Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On the dates of XX/XX/2021 XXXX  XXXX XXXX received a transfer from XXXX XXXX in the amount of XXXX transactions of XXXX $ each. XXXX XXXX sent XXXX transactions from a prepaid card he had chosen to load and sent cash advance transactions from another bank branch to my XXXX  XXXX XXXX account on behalf of my families client XXXX XXXX. I had opened the account on the month of XXXX, XXXX  with the understanding by bank associates there I would be receiving large cash transfers from brokers and other associates clientele. I presented a company board letter approved and noted by the XXXX family who owns about XXXX XXXX of XXXX and also produced text messages showing I speak with the XXXX family on a regular basis for business purposes. At the time I worked for a XXXX XXXX XXXX XXXX. XXXX XXXX is the daughter of XXXX of the majority shareholders of XXXX and also works directly for the owners and shareholders of the company XXXX XXXX. I work directly for the family that owns the company as I explained to banker XXXX XXXX when opening the account that my main source of income is this employer. I also work for another job as well. I spoke indpeth with XXXX  XXXX XXXX staff explaining to them I would be receiving this large cash deposits into the account from brokers and celebrity clients alike. XXXX XXXX also stated to me that the contract has no such ACH or other transfer limitations ( XXXX XXXX XXXX  XXXX XXXX contract states that they only allow certain kinds of transfers " they do not allow private ACH '' ) this is clear and present verbal self breach of company contract, banker error, and false advertisement. XXXX XXXX verbally falsely advertised to me plus lied to me before signing the account contract that XXXX  XXXX XXXX allows personal ACH transfers. Even though these transfers are allegedly identified as third party transfers. XXXX XXXX also stated that XXXX  XXXX XXXX policies allow these types of transactions as well, ( even though XXXX  XXXX XXXX does not allow third party transfers ). I also produced text messages on camera visually to the bankers who manage those XXXX  XXXX XXXX accounts there proving express consent and contact with the XXXX family who had knowledge of my employment with them. I also produced the company board letter I had made from XXXX XXXX plus other shareholder family of theirs and authorized by their family noting I was their personal asset handler and financial assistant ( not a regular XXXX employee ). The bank had prior notice I would be receiving large cash transfers to this account in the form of personal XXXX transfers or other transfer methods in the form of client transfers from the XXXX  families clients. Once the almost XXXX $ transfer in XXXX payments was sent from XXXX XXXX XXXX  XXXX XXXX removed my login access and restricted my accounts, they then informed me on the customer service line there would be an account closure for ( third party ACH account transfers ). XXXX  XXXX XXXX took XXXX $ in cash remaining from my account and informed me the closure was due to third party transfers the bank does not allow. They also used this listing to steal over XXXX in client funds from XXXX XXXX who was XXXX XXXX client at the time. They then falsely listed me as fraud in my closure to the consumer system XXXX XXXX, and the consumer system early warning services. The listing saying my account was closed for fraud was a complete lie, ( ( in all honestly my account was closed for " '' ( ( excessive transfers ) ) '' '' " ( ( third party transfers ) ) '' or " '' ( ( closed for cause ) ) '' '' as XXXX  XXXX XXXX had no evidence of any kind of attempted fraud and I had no knowledge that any of these funds were or not fraudulent as well and should have been listed for those means meaning in a manner inconsistent with banking policy. XXXX XXXX XXXX had no evidence of any kind of fraud and admitted to such on a recorded line they did not have evidence XXXX XXXX or me committed any kind of fraudulent activity. They did however have evidence of " '' ( ( excessive transfