXXX XXXX XXXX. See attached supporting documents. cc : XXXX XXXX XXXX XXXX, Consumer Protection Attorney XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX
12/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91780
Web
On XX/XX/XXXX I was made aware of a credit card account open in my name in XXXX which was later closed for account abuse and left unpaid. Since then my name has been reported to EarlyWarningSolutions contribution ref # XXXX with XXXX XXXX The account was opened fraudulently without my knowledge tied to a phone number XXXX which is not mine, and an address i do not and have not lived XXXX XXXX XXXX XXXX XXXX ca XXXX.
11/15/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 94014
Web
Someone hacked a friend 's XXXX and XXXX and asked me to send some money, first I sent XXXX and XXXX on XX/XX/XXXX and later XXXX on XX/XX/XXXX. As soon as I realized it was a scam, I call my debit card company, they told me to call Zelle because that was the way the money was sent but they said there was nothing they could do, even though I told them the scamers were still in touch eaking for another transaction
07/19/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • AZ
  • 86314
Web
I was buying an electric bike from XXXX XXXX and they said to send money through zelle on the XXXX mobile app and I did and it said that it was delivered and completed but the person said they didnt get the money. This transaction was {$1100.00} and I think it was a scam, this happened on XX/XX/2022. I tried to get my money back from zelle and XXXX but they would not refund me because they said I authorized it.
06/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AL
  • 35758
Web
EARLY WARNING SERVICES has NOT properly INVESTIGATED an inaccurate account reporting/ bearing my name and failed to CEASE AND DESIST from any further reporting activities Pursuant to Title 15 USC 1681b ( 2 ). EARLY WARNING SERVICES has not complied of delivered ANY type of validation or ACCOUNT VERIFICATION WITHOUT PROPER DOCUMENTATION PURSUANT TO FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A )
09/26/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11365
Web
This company treated me horibke I am a victim of identity theft and have tried contacting them they dont care they are reporting fraudulent account banks and inqueires so many and they refuse to delete this from my report its hard for me to get a bank account opened by all of this negative I for reporting about me Ive been declined at multiple Banks for an account due to the information they are reporting about me
11/29/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • CA
  • 91801
Web
I got unauthorized charge {$250.00} on XX/XX/XXXX from XXXX and {$190.00} XX/XX/XXXX from XXXX XXXX I called zelle company, they can not do anything for me and ask me to call bank. The bank ask me to call zell. I want to get my money back because I got fraud. This is my first time to get fraud and zell company should help people to pull money back. Under Regulation E, zelle should help client to get money back.
02/23/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • CA
  • 92804
Web
Account was closed, tried to call and ask and I was told they couldn't tell me anything and to use something else that they can't help me with no explanation or a solution. They never told me that they closed my account and when I tried to pay my rent and my car It just showed that my number wasn't linked and I had to call and get transferred to multiple departments just for them to tell me to use something else.
07/10/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Managing, opening, or closing your mobile wallet account
  • AZ
  • XXXXX
Web
Zelle restricted my phone number upon a fraud claim by a person I sold a good on XXXX. That was a false claim and that person told me that he cancelled the dispute. No matter how many times I've called Zelle, my bank or send an email to them, they didn't help me with activating back my phone number with Zelle. Now I can't use my phone number with any banks via Zelle also can't use Zelle at all with XXXXXXXX XXXX.
10/12/2018 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • FM
  • 32303
Web
I applied for a checking account with XXXX today, XX/XX/2018. I was denied stating " Prior unfavorable experience with a financial institution. Current unfavorable experience with a financial institution. '' I contacted Early Warning to contest and dispute the incorrect information being reported that resulted in me being denied. However, as of today, Early Warning has not removed the account from XXXX XXXX XXXX.
02/04/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • 11414
Web
I send money through zelle to an impersonator. Someone hacked my relative XXXX account ( Her account is XXXX XXXX XXXX and i already reported to XXXX ) and directed me to send them money to the email XXXX. I talked to the bank ( XXXX ) and there's nothing they can do to recover the money. This scammer has already scammed a lot of relatives and is still using the XXXX account and email account to scam people.
12/02/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • WI
  • 53207
Web
I applied for a checking account at XXXX XXXX and was declined based on information from Early Warning Systems. I spoke with XXXX at Early Warning Systems and she informed me that their address is : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX I have a perfect credit score, make XXXX, have no debt, use credit responsibly, and do not bounce checks -- EVER. I feel I've been targeted and discriminated against by this agency.
10/12/2018 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • FL
  • 32303
Web
I applied for a checking account with XXXX today,XX/XX/2018. I was denied stating " Prior unfavorable experience with a financial institution. Current unfavorable experience with a financial institution. '' I contacted Early Warning to contest and dispute the incorrect information being reported that resulted in me being denied. However, as of today, Early Warning has not removed the account from XXXX XXXX XXXX.
09/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • AZ
  • 85022
Web
They are not upholding the fair credit report act! They are denying me the right to challenge them on the inaccuracies on my consumer banking report. They are creating hardship to the point where I cant not build a relationship with any financial institutions because early warning systems are blocking me at the! They are housing fraudulent claims on my report and will not remove the information for from my file
11/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11691
Web
There are multiple fraudulent accounts that are reporting on my ChexSystems & XXXX report. They are not mine and I have reached out to these companies regarding the negative items and personal information. They are still reporting on my report and are hindering me from opening bank accounts. I have submitted my supporting documents to prove these accounts are not mine and the personal information is incorrect.
11/09/2022 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Fraud or scam
  • MI
  • 48127
Web
Hello I did some exterior painting work for a supposedly investor turns out he was a scammer and got scammed XXXX $ of my own money through zelle. Deposited a check and did a transfer and the whole check was refunded and lost the XXXX $ as well didnt think anything of it was all from some work I did. Deposited the check last tuesday XX/XX/2022 and today XX/XX/2022 the money was taken out of my checking account.
05/17/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • AZ
  • 85621
Web
A person posing as a home owner agreed to lease a house for the deposit and first months rent. I paid these through zelle after having had a multiple conversations with the person on the phone and having visited the property. It was afterwards that some further investigation showed they did not own the property as it was owned by a company who rents out homes. Their name was never listed on the county register.
07/05/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NC
  • 28269
Web
XX/XX/XXXX I received an Zelle email saying that a customer sent me {$400.00} for a product I was selling but Zelle said my account need to be a business account in order for me to receive the money and that the customer had to send another {$400.00} to make my account into a business account adding up to {$800.00} but I had to refund another {$400.00} to receive the {$800.00} after verification but never did.
07/22/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • NJ
  • 08611
Web
I was denied opening a bank account at XXXX XXXX in XXXX nj because early warning services reported me to them. Ive never utlitized credit in my life. I dont even have a credit score or any debt ever. I have a thin file and i havent had a bank account since 2009. The report they have is inaccurate and is detrimental to me not being able to open a bank account with my work check drawn from the same bank XXXX.
04/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Old information reappears or never goes away
  • PA
  • 18504
Web
I contacted Zelle a while ago in 2022 via phone saying they could not do anything for my issue with XXXX putting me on the global restriction list. I have been unenrolled through Zelle by them. I would like to be able to use my Zelle account email and phone number. I am unable to access or use money transferring services like Zelle or XXXX because of this. I also contacted XXXX, attached in the screenshots.
09/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • TX
  • 76020
Web
Hello, Ive contacted Early Warning LLC to get my data report as Ive been denied several account openings because of their report. I submitted the request for report on XX/XX/22 and have not received any communication from Early Warning. The means to go about requesting the report online is clearly designed to deter submissions, and theres nothing in place to communicate if your submission was ever received.
07/19/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • MO
  • 63109
Web
Person said they sent me {$200.00} to my zelle. I checked my email and I had an extremely official looking email from Zelle who said I did not have a business account and there needed to be more money sent by the seller. The seller said they did their part, I sent them the refund. I didn't feel right about it, but the email was SO realistic. I felt like I must be missing something and this HAD to be legit.
08/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60440
Web
EWS ( Early Warning Services ) unlawfully obtained my credit profile and reported it to XXXX XXXX XXXX XXXX without my permission. Initially XXXX XXXX allowed me to open an account with no problem but 2 days later they placed a restriction on my account and I have not be allowed to access it due to whatever info that is being reported by EWS. They are now holding my money and will not allow me to access it.
02/05/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • GA
  • XXXXX
Web
On XX/XX/XXXX at XXXX XXXX I purchased ticket for XXXX Concert using Zelle for {$150.00}. The ticket was was supposed to be transferred to my XXXX account. It was never done. The $ was transferred out of my XXXX XXXX XXXX Account. The money was transferred to Zelle account XXXX under the name of XXXX XXXX. This is a fraudulent transaction ... future attempts to contact XXXX XXXX were never returned.
05/15/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • IL
  • 604XX
Web
I contacted XXXX and Early Warning regarding inaccurate information being reported on my consumer reports by them. They asked me to provide proof of my Chapter XXXX Bankruptcy filing and discharge and stated that they would remove the negative marks on the consumer reports. I provided these documents several times and even had my attorney contact them and they have not cleared these reports up for me.
11/17/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • FL
  • 34113
Web Older American
On XX/XX/ I sent a Zelle transfer to my son from my XXXX account to his XXXX account for {$3500.00}. He never received it and Zelle said the transaction failed. XXXX has said they did nothing wrong, that the transaction went thru -which it didnt because Zelle even said it didnt. I cant call Zelle direct because I use my XXXX account : they wont even talk to me on the phone. Help I want my money back!!!
12/07/2022 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • FL
  • 33647
Web
On XX/XX/2022 around XXXX I got a scam from the market place on XXXX XXXX I posted an item but the person scammed me {$500.00} by sending me a fake Zelle account email to made me sent {$500.00} through the Zelle. Now they are frauding me higher amount of {$1000.00}. I already contacted XXXX XXXX and reported the fraud but they didnt help I need to pay my rent and now I don't have money to pay please help
12/28/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MA
  • 015XX
Web
XX/XX/23 a company named Zelle hacked my account and took {$3000.00}. I contacted Zelle who said they wouldn't help. I contacted my bank and it was reported as fraud. XXXX XXXX will not reimburse even though it's fraud because they lose money. This was not a scam. My bank can see the withdrawals. I want everyone know about fraud reporting and how it does not help to get what back what was taken from you
10/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Problem getting your free annual credit report
  • IL
  • 60827
Web
I have been trying to get my consumer report from Early Warning Services for 8 months now. They have a online system that is available to receive a consumer report however they have not sent it to me via their online system and I have mailed them to request my consumer report and they still haven't sent it to me. This is unacceptable. As a consumer, I have the right to know what is on my consumer reports.
12/03/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • MD
  • 20774
Web
I sent an inquiry to Early Warning which keeps track of peoples personal bank accounts. This organization tracks every single transaction made in a bank account. They have never disclosed that they are doing this nor did they ask my permission to do so. When I tried to get a freeze they denied me quoting section of the FCPA 603 ( x ) saying they are a special agency and they don't have to follow the FCPA.
10/18/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • CA
  • 90732
Web Servicemember
XXXX XX/XX/2022 {$1000.00} ( XXXX XXXX was duped, conned, unwittingly deceived tricked into transferring funds for product I NEVER RECEIVED. When asked for my money back from XXXX first then Zelle, then ( XXXX ) I was told NO. Come to find out, EARLY WARNING SERVICES LLC ( Zelle ) is owned by XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( my bank ) had told me they had no relation to Zelle!!!! thats a lie!
04/25/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • IL
  • 60423
Web
I got scammed by someone on XXXX about property rent which is not his property. So, I send him money over to Zelle and XXXX around XX/XX/XXXX and XXXX XXXX. After knew I got scammed that property belong to someone else. I did call my bank to stop payment on Zelle and also file a claim with XXXX and report to local police. I did give them the police report number but they won't send the back money to me.
05/22/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30067
Web
I was reported to ews over a year ago for a fraudulent activity that took place on a XXXX XXXX XXXX account that i never had. Which forcefully caused my XXXX XXXX bank account to close when i made an attempt to open an additional account to manage my money better. I have made several attempts on contacting ews but the account i requested to be resolved have been bypassed. I am seeking immediate results.
11/09/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other service problem
  • CT
  • 06320
Web
According to XXXXXXXX XXXX rep, a report was sent to Zelle in XXXX requesting restriction removed which is linked to my number, XXXX XXXX XXXX. The request was denied. Previously, I used the number for Zelle under XXXX, which there was never any issue. A prior CFPB complaint was filed, Zelle claims the number is good to use, however, the error still persists, unable to use Zelle under my phone number.
12/02/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • AL
  • 35802
Web
I transferred money from my credit union using Zelle software which is integrated on the credit union app. After transferring the money and try to receive my money, Zelle said that Im unable to create an account because I changed my number a month ago. Basically they will not cancel any transaction or not refund any money after 15 days. I cant wait 15 days because that money is part of my monthly rent.
05/21/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MO
  • 64083
Web
Was trying to sell something on XXXX market place, had someone respond immediately. Was told that the account needed an additional XXXX to upgrade the Zelle account, I sent the person XXXX believing it was legit, the person started getting hostile with me when I said I was calling Zelle customer service. I immediately called my bank to see if I could get the payment stopped and it could not be stopped.
01/13/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • AZ
  • 85747
Web
On the XX/XX/2021 one I received a spoofed phone call from XXXX XXXX at XXXX PM MST this phone call was a very professional act of fraud completely imitating the XXXX XXXX fraud detection phone call that I have received in the past and made me believe my Zelle was being XXXX therefore I followed through and ended up getting scammed into sending money forward to another person using my own phone number.
