Consumer complaint received 2024-02-08
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC (TX)

XXXX XXXX XXXX which wholly owns Zelle on XX/XX/XXXX XXXX My Zelle Profile which included my phone number XXXX and my email XXXX. There was no explanation as to why my Zelle Profile was restricted, and no explanation nor documentation nor letter has been provided. On XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX opened a Checking and Savings, and then proceeded to open a Money Market Account FRAUDULENTLY. I did not apply for any of these account 's and I did not receive any account documents, nor did I receive any debit cards for these account 's. I did not make any charges, and I did not receive any benefits from these accounts. It was discovered that my email XXXX was hacked. I recovered the email address. I did not register for any online profiles with XXXX, and I did not register for Zelle through XXXX. XXXX advised me they reported to early warning services that I conducted Suspicious activity. Which is FALSE. Falsely accused, and No documentation or PROOF of evidence has been provided from the institution to support their false accusations. Which then in return Zelle added me to a Global Restricted List, Which Zelle Admitted I am now listed on because of XXXX  Incorrect False Reporting. These accounts are listed on my identity theft affidavit attached. I did not open these account 's and I did not authorize these accounts to be opened. I did not enroll a zelle profile with this instituion. XXXX refuses to XXXX the Zelle XXXX. Which in return now Zelle XXXX my actual Zelle profile with XXXX XXXX XXXX because of XXXX 's False Accusations. I am not suspicious. I did not conduct any fraud, I am a victim. These account 's with XXXX were opened fraudulently and the XXXX Zelle profile was also fraud. Which is what I have told XXXX over the phone, They incorrectly reported it to Zelle, and Zelle is stating I violated their terms and conditions. I have never once reported any ZELLE Transactions, As Disputed nor Fraud with my institution. I have read their terms and conditions and I have not violated any of their user agreements. It is absurd that Zelle believe 's whatever XXXX FALSELY Reported. XXXX does not have any evidence to support their claim yet I do. I sent my FTC Affidavit to the FBI for Investigation, the XXXX Bank accounts are listed. Please block these on my Early Warning Report, and Please also Correct my zelle profile with XXXX. XXXX advised ZELLE Restricted it not XXXX. Zelle restricted it based on what XXXX lied about. XXXX should not falsely accuse consumers and then refuse to unenroll the zelle profile to prohibit actual consumers from using Zelle at other insitituions. Especially when a customer has not committed any violations against any of Zelles user agreements. I Am a Victim of Identity Fraud, and I want my Zelle Profile reinstated. I also want XXXX Bank investigated for FALSELY reporting inaccurate information just to prohibit zelle use. This is consumer abuse and discrimination. Zelle puts people on a global restricted list based on false information reported by XXXX Bank.