Early Warning Services

Ms [redacted] submitted a complaint to the Revdex.com of Arizona stating that she is unable to open a bank account because of information reported by Early WarningEarly Warning completed a review of the information in Ms***’ file Our review did not find information that caused or responses to bank inquiries that resulted in a decline of service The Bank of America information noted in the complaint was removed from Ms***’ file on October 29, During our review we did not find a dispute of the account information reported by SunTrust Bank Based on the comments submitted by Ms***, we have forwarded the complaint as a dispute of the information to SunTrust Bank The outcome of the reinvestigation will be reported to Ms [redacted] within the next calendar daysA copy of Ms***’ file was provided to her by U.Smail on February 3,

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

Dear [redacted] , Thank you for contacting Early Warning about your consumer reportWe are committed to providing a convenient and positive experience throughout this process This letter is in response to your Revdex.com complaint, received on February 7th, In your complaint, you stated [redacted] is reporting.Based on the information you provided in your complaint, we are initiating the dispute process for youIf you have documentation to support your dispute, please send it to us using any of the below methods and we will append it to your disputeTo avoid any delays in processing your dispute, you may find our dispute checklist helpful, https://www.earlywarning.com/consumer-information.html#documentsElectronically through our secure communication portal https://consumerservices.earlywarning.com By fax ###-###-#### By mail Early Warning Attn: Consumer Services N90th Street Scottsdale, Arizona Under the Fair Credit Reporting Act, Early Warning and [redacted] have up to thirty (30) days to complete the reinvestigation of your disputeEarly Warning will notify you in writing of the outcome of your dispute upon completion If you have any additional questions or concerns, we encourage you to contact us by phone at ###-###-#### between the hours of 8am and 5pm MST, Monday through FridayOur consumer services representatives are available to assist you Sincerely, Consumer Services

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

Dear Ms***,This will respond to your complaint submitted through the Revdex.com (Revdex.com) on March 11, The statement of the problem in your complaint indicates that you are, “on collection and chexsystems” Early Warning is a specialty consumer reporting agency, and does not engage in collection activities We also do not have any connection with Chex Systems.Based on our recent communications, we are generating a copy of your file at Early Warning for you When completed it will be sent to you by U.Smail Upon receipt, you will be able to review the information and dispute any information you believe to be inaccurate or incomplete Instructions for submitting a dispute is included in the disclosure.In the meantime, should you have any questions, please contact us at [redacted]

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

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.]This is associated with prejudice, racially profiling and discrimination against [redacted] and wife [redacted] attached to IRS tax profile Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution would be satisfactory to me I will wait until for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]

Dear Ms [redacted] , Thank you for contacting Early Warning about your consumer reportWe are committed to providing a convenient and positive experience throughout this process This letter is in response to your Revdex.com complaint, received on 06/23/ Early Warning is a nationwide specialty consumer reporting agency that complies with applicable provisions of the Fair Credit Reporting Act (FCRA)We are owned by seven of the country's most respected financial institutions – Bank of America, N.A., Branch Banking & Trust, Capital One, N.AJPMorgan Chase Bank, N.APNC Bank, N.A., U.SBank, N.Aand Wells Fargo Bank, N.AFor over years, financial institutions, and other financial entities, have used our services to assist them in the detection and prevention of fraud associated with bank accounts and payment transactionsAs a consumer reporting agency, financial institutions provide information to us about checking and savings account history and activity Under the FCRA, you have the right to review and dispute information in your Early Warning consumer report that you believe is inaccurate or incompleteHowever, based on the information you provided in your complaint, we are unable to locate consumer report information about you (please note that in an effort to protect consumers’ privacy, we are not able to discuss another consumer’s information with you)To help us assist you further, please complete our Identification Form ( [redacted] ) and return it to us using the instructions on the form or call our Consumer Services department at [redacted] between the hours of 8am and 5pm MST, Monday through Friday If you have any additional questions or concerns, we encourage you to contact us by phone at [redacted] between the hours of 8am and 5pm MST, Monday through FridayOur consumer services representatives are available to assist you

