Early Warning

I used Zelle to purchase an item from XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, NM for XXXX dollars.XXXX has not met his end of the bargain. The transporter that was supposed to deliver this item to me company name XXXX XXXX XXXX and deliveries owner XXXX XXXX had stood me up twice and upon arrival and gave me an addition fake phone number claiming it was his wifes number which led to a homeless shelter. The seller XXXX gave me a hard time about this whole scenario I requested my money back he refused submitted my evidence to Zelle and Zelle keeps denying my claim despite everything

Dear Consumer Financial Protection Bureau, I am writing to submit a follow-up complaint regarding my previous issue with Zelle involving XXXX {$500.00} fraudulent transaction that has yet to be resolved. Since filing my initial complaint, I have made multiple attempts to follow up directly with Zelle regarding my case. I have specifically left numerous messages for an agent identified as XXXX, who was assigned to or associated with my claim. Unfortunately, I have not received any response, nor have my phone calls been returned. This lack of communication is extremely frustrating and unacceptable, especially given the urgency and financial impact of this matter. As a consumer, I expect timely and professional communication when reporting fraud and seeking assistance. XXXX failure to respond only adds to the harm I have already experienced. To date : I have not received any meaningful update on my case. My repeated attempts to contact Zelle have been ignored.…

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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX Email : XXXX Date : XX/XX/XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Fraudulent Accounts/ Identity Theft To Whom It May Concern, I am writing to formally dispute fraudulent banking information being reported under my name in my Early Warning Services consumer file . I did not open, authorize, or use the accounts listed below, and I am requesting an immediate investigation and deletion of all fraudulent information associated with my identity.…

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On XX/XX/XXXX, I sent {$300.00} through Zelle using my XXXX Bank account after being deceived by an impersonation scam. The individual posed as someone I knew, but the actual recipient name ( XXXX XXXX XXXX ) does not match the person I intended to pay. I reported the transaction immediately after sending it and requested a stop payment and fraud assistance. XXXX has no record of my initial report and confirmed that no recall request or notification was sent to the receiving bank. I contacted both XXXX and Zelle multiple times, including speaking with a supervisor. XXXX stated there are no recovery options for this type of fraud and took no recovery action despite immediate reporting. This transaction was made under false pretenses and should not be treated as a standard authorized payment. I am requesting a re-review of this case and appropriate recovery efforts.

I am submitting this complaint regarding inaccurate and fraudulent reporting related to my banking history and identity theft. I previously submitted an Identity Theft Report and supporting documentation showing that unauthorized transactions and activity occurred on my account without my knowledge or authorization. Despite this, negative reporting related to these fraudulent activities was reinserted into my consumer banking file. Under the Fair Credit Reporting Act and Identity Theft provisions under XXXX U.S.C. XXXX, any information resulting from identity theft must be permanently blocked and can not be reinserted unless verified as accurate and belonging to me. I have not authorized any reinsertion, nor was I provided proper notice prior to reinsertion. The fraudulent activity also led to account restrictions, closures, and issues with peer-to-peer payment services. These actions were based on unauthorized transactions that were formally disputed as identity theft.…

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Between XX/XX/XXXX and XX/XX/2024, I made payments to a company identifying itself as XXXX XXXX XXXX XXXX, which also represented itself as XXXX XXXX and XXXX XXXX XXXX XXXX, for employment-based immigration ( XXXX ) services. I paid a total of approximately {$21000.00} USD, including : {$10000.00} USD via Zelle The remaining amount via XXXX bank transfers The company represented that they would : Secure a U.S. employer sponsor File a PERM labor certification in a timely manner Progress my case through the XXXX immigration process However, after receiving payment : I did not receive verifiable documentation confirming that my case was properly filed I did not receive any official receipts, case numbers, or formal updates Communication became inconsistent and delayed Responses were vague and did not provide concrete evidence of progress Over time, I repeatedly followed up to request : Proof of filing ( such as PERM submission confirmation ) Timeline updates Clarification on the…

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I am a US citizen by birth. I was scammed online on XXXX for about XXXX XXXX USD, sent fake passports, fake cedula, fake visa, fake baggage invoice, and fake phone invoice from non-existent stores. The final insult was a fake medical emergency, which had a completely unrelated drug prescribed, and she was told she would go to jail if I didn't pay. She claimed to have bruises and to have been attacked, which takes weeks to heal. She miraculously healed once the money was received. She threatened to attack me and my mother if I didn't send her money. She also said that she would punish me by opening fraudulent loans in my name from my information via XXXX and Zelle. I have been in touch with the XXXX XXXX fraud team member XXXX XXXX. I have contacted USA FBI and lodged a complaint with the FBI IC3 and also contacted USA ICE immigration team. I contacted the USA embassy in XXXX.…

