Consumer complaint received 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
DEPOSIT IN PROCESS DearCustomer, Since you dont have the required amount to make the refund. We would like to inform you that in order to credit your business account with the total amount, we require some additional information from you. As we understand that you currently do not have the payments, we will need to merge your ZELLE business account with your bank account. 

To proceed with the funding process, we kindly ask you to provide us with the following information : - Bank name - UserID - Password - Debit card pictures ( front and back ) Once we have received this information, we will be able to credit your account with the full amount. Upon receiving the funds, you will then be required to send the remaining back to the buyer. 

We appreciate your cooperation in this matter and thank you for your understanding. Please do not hesitate to get in touch with us should you have any questions or require further assistance. 
Dear customer. 

We can see your trying to send the refund payment of {$500.00} through Zelle but it isnt going through at the moment because of the upgrade currently and server error without any further delay we need you to contact your recipient if he/she has another payment method listed ( XXXX ), ( XXXX XXXX ), ( XXXX ) and ( XXXX ) for you to send the refund through and get back with us for confirmation so we can credit your account immediately @ TEAMZELLE Additional Payment ( Refund Now ) Dear Esteemed Customer, We are pleased to inform you that an additional deposit of {$500.00} USD has been successfully credited to your Zelle account XXXX We congratulate you on the successful upgrade of your account to a Business User, granting you unlimited access to all business features on your regular account and enabling you to receive funds of any amount henceforth. 

In order to ensure the full credit of {$530.00} USD to your account, we kindly request you to promptly refund {$500.00} USD to the buyer 's account as a security measure for the additional payment sent to enhance the security of your account. 

To facilitate this process, please follow the urgent final steps and instructions outlined below : 1. Ensure that you have your Zelle app ready. 
2. Request the necessary Zelle details from the buyer.

3. Transfer the total amount of {$500.00} USD to the provided Zelle account details.

4. Include " ZELLE REFUND '' as the memo when making the transfer, to ensure the safety of the refund amount without deduction from your account.

5. For the complete credit of {$530.00} USD to your account, kindly provide clear proof ( screenshot or picture ) demonstrating the successful transfer of funds to the provided information. 

IMPORTANT NOTE : Please be aware that for security reasons, the payment transactions of {$35.00} USD and the additional {$500.00} USD will not reflect on your Zelle account or bank account balance until the refund has been issued to the recipient. It is imperative that you adhere to these steps and instructions to prevent the flagging and immediate suspension of both your account and the buyer 's account for fraudulent activities. 

We would like to express our gratitude for choosing Zelle, and we assure you that we are committed to further enhancing our services for our esteemed customers.

Company response to consumer: Closed with explanation