Dear [redacted] ,Thank you for contacting Early Warning about your consumer reportWe are committed to providinga convenient and positive experience throughout this process.This letter is in response to your Revdex.com complaint, received on November 15th, 2017.In your complaint, you stated that you enrolled with Zelle through your financial institution, and yourmother enrolled through the Zelle mobile appYou stated that you sent your mother money, but afterseveral days it had still not arrivedYou indicated that when contacting Zelle customer support youwere unable to receive satisfactory resolution to your request to cancel the paymentYou also statedthat you would like the funds that were sent using Zelle, to be placed back into your account.We strive to provide exceptional customer serviceWe are sorry to hear that your recent interactionwith us, did not meet your needsPlease be assured that we take these matters seriously and weappreciate you taking the time to tell us about your experienceYour feedback will allow us to correctany problems and improve in these areas so we can better assist you in the future.Initial payments may experience a one to three business day delay, depending on the bankThis is asecurity feature of our Network designed to reduce risk and protect you whenever you are sending orreceiving moneyAfter the first payment is sent or received all future transactions will be withinminutes when sent or received between accounts registered with Zelle.Regarding the cancellation of the payment, Zelle is unable to take any action regarding cancellingpayments as we do not handle the fundsWhen you contacted our call center and were advised tocontact your bank’s customer support team, this was done as payments are transferred betweenfinancial institutions.We recommend contacting your bank’s customer support team for assistance regarding cancelling thepayment, if you are unable to do so directly through their Zelle serviceAdditionally the returnpayment delay timeframe is set at calendar days to ensure that if the receiver is not enrolled theyhave time to enroll with a valid account and receive the funds that were sent to them.If you need additional assistance regarding the payment, we recommend reaching out to your financial institutionscustomer support team.Best Regards,Zelle Support

In the complaint submitted through the Arizona Revdex.com, MrB [redacted] indicated that Early Warning has placed a “collection” in his file without contacting him Early Warning is a consumer reporting agency and does not engage in the collection of consumer debtsMr B [redacted] ’s file notes that he contacted Early Warning about the contributed record on March 8, At that time, information was obtained from him and the process of issuing a disclosure of his file was initiated We have submitted a copy of the complaint received through the Revdex.com on March 9, 2016, to the Furnisher in dispute of the accuracy of the contributed record The outcome of the reinvestigation will be reported to MrB [redacted] before the end of the day reinvestigation period and allowed by the Fair Credit Reporting Act

MrA [redacted] submitted a complaint asserting that Early Warning is reporting a fraud situation barring him from opening a bank accountHe has claimed to be a victim of a roommate trying to deposit a check that he had previously deposited through electronic meansOn June 8, 2016, Early Warning received a dispute of the information submitted by the [redacted] regarding the account ending in #***The dispute was forwarded to the [redacted] in support of MrA [redacted] 's request for reinvestigationThe outcome of the reinvestigation confirmed the accuracy of the information provided to Early Warning The determination was made based upon account history and the period of time over which the activity took place A notification of the outcome was mailed to MrA [redacted] on July 1, Specific information regarding the reason for the account closure and reporting can be obtained by calling [redacted] Recovery Management at 877- [redacted]