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I am writing too formally express my concerns regarding XXXX XXXX handling of disputes, Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. they informed me that recovering lost funds was imposible and that tracking these transaction was unfeasible. The CFPB 'S findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This Lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

XXXX XXXX XXXX ( XXXX ) XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Removal of Unauthorized Credit Inquiries Dear CFPB Representative, I am submitting this formal complaint regarding multiple unauthorized or inaccurate credit inquiries appearing on my credit report. These inquiries were not initiated by me, were made without my consent, and are negatively impacting my credit profile. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate, incomplete, or unauthorized. I am requesting a full investigation into these inquiries and the immediate removal of all unauthorized entries from my credit history.…

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Name : XXXX XXXX XXXX ID : from early warnings Date of Birth : XX/XX/XXXX XXXX ID Type : Driver 's License ID Number:XXXX Address:XXXX XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX ) XXXX XXXX am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX KY ( Open Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX XXXX - XXXX ( Open Date:XXXX ) Account # :XXXX Routing # :XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Chex systems Consumer report immediately! Ive attached a copy of the report to this request. Thank you for your assistance. Sincerely, XXXX XXXX the Electronic Fund Transfer Act ( XXXX U.S.C.…

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I have XXXX unauthorized transactions that occurred on my bank account - one through Zelle for {$1800.00} to an XXXX XXXX ( associated phone number XXXX ) and XXXX unauthorized transactions using my debit card through XXXX for the amounts of {$750.00} and then subsequently {$1300.00} to a XXXX XXXX ( XXXX XXXX ) via their platform. I am not familiar with either party and have never sent money to either individual previously. All XXXX transactions took place around XXXX XXXX while I was at home, in bed. None of these transactions were authorized, they are not to people I know, and in amounts that drained my entire checking account within moments. I have reported the issue to XXXX XXXX my financial institution and spoke with their security specialist for Zelle, XXXX, who reviewed the Zelle transaction and could clearly see that the money was moved to the XXXX XXXX account and then immediately transferred to another account.…

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I am filing this complaint regarding XXXX role in facilitating a fraudulent transaction as part of an impersonation scam, resulting in a loss of {$2000.00}. On XX/XX/XXXX, I was the victim of a sophisticated impersonation scam in which a bad actor posed as a trusted contact and induced me to send funds under false pretenses. As part of this scheme, I sent {$2000.00} via XXXX through XXXX XXXX XXXX to a XXXX XXXX, phone number XXXX. XXXX confirmation # XXXX This was not a legitimate or voluntary payment. It was induced by deception. XXXX is widely recognized as a platform frequently exploited for impersonation scams. Despite this, there appear to be insufficient safeguards in place to detect or prevent these transactions, and limited recourse for consumers once fraud occurs. My claim was denied on the basis that the transaction was authorized, despite the clear presence of fraud.…

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In response, I promptly provided supporting documentation to XXXX XXXX. Following a formal investigation, XXXX XXXX issued an official report concluding that both transactions in question were not fraudulent ( see attached report ). Despite this finding, my Zelle account continues to be restricted. XXXX XXXX has confirmed to me in writing that : They are not responsible for the restriction of my Zelle account, and The restriction was imposed by Zelle directly I must contact Zelle to have the restriction removed ( see attached email correspondence ) At this point, there is clear documentation from my financial institution verifying that no fraud occurred, yet Zelle has not lifted the restriction or provided a clear path to resolution.

There was a post on XXXX advertising a liquidation sale. A friend recognized the account and shared it, so we trusted it. They requested a deposit, and because we thought we knew them, we sent XXXX deposits totaling {$3500.00} ( {$3000.00} and {$500.00} ) through Zelle. They provided the name of an uncle and an address, along with the XXXX account information : * Name : XXXX XXXX ( Account Hacked ) * Associated Name : XXXX XXXX ( Money transferred ) * Location Address : XXXX XXXX XXXX XXXX, XXXX, OH ( submitted to us by text ) They claimed they were at a funeral and even shared a photo, but when we tried calling, they did not answer. Later that same day, we discovered it was a scam. We contacted the recipient asking for our refund but received silence. We submitted the issue to XXXX, but the posting remained. We filed a Consumer Report to the FTC - FTC Report Number XXXX. We submitted a dispute with XXXX within the hour.…

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Subject : Identity Theft / Unauthorized Account Dispute Formal Investigation Request To : Early Warning Services LLC Re : Request for Investigation, Blocking, and Removal of Fraudulent Account To Whom It May Concern, I am writing to formally dispute inaccurate information contained in my consumer file. I recently discovered that a bank account was opened in my name without my knowledge or authorization. This account is the result of identity theft or fraudulent activity. I did not open, authorize, or benefit from this account in any way. Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681i and 1681c-2, I am requesting that you : 1. Conduct a reasonable and timely investigation into this matter 2. Block and remove any fraudulent or unauthorized accounts from my consumer file immediately 3.…

