Money transfer, virtual currency, or money service -- Fraud or scam -- Complaint #4875966
Complaint Overview
Complaint ID: 4875966
Company: Early Warning Services, LLC
Product: Money transfer, virtual currency, or money service
Sub-Product: Mobile or digital wallet
Issue: Fraud or scam
State: Kentucky
ZIP Code: 40245
Date Received: 2021-11-04T12:00:00-05:00
Date Sent to Company: 2021-11-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
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.
Frequently Asked Questions
What is Complaint #4875966 about?
Complaint #4875966 was filed against Early Warning Services, LLC regarding Money transfer, virtual currency, or money service specifically about Fraud or scam. It was received by the CFPB on 2021-11-04T12:00:00-05:00.
How did Early Warning Services, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Money transfer, virtual currency, or money service) and describe your issue in detail.
Can I see other complaints against Early Warning Services, LLC?
Yes, visit the Early Warning Services, LLC company profile at readthecomplaint.com/company/early-warning-services-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.