Dear [redacted] ,Thank you for contacting Early WarningI would like to assure you that we are committed to providing a convenientand positive experience throughout this process.This letter is in response to your Revdex.com complaint, received on 06/15/2017.In your complaint, you stated that you received information from three (3) different banks indicating you’ve beencleared of any issuesHowever, you are still in Early Warning’s system and would like to be removed.Early Warning is a nationwide specialty consumer reporting agency that complies with applicable provisions of theFair Credit Reporting Act (FCRA)We are owned by seven of the country's most respected financial institutions – [redacted] ***For over years, financial institutions, and other financial entities, haveused our services to assist them in the detection and prevention of fraud associated with bank accounts and paymenttransactionsAs a consumer reporting agency, financial institutions provide information to us about checking andsavings account history and activityThe FCRA does not provide consumers with the ability to "opt out" of havingfinancial institutions report their banking history to us nor are consumers able to "opt out" of Early Warning issuingconsumer reports about them to entities with permissible purpose.In reviewing our records, you previously disputed multiple records with various financial institutions in November andDecember At that time, your disputes were promptly forwarded to the corresponding financial institutions forreinvestigationUpon completion of the reinvestigations, two financial institutions ( [redacted] and [redacted] ***) assertedthe records provided were accurate based on account information/documentation maintained by the financialinstitutionsYou were notified in writing of the outcome of the reinvestigations by Early Warning on November 2016and December 2016.If you are seeking to dispute new records on your Early Warning consumer report or you have new or additionalinformation/documentation to support previously disputed records, please send us your dispute(s) using any of thebelow methods and we will further investigate your dispute(s)In your dispute(s), please identify the records youbelieve to be inaccurate or incomplete and provide any documentation you have to support your dispute(s)To avoidany delays in processing your dispute(s), you may find our dispute checklist helpful,https: [redacted] ? Electronically through our secure communication portal: https [redacted] ? By fax: [redacted] ? By mail: Early Warning, Attn: [redacted] ***If the previously completed reinvestigation(s) did not resolve your dispute(s), you may file a brief statement(s), withEarly Warning, setting forth the nature of your dispute(s) and your statement(s) will be provided with future consumerreports about youFor assistance with filing a statement of dispute, please call us at the number below.If you have any additional questions or concerns, we encourage you to contact us by phone at [redacted] betweenthe hours of 8am and 5pm MST, Monday through FridayOur consumer services representatives are available to assistyou.SincerelyConsumer Services Department

Dear [redacted] ,Thank you for contacting Early Warning about your consumer reportWe are committed to providing aconvenient and positive experience throughout this process.This letter is in response to your Revdex.com complaint, received on July th, 2017.In your complaint, you stated that you sent a dispute to Early Warning, regarding a Bank of Americarecord, and you did not receive a response within thirty (30) daysYou maintain that the information beingreported by Early Warning is inaccurate.In reviewing our records, we received your dispute of this Bank of America record on June 16th, Atthat time, your dispute was promptly forwarded to Bank of America for reinvestigationUpon completionof the reinvestigation, Bank of America asserted the record was accurate based on accountinformation/documentation maintained by the financial institutionYou were notified in writing, sent by USmail, of the outcome of the reinvestigation on July 10th, 2017.If you have new or additional information/documentation to support your dispute, please send it to ususing any of the below methods and we will further investigate your disputeTo avoid any delays inprocessing your dispute, you may find our dispute checklist helpful, [redacted] .? Electronically through our secure communication portal: [redacted] ? By fax: [redacted] ? By mail: Early Warning, Attn: Consumer Services, [redacted] ***If the previously completed reinvestigation did not resolve your dispute, you may file a brief statement,with Early Warning, setting forth the nature of your dispute and your statement will be provided with futureconsumer reports about youFor assistance with filing a statement of dispute, please call us at thenumber below.If you have any additional questions or concerns, we encourage you to contact us by phone at [redacted] between the hours of 8am and 5pm MST, Monday through FridayOur consumerservices representatives are available to assist you

[redacted] case file notes the last date of contact as March 27, We do not show that the contributed information to the file has been disputed by [redacted] We have not recieved a copy of the police report noted in the complaint Early Warning will be reaching out to [redacted] to update the file and provide a file disclosure

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

Dear Ms***, This letter in response to your Revdex.com complaint, received on April 6, In your complaint, you indicated you are unable to get a bank account and that you want “everything resolved” on your Early Warning consumer report In looking at our records, Early Warning first had contact with you on March 15, As a result of that interaction, we mailed your Early Warning consumer report to youHowever, we do not show that we have ever received a dispute from you regarding the accuracy or completeness of any records contained on your consumer report As a result of your Revdex.com complaint, we are initiating the dispute process for youA representative from our Consumer Services department may be in contact with you if additional information is needed to proceed with your dispute If you have documentation to support your dispute, please send them to us using one of the below methods Electronically through our secure communication portal [redacted] By fax [redacted] By mail Early Warning Attn: Consumer Services [redacted] ***To avoid any delays in processing your dispute, you may find our dispute checklist helpful, [redacted] If you have any additional questions or concerns, we encourage you to contact us by phone at [redacted] between the hours of 8am and 5pm MST, Monday through Friday