02/25/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CO
  • 811XX
Web
On XX/XX/2023, I attempted to purchase a puppy from XXXX. The owner said his name was XXXX XXXX. The phone number I was given was XXXX. I sent this individual {$810.00} but had to send them in increments. Through Zelle, I sent this person three {$200.00} amounts, {$100.00} and {$110.00}, which amounts to {$810.00}. They were a fraud ; I never received my puppy, and their site is still scamming people.
09/15/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem using a debit or ATM card
  • IN
  • 46260
Web
On XX/XX/2022 i made two payments using Zelle payment system. The amounts were {$150.00} and {$200.00} to XXXX XXXX. The transaction IDs are XXXX ( {$150.00} ) and XXXX ( {$200.00} ). XXXX received the funds but did not give me the product. He would not meet me at the desired location of XXXX XXXX XXXX XXXX, XXXX XXXX. Hopefully these transactions can be reversed. Thank you for all the help. XXXX XXXX
05/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • CA
  • 90250
Web
Im having trouble opening an account due to being a victim of fraud. Someone I didnt know deposited and withdrew money and caused my account to close and I wasnt aware of the situation around last year, I talked to the bank and they said I have to clear it off my record. If you could please help me with cleaning my record to be able to open an account I would highly appreciate your support, thank you.
08/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30106
Web
XXXX XXXX XXXX has informed me that an account that is being reported to my Early Warning Consumer report ( Acct ending in XXXX ) was fraudulently opened, and provided me a letter stating that I am not responsible for this account. Early Warning is still reporting this account to my consumer report. Please remove this account immediately. I have provided the letter confirming I am not responsible.
01/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • VA
  • 23234
Web
I faxed & submitted my first dispute to my consumer report on XX/XX/XXXX to Early Warning Services in order to remove a report my my file. I was told that my issue would be reviewed within 30 days. On XX/XX/XXXX, I followed up with Early Warning Services, only to find out that my dispute was not recieved nor resolved. Afterwards, I faxed and submitted my second dispute in regards to the same issue.
08/15/2018 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • TX
  • 75231
Web
On XXXX XXXX, I initiated a transfer {$400.00} from my checking account to another person, using XXXX provided by XXXX app. But just after I submitted that transaction, I realized that that's a fraud transaction and I want to cancel it. Then I called the XXXX bank and XXXX immediately. However, the costumer representatives told me that the transaction has been completed and they can not do anything.
02/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Investigation took more than 30 days
  • NY
  • 10459
Web
On XX/XX/2021 I sent a dispute letter to early warning services in regards to a XXXX XXXX XXXX account reporting on my consumer report, I never initiated the transactions being reported and ask for the account and information to be verified. The investigation of my dispute has been going on for 90days or more now. Company : XXXX XXXX XXXX Account Number : XXXX Contributions Reference Number : XXXX
04/27/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TX
  • 75019
Web Older American
On XX/XX/21, Zelle transferred {$490.00} from my checking account to someone named XXXX XXXX. I do not nor have I ever had a Zelle account. I do not know XXXX XXXX. My bank was notified XX/XX/21 that this transaction was made without my approval. The transaction was not stopped. I phoned Zelle to make them aware, but was told this was an issue I had to take up with my bank. They would not help me.
09/26/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • VA
  • XXXXX
Web
I saw a nice pair of shoes online and texted the XXXX page. He said right after I pay him he will send me a confirmation mail and mail me the shoes. Right after I paid the merchant he stopped responding to my texts and calls and isn't sending me any mail. Please help me with this scam .please look into it the date was today XX/XX/XXXX by the XXXX page called XXXX handled by this man called XXXX XXXX
08/08/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Opening an account
  • Unable to open an account
  • AZ
  • 85022
Web
Early warning system is not following the banking rules. They dont even reply back to letters! They are housing information that is not Accurate! They are creating hardship on my banking account! I cant get no funds for any banks! They are blocking me from opening accounts! I never did any type of fraudulent activity or transactions. Can you show me why I cant not get any checks or saving accounts.
05/04/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 77479
Web
I received fake checks from the person who wanted to purchase second handed furniture from me on XXXX. And turned out these people were scammers and they just wanted to stole money from me. After deposited the cash, they asked me to cancel the purchase order and let me to return the money. So I zelled the money back to them at the time I didnt realize that they were scammers instead of real buyers.
01/04/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • NV
  • 89102
Web Servicemember
On XX/XX/2021, a customer paid my business using XXXX. XXXX will not give me my money because I don't have a traditional phone number. I would not have known this before the customer paid me via XXXX because I do not typically use XXXX. Regardless, me not having a traditional phonr number does not give XXXX the permission to steal my money. I want my money, and I don't care how they get it to me.
11/11/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 91789
Web
XX/XX/2021 - {$700.00} XX/XX/2021 - {$1200.00} XX/XX/2021 - {$2000.00} XX/XX/2021 - {$2000.00} XX/XX/2021 - {$2000.00} XX/XX/2021 - {$2000.00} XX/XX/2021 - {$2000.00} XXXX XXXX - {$700.00} XX/XX/2021 - {$670.00} All transactions were supposed to be going to stuff, but I never received any receipts for the transactions and never received the service that was paid for from any of the transactions.
06/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19121
Web
To whom it may concern. I was reviewing my consumer report and I notice these accounts negative account being reported without my permission. I would like for you to furnish me my contract I have with each of these banks, with my signature. Please provide me a signature or contract that shows that I was negative on these accounts. If you can't furnish it, you have to remove it within XXXX days.
09/23/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FM
  • 32303
Web
I have been challenging the XXXX XXXX XXXX account listed on my report for one year now. Finally, XXXX XXXX XXXX concluded their investigation and decided in my favor to remove the account listed on my report. it was opened due to fraud and i opened a police report. I have been embarrassed for over one year when trying to open an account. I couldnt even get a job in the bank because of this.
06/17/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Public record information inaccurate
  • GA
  • 30080
Web
XXXX XXXX XXXX alleged fraudulent activity on a checking account and closed it without cause. I called XXXX XXXX XXXX to address the situation and it seems they have not been willing to help. They reported the negative and inaccurate information to Early Warning Services, which has had a negative impact to me doing business with other banks. I even sent several emails to the CEO with no reply.
09/02/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • IL
  • 60609
Web
I was on offer up trying to purchase couches, I found some I really liked and the person selling them said to send XXXX so they can take them offline and hold them for me and when they delivered them Ill pay the rest in cash but they stopped responding and deleted the post. All I have is the email I sent the money to trough Zelle. Zelle nor chase are willing to help me retrieve my money back.
09/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • DC
  • 20032
Web
On XXXX, XXXX XXXX XXXX XXXX submitted an adjustment to the main consumer reporting agencies to delete the specified tradeline, being the account ending in XXXX, from the file. I requested to the main reporting agency and requested this negative item be removed from my file and also submitted supporting documentation. The results of their investigation is that there reporting is accurate.
10/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AZ
  • 85022
Web
They are not upholding the FCRA ( Fair Credit reporting Act ) they are causing me stress and hardship! Using my information for profit without my consent! They are not following the guidelines and protocols. They are defaming my character. Needless to say they have violated me all over. I provided all the proper documentation to my case. I sent in cease and desist letters and everything!
07/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • FL
  • 32505
Web Older American
I contacted Early warning systems almost 10 days ago and requested a copy of my consumer report. I requested this report through their portal. I have yet to receive a response from them. I have a right to this information. If they can supply this information to a bank instantly then they can e-mail, mail, etc me by now. Its clear from the attachment that I requested this report on the XXXX
04/20/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Fees charged for closing account
  • CA
  • 90032
Web
I, XXXX XXXX closed a checking account from XXXX XXXX in 2017 with no pending charges or balance. On the consumer report from EarlyWarningSolutions the account reported as Unpaid and states a principle loss of {$15.00} which the bank directly can not confirm this charge. On the consumer report also states a fee reversal of {$370.00} which is incorrect or invalid. Contribution Ref # : XXXX.
08/28/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 77449
Web Servicemember
Responded to a XXXX add selling XXXX XXXX XXXX. Communicated with the seller via text about the process. Agreed to a {$700.00} deposit to reserve a puppy. Once payment was made via Zelle using my XXXX XXXX XXXX account, the seller stopped responding to texts and phone calls. Date money sent : XXXX Amount : {$700.00} Transaction ID : XXXX Sellers name : XXXX XXXX Sellers email : XXXX XXXX
08/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29488
Web Servicemember
I have contacted early warning services for months and still they have not deleted the fraud bank accounts that were open up in my name XXXX XXXX XXXX, XXXX XXXX and all the XXXX XXXX and XXXX XXXX accounts all are fraud. I have sent police reports several times the banks did not do a fully investigation. I have included new evidence signatures in front of notary and a new police report.
06/01/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • WA
  • XXXXX
Web
I requested funds with Zelle Services ... the transfer appeared to be laced with fraud. Tried to contact Zelle ... NO EMAIL LISTED< NO PHONE CONTACT GOOD, NO REPONSE regarding fraud activity. If Zelle is a financial entity tied to the banking institutions this is a violation of the FTC and US Monetary guidelines. I hgave emails from Zelle - Fraud emails that I can forward at anyy time
07/23/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • FL
  • 33024
Web Servicemember
I had set up direct deposit with XXXX for my XXXX check. However they didn't do it and my account ended up being negative and I never received any of my checks. I was unable to do anything because I was XXXX They closed my account that I had for XXXX years. I was then put on early warning and haven't been able to get an account anywhere for the past XXXX years. This all happened in 2018.
07/07/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • OH
  • 43220
Web
A guy posted concert tickets available for this Saturday XXXX to XXXX XXXX in XXXX XXXX, OH, so after messaging the poster of the available tickets and him showing XXXX receipts for these tickets, I sent him {$250.00} for 2 tickets as requested via Zelle ( transaction # 's XXXX and XXXX ) to XXXX and name XXXX XXXX. His phone number is XXXX. I have screenshots of all of our interactions.
06/15/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • TN
  • 374XX
Web
On XX/XX/2022 I noticed a fraudulent account opened without my knowledge at XXXX XXXX and XXXXXXXX XXXX The account was opened XXXX XXXX, the account number is XXXX and the routing number is XXXX, for an amount of {$76.00}, possibly more. This account was opened without my consent and my personal information was falsely used! I have included my FTC affidavit for my support and reasons.
04/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 312XX
Web
XXXX XXXX XXXX and XXXX XXXX XXXX are all showing on a early warnings consumer report these are all stemming from identity theft in which I've sent police reports affidavits and ftc reports these financial institutions have chosen to violate my rights and not remove these invalid and illegal accounts from thier system over hired an attorney to take matters to local and federal courts
09/30/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • PA
  • 19426
Web
I was called from XXXX 's phone number asking if I authorized a Zelle transfer. I said No. The caller said they were with XXXX and I had to transfer to a XXXX agent via zelle to reverse the fraudulent charge. I sent them {$1000.00}. Zelle won't refund me any money even though I was tricked into providing the funds. This call occurred on XX/XX/29 and I reported it to XXXX the same day.
12/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30125
Web
XXXX failed to investigate a concern for ID theft. They respond to another CFPD complaint and said the information from XXXX XXXX XXXX was accurate however I have attached the letter from them Stating the information was not main and that it has been removed from XXXX. I am also disputing the inquires made without my knowledge of someone trying to open an account. They is at least 50!
08/19/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NY
  • XXXXX
Web
I was attempting to buy a XXXX off of XXXX XXXX. The seller asked me to transfer money from my bank to him through Zelle. After I asked for pictures and everything to make sure it was a legit product I sent my first payment of {$500.00} and did not receive any message from the seller since then. I have no hope of receiving the product and the seller has refused to answer my contacts.
02/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Identity theft protection or other monitoring services
  • Problem with product or service terms changing
  • TX
  • 77077
Web
I wanted to opt out of reporting for Early Warning Services. They informed me that I was not allowed to opt out as they had a right to release my consumer report to whoever asks for it. This is a direct violation of the Fair Credit Reporting Act. Pursuant to 15 USC 6802, it is my right, not a privilege to opt out of any reporting agency. Early Warning Services is violating my rights.
05/17/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28226
Web
I am a victim of identity theft. The information listed in this package, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I was XXXX from XX/XX/XXXX until XX/XX/XXXX. During that peiod some one used my identity to purchase houses, open several bank accounts, apply for credit, file taxes and seek medical care.
09/22/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • TX
  • 75134
Web
I wish to dispute only one account XXXX XXXX XXXX I didnt apply for this account Never did business with XXXX and never lived at XXXX XXXX XXXX XXXX Texas XXXX and I have proof of address if needed.. Never own a email address XXXX XXXX isnt giving me the option to send in a FTC police report and keeps rejection this dispute Please reopen this investigation for fraud/identity theft
08/22/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 95124
Web
I was making a sale to a customer from XXXX XXXX, and he said he was going to pay me on Zelle. I received a fraudulent email saying that my account needed to be credited {$300.00} because it didn't have enough money to make the transaction. I did not know that it was fraudulent, so I made the {$300.00} payment. I never received the payment for the product and now I am out {$300.00}.