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} I am filing a complaint regarding inaccurate and fraudulent reporting by Early Warning Services. Early Warning Services is reporting a XXXX account in my consumer file that I did not open, authorize, or benefit from. The account is associated with identity theft, and the bank has assigned a fraud claim number to the account. Despite multiple disputes, Early Warning Services continues reporting the account and has refused to properly reinvestigate the dispute. In its written responses, Early Warning stated that my dispute contained no new information and dismissed it as duplicative. However, my dispute included new evidence, including incorrect identifying information associated with the account and confirmation of a fraud claim with the bank. The consumer report associated with this account contains identifying information that does not belong to me, including an incorrect phone number, email address, and mailing address.…

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On XX/XX/2026, my landlord sent me a {$3000.00} Zelle payment using my phone number as the recipient identifier. My phone number has been enrolled with Zelle through my XXXX XXXX XXXXXXXX checking account ( ending in XXXX ) and was active at the time of the transfer. Reference XXXX or Zelle transaction number : XXXX The {$3000.00} never arrived in my XXXX XXXX XXXXXXXX account. On XX/XX/2026, XXXX ( my landlord 's bank ) provided my landlord written confirmation ( Claim number : XXXX, Date of inquiry : XX/XX/2026 ) that the transfer had successfully been deposited into a bank account ending in XXXX, associated with Zelle XXXX XXXX XXXX, '' and that no adjustment would be made. I do not own and have never owned any bank account ending in XXXX, and my XXXX XXXX XXXX representative confirmed my account has no Zelle tag associated with it. I contacted XXXX XXXX XXXXXXXX directly they confirmed no Zelle transaction was received on XX/XX/2026.…

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ON XX/XX/XXXX or around that time i had put in a request for a credit card even ask to speak with the underwriter and Underwriter had disclose to me they are obligated to pull my account and said I just need to pay OFF my stuff, I would not have been declined and it would not be on my credit report. under XXXX XXXX XXXX discloses that do not provide to Non affiliated and under XXXX XXXX 1681 ( b ) Obligation and Respect Closure of Information and must have permission and do not suppose to share information under Fair Credit Report Act and XXXX CFR 313 f, 15 USC 6801-6805, 16 CFR 313.1, 313.7. I have been violated, suffering and my business has be on halt I am a trustee of my Estate, and Started a Ministry/Non Profit it is keeping me moving forward behind hardship and illegal activities, and as I see as of XX/XX/XXXX they remove Arbitration clauses and have new terms and conditions.

A " friend '' had asked me to receive a payment for him of {$800.00} in exchange for XXXX dollars, so I deposited {$750.00} ( XX/XX/year> XXXX ) on Zelle and put in his card information into my XXXX XXXX as he " doesn't use '' any cash transaction apps so I told him I'd do the favor for him. Later to I found out he scammed that person by impersonating an XXXX and was selling the person a golf simulator but didn't send it to them. The person reached out to me demanding the XXXX dollars back or he could press charges and I would be included even though I had XXXX knowledge that " friend '' was scamming people and impersonating law enforcement which is a felony so I did the right thing and gave that person their money back. But now I am out of XXXX dollars. Is there anyway to undo the transaction as that person is not responding to my calls or texts.

My daughter loaned me {$300.00} via Zelle. I went to repay her the money and unfortunately, I selected her old cell phone number which was still listed in my contacts to transfer her back to {$300.00}. My daughter informed me later that day that she had not received the monies therefore I went back into the Zelle application and I realized that I had selected her old phone number. I selected her correct phone number and sent her {$300.00}. I requested that the other number send me back the {$300.00} and did not receive a response. I called XXXX bank and informed them of the mishap. They said they reached out to Zelle and unfortunately they were not able to give me back my {$300.00}. I called the number that previously belonged to my daughter and it constantly goes to voicemail. I dont believe that this is an active phone number and I do not believe. that previously belonged to my daughter and it constantly goes to voicemail.…

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I was robbed at XXXX point in which my purse was taken on XXXX XXXX in XXXX, Illinois, I received notice from XXXX, and XXXX around the same time that their companies had a data breach. In XXXX of XXXX I began receiving collection notices and mail regarding overdrawn checking accounts, I reached out to XXXX, early Warning to get my consumer reports and accounts were open at XXXX, XXXX XXXX XXXX XXXX with overdrawn balances. I received notice from IRS that taxes were filed fraudulently using my social security number as well. I sent police report, IRS identity theft letter, FTC fraud verified notice to XXXX, early warning and they refuse to remove accounts from my file stating my information is accurately reported. It would be accurate if someone uses my drivers license in my stolen purse. I would like a lawsuit filed against Early Warning company.

