Consumer complaint received 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Against Zelle for Unfair Account Termination and Lack of Due Process Dear Consumer Financial Protection Bureau Representative, I am submitting this formal complaint regarding unfair and arbitrary actions taken by Zelle ( Early Warning Services , LLC ) that have resulted in the suspension of my account and the blocking of my associated phone number, without any due process or opportunity to dispute the allegations made against me. 

I am a verified Zelle user who has used the platform responsibly to conduct legitimate business transactions. Recently, I sold a product to a customer who later filed a false and unfounded complaint alleging that they did not receive the merchandise. Rather than allowing me to respond to the complaint, provide proof of shipment, or resolve the issue directly with the buyer, Zelle immediately suspended my account and permanently banned my phone number from their platform. 

This unilateral action was taken without any notice, investigation, or opportunity to present evidence in my defense. I was not provided any meaningful explanation or recourse to appeal their decision. As a result, I am now unable to send or receive money using Zelle, and my access to the service has been completely revoked. 

XXXX actions have caused me significant harm, including disruption of my business operations, loss of income, and damage to my reputation as a trustworthy seller. More importantly, this situation raises serious concerns about XXXX compliance with fair business practices and due process requirements. A financial service provider should not have the power to penalize users based solely on one-sided claims without verifying the facts or offering an opportunity for resolution. 

I am therefore requesting that the Consumer Financial Protection Bureau investigate this matter and require Zelle XXXX Early Warning Services , LLC ) to : Provide a clear explanation of the reason for my account termination and the evidence upon which their decision was based ; Restore access to my Zelle account and unblock my phone number ; or, alternatively, Provide a formal appeals or dispute resolution process that allows me to address the underlying complaint in a fair and transparent manner. 

I believe that XXXX handling of this matter constitutes an unfair and deceptive business practice and violates the principles of consumer protection and due process. I request that the CFPB ensure that Zelle reviews its complaint-handling procedures and establishes fair mechanisms for users to respond to and resolve disputes before punitive actions such as bans or account closures are imposed. 

Thank you for your attention to this matter. I am available to provide any supporting documents, communications, or transaction records related to this incident upon request.

Company response to consumer: Closed with explanation