07/05/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 91001
Web
I transferred {$150.00} via Zelle to the receiver account on XXXX XX/XX/2023, but the receiver claimed that didn't receive money until now. payment details : Transferred at XXXX, XXXX XX/XX/2023, {$150.00} processing AZ Confirmation # XXXX from : A Z To : XXXX XXXX XXXX XXXX, a division of XXXXXXXX XXXX XXXX XXXX, # # # # # # XXXX sent : Today Available : Monday Payment ID : XXXX
02/13/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • NY
  • 10701
Web
XXXXXXXX XXXX and early warning services have reported me and as I said someone fraudulently deposited a fake check into my account with XXXX XXXX XXXXXXXX they are trying to held me accountable for this action that was not made by me this is very unfair and unconvincing me to open new accounts and expansion for my business I feel like since Im a XXXXXXXX XXXX XXXX Im discriminated
12/05/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CO
  • 80138
Web Older American
On XXXX XXXX I sent {$930.00} using Zelle through XXXX. to XXXX XXXX XXXX for XXXX tickets. His email XXXX. I contacted XXXX XXXX afterwards to report scam & request info I could contact him or his bank. I received screen prints from their trace with all the pertinent information eradicated. I went into my local branch and no, they could not give me any of his info for his privacy.
09/19/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • VA
  • 23701
Web Servicemember
I was trying to buy a puppy and used zelle to send the money to the person Zelle got the money by bank confirmed it. I later found out the whole thing was a scam but my bank XXXX XXXX said they couldnt do anything because zelle has the money so I called zelle so that I can cancel and get my money back but they said the scammer already has the money and theres nothing they could do.
07/28/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • PA
  • 19403
Web
I sent Zelle payment from my bank ( XXXX XXXX XXXX ) on XX/XX/2023. Amount is : {$1900.00}. See confirmations. I had the funds in the account but the recipient did not get it. Why not? Why the issue? There should be no issues on my end!! Please investigate and report back, date by date, step by step, why this failed. I lost {$50000.00} worth of business because of that. Thank you.
12/21/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • OH
  • 452XX
Web
Early Warning Services did not comply with request. Instead of providing an accurate and true report, I was provided a statement which in no way shows why I cant open bank account. This is a breach of my personal privacy as it relates to transactions which early warning services are not a party to and did/do not have my consent to purchase our share any of my personal information.
09/02/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • TN
  • 374XX
Web
I received a text that appeared to be from XXXX. It asked if I was attempting to transfer money via wire from my account. I responded no. A man called saying he was from XXXX. He called from a number that was on the back of my debit card. XXXX customer service number. He then used information to gain access to my account and trans {$3200.00} from my account. His name is XXXX XXXX.
12/14/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem with a lender or other company charging your account
  • Can't stop withdrawals from your account
  • CA
  • 91780
Web
XXXX XXXX XXXX has been constantly charging or withdrawing money from my account for multiple years which lead me to requesting an account closure. However the account is reported to EarlyWarningServices as a closed account by the granter. This information is incorrect and EarlyWarningServices verified that the information about insufficient funds from XXXX to XXXX are inaccurate.
12/14/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • CA
  • 91780
Web
XXXX XXXX XXXX has been constantly charging or withdrawing money from my account for multiple years which lead me to requesting an account closure. However the account is reported to EarlyWarningServices as a closed account by the granter. This information is incorrect and EarlyWarningServices verified that the information about insufficient funds from XXXX to XXXX are inaccurate.
01/10/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • UT
  • XXXXX
Web
Early warning system re-inserted multiple account information back on my consumer report. Has failed to provide how XXXX XXXX verified fraudulent balances and information. Provide the physical documentation that was given that complies with the law under the FCRA that allows you to re-insert the information. Otherwise promptly delete the information back off of my consumer report.
06/15/2018 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 333XX
Web
Today, XX/XX/XXXX, I used an app called XXXX to purchase XXXX XXXX tickets from a seller. Her phone number is XXXX ( XXXX ) XXXX and her email address is XXXX. XXXX does not help at all. I tried to reach out to XXXX but they will not assist. I transferred {$100.00} from my bank account to the sellers. The seller said they would immediately send me my tickets. Then, they never did.
02/10/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 94704
Web
I found an seller selling items on XXXX who refuse to use the platform 's shipping and payment solution and insisted to ship himself. I refused to pay for the item but paid the shipping fee for a shipping receipt where the tracking information is partially covered through Zelle. After investigation with XXXX ( The XXXX XXXX # XXXX XXXX ) it turns out the shipping receipt is fake.
02/14/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • MD
  • 20850
Web
Someone post a rent payment service on XXXX group saying they could pay the rent at discounted rate. They could made the transaction first and then I paid later. I seller them after I saw the transaction was made. But they reversed the transaction several days after. I didnt know it until this week I got a notice that the transaction got reversed because the card holder dispute.
12/22/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • IL
  • 60619
Web
I had a checking account with XXXX XXXX that is now XXXX XXXX that was closed due to fraud activity that I was unaware of I paid debt owed to the bank and this account is still showing up as fraud activity this situation is stopping me from opening any accounts I have filed a police report I have disputed this with early warning service they still havent taken care of the issue.
07/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 216XX
Web
Early Warning System issued a report on my banking activity. It contains numerous false statements and Ive tried to address these issues with the company but it seemingly refuses to rectify them. I can not open any checking account because of the report. This causes great inconvenience and the company informed me that the false information will stay on my record for five years.
10/03/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 90036
Web
XXXX XXXX XXXX XXXX XXXX XXXX ) sent me a zelle transfer of {$2500.00} for a debt to my XXXX XXXX account. She later called her bank and reported the transfer as fraud in order to stop the payment. As a result, Zelle deactivated my accountXXXX XXXX XXXX closed my account and I can not access my funds. XXXX XXXX falsely reported fraud to her bank to stop the payment of the debt.
01/19/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • OK
  • 74055
Web
I sent {$600.00} via Zelle to a seller for XXXX tickets. The money was withdrawn from my bank account. The seller will not provide me with the tickets and will not refund my money. This was a scam, and Zelle will not reimburse me for this scam even though I have documented messages between myself and the seller requesting that the transaction be cancelled and my money refunded.
03/13/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • ND
  • 58201
Web Servicemember
Early Warning is reporting a fraudulent and unauthorized XXXX Checking Account on my Early Warning consumer report that do n't belong to me. I am a victim of identity theft and someone stole and used my personal information to impersonate me and opened a fraudulent and unauthorized checking account with XXXX. I have attached documents to this complaint I sent to Early Warning.
12/13/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • OH
  • 44120
Web
The account was opened XX/XX/XXXX the account was closed XX/XX/XXXX. The account was closed due to fraudulent check being deposited into an ATM after hours the check was never cashed out. Upon talking to XXXX I notified them that I didnt do it and had no knowledge of this deposit they said it would be resolved, their resolution was closing the account and reporting it to XXXX
04/03/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 90015
Web
I wanted to buy basketball tickets for my nephew who was in town for spring break. Someone I follow on twitter was selling tickets so I inquired. They said they were selling tickets for {$300.00}. I sent the money and they said they'd send me the tickets immediately via XXXX XXXX. I sent the money via XXXX and the tickets never came and after I called him out, he blocked me.
05/07/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • GA
  • 30096
Web
Zelle is the Only App that does not have any accountablilty nor does it warn users that sending money to a stand alone zelle app is not protected..Zelle and XXXX XXXX only notify consumers after the money has been given and it does not matter if the president of the United Stated says it is fraud..the defense is that you should only use zelle for family and trusted friends..
07/22/2016 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • TX
  • 77038
Web
I walked into the bank and was denied a checking account due to incorrect information on a report from early warning services. I submitted a letter to early warning services to have the negative report remove. Early Warning Services told me that they will not remove the negative inquiry, even though I provided a letter from the company stating that the reporting is incorrect.
08/31/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • OH
  • 43081
Web
I sent someone money for hockey tickets. They took the money and never sent me the tickets. I tried to contact them multiple times afterward to refund my money and they blocked my number. XXXX with Zelle does not offer any refund services in case something like this happens, unfortunately there are scam artists out there who take advantage of people and Zelle does not care.
08/26/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with fraud alerts or security freezes
  • OH
  • 44128
Web
I have been a victim of identity theft and i have been trying t obtain my report with you all. I recently applied for a XXXX account and there was a denial. I have never defaulted on a bank account and someone have opened accounts in my name. I need you to take this fraudulent accounts out of my name and I am not responsible for someone elses crime and stealing my identity.
11/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 78109
Web
After several attempts to communication with the company. The company has failed to produce documents to validate the information that is being distributed to banking companies upon request. This agency is reporting to companies and should housed this data per law, however in any case when the information can not be validated it should be deleted from the consumer profile.
05/05/2022 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Fraud or scam
  • TX
  • 77063
Web
XX/XX/2021 sent {$800.00} to this email XXXX This man was pretending to be military and that he loved me and needed the money as early release out of the military. He went by XXXX XXXX and found me on XXXX pretending to be another man. I found out that it was not him and he lied to me and scammed me. He made fake military Id and passport that he sent me that I screen shot.
10/25/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90005
Web
I HAVE REQUESTED PREVIOUSLY I AM A VICTIM OF IDENTITY THEFT AND THERE HAVE BEEN ACCOUNTS CREATED UNDER MY NAME BY USING MY INFORMATION. I REQUESTED THE INSTITUTION TO DISPUTE THAT ACCOUNT AS IT IS NOT MINE OR I AUTHORIZE IT BECAUSE IT AFFECTS MY CREDIT REPORT. DUE TO THAT IM STRUGGLING TO GET A CAR ETC. I NEED TO GET MY ACCOUNT DISPUTED FROM XXXX CREDIT AS IT IS NOT MINE.
08/25/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NV
  • 89134
Web
Hello good afternoon! I got scammed and sent money through Zelle to the scammer and was not able to reverse the transaction in the amount of 2000 XXXX I spoke to the bank and Zelle fraud office and all they said is " we filed a claim '' there is nothing else they can do! It's a lot of money and I need to pay bills!!! please let me know if you can help. thank you!!!
08/05/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NJ
  • 076XX
Web
ZELLE USED BY FRAUDSTERS On XXXX XXXX I sent {$520.00} to On ZELLE to reserve a room to XXXX On XXXX XXXX I sent the balance of {$520.00} to XXXX I was scammed by someone renting a room that did not belong to him. I arrived and the real owner proved that I was a victim of fraud. ZELLE and XXXX are complicit with the fraudsters because they refuse to reverse the payments
07/09/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • GA
  • 30024
Web
On XXXX XXXX. I purchased crypto training for XXXX via zelle. Zelle not the receipent are.not giving me my money back. It is a scam. XXXX XXXX the person I paid has ignored me, the banks and zelle has ignored me. I have been given the run around for a year. All I wanted was the training. He never did that and he kept my XXXX What a stand up guy. He's now the owner of XXXX
09/21/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • LA
  • 713XX
Web
Opening an checking account with XXXX that I currently have had for 13 years and they denied me for 1 ) too many deposit sent back and 2 ) bad banking relationship. Im currently with good standing wuth my current banks and never had any complaint. I called and they said to call XXXX I called XXXX they said to call early warning and neither could tell me what was going on
03/30/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • KY
  • 41015
Web
I was XXXX for almost 10 years. I was released XX/XX/XXXX-18. All my information was stolen and accounts have been opened and debts accumulated beyond belief! This is a very frustrating process. This complaint is for XXXX and XXXX XXXX XXXX. They have listed multiple accounts as well as bad checks. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and a bad check to XXXX.
11/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Investigation took more than 30 days
  • NC
  • 27406
Web
Contribution Reference XXXX XXXX XXXX XXXX XXXXXXXX I disputed this account with Early Warning Services back in XX/XX/2023 the information they are reporting is incorrect and inaccurate and I would like to have this account removed from my credit report immediately. I've also disputed this account with XXXX XXXX XXXX through CFPB and I've filed a identity theft report.
02/28/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • PA
  • 180XX
Web
On XX/XX/XXXX I was the victim of a Zelle scam. A thousand dollars was stolen from my bank account without my authorization and my bank XXXX XXXX won't help me at all to refund my money. I did point out the XXXX law The Electronic Transfer Act but they completely ignored me. I feel extremely violated by everyone especially my bank that was supposed to protect my funds.
01/17/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • GA
  • 30338
Web
Dates : XX/XX//2019 ; {$250.00} : Tried reaching the person phone number, IM him but he removed from group does not pick up the call. He has an advertisement in XXXX and send some documents to support him. There is no company involved I transferred to the person through XXXX. I have his full billing address that too post paid from XXXX. XXXX XXXX XXXX, GA, XXXX.
06/05/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CO
  • 802XX
Web
Re : Zelle XX/XX/21 {$370.00} Currently on hold with XXXX XXXX XXXX to halt the processing of this payment ... XXXX me, attempted to buy soccer tickets on XXXX. I had my doubts but the seller kept reassuring me along the way. Once the money was sent he kept sending additional requests for money. I never rec 'd the tickets and the seller refused to refund my money.
12/30/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • CA
  • 946XX
Web
On XX/XX/XXXX and electronic transfer amount of {$950.00} from XXXX XXXX XXXX XXXX to XXXX through XXXX was not completed due to a connectivity issue. I have contacted XXXX XXXX XXXX XXXX daily in an attempt to resolve this issue but to date ( XX/XX/XXXX ) the money has not been returned to my account. I have incurred {$45.00} in late fees due to this failed transfer.
09/08/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem making or receiving payments
  • PA
  • 15235
Web Older American
I bought XXXX XXXXXXXX XXXX convertible from a dealership in Florida called XXXX XXXX in XXXX XXXX. I paid the gentleman through bank transfer and zelle a total of {$6600.00} for the price of the car and the transportation. He did not send me the car with the {$650.00} I sent him he kept the money. Waited 2 months to ship me my title. Never received the bill of sale.
