Menu YOUR CONSUMER REPORT LET'S GET YOUR QUESTIONS ANSWERED You may have recently received a check from your financial institution. If you have questions specifically regarding the check, please call your Financial Institution. If the notice you received did not state that the account was closed as a result of information provided by Early Warning and you have questions regarding the notice we recommend that you contact your financial institution directly. If the notice states that the account was closed as a result of information provided by Early Warning, and/or you wish to obtain a copy of your consumer report or have concerns about Identity Theft, please continue down this page for instructions on how to obtain your consumer report. How to Check Your Banking History When banks see new applicants to their institutions or a merchant is determining whether to accept a check, they may look to consumer reporting agencies, like Early Warning, to help them better understand the consumer’s banking history. By using data provided to us by thousands of financial institutions (FIs) across the United States, Early Warning provides information to participating FIs about consumers’ banking activity and history to help them detect fraud and assess risk. Under the Fair Credit Reporting Act, you are entitled to request a copy of your consumer report. Early Warning does not charge a fee to send you your consumer report. Once you receive your report, you should carefully review it to ensure all of the information is accurate and complete. If your consumer report contains any information which you believe to be inaccurate or incomplete, you may contact Early Warning and we will help you understand the report and take action. REQUEST REPORT Why was I declined and Who Is Early Warning? How do I get a copy of my consumer report? I'm a victim of ID theft. How can you help? What best describes your situation? You were declined a bank account, it was closed or your payment was declined You would like your Early Warning Consumer Report You would like to dispute something in your Early Warning Consumer Report Documents Below are documents that you might find to be helpful to support you through the process. CONSUMER REPORT DISPUTE CHECKLIST SUMMARY OF RIGHTS UNDER THE FAIR CREDIT REPORTING ACT Identity Theft & Online Fraud Prevention Resources Every day, criminals are finding new ways to target consumers for identity theft, check fraud, online fraud through email and Internet scams, and more. Here are some of the resources available that provide consumer information and education to help protect you from becoming a victim of fraud: Consumer Financial Protection Bureau Federal Trade Commission Federal Bureau of Investigation OnGuard Online Identity Theft Resource Center Remedying the Effects of Identity Theft Avoid Credit Repair Scams You should exercise extreme caution if you are considering using a credit repair company. There are many steps you can take to repair your credit on your own, at no cost. The Credit Repair Organization Act (CROA) and many state laws prohibit credit repair companies from misrepresenting what they can do for consumers and from charging consumers before they have performed agreed-upon services. Visit the FTC’s Credit Repair Scam website to learn more. Early Warning supports consumers’ rights to dispute and correct inaccurate or incomplete information that has been furnished to Early Warning in accordance with the Fair Credit Reporting Act (FCRA). You may contact Early Warning to obtain a free copy of your consumer report. You may dispute information you believe to be inaccurate or incomplete free of charge. Early Warning will never charge you a fee to obtain a copy of your consumer report, conduct an investigation of disputed information or remove inaccurate information from your report. Avoid Debt Collection Scams Early Warning does not collect debts on behalf of creditors or debt collection companies. If you are contacted by a debt collection company claiming to collect debts on behalf of Early Warning, be aware that the request is not legitimate. Visit the Consumer Financial Protection Bureau’s website to learn more about debt collection scams. Early Warning Services, LLC, is a fintech company owned by seven of the country’s largest banks. For almost three decades, our identity, risk and payment solutions have been empowering financial institutions to make confident decisions, enable payments and mitigate fraud. Today, Early Warning is best known as the owner and operator of the Zelle Network®, a financial services network focused on transforming payment experiences. FOOTER PRODUCTS BRIGHT IDEAS NEWS Looking for Consumer Report Information? Early Warning supports consumers' rights to dispute and corrects inaccurate or incomplete information. YOUR CONSUMER REPORT EW Top Footer Menu Blog About Careers Contact Channel Partners Connect with Early Warning LinkedIn Connect with Zelle Facebook Instagram Legal © 2021 Early Warning Services, LLC. All Rights Reserved Your Privacy Rights Supplier Registration Legal Subpoena Process Reporting Vulnerabilities *In accordance with the Fair Credit Reporting Act, your consumer report will be sent to you within 3 calendar days if you notify Early Warning that you have been a victim of identity theft and you provide the information required by the Act.