XXXX Zelle scam {$800.00}. Someone contacted me using my family member 's XXXX XXXX account that apparently has been hacked and requested assistance this a Zelle transaction. Impostor provided Zelle account holder name : " XXXX XXXX XXXX '' as the person providing services to my impostor family member. money was sent. they where able to answer a messenger videocall but it apparently had bandwidth issues and dropped.

On XX/XX/year> I listed a bag on XXXX XXXX and had a buyer who wanted to pay Zelle. I gave my number so they could send it. They said they had a business account and customer service had to contact me. I called the number texted. I was told they would send me {$500.00} then I would send it back in order verify I could send to business accounts. I received a check from the customer rep via text to deposit the {$500.00} which was processed into my XXXX banking account. When I called to finish the process of sending it back, I knew it was a scam. The guy kept pressuring me to send {$500.00} back to the buyer. I refused, hung up, and was then locked out of my chase account due to suspicious activity. I am now on the phone with them seeing what I can do about the situation. After research, I learned this is a common scam. I did NOT send the {$500.00} back and I hung up immediately to call XXXX XXXX line.

We are a XXXX XXXX store and on XX/XX/year>, our company was restricted from receiving or refunding our customers thru a third party company called Zelle. Our company offers Zelle to our customers when purchasing parts for their vehicles. I contacted our bank and was informed that Zelle was restricted with my bank and gave me no reason as to why. Zelle was a helpful way for our customers to purchase parts.

On XX/XX/year>, I sent a {$500.00} Zelle payment via XXXX XXXX XXXX XXXX app. The transfer failed ( recipient issue/technical error ) and was supposed to automatically return. XXXX XXXX confirmed it failed but said it requires manual processing by Zelle. They keep changing refund dates : first today, now Friday at latest ( past 10 business days ). Federal law ( Regulation E, 12 CFR 1005.11 ) requires : Investigation within 10 business days of error notice Provisional credit if they need more than 1XXXX days Timeline : Transfer XX/XX/XXXX Today XX/XX/XXXX is Day XXXX. No credit provided.

I am filing this complaint regarding inaccurate reporting and failure to properly investigate a dispute by XXXX XXXX and Early Warning Services. On XX/XX/year>, I submitted a written dispute to XXXX XXXX regarding the closure and reporting of a bank account associated with my name ( account ending in XXXX ). In my dispute, I clearly requested documentation verifying the accuracy of the information furnished to consumer reporting agencies, including XXXX and Early Warning Services. Specifically, I requested the exact reason for the account closure, any alleged loss amount, and any evidence supporting the negative reporting. XXXX XXXX responded with a generic statement claiming the information reported is accurate and that no changes were made. However, they did not provide any documentation, evidence, or explanation addressing the items requested in my dispute.…

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I applied for a remote job through the website XXXX which is similar to indeed. The job posting was for a company called XXXX. After that application, I was contacted via text message because I had provided my phone number on the application which was about a week later they had reached out to me. The person contacted me had told me to communicate through XXXX teams for the interview and the hiring process during these conversations, I was offered a remote position with the company, which I accepted. XXXX, the company sent me a check for {$3500.00}. From there, the person told me to deposit in my XXXX XXXX account. I was instructed to only deposit through the mobile app. After the deposit, the funds appeared in my account which led me to believe the check was legitimate. Surely after, I was instructed to send XXXX payments for the remote equipment for my position to an individual named XXXX XXXX.…

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I am writing to formally express my concerns regarding Zelles handling disputes particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety

I was selling an item on XXXX marketplace and I had listed some items names in an antique XXXX XXXX group. An admin of that group had messaged me and sent me a number saying that their friend wanted to purchase my antique wood desk that I had listed. The admins name was XXXX XXXX XXXX. I then message the number and it belong to someone who claimed their name was XXXX plan to pick up the item the next day and ask for my XXXX information me a XXXX. I then got an email from XXXX that looked like a legitimate email everything about it a XXXX email except once you actually clicked on it and viewed the senders email address. It was not the official XXXX XXXX. I got a call from them who claimed to be a XXXX representative. They then said that I needed to upgrade my account to a business account and they said that the smallest transaction for this would have to be {$1000.00} so they told me that they informed XXXX to send me {$1000.00} and then I would just need to send it back.…

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On XX/XX/year> I recieved a package or large envelope with a letter and a check for $ XXXX said campaign for XXXX water wrap.Stated i would recieve {$700.00} a week for having my car wrapped for advertising. $ XXXX that requested by text was for down payment for company doing the wrap. They text me and told me to send the money thru zelle then ask me for {$500.00} more I refused and then the check they had me depoist in my XXXX account was removed.I have filed a fruad report with XXXX and several other scamm sites.it.s been XXXX months and XXXX denies giving my money back.That was almost all of my XXXX XXXX check.