03/10/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • IL
  • 60803
Web
I am unable to open a checking account due to ( EARLY WARNING CONSUMER REPORTING AGENCY ). 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Subject to subsection ( f ) and except as provided in subsection ( g ).
03/31/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 75237
Web
On XXXX XXXX I was on XXXX shopping for a puppy and I saw a merchant was selling her XXXX XXXX for {$250.00} and I have reach out to her via text message and she applied back that if I wanted the pup I needed to send {$50.00} deposit and I sent the {$50.00} plus {$110.00} and {$140.00} She supposed meet that day never show up with the dog. And gave me a fake address.
04/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • GA
  • 312XX
Web
there are multiple bank accounts that were opened with several financial institutions that are stemming from identity theft these accounts are being reported on my consumer reports with early warning and XXXX XXXX these reports are inaccurate and in violation of my consumer rights and fcra policies ive hired a legal team to persue legal action for several violations
09/23/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • UT
  • 84321
Web
I was attempting to sell an item on XXXX XXXX, listed at {$150.00}. Someone inquired me about purchasing it, but it turns out they were a scammer. They tricked me, using the Zelle app as the mode of payment into giving them {$150.00} for them to pocket, then deleted their account and our messages. The bank confirmed it was fraud but could not find anyway to help me.
06/15/2022 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • PA
  • 152XX
Web
I made 2 payments for a total of {$3100.00} via Zelle from my XXXX bank account. The payments were made to fraudulent individuals for rent for an Apartment that did not exist. Zelle and our bank XXXX offer no assistance in tracking down the internet scammers. I have also filed fraud reports with my local police department, Zelle, the FTC and the FBI internet crimes.
12/17/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Problem getting your free annual credit report
  • NJ
  • 07110
Web Older American
Twice I have faxed Early Warning both their form and a copy of my drivers license requesting my free report. The process started XX/XX/2020. I have also sent the company two emails via their very confusing electronic portal. Once they said the form was not signed however it was faxed two more times and was signed. After that I have not received a response or reply.
09/23/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • CT
  • 06614
Web
It happened on XXXX/XXXX/2014. Someone gave me 2 {$200.00} checks to cash for him. I did then i realized my account was deactivated so I called my back. I recorded a claim for fraud and called the police. They did a police report and have a warrant or for the guys arrest. I sent it to the fraud department with the warrant and a letter but they declind my request.
06/01/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • OR
  • 97223
Web
My husband sent me money via zelle through his bank XXXX XXXX to my bank XXXX XXXX. It was sent XX/XX/XXXX. It is in limbo. Zelle blames the banks, both banks told me to contact zelle, zelle told me it's on the bank. Meanwhile I am out XXXX dollars and am overdrawn at XXXX XXXX. Where is my money? Who is responsible? Evidently no one. Can anyone find this money?
10/31/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NC
  • 28213
Web
On XX/XX/2020 i sent a person money through my bank account and a zelle payment only to later find out that the person i sent the money to was a scam and the bank would not refund the payment. I have filed a Police Report and still awaiting the next step but the money was never returned from the person or my bank. I sent XXXX from my XXXX XXXX checking account.
06/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10025
Web
I reported an account opened fraudulently to XXXX Bank using my personal information in XXXX of 2019. I completed their fraud packet, returned all the materials, and have been following up with them monthly and they have not corrected the information being reported to XXXX XXXX or XXXX, nor removed the accounts from these reports as they were opened fraudulently
03/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • OR
  • 972XX
Web
I know for fact my XXXX XXXX report is XXXX fine good but this early warning systems is reporting XXXX information that is not even correct to prevent me from establishing checking account at any institution Ive never had bad check history of any time my life but this company has not sent me as requested this consumer report that is personal harming me directly
02/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Problem getting your free annual credit report
  • NC
  • XXXXX
Web
I have attempted to receive my free annual disclosure of my report from Early Warning XXXX XXXX XXXX XXXX XXXX, AZ XXXX by mail and fax on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX to no avail. The company will not even acknowledge that they have received correspondence from me. I am only requesting my file to be emailed or mailed to me. Thank you for your help.
02/20/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • GA
  • 30720
Web
Someone hacked a friend 's XXXX and asked me to send some money, I sent XXXX on XX/XX/2022 As soon as I realized it was a scam, I call my debit card company, they told me to call Zelle because that was the way the money was sent but they said there was nothing they could do, even though I told them the scamers were still in touch eaking for another transaction
09/04/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • AZ
  • 863XX
Web
I was contacted by a friend through XXXX and she asked to borrow money. I asked her a few questions to verify it was her and she answered correctly. I sent XXXX using my XXXX app but through Zelle to someone she needed to pay ( XXXX XXXX ) because apparently her account was frozen and she was dealing with it. Days later I found out her account had been hacked.
06/07/2018 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 75214
Web
No fraud protection via XXXX despite the fact that it's offered through your bank! I used XXXX to purchase concert tickets however I never received the tickets. The amount was {$400.00} and was sent to XXXX ( XXXX XXXX ) via XXXX. I contacted XXXX to cancel the transfer only to find out that it's not possible and they can't do anything to recover my money.
07/19/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MN
  • 554XX
Web
I am trying to sell a couch on XXXX XXXX XXXX and I got scammed. The scammer convinced me that I needed to send {$300.00} to the Zelle agent in order to up my credit limit. I reluctantly did because this was my first time selling something on marketplace and the email looked like it came from a Zelle accredited email. This all happened on XX/XX/XXXX XXXX
04/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MA
  • 020XX
Web Older American, Servicemember
Early warning Systems continues to delay correcting the information that was created as a result of a fraud perpetuated on me, as well as Identity Theft that was from stolen information as a result of malware ... trying to " unlock '' my XXXX XXXX XXXX XXXX account which is being prevented bt Early warning Systems faulty reporting and inordinate delays, etc.
10/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11217
Web Servicemember
My account will be frozen all weekend without my XXXX due to Early warning services LLC I have no idea who this company is or what it is about but for them to not be available on weekends for anyone to rectify whatever the issue is RIDICULOUS. Now I have to sit the whole weekend without access to my account because of whatever is going on with this company!
07/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 21213
Web
I am a victim of identity theft. I have never opened a checking account with XXXX and i have sent in my police report my FTC report to EARLY WARNING SERVICES and all they keep saying is its veried but they will not send me proof. I WOULD LIKE THIS ACCOUNT REMOVED IMMEDIATELY FROM MY ACCOUNT AS I DID NOT OPEN THIS ACCOUNT and this is defamation of character.
01/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Old information reappears or never goes away
  • GA
  • 30062
Web
My name is XXXX XXXX i am taking action because i keep getting refused for bank accounts and other things i have been a victim of identity theft and every time i apply i get denied when in all reality XXXX XXXX XXXX was just dischgarged and i should have nothing in the early warning system they keep telling companys false information and getting me denied
12/09/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • FL
  • 33025
Web
Early warning systems has flagged me which is causing me to not be able to open an account. XXXX XXXX XXXX XXXX is claiming fraud on an account. Being that my phone was stolen unauthorized charges and check deposits were made in which I am not responsible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously disputed this and received no updates
01/07/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • GA
  • 30106
Web
I have requested my consumer file from Early Warning Services on two occasions and have not received it. I provided the request along with a copy of my drivers license and a utility bill. XXXX is reporting inaccurate information from XXXX XXXX which I would like to dispute but need the Consumer file in order to correctly dispute the inaccurate information.
10/18/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 32216
Web
A scammer messaged my sibling saying your social media accounts would be enable if proceeded the following instruction with transferring money through Zelle. Still harassing a XXXX XXXX XXXX child. Now is afraid of getting hacked and with my personal name and number being put out, I am now afraid. I want my refund of {$240.00} back and my life to be safe.
02/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Personal information incorrect
  • IN
  • XXXXX
Web
One address on my XXXX XXXX is correct. The other one is shady. Please correct this problem. The address that is shady is XXXX XXXX XXXX XXXX XXXX IN. XXXX-XXXX This is not mine. Please look into this since my identity was already stolen If you can help with this I would feel like a monkey stuck in a banana factory. Thank you. Regards, XXXX XXXX XXXX
08/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Was not notified of investigation status or results
  • WA
  • 98103
Web Older American
Early Warning https : //www.earlywarning.com/ did not respond to mail-in forms requesting a copy of my personal report after being denied a new XXXX XXXX bank account. I printed the form and sent in a copy of my State ID card. The request was ignored after a month of waiting. It can only be done by printing out the forms they require and mailing them in.
12/09/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30314
Web Servicemember
Early Warning Credit reporting agency has incorrect information and has bad info on my credit report with them.I am not allowed to open any bank account because of this false information on Early Warning report. I have tried to settle this issue with them I have also created an account to report this to early warning but the website to do this is a sham.
08/24/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • TX
  • 75206
Web Servicemember
I have been unable to open a bank account with restrictions or at all. After investigating this claim I have recieved my reports from Early Warning System and XXXX and have discovered several problems. Attached below are the documents outlining each issue that needs to be addressed, investigated and dismissed from my personal banking and credit profile.
10/05/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • IL
  • 61111
Web
My wife XXXX XXXX was scammed through zelle on XX/XX/XXXX my wife got a call that a zelle fraud was on her account. call came from XXXX XXXX XXXX XXXX ( most likley a spoofed number ) our bank XXXX XXXX called and talked to both banks, they are currently doing an investigation into it. But im starting this complaint in case the banks cant do anything.
07/13/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MO
  • 657XX
Web Servicemember
There were multiple XXXX $ transaction using zelle and XXXX XXXX $ transactions that I did not to do I do t know what they are for but it has made me behind on Bill 's and they tell me that it could b another 10 days b4 I can get my funds back and then it's only going to v part of them. I have called talked the the draud department multiple time on this
10/16/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 900XX
Web
I thought I bought concert tickets using Zelle through XXXX XXXX. I sent XXXX dollars via zelle to the seller and was asked to send more money. Therefore, I knew it was a scam. I did not receive the tickets or a refund from the seller. Capital one has opened a case for me but says it is unlikely I will get the money back since I authorized the payment.
03/03/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • 11377
Web
On XX/XX/2023, I sent {$500.00} through Zelle to a person to buy an electronic item but never received the item. I contacted my bank ( XXXX ) on XX/XX/2023 and XX/XX/2023 but they claim that they have no way of returning the money back to me and Zelle is not helping me at all either. XXXX sent me a letter saying they can not help me resolve this issue.
09/27/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NY
  • 105XX
Web
I found an ad on XXXX for an apartment. The security deposit was {$1100.00} and once paid I was supposed to get the keys and that never happened. Additionally, the party said they never received the money which is a lie because both XXXX XXXX and Zelle have the proof. They refused to send my money back, so I had to report it. Obviously, I was scammed.
11/11/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • 112XX
Web
On XX/XX/XXXX Zelle accepted a request of {$120.00} to a XXXX XXXX. Someone who appeared to be a tattoo artist with the company named XXXX or XXXX XXXX. They booked an appointment using XXXX and took the money. The company does not exist but the funds should be able to be traced back to an authorized account who should be held responsible and is not.
04/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 920XX
Web
The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I am not aware of this account in my consumer report. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.
04/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 90038
Web
The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I am not aware of this account in my consumer report. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.
02/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • OH
  • 44691
Web
After not telling me anything as to why XXXXXXXX XXXX closed my account, they have caused it to be nearly impossible for me to open another bank account with any other bank! This happened around XX/XX/2022. Without a bank account, I can't get paid and it's causing me so much stress ; I can't pay my rent because I don't have access to any of my money.
07/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 609XX
Web
I receive my Early Warning Report on and notice there were banks that I don't have on there. These Banks that's on there are hurting me from getting approved for my business account. I already reached out to Early Warning about this multiple times they keep violating my rights under the 15 USC 1681B. I also attach a copy of my identity theft report.
04/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 12601
Web
The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I am not aware of this account in my consumer report. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.
06/03/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • XXXXX
Web Older American
On XX/XX/22, I believed I was sending payment to XXXX XXXXXXXXXXXX XXXX XXXXXXXX. I sent 9 transactions on Zelle, believing that the recipient was XXXX XXXX XXXX XXXXXXXX. The total of those transactions was {$11000.00}. I believe that due to Regulation E, I should not be liable for this transaction and Zelle should reimburse me for the {$11000.00}.
05/22/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 95210
Web
I received a email from zelle and I called the support number which is when I tried to explain that they have the wrong email and I don't have a zelle account which is when I was called a bunch of XXXX and XXXX that it is My account I XXXX XXXX My kids are XXXX so I hung up and made a police report along with the email address which it came from.
09/22/2022 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • FL
  • 34983
Web
I contacted another student about buying football tickets from them. We agreed upon {$20.00} per ticket. When I used zelle to send them the {$40.00} I owed, they told me it was not enough and did not agree to {$20.00} even though I have messages to prove they agreed. Their phone number has been disconnected and they have refused to return my money.
10/13/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • IL
  • 60629
Web
Hi- not sure if you can help or if i even have the right department. yesterday XX/XX/21 i went online and gave a down payment for a puppy which I should have investigated more before sending my payment thru Zelle. i called my bank but because zelle already process the payment now its up to the scammer bank to refund me the money if they even do so.
12/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Public record information inaccurate
  • PA
  • 164XX
Web Servicemember
I used XXXX XXXX for a bit and closed the account 6 months later. On my EarlyWarning it said it was closed for cause. I'm not sure why. I went in the bank and closed the account myself and never owed the bank any money. I'm trying to open a XXXX account so I have easier access to my money in XXXX but I can't open one with this EarlyWarning report.
