Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6154026
Complaint Overview
Complaint ID: 6154026
Company: Early Warning Services, LLC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Florida
ZIP Code: 329XX
Date Received: 2022-11-01T12:00:00-05:00
Date Sent to Company: 2022-11-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
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.
Frequently Asked Questions
What is Complaint #6154026 about?
Complaint #6154026 was filed against Early Warning Services, LLC regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-11-01T12:00:00-05:00.
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 (Credit reporting, credit repair services, or other personal consumer reports) 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.