Money transfer, virtual currency, or money service -- Unauthorized transactions or other transaction problem -- Complaint #8954011
Complaint Overview
Complaint ID: 8954011
Company: Early Warning Services, LLC
Product: Money transfer, virtual currency, or money service
Sub-Product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem
State: Ohio
ZIP Code: 43026
Date Received: 2024-05-07T12:00:00-05:00
Date Sent to Company: 2024-05-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have not used Zelle in years, I used to use it only to pay my babysitter more than 5 years ago until one day they locked my account. They were less than helpful at resolving this so I just let it stay that way. Recently I was performing work for a homeowner and she mentioned she wanted to pay by Zelle, u told her I didnt have one. Friday XXXX I tried to login to Zelle and got a message saying my account was permanently locked. A few days later when I submitted my hours and my sisters Zelle number she said she already submitted payment to Zelle using my email address and it was showing as received. I contacted Zelle and asked them to return the funds to this customer because they accepted funds on my behalf on a locked account I couldnt even access. The representative told me theyd be returned after 14 days. 14 days isnt an acceptable amount of time for my payment to be in limbo. She said she unlocked my account and all I had to do was add a debit card to access the funds, so I relented. When trying to follow this process I received errors due to my phone number, had to call back, they said it was still linked to a previous bank I used that partnered with them, I had access to a different number so we tried that, but then it wouldnt let me link my email which is where the money was sent to. On call back # XXXX the rep said the only way forward was for me to jump through hoops and contact my old banking institution who I was just part of a class action against and get my phone number released. I requested they just deleted my info and not accept any more payments on my behalf, which is the crux of this issue. Zelle is accepting funds without permission and creating barriers for consumers to access said funds. If an account is locked due to their prerogative they should no accept funds for that account and reject them.
Frequently Asked Questions
What is Complaint #8954011 about?
Complaint #8954011 was filed against Early Warning Services, LLC regarding Money transfer, virtual currency, or money service specifically about Unauthorized transactions or other transaction problem. It was received by the CFPB on 2024-05-07T12:00:00-05:00.
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.