12/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76227
Web
I have no knowledge of these accounts that are reporting to my consumer report. NAME OF ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/22/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • GA
  • 300XX
Web
I CONTACTEDC EARLY WARNING FOR MY FILE AND THERES XXXXXXXX XXXX ACCOUNTS AS WELL XXXX XXXX XXXXXXXX ACCOUNTS ON MY FILE STATING I OWE THEM OR I MISHANDLE ACCOUNTS. WHICH IS NOT TRUE THE FACT IS THOSE ARE FRADULENT ACCOUNTS THAT DOESN'T HAVE MY SOCAIL AND WRONG ADDRESSES I NEVER LIVED AT NOR HAS THEY BEEN ON MY CFEDIT FILE SO I NEED THIS FIXED ASAP
03/24/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • NY
  • 117XX
Web
I am in help of the Consumer Financial Protection Bureau. I am a victim of Identity theft and a fraudulent checking account was opened in my name. I filed a report with the Federal Trade Commission and have attached with all my other accompanying documents. Its preventing me from moving on with my life because no bank wants to do business with me!
06/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • CA
  • 96001
Web
My wife and I filed a chapter XXXX bankruptcy in 2019 in the XXXX District of California XXXX. Early Warning Services was advised of this filing in writing and still refused to remove this information from our reports. By them doing so, has barred us from opening a checking account causing of to be unable to obtain our money and pay our bills.
06/04/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 71107
Web
This company does not and will never have my consent to have access and store personal and private information that belongs only to myself. This is a direct violation of state and federal privacy laws as well as unconstitutional. I demand all information pertaining to myself be removed or I will pursue legal class action suit against this company.
03/12/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • CA
  • 95820
Web
i was scammed through a person on XXXX by the time i realized it. i tried to contact zelle and but it was on non office hours so i wanted until morning. i contacted XXXX XXXX and they said they werent able to get the funds back because it was through zelle. zelle is letting scammers get a way with it. we should be able to dispute this transaction
08/28/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CO
  • 800XX
Web
Using Zelle through XXXX account, {$300.00} was transferred and goods were not received. Person indicated they would email electronic tickets once I sent screenshot. I sent screenshot and they said wait. The time passed and I never received email or transfer. While the transaction was still pending I tried to stop payment and the bank could not.
03/29/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • FL
  • 34652
Web
Someone hacked my account. I have XXXX XXXX They got into my online banking and sent {$300.00} to a XXXX account. I I filed a complaint with my bank and with zelle. However, I was unsuccessful with getting my money back. My bank told me there is nothing they can do. I feel so helpless knowing someone stole my money and I have yet to get it back.
05/29/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 940XX
Web
Was victim of a scam with a fraudulent account. I payed for the service and never got the answer. Payment made with XXXX/zelle and when called to cancel was not open. Later was told they couldnt cancel cause it was already too late and transaction was complete. Fake account with trusted bank and still not able to get a refund or ask for a claim.
06/01/2022 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • MD
  • 21703
Web
On XX/XX/XXXX, an account on XXXX requested that I send them {$850.00} through Zelle to secure a purchase. Payment was sent XX/XX/XXXX through Zelle, via XXXX. Purchased item was meant to arrive XX/XX/XXXX, which did not occur. Immediately contacted XXXX to cancel the payment, which seemed to have already been processed and received by scammer.
09/16/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 92821
Web
On XX/XX/2020 I purchased 2 puppies for {$1000.00} using Zelle through XXXX XXXX XXXX. I thought it would be okay to submit payment through Zelle because of how they allow transactions with Small Businesses as there website states. I was told by XXXX XXXX XXXX that I may not be able to get my money back because Zelle doesn't offer protection.
09/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • VA
  • 22312
Web
Someone opened up an account using my SSN to get bank accounts over the years and it has affected my banking situation and reporting. The following banks I have never opened an account with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Now XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Now XXXX )
09/15/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem using a debit or ATM card
  • IN
  • 46260
Web
On XX/XX/2022 i made a payment using Zelle payment system. The amount was {$300.00} to XXXX XXXX. The transaction ID is XXXX. XXXX received the funds but did not give me the product. He would not meet me at the desired location of XXXX XXXX XXXX XXXX, XXXX XXXX. Hopefully this transaction can be reversed. Thank you for all the help. XXXX XXXX
08/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • MD
  • 21040
Web Servicemember
On XXXX XXXX I requested information for XXXX XXXX XXXX XXXX XXXX XXXX XXXX from Early Warning Systems via certified mail. There was no response, so on XX/XX/2021, I requested that the account for XXXX be removed from my credit report, which they received on XX/XX/2021. To date I still have not received any information regarding this account.
01/07/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 34293
Web
Someone had me transfer money to their friend 's account to help pay for airline fees. The total was {$210.00} and I sent it to XXXX XXXX e-mail at XXXX on XXXX. But then the person ( XXXX XXXX XXXX ) ( who's e-mail was XXXX ) started demanding money for many other things. Turned out to be fraud. I was wondering if I could get my money back.
11/06/2018 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • MA
  • 023XX
Web
XX/XX/2018 XXXX I used what I thought was a reputable service to transfer payment to a Third Party for goods. Goods were not received. Called XXXX and they wouldnt do anything to cancel the transaction or even prevent the same scam from being perpetrated on others. Given all the big banks behind XXXX I would have expected better controls.
12/15/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • SC
  • XXXXX
Web
I was trying to buy clothes from a seller through XXXX and asked if I had XXXX to contact her on. The cost of my sell would be {$60.00}. She/he said there would be a delivery fee of {$40.00}. I zelled she/he through my banking app through zelle. They havent given my {$100.00} back after I was requesting for it last night and this morning.
03/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90046
Web
XXXX XXXX XXXX closed an account and reported it as Account Abuse. During the time of the suspected account abuse I was hospitalized due to XXXX and provided the XXXX XXXX as well as Police Report. I was told by the banking center that this would not be reported and it was which negatively has impacted my ability to work as an XXXX XXXX.
08/10/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • GA
  • 30106
Web
i have recently applied to open a bank account especially with ( XXXX XXXX ) and XXXX XXXX stated I'm being reported to early warning services & XXXX XXXX. which is inaccurately and honestly hurting me to open a checking account. whatever innsttuitionn is stating I owe any debt has been paid and need to clear my file for EWS & XXXX
07/03/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • RI
  • 02860
Web
Scammer posted a listing on XXXX XXXX about a rental. I contacted this person and he said it was available for showings. He told me I needed to fill out a rental application and it would cost XXXX XXXX per person. Since my boyfriend and I were applying he said it was XXXX XXXX I sent this scammer the money and stopped responding to me.
05/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75134
Web
Hi I didn't apply for XXXX checking account my identity was stolen and this account was removed off my XXXX and XXXX report but it still remains on my early warning report I wish for this account number XXXX XXXX and XXXX to be removed and disputed and find out who did this I didn't apply for a checking and saving account this is fraud
01/27/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92833
Web
I tried to open another online bank account and this bank checked my history with early warning with XXXX XXXX, XXXX XXXX is showing my Account as Overdrawn and pending closed which is not true. I need XXXX XXXX to correct this. I have no idea why XXXX XXXX is showing this when I always had good terms with them, this is disgusting.
05/02/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 94558
Web
Purchase a puppy from an online breeder. Payed with Zelle. Paid {$850.00}. XXXXXXXX XXXX wanted money for a larger crate. {$1600.00} No puppy came and no refund. Then they wanted more money for insurance. I have emails, text messages and pictures I have filed with the local police and tried to get the bank to stop payment or refund
09/05/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • TX
  • XXXXX
Web Older American
XXXX XXXX {$5000.00} was transferred from my sons checking account to my business account. I did not authorize that transaction. XXXX Zelle transactions were taken from the account to take the {$5000.00} out. These transactions were not authorized. The bank denied my fraud claim and Zelle could not be reached to return my money.
07/10/2018 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Company closed your account
  • VA
  • 232XX
Web
I want early warning system to stop reporting inactive stuff on my report and it is so in fair to me the way they reporting my info from XXXX XXXXXXXX XXXX and I want them to remove everything from XXXX XXXX XXXXXXXX I don't owe them any thing and my account is not fraud and they need to take that off my early warning system.Thanks.
03/12/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • MI
  • 48843
Web Servicemember
Early Warning is reporting my open active accounts with XXXX XXXX XXXX. Ifeel it I violation since they report my direct deposit information an d open active saving accounts. They are reporting purged and closed account that can not be verified or proved. They are reporting repeats of my open active account with XXXX XXXX XXXX XXXX.
08/28/2019 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • MI
  • 48346
Web
I purchased tickets through XXXX post to a XXXX user XXXX XXXX email address XXXX. The transaction took place on XX/XX/XXXX at XXXX. I used my XXXX account that was linked to Zelle. I sent {$130.00} for 3 tickets. The seller has since vanished. XXXX XXXX has said they will not offer fraud protection on this bank backed payment app.
10/20/2015 Yes
  • Other financial service
  • Check cashing
  • Customer service/Customer relations
  • NC
  • 27215
Web
I was initially denied the ability to cash a check at XXXX via XXXX. Yet, in a matter of minutes, I was able to cash the same check via XXXX. Then, XXXX sends me a nasty gram stating that the original furnisher of information was Early Warning Systems, LLC. I never authorized Early Warning Systems to have access to my information.
10/22/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 95219
Web
I have found out the hard way that zelle doesn't have payer protection. I met this guy on XXXX and was moved onto XXXX chatting about a product that I wanted to buy off of him. I ended up paying him {$300.00} and havent heard from him since. So I searched up if there was a way to get money back from Zelle and turns out you cant.
03/09/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75082
Web
XXXX is reporting Account abuse on my report with them per XXXX XXXX XXXX XXXX XXXX. I have contacted both the bank and XXXX numerous times. They refuse to remove the information even though I have never had an account with XXXX nor have I ever abused an account. This is causing major issues opening a checking account anywhere.
08/25/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • GA
  • 315XX
Web
Yesterday XX/XX/2022 I was scammed {$350.00}. I was trying to but a ticket for a concert. I texted this person on XXXX because they had some available. They sent me pictures and a video so I paid. I never received the ticket. I asked for a refund but never got a response. Their name is XXXX XXXX. Their XXXX handle is XXXX XXXX
04/20/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 90032
Web
I, XXXX XXXX has never owned an account with XXXX XXXX. The account on my consumer report on EarlyWarningSolutions states I had an account with XXXX, it has my name on it with no personal details correlating with my personal details. I believe this is a computer error or personally not my own account. The account number is XXXX.
03/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 110XX
Web
I am a victim of Identity theft. A fraudulent XXXX XXXX XXXX checking account was opened in my name and is on my EWS report. It is preventing me from moving on with my life because I can no longer establish any relationships with any financial institutitons. I filed an Identity theft Report with the FTC that I've attached here.
02/26/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • NJ
  • 082XX
Web
early warning tried to open account and I'm reported on there printed out form never heard back. called as well. you can not dispute online what a waste of time filling out and the company never responds sent 2 times. this company is a scam they have awful reviews. next step XXXX and attorney general and post on social media.
08/01/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 31210
Web
this issue was dealt with as an identity theft matter and was removed by XXXX this issue came up from early warnings and should not be its been reported to the ftc to the police and to all possible intities its affecting my well being due to not being able to get accounts recieve loans or further business endeavors in many ways
07/04/2019 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • CA
  • 90723
Web
On XX/XX/2019 I send {$200.00} dollars through Zelle to XXXX a Zelle customer unfortunately I was a victim of fraud as I never received the tickets for the event I was promised I called my bank to report the fraud but XXXX XXXX told me there was no Fraud that could be reported due to quick pay with Zelle policy 's devastating
07/12/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • PA
  • 150XX
Web
Despite repeatedly providing my identification, social security number, address and name, the consumer reporting agency refuses to provide me with a copy of the report. I am entitled to the report because I was : ( 1 ) Denied a bank account based on the report ; and ( 2 ) Requested only a single report in a 12 month period.
02/17/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • LA
  • 70737
Web Older American
In XXXX 2022, I became a victim of a scam thru phishing. The scammers gained access to a zelle account that I have used once, several years ago. They removed {$500.00} from my checking account. Neither XXXX nor Zelle would return my funds. I have since deactivated the Zelle account, although its still listed in my account.
11/07/2020 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem making or receiving payments
  • GA
  • 30907
Web
I am woth XXXX XXXX XXXX and I used their money transfer Zelle in the XXXX XXXX XXXX App to send payments for a XXXX i was supposed to receive. I later learned this was a scam and XXXX XXXX XXXX nor Zelle would return my money. {$700.00} was taken. XXXX XXXX XXXX was the site I ordered a puppy from XXXX was scammed by.
01/19/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • NY
  • 10016
Web
I was attempting to by sports tickets from a seller via XXXX on Sunday, XX/XX/XXXX. He was to send me the tickets on XXXX and I paid him on XXXX XXXX via XXXX. I sent him the {$100.00} and no tickets were transferred. I could no longer get in contact with him. I tried to discuss with my bank, XXXX, but they would not help.
04/18/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • IA
  • 515XX
Web
i was hire for a job, that turned out to be a scam. I was sent a check to deposit in my account. I was then told to send {$500.00} by my on Zelle to purchase equipment for this " job ''. I later that day ( XXXX ) found out the check was a fraudulent check and everything was scam. I reported the fraud to Zelle ( XX/XX/ ).