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

We are in receipt of your correspondence dated May 13, regarding [redacted] Early Warning is a consumer reporting agencyThe information in our database is contributed by financial institutions in regards to how accounts are managedMr [redacted] contacted Early Warning on May 9, This call started the initial steps of requesting a consumer reportUnder the Fair Credit Reporting Act, we are required to positively identify a consumer through the completion of a Consumer Identification formOnce this form has been returned, Early Warning would mail the consumer a copy of their reportAs of today, we have not received the completed paperwork to fulfill his request to dispute the recordBased on Mr [redacted] ’s concerns about the representative speaking harshly to him, the Early Warning leadership has reviewed the call and will provide appropriate coachingWe appreciate him making us aware of his experience and are continually working to improve our serviceI have left a message for Mr [redacted] to return our call to finish the process as soon as possibleHis original inquiry did not disclose he was a victim of identity theft, I have since updated his file to expedite research once he has been verifiedWe have mailed an Identity Theft resource letter to assist in notifying other agenciesPlease let me know if you have any additional questions Joe M [redacted] | Director – Call Center Management

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

Dear [redacted] ,Thank you for contacting Early WarningI would like to assure you that we are committed to providing a convenientand positive experience throughout this process.This letter is in response to your Revdex.com complaint, received on 06/15/2017.In your complaint, you stated that you received information from three (3) different banks indicating you’ve beencleared of any issuesHowever, you are still in Early Warning’s system and would like to be removed.Early Warning is a nationwide specialty consumer reporting agency that complies with applicable provisions of theFair Credit Reporting Act (FCRA)We are owned by seven of the country's most respected financial institutions –Bank of America, N.A., Branch Banking & Trust, [redacted] ***, N.AJPMorgan Chase Bank, N.APNC Bank, N.A.,U.SBank, N.Aand Wells Fargo Bank, N.AFor over years, financial institutions, and other financial entities, haveused our services to assist them in the detection and prevention of fraud associated with bank accounts and paymenttransactionsAs a consumer reporting agency, financial institutions provide information to us about checking andsavings account history and activityThe FCRA does not provide consumers with the ability to "opt out" of havingfinancial institutions report their banking history to us nor are consumers able to "opt out" of Early Warning issuingconsumer reports about them to entities with permissible purpose.In reviewing our records, you previously disputed multiple records with various financial institutions in November andDecember At that time, your disputes were promptly forwarded to the corresponding financial institutions forreinvestigationUpon completion of the reinvestigations, two financial institutions ( [redacted] and [redacted] ***) assertedthe records provided were accurate based on account information/documentation maintained by the financialinstitutionsYou were notified in writing of the outcome of the reinvestigations by Early Warning on November 2016and December 2016.If you are seeking to dispute new records on your Early Warning consumer report or you have new or additionalinformation/documentation to support previously disputed records, please send us your dispute(s) using any of thebelow methods and we will further investigate your dispute(s)In your dispute(s), please identify the records youbelieve to be inaccurate or incomplete and provide any documentation you have to support your dispute(s)To avoidany delays in processing your dispute(s), you may find our dispute checklist helpful,https: [redacted] ? Electronically through our secure communication portal: https [redacted] ? By fax: [redacted] ? By mail: Early Warning, Attn: [redacted] ***If the previously completed reinvestigation(s) did not resolve your dispute(s), you may file a brief statement(s), withEarly Warning, setting forth the nature of your dispute(s) and your statement(s) will be provided with future consumerreports about youFor assistance with filing a statement of dispute, please call us at the number below.If you have any additional questions or concerns, we encourage you to contact us by phone at [redacted] betweenthe hours of 8am and 5pm MST, Monday through FridayOur consumer services representatives are available to assistyou.SincerelyConsumer Services Department