11/22/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • TX
  • 78745
Web
XXXX unauthorized Zelle transactions of value {$100.00} & {$200.00} happened on XXXX XX/XX/2022 early morning. I don't recognize this transaction, neither do I know the recepeint on the recieving account nor have I initiated this transaction. I was sleeping when this transaction occurred with the phone in my possession.
05/27/2020 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • CA
  • 91737
Web
on XX/XX/2020, I was aware of the fraud I was involved in by sending money through my XXXX XXXX account ( Zelle ) to another Zelle account. The payment made was for a lease on a house. The total amount was XXXX. The house was a fraud and the people never gave me my money back. I have their account number and that is all.
06/20/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • WA
  • 98607
Web
I sent over {$18000.00} to a scammer with Zelle since they had my personal information and threatens to report me to the police for missing taxes ( I just started working so I dont know much about it ). After realizing I got scammed I asked Zelle for reimbursement from the accounts I sent to, and they refused to do so.
03/26/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • FL
  • 33411
Web
On XX/XX/XXXX I made a transfer to a family member in the amount of {$200.00} using zelle linked to my XXXX and this money was never received by other parties. I didn't know that the word XXXX was not supposed to be used in the memo section. Now Zelle has my money frozen. Please, I need a resolution with this problem.
12/08/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29488
Web Servicemember
Please see attachment/police report because the banks in the police report are the banks were the criminal open up multiple bank accounts in my name without my consent. I do have a consumer lawyer and we called these banks and was given information that don't belong to me such as address, phone numbers, and addresses.
04/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Personal information incorrect
  • CA
  • 90032
Web
The majority of personal information on my report from earlywarning solutions is incorrect. The following email XXXX ' ( XX/XX/XXXX ) is not mine. My birthdate is not XXXX XXXX XXXX ( XX/XX/XXXX ) '. My birthdate is not XXXX XXXX, XXXX ( XX/XX/XXXX ) '. My previous address was not XXXX XXXX XXXX XXXX XXXX XXXX XXXX '.
07/31/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WI
  • 53711
Web
Please see attached- Dear CFPB. I am a victim of identity theft. Early Warning Services has been reporting multiple fraudulent accounts to my consumer file that were not opened by me. This has been preventing me from opening bank accounts across various banks. I want these accounts removed from that file immediately.
02/10/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • NJ
  • 07712
Web
I have been denied the opportunity to open a checking account by numerous financial institutions due to information provided to those institutions by Early Warning Services. Specifically, Early Warning Services is reporting fraudulent activity on previous accounts, despite no such fraudulent activity having occurred.
12/07/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 33331
Web
I was buying something from this guy online for exactly XXXX XXXX we went through paypal. Didnt work, then cashapp, didnt work. Then XXXX, Didnt work. And then we finally landed on zelle. After he sent the money he shipped the item ( he didnt ) and just ate my money I need help ASAP. The bank denied me my money back
01/05/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • FL
  • 331XX
Web
A XXXX XXXX XXXX account was opened in my name on XX/XX/2016 account number XXXX routing number XXXX. I didn't approve or authorize the opening of this account and it was left with no negative balance. This account is also reporting with a phone number XXXX that does not belong to me and an address that is not mine.
05/06/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 94506
Web Servicemember
I got scammed using zelle by a seller. I submitted a complaint to my banking institution : XXXX. I also submitted a complaint to Zelle. They both said they could not do anything about getting the money back. I refuse to believe that because Im sure they can view their records and see where the money gets wired into.
07/27/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 92376
Web
I was scammed for {$350.00} by a girl named XXXX XXXX and by her partner named XXXX XXXX. I was scammed for 2 concert tickets for me and my cousin and she did send me the email of the ticket transfer to my email but instead at the end she made it more complicated to receive the tickets so at the end I got scammed.
04/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30349
Web
Early Warning Services is reporting that I committed checking account fraud. I have never committed fraud against any Financial Institution. Also, this company has a address listed on my consumer report that i have never been associated with. I have filed a police report and also I am a victim of identity theft.
04/18/2017 Yes
  • Credit reporting
  • Credit reporting company's investigation
  • Problem with statement of dispute
  • NY
  • 11221
Web
Early Warning Services came back and stated that the records were verified by the financial institution even though they listed a social security number that was different than mine. They refuse to remove or suppress this information and as such I am being adversely impacted and can not open a checking account.
04/27/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • MD
  • 206XX
Web
I got scammed into transferring money to a scammer. My bank ( XXXX XXXX said they can't offer fraud protection because the transfer was made through zelle service. When I called Zelle, they said that because the transaction was made on the bank app, they can not help me even though it was serviced through Zelle
03/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10457
Web
EARLY WARNING SERVICES HAS INCORRECT INFORMATION ON MY CONSUMER REPORT. IT NEEDS TO BE REMOVED. THERE ARE SEVERAL ACCOUNTS I NEVER OPENED. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OPENED ON XX/XX/XXXX XXXX XXXX XXXX OPENED ON XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX
09/04/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • MD
  • 21225
Web
I tried buying a designer bag on XXXX and teh buyer promised me that will send the bag as soon as I sent the payment. After I sent the fee of {$350.00} the seller blocked me and dissapear. Since then I havent heard from them. I filed a claim from XXXX XXXX XXXX and they told me that they can retrieve the funds.
06/01/2023 Yes
  • Money transfer, virtual currency, or money service
  • Check cashing service
  • Problem with customer service
  • CA
  • 90262
Web
i think its XXXX that you and your agencies are blocking my ability to make a living.. just because i overdrafted a few bank account by not a few XXXX your not allowing me to have any finacial tranactions im having problems cashing a money order.. most of the negative XXXX on my file is due to idenity theft..
03/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10457
Web
EARLY WARNING SERVICES HAS INCORRECT INFORMATION ON MY CONSUMER REPORT. IT NEEDS TO BE REMOVED. THERE ARE SEVERAL ACCOUNTS I NEVER OPENED. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OPENED ON XX/XX/XXXX XXXX XXXX XXXX OPENED ON XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX
04/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33168
Web
Agencies do not always update information on credit reports in a timely manner, which can lead to inaccuracies and inconsistencies on my report. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.
11/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30314
Web
I recently disputed this fraudulent account with this company and they failed to provide the accuracy and completeness of the investigation by validating the 100 % correctness of the account. They stated it was verified with no facts or a method of verification behind it. All is being investigated by the ftc.
11/07/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • 11801
Web
A scam was made with a fake zelle account / fake zelle emails. Other factor made me believe that a refund was needed to be sent in order for me to receive a full payment. This turned out to be a scam. I was deceived into sending money thinking it needed to be done in order to receive money being sent to me.
09/23/2022 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • MI
  • 493XX
Web
I was scammed XX/XX/XXXX for two transactions off {$200.00} from a zelle scam. I was selling an item on XXXX XXXX XXXX and the buy had a fake zelle account making me send extra money for a business account. Ive contacted my bank before and they said there is nothing they can do about it and its up to zelle.
10/14/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NE
  • 68123
Web
Date : XXXX Zelle scam sent {$390.00} to a XXXX XXXX XXXX : XXXX XXXX XXXX XXXX said it was authorized ( unfortunately it was not yet the transaction still happened. My phone was hacked and the transaction went through. ) the bank refuses to fix the problem because they see it as an authorized transaction.
06/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • PA
  • 183XX
Web
Closed accounts with XXXX XXXX XXXX on XX/XX/2013. The accounts are more than 7 years old. XXXX is reporting incorrect closing date, phone number and address to Early Warning Services. I've called XXXX customer service on several occasions in attempt to correct the information but it has yet to be resolved
04/05/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • MA
  • 022XX
Web
I have been denied accounts from every banking system in the country. I owe no money to any bank and did nothing wrong as far as banking as concerned. EAS has a lengthy and inefficient system of helping consumers clarify their reports. I can't do basic banking This is excessive and has gotten to be extreme.
01/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem with product or service terms changing
  • IN
  • 46235
Web
- XX/XX/2018 Tried to place a security freeze with - XX/XX/2018 Received response from Early Warning stating that since they are a specialty agency that they don't have to place freeze - Sent a dispute for various accounts dated XX/XX/2018 have yet to receive a notice or results or an updated copy of report
09/18/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • PA
  • 15001
Web
XX/XX/2022 : I sent money via zelle to a scammer that claimed they were buying a couch I was selling. They said they deposited {$650.00} in my account, but it was over the limit. They said they had to send {$350.00} and I had to send {$350.00} back to get my funds. The email is XXXX that the scammer used.
10/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MN
  • 55343
Web
I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. All of the information listed on my Early Warning Services Consumer Report is inaccurate, and the information isnt mine because I was incarcerated. I am a victim of identity theft.There shouldnt be any information listed on my Early Warning Consumer Report.
01/24/2020 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • TX
  • 77449
Web
I never authorized anyone to transfer funds from my account using Zelle. On XX/XX/2020 two transactions were made. Two different people. One in the amount of XXXX and the other in {$1200.00} I am being scammed, never authorized the funds to be sent. And both my bank and zelle refuse to take on liability.
01/31/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • IL
  • 60409
Web Servicemember
I currently filed a bankruptcy with the federal government. The bankruptcy was filed in the state of ILLINOIS. Case # XXXX to XXXX XXXX XXXX XXXX XXXX There are false and negative information being reported. XXXX asking for this negative information and debts be removed from my consumer report. Thank you.
01/02/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OR
  • 97030
Web
On or about XXXX/XXXX/2016 XXXX XXXX XXXX incorrectly reported me to Early Warning Systems that XXXX closed my checking account for cause. This is wrong. I closed the account due to lost checks. XXXX did not suffer any monetary losses. I demand that this be removed from my Early Warning report. Thank you.
08/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Problem getting your free annual credit report
  • TX
  • 77042
Web
" Per 15 USC 1681g this letter is my request for a copy of the complete contents of the file you maintain on me as of the date of this request. Enclosed please find a copy of my id... '' I have requested a complete copy of my credit profile and report from EWS yet now action or document has been recieved
08/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Problem getting your free annual credit report
  • TX
  • 77042
Web
" Per 15 USC 1681g this letter is my request for a copy of the complete contents of the file you maintain on me as of the date of this request. Enclosed please find a copy of my id... '' I have requested a complete copy of my credit profile and report from EWS yet now action or document has been recieved
07/20/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 91765
Web
Purchase a used XXXX from XXXX XXXX app, the seller called himself XXXX, he ask me 20 bucks for deposit and keep the item as sold status. So I sent he money and drive to the address. He ask me to pay for rest of the balance, so I know it is fraud. And then he disappear and no show on the meeting address.
09/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • GA
  • 30132
Web
XXXX continues to report inaccurate information on my consumer report. This inaccurate reporting is causing me to do business in food faith. My name is XXXX XXXX. Remove any other spelling of my name it is not mine. My address is XXXX XXXX XXXX XXXX, GA XXXX. Remove any other address it is not mine.
03/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10457
Web
EARLY WARNING SERVICES HAS INCORRECT INFORMATION ON MY CONSUMER REPORT. IT NEEDS TO BE REMOVED. THERE ARE SEVERAL ACCOUNTS I NEVER OPENED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED ON XX/XX/XXXX XXXX XXXX XXXX OPENED ON XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX
05/10/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 92604
Web Servicemember
Today, XX/XX/2019, I was scammed of {$150.00} through XXXX. I tried to buy concert tickets and the person wanted payment through XXXX. I did not think anything bad of it, especially because I have sold tickets the same way. Her name is XXXX XXXX. Phone number XXXX ( XXXX ) XXXX-XXXX and email XXXX XXXX
12/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Was not notified of investigation status or results
  • CA
  • XXXXX
Web
I disputed a XXXX BANK REPORT with EARLY WARNING SERVICES , LLC. XXXX XXXX BANK , XXXX XXXX REMOVED THE REPORT ON XXXX. Early Warning " SAYS '' that they sent me A NOTICE OF REMOVAL LETTER on XXXX, however, up today XXXX, I HAVE NOT RECEIVED ANY NOTICE OF REMOVAL LETTER FROM XXXX XXXX BANK , XXXX XXXX.
06/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 946XX
Web
Early warning continues to keep fraudulent information on my consumer reports. I am a victim of identity thieves. They have open several accounts in my name. I have tried to dispute this information but I am told they cant dispute it. According to the FCRA they are required by law to verify every debt
11/13/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33181
Web
Im a victim of identity theft and fraudulent accounts have been opened in my name .Early Warnings is still reporting information about me that is false from checking accounts that were open fraudulently. A XXXX Checking account was opened in the year of 2014. A XXXX XXXX XXXX checking account as well.
06/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • SC
  • 29488
Web Servicemember
I have disputed these bank accounts that were open up Fraudently the bank accounts are XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX i have sent in numerous documentation with early warning services this company get paid off people debt even if is not yours the are in violation of the fair reporting act
10/12/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 90019
Web
On XX/XX/2019 I transferred {$160.00} to XXXX XXXX. It was a sneaker company that scammed me. His email is XXXX. I was trying to contact him for months requesting my money. But he ghosted me. Then he blocked me on everything. My bank still hasnt responded to this incident so now I am turning to you.
08/16/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NC
  • 28304
Web
On XX/XX/2022 I got scammed from someone claiming to be an XXXX employee. I needed help getting a refund and he said he can send it through Zelle. He ended up saying to send him {$350.00} and he will pay everything back. Soon after I paid him he said he will call right back and ended up blocking me
09/22/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NC
  • 283XX
Web
Was scammed for {$420.00} today for concert tickets Money sent thru Zelle Zelle refusing to refund any money. Was not aware of policy. Due to send money in a rush. This is the first time Ive ever done something like this and its so much money I just really need some help with getting my money back
06/21/2019 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • PA
  • 15301
Web
went thru Zelle and paid someone who had tickets for sale ... ..never received them and my debit card got charged {$500.00} they posted info on XXXX who i contacted and wanted paid thru zelle and never heard back and I am bout {$500.00} the person is named XXXX XXXX and the number he used was XXXX
10/01/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • CO
  • 80012
Web
A company called early warning system has a number of erroneous accounts that were opened due to a data breach on my credit report all of which I have contested with them personally XXXX of them they removed and there are still a few remaining but they are dragging their feet and correcting them
12/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91780
Web
i do not have a XXXX checking account, someone opened a checking account in my name XX/XX/XXXX which was later closed XX/XX/XXXX. The phone number XXXX does not belong to me, the address the account is registered to i do not and have not lived at this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
06/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 22304
Web
Someone used my identity to open up the following accounts, and I never had these accounts. Because of this, my Early Warning Services and XXXX XXXX has a bad score for me. I never had : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/22/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 91423
Web
Hi. I used XXXX through my XXXX XXXX app to make a transaction with a seller for a product. The seller scammed me on the product and now I am out of money. I want XXXX to pull the funds from his account and reimburse me my money. He sold an XXXX that was filled with cockroaches and unworkable.
09/02/2020 Yes
  • Checking or savings account
  • Other banking product or service
  • Opening an account
  • Unable to open an account
  • GA
  • 30080
Web
I requested my early warning report and I realize some fraudulent accounts opened in my name. here are the list of fraudulent accounts opened in my name : Bank Name : XXXX XXXX XXXX Account number : XXXX routing number : XXXX Bank Name : XXXX XXXX Account number : XXXX routing number : XXXX
01/07/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • NJ
  • 088XX
Web
I have made a Zelle transfer from my personal checking to a buisnsss checking account on XX/XX/2019 for XXXX. This money is still not in the receiving account or been refunded to the delivering account. I have contacted both banks and Zelle and we have had no luck at receiving back our funds.
12/17/2019 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • MO
  • 63385
Web
Tried purchasing tickets in XXXX. I transferred money to two different people ($XXXX to one, $XXXX to another) using XXXX. Once money was sent, they never transferred tickets over via XXXX. I used XXXX due to them partnering directly with my bank and being recommended on my mobile bank app.
07/10/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 070XX
Web
Early warning is reporting information thats not mines. I ordered my report and I called they said nothing on my report. But when I went to XXXX XXXX it comes up that early warnings has me in there system. I want them to stop reporting any information in regards to me. This is ruining my life
03/13/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • ND
  • 58201
Web Servicemember
Early Warning has adverse information from XXXX in regards to a fraudulent and unauthorized checking account. I have never opened a checking account with XXXX. Someone stole and used my personal information to impersonate me and open up a fraudulent and unauthorized checking account with XXXX
12/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 70118
Web
Per The FCRA as a Federally Protected Consumer, I am Opting Out of any and all Authorizations that I The Consumer may have given you written, unwritten, or verbal, and non-verbal. The law says it is Illegal to report XXXX history. Per 15 USC 6801-6805, PER 16CFR313, Per the Privacy Act 1974
03/15/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • GA
  • 30328
Web
On XX/XX/2022 someone logged into my Zelle account and sent {$1000.00} to this XXXX XXXX, Ive contacted my bank since then and made complaints and reports about this problem. I was told by an individual that had a similar situation that I should reach out to your company to get further help.
07/05/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • AZ
  • 85019
Web
I got scammed on XXXX by someone who has tickets but wasnt intending to sell them to me. They got about {$390.00} dollars off of me before they decided they were going to keep my money and the tickets before blocking me on XXXX and leaving me without my money and without the promised tickets
03/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 223XX
Web
I tried to open a bank account, and have been getting push back because I am being told EWS has a low score for me. I am a victim of identity theft and have only had one bank account ever and that is with XXXX XXXX XXXX XXXX. I have about 12 accounts listed and that isn't me or none of mine.
09/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91792
Web
There are many accounts with my name on them but with incorrect information such as addresses and phone numbers. The addresses and phone numbers following do not belong to me and never did belong to me ; XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ca XXXX XXXX XXXX
03/08/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • IL
  • 60659
Web
Unfortunately I lost my phone for like maybe 2 hours until I was able to track it down with find my friends and I noticed there was money sent to someone who I didnt authorize this payment to and I tried requesting it back plenty of times but never got an response back! I need help please
01/05/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Confusing or missing disclosures
  • FL
  • 32832
Web
transferred money from XXXX XXXX XXXX account to XXXX XXXX XXXX account I got an email saying someone sent you money, but for some reason it is now going to take 1-3 business days despite in the past it was done same day. I have transferred money between these two accounts in the past.
03/01/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 90746
Web
Early warning has me listed and for unknown reason I've been held back from banking and finance I'm at a hardship point for no reason at all. XXXX XXXX XXXX has blocked me from everything and amount as of my knowledge XXXX dollars and that was the first transaction.that I found out about.
11/29/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • NY
  • 11413
Web
My ex girl friend used XXXX to send money to my XXXX account and than to her XXXX XXXX account - its a clear money trail but XXXX refuses to assist properly and told me to contact Zelle - I contact Zelle and they tell me to contact my bank. And now shes using my account to pay her rent
11/17/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 750XX
Web
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against Early Warning Services, detailing the violation of my consumer rights. I have attached relevant documentation, including correspondence with Early Warning Services, to support my complaint.
12/11/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • FL
  • 33436
Web
I recently submitted a dispute request but it was believed that not enough information was provided in order to proceed with the dispute. I am resubmitting again with a few documents attached hoping the accounts on my consumer report can be deleted as of result of a proper investigation.
06/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 90032
Web
My old credit card account with XXXX XXXX was paid in full and closed by me. However on my credit report it still displays a current balance and is reporting as a charge off, my account was never charged off and any fees or payments on the account was paid in full at the time of closure.
08/22/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27360
Web
Contacted XXXX XXXX XXXX after being told I could never open an account. I was robbed have proof that supports my claim. I have gotten nowhere. My next step will be to have my lawyer file intent to sue letters, in which I will seek to have this resolved if not done so in a timely manner.
09/18/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 078XX
Web
Early Warning Services , LLC is showing 3 fraudulent XXXX accounts that are not mine. I have already gone to each of the banks and made seperate complaints to have these accounts zero out, and removed. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/04/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 94025
Web
I was scammed attempting to buy tickets to a concert on XXXX. I was told to transfer the money through Zelle XXXX XXXX $ XXXX and then the seller completely disappeared after I transferred the money. XXXX XXXX and Zelle deny being able to cancel the payment and wont investigate the scam
03/04/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 90804
Web
XXXX Zelle Money Transfer XX/XX/XXXX, {$750.00} Security Deposit, took the money and started asking for more and then became quiet when I said no. Receivers Name : XXXX XXXX Name : XXXX XXXX City : XXXX State : Georgia Zip code : XXXX Have an email thread. Looking to get money back.
02/17/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • MA
  • 01906
Web
I was going to buy an Outlander through XXXX to a person under the name of XXXX XXXX, she asked me to give her {$100.00} dlls in advance, and the rest when we meet, so I sent the money trough Zelle, with this mail XXXX under the name of XXXX XXXX, and I never heard back from her again
08/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 15212
Web
A notice has been sent to the company addressing the CEO. this notice was sent priority express mail and delivered on XX/XX/2023 at XXXX. I have not gotten any correspondence with any confirmation as to complying with demands to remove false information violating my consumer rights.
09/23/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • CT
  • 06604
Web
I have made several claims between XXXX and Zelle. XXXX continues to tell me to go outside of them BUT they are my bank. Zelle has not yet reached back out to me. This is in the amount of {$730.00}. I have not had a resolution since XXXX XX/XX/25. Please assist in anyway possible.
06/21/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • CA
  • 949XX
Web Servicemember
Scammed by fraudulent XXXX rep in XX/XX/2021 who used Zelle to transfer funds from my XXXX checking account in amount of {$990.00}. I sued Zelle in small claims court and won the judgement. Subsequently Zelle appealed and the judges verdict is pending. XXXX assumed no culpability.
08/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • ID
  • 838XX
Web
XXXX XXXX is reporting my account closed due to fraud but it was assured to me by the bank XXXX that this was not the case and it was closed without cause. This is reporting incorrectly with XXXX and XXXX XXXX. I would like this taken off of all reports and deleted immediately.
12/22/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NY
  • 10701
Web
My XXXX XXXX has been closed and reported to check system because of a fraudulent check that was deposited that was not made by me and now I cant open any more checking accounts any balance I owe XXXX XXXX XXXX I should not be held responsible for I have not deposited that check
07/16/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • GA
  • 30084
Web
On XXXX XXXX , 2017, I called Consumer Services Early Warning Services about receiving my report and placing a security freeze on my report. They told me they do n't do security freeze even though they are a reporting service. This is a violation of my rights under the FCRA.
12/09/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • AL
  • 35401
Web
I requested that an investigation be launched into my consumer report because there are several accounts there that were not created by me and these accounts have impacted my ability to acquire a bank account. I will attach the letter I sent to the early warning services office.
12/05/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 35603
Web Servicemember
Been denied bank account they use early warning as a banking validation service I never heard off call early warning. I sent in a letter requesting a consumer report a few months back and I never received it. I just want to know what if is on my report to dispute the information
09/20/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 90221
Web
on XX/XX/2022 someone received my person information intended for someone else and opened a Zelle account took XXXX form my account. My bank will not refund because I provide the information. It went into an account I want that person investigated. they set up the account not me
08/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33309
Web
EWS clearly states in their attached correspondence with me, that they received my dispute letter in regards to my entire account on XX/XX/2021. It is now XX/XX/2021 and I have not received a report in regards to any investigation. XXXX XXXX XXXX xxx xx XXXX Consumer ID : XXXX
06/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19121
Web
To whom it may concern. I was reviewing my consumer report and I notice these accounts negative account being reported without my permission. I would like for you to furnish me my contract I have with each of these banks, with my signature. i need info that was provided removed
06/12/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Problem adding money
  • GA
  • 30106
Web
I have money on hold through zelle and on " XXXX '' ( XXXX card reader ). these companies keep telling me its my bank holding my money. I've called numerous times and have trouble shot the problem with representatives with XXXX as well as the other two parties with no results.
08/24/2017 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • GA
  • 30349
Web
On XX/XX/2015 XXXX XXXX XXXX force closed my checking and reported to EWS that they closed my account for transacting in an improper manner which is untrue. My EWS report has a XXXX balance but it 's stopping me from opening an account being that I ca n't get it removed by EWS.
10/16/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 78155
Web
Zelle fraud. Company said I shouldn't have approved transfer. Thought I was talking to XXXX fraud people. Even in bank an they talked to them. Said I shouldn't have have approved them. This is still going on an bank is an government is letting it continue and has been for yrs.
05/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30067
Web Servicemember
I have an XXXXXXXX XXXX debit card and it was place on hold because XXXX XXXX XXXX repot me too early warning when XXXX XXXX XXXX agreed too removing the file XXXX from XXXX XXXX XXXX said theyll remove it and its still on there so please remove this file from early warning
10/30/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • 11355
Web
Someone use my bank account and sent out {$5000.00} by zelle XXXX through about XXXX transactions. But i was in sleep at that time. XXXX declined my claim and they said it was approved by face ID. So i guess it might be someone hacked my phone or pc If What XXXX said is true.
07/27/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 95661
Web
I tried purchasing XXXX XXXX XXXX concerts on XX/XX/2023 and the mode of payment was Zelle. I paid through my local credit union who offers Zelle & once I realized I got scammed, my credit union and Zelle did not want to refund my money. I lost {$690.00} of hard earned money.
02/25/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • 10954
Web
On XX/XX/2023 I Zelle payment a tattoo artist {$300.00} to do a job. I was supposed to meet him at the shop on XXXX XXXX. When I contacted the shop to verify my appointment I found out he no longer work for the company, he is not returning my calls or refund me my money to me
01/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92833
Web
XXXX XXXX XXXX XXXX Account ending in XXXX is showing my Account as Overdrawn when it was not and damaging my credit report. I was always current with my Account and my Account was never overdrawn. Bank should correct this mistake right away as mentioned in the file attached.
08/21/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • MA
  • 02136
Web
I sent XXXX $ via zelle to an email titled " XXXX '' to a man titled XXXX on XX/XX/XXXX for an additional piece to add to my camera. Not only did the product not come in the mail resulting in a scam but my bank told me there is nothing they can do to refund my money for it.
08/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30324
Web
I want to Dispute with early warning services with information that was retained with out my knowledge that is incorrect. I Show three bank accounts that were not opened up by me. My Identity has been stolen. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
02/12/2020 Yes
  • Checking or savings account
  • Other banking product or service
  • Opening an account
  • Unable to open an account
  • MI
  • 48174
Web
I was told in XX/XX/2019 that I was listed in a company called Early Warning Services when I went to open a bank account. I have never done anything wrong with any bank whatsoever and Ive tried several times to contact this company with no reply. This is unfair and unjust!
10/08/2018 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • AZ
  • 85043
Web
XX/XX/2018 i sent {$240.00} to a person using XXXX. They never sent me the tickets. I called my bank and they said they couldnt do anything about it. XXXX has to be held to higher standards if they are going to be involved in people 's money. Her email address is XXXX XXXX
12/08/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NV
  • 89084
Web
1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX I'm a victim of ID Theft and I have sent XXXX a copy of my ID Theft police report. These two accounts are listed on my XXXX report do to ID Theft. The last Four digits associated with these 2 accounts does not match my Social.
11/01/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • CT
  • 06320
Web
A review was sent to zelle from my bank, XXXX XXXX, in XXXX, the reply came back saying my phone number, XXXX XXXX XXXX, van not be used. Previously, it was used with XXXX, the service was canceled, no issue with Zelle. I request my number reinstated for use with Zelle.
10/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • TX
  • 77067
Web
Sent in Dispute letter to Early Warning Service to dispute XXXX XXXX XXXX information. I was living in the state of XXXX at the time. Im also afraid because they sent me information for someone else when I received my consumer report and it was supposed to be just mine.
06/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77450
Web
XXXX XXXX XXXX Account # XXXX this account is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed
12/09/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • NY
  • 119XX
Web
Zelle {$70.00} to wrong person who now will not refund my money I contacted chase and they said it will need to be investigated before I can get a refund if any at all. The email address was off by two letters and the person who received the money will not give it back.
12/01/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • NY
  • 10701
Web
XXXX XXXX and early warning have stated that a fraudulent check was deposited into my XXXX XXXX XXXX account but that was not authorized by me and i wasn't aware of it they have close my XXXX XXXX XXXX account blocked me from opening any new accounts at any other bank
05/05/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • GA
  • 30215
Web Servicemember
My checking account was robbed of almost {$500.00} thru a money transfer app called Zelle. Someone accessed Zelle through my bank account and created numerous false contacts in several different names and transfered money out in small amounts to a large group of people.
04/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • VA
  • 22204
Web
Requested on XX/XX/21, a copy of my early warning systems report, which is said to be sent within 15 days. Called on XX/XX/21, since had not received. Rep informed letter sent requesting additional info. To date, have not received either report or allegedly sent letter.
08/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 183XX
Web
My Early Warning reports shows that there is a balance on a closed XXXX account of {$1500.00}. The account was opened on XX/XX/XXXX and closed on XX/XX/XXXX The balance is {$1500.00} as of XX/XX/XXXX It was opened with a XXXX Driver 's license. I have a XXXX license
06/30/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CA
  • 92117
Web
on XX/XX/2023, Person " XXXX XXXX '' on XXXX claimed to sell concert tickets through XXXX XXXX. Asked me to zelle XXXX $ to XXXX enrolled as XXXX " their boyfriend ''. Claimed that they never received the payment but my bank chase confirmed that they got the payment.
04/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem canceling credit monitoring or identify theft protection service
  • TX
  • 78041
Web
On or about XX/XX/2023, I received a declination letter from XXXX XXXX XXXX ( Early Warning Services , LLC ) from another state ( Arizona ) declining the opening of an account. I don't live in Arizona and have never applied for any type of account with XXXX XXXX XXXX
06/25/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • VA
  • 24073
Web Older American
My checking account was charged an unauthorized charge from Zelle. My bank name is XXXX XXXX Bank. Zelle charged my checking account without any authorization. I have never had any dealings with Zelle and don't know who they are or what they do. I want my money back.
12/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • CA
  • 91780
Web
I received a report from EarlyWaringServices stating two accounts from XXXX XXXX XXXX were opened and closed shortly after without my authorized written consent. Account numbers XXXX and XXXX. These accounts were open in 2016 and closed less than a month after open.
06/21/2020 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Other transaction problem
  • CA
  • 95838
Web
I used my zelle account through my XXXX XXXX XXXX XXXX app to send my wife {$180.00}. Right as it was approved my account was locked. The money was sent because my wife got a notification telling her I sent her {$180.00}. But when she went to get it there's no money.
04/01/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • FL
  • 32539
Web
Paid a deposit fee of {$50.00} using zelle ... to a XXXX XXXX, email address : XXXX For a XXXX puppy he promised me. The agreement was {$50.00} deposit and I was to pay the additional {$250.00} when we meet for the exchange. He quit responding after the 50 was sent
08/02/2015 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • PR
  • 00921
Web
I tried to open an account with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX both were declined due to a debt with another bank. Early Warning Service LLC is positing incorrect information in a consumer reporting agency. Avoiding me to open an account and job opportunities.
04/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • RI
  • 02914
Web
Person use my social security for opened bank account under my name result fraud identity I need fixed problems List bank account opened XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/01/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NY
  • 11230
Web
XX/XX/2022 XXXXXXXX XXXX fraudalent transfer via zelle payment on XXXX XXXX to XXXX XXXX. initialIy the payment was placed on hold for security reasons but was nevertheless confirmed.called XXXX XXXX to dispute as well as zelle but they did not agree to refund.
06/14/2016 Yes
  • Credit reporting
  • Unable to get credit report/credit score
  • Problem getting report or credit score
  • WA
  • 98226
Web
This is my second complaint against EWS. They continue to fail to provide me a copy of the negative information they are spreading about me. I filled out forms, requested my consumer file on multiple occasions. They refuse to respond. I demand a copy of my file.
02/11/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • TX
  • 78613
Web
Had two transfers which were suppose to be transferred to my XXXX XXXX account from the company called Quickpay Zelle. I have called chase more than 5 times and they promised me to money would be in my account. Expecting to transactions {$10.00} & {$50.00}
01/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 331XX
Web
On XX/XX/2016 aXX/XX/XXXXXXXX XXXX account was opened without my consent. This account is currently reporting on a consumer report with no outstanding balance. This account also has a phone number and address I am not associated to. The account number is XXXX.
08/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Was not notified of investigation status or results
  • GA
  • 30096
Web Servicemember
On XX/XX/2019, I submitted a fax to request my Early Warning systems consumer report to be delivered electronically. As of today, I have not received my report. FCRA laws outline my authority to request these consumer reports so I may review them for accuracy.
08/14/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Opening an account
  • Unable to open an account
  • PA
  • 19135
Web
I have tried opening a bank account and Ive got denied due to early warning systems so I contacted them to dispute the inaccurate information off my file and they have yet to start an investigation to get proof of the negative accounts that they are reporting
03/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AL
  • 366XX
Web
I have disputed and provided police reports reporting of unauthorized inquiries my data was breached in XXXX and XXXX and XXXX reporting innacurate accounts and unauthorized inquiries accounts opened not under my name also unknown refuses to apply federal law
11/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • CA
  • 920XX
Web
I got off the phone with both XXXX and Early Warning. They have stated that they have verified this account as accurate. However, they clearly have not conducted their own independent investigation because of a blantant errors on my reports with each of them.
06/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30084
Web
I have received a copy of credit report and noticed several accounts and inquires that were reported without my knowledge, Fraudulent applications have been submitted in my name and my identity has been used without my consent to obtain goods and services.
08/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Money was taken from your account on the wrong day or for the wrong amount
  • CA
  • 91311
Web
I sent via Zelle {$750.00} to fraud cat breeder website. This is their website https : XXXX They charged me and promise they will send me the cat I paid for. I lost communication with them. I asked for my full refund and never heard back from this person
12/21/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • OH
  • 441XX
Web
I was not allowed to open a bank account at XXXX because of Early Warning Services. ( EWS ). I requested EWS to send me my report with them at the beginning of the year ( XXXX ) but they did not do this. I called them again today and they refused again.
12/01/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • NY
  • 11355
Web
I have used zelle to send my rent for the studio i rent. And come to find out after i have sent the money. The lady says her zelle email changed. But my payment went through. I cant cancel the payment of {$650.00}. Zelle wont let me cancel this transfer.
02/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 070XX
Web
I just recently tried to open a bank account and was declined because I owe money to XXXX XXXX The problem is that I NEVER had a XXXX XXXX account before. Please delete this account from EWS XXXX XXXX. This is Not even my name and this is clear Fraud.
06/07/2021 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • NJ
  • 07407
Web
I was scammed by someone for a house rental. Payment was made through my XXXX XXXX account through Zelle. These people must be stopped. I have all the information needed to stop them and get back my mom money. Its a lot to type. Im best reached at XXXX.
05/13/2018 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 78759
Web
On XX/XX/2018 I sent XXXX XXXX or XXXX {$650.00} on XXXX in exchange for a purse in which she has not replied therefore I was scammed. I called my bank XXXX in hopes of it being resolved however they are unable to help seeing as though it was authorized
09/16/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 33411
Web
Scammer on XXXX XXXX who send fake emails pretending to be Zelle on XX/XX/16 that they as a buyer has send too much money via Zelle and needed the difference send back. Send emails with Zelle logo with fake confirmation they had zelled too much money.
03/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 604XX
Web
XXXX XXXX XXXX and XXXX have negatively affected my XXXX XXXX consumer report. XXXX XXXX is reporting an account closed by XXXX XXXX XXXX which is fraud. XXXX is fraudulently reporting a XXXX XXXX XXXX to an account closed under my name on XX/XX/2019.
02/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33168
Web
I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove this inaccurate information as you XXXX.
01/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • XXXXX
Web
On XXXX XXXX was notified that I had information in Early warning reporting agency. After notifying the agent of my concerns XXXX was very rude and condescending. He then began to antagonize me. After asking for a supervisor he refused. I got no help.
11/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CT
  • 06451
Web Servicemember
I have reached out many times to the companys reporting on my credit reports and matched info For my social and birthday address which they agreed did not match my true identity and all agreed to delete all accounts from my credit reports permanently.
06/03/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • NJ
  • 07306
Web Servicemember
XXXX XXXX XXXX XXXX account ending in XXXX and XXXX XXXX XXXX XXXX XXXX all are reporting me to early warning systems and XXXX I never opened any of these accounts and I am not able to open up a bank account due to these fraudulent accounts reporting
07/08/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • NJ
  • 08401
Web
To Whom this may concern : The company has flagged my name for fraud and warning. The company did a investigation and did not remove the mishap. Although I know its the companies responsibility it is not my fault and I shall not be punished for this.
10/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30058
Web
The consumer report shows data that violates privacy acts. The information contained in the report is inaccurate and the way the data is listed and or represented is misleading. This type of reporting clearly violates FCRA terms and consumer rights.
02/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CT
  • 06451
Web Servicemember
I Call several times and the explosion spoke with the supervisor and he told me that the information will be removed and blocked and deleted forever off my reports. Im a victim of identity theft and this is not me. I have police reports Ftc as well.
12/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Problem getting your free annual credit report
  • GA
  • 30019
Web
Early Warnings will not give me my consumer report, I have been denied bank accounts, and I want to know why. I have went on there website completed the request form, submitted online and received no response from the company has been about a month.
01/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • TX
  • 76002
Web Servicemember
Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX. EWS is reporting inaccurate and erroneous information under my name and social security number which is having a negative impact on my good-name and credit worthiness.
09/07/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • SC
  • 29316
Web
On XX/XX/XXXX I was called by a person claiming to be a XXXX XXXX rep after I received a text about a potentially fraudulent charge. I was instructed to send Zelle payments in order to have them flagged as fraud and theyd come back into my account.
10/21/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • CA
  • 92114
Web
Early warning system has kept me from opening checking accounts. Under 15 U.S.C 1681section 604 a states a consumer reporting agency can not furnish a account without written instructions. I owe no money and they won't delete me from their system.
09/13/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • CA
  • 90017
Web
I have reached out to early warning services because my bank account for XXXX XXXX has been closed because of the information they reported I have not given them any verbal or written consent under 1681 paragraph b to report anything on my behalf
10/29/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • HI
  • 96822
Web
I got scammed from XXXX XXXX from XXXX, TX and I didn't know he was from Texas and I wanted my {$1000.00} back he took from me without sharing information on what this is about and I reported this to the police and hopefully catch this jerk!!!!!
08/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 183XX
Web
XXXX XXXX XXXX XXXX is reporting to EWS that I had a returned transaction on XX/XX/2022 in the amount of {$0.00} and the reason is " other item ''. The phone numbers that are being reported are incorrect. I've never had either of these numbers
02/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • XXXXX
Web Servicemember
I sent Early warning services a letter to remove the incorrect information on my Ews report on XX/XX/2022 and I have not received a response and it has been well over 30 days since I have not received any response from Early warning services.
10/17/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Problem adding money
  • HI
  • 96822
Web
XXXX {$300.00} XXXX {$200.00} + {$600.00} This person is telling me to send money just to get rid of a cart I'm trying to sell on XXXX and he tells me he can't pay me in cash!!!! It was only {$90.00}. Also, he hasn't even paid me back yet!!!!
10/04/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • FL
  • 33135
Web
Coming from this number XXXX They want be to call them, but I did not. This is the text I received You have been Billed {$190.00} at XXXX XXXX XXXX { ZELLE } -has been processed successfully. If not done by you please call XXXX immediately.
02/17/2019 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Other transaction problem
  • AZ
  • 85009
Web
XX/XX/2019 there was an unauthorized payment sent on the XXXX app. I didnt authorize the payment. When i called to cancel the transaction they said they could not help me. They said to call my financial institution to see if they can help me.
08/25/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • TX
  • 752XX
Web
On XX/XX/2021, I purchased an item on XXXX for {$150.00}. I paid through Zelle. The individual that I purchased the product from never mailed me the product. I contacted Zelle, to resolve the matter and they told me its nothing they can do.
08/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • FL
  • 33626
Web
I was the victim of a scam in 2019, I did the police report and everything, my account was closed due to fraud, but my credit card was still open, I paid the remaining balance more than a month ago. I'm still not able to open a bank account.
03/21/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • CA
  • 91762
Web
today, XXXX XXXX i got scammed on XXXX by a certain XXXX. she was selling XXXXXXXX XXXX tickets for {$320.00} each and i sent her the money thru zelle but i never got tickets. she then procedeed to block me. i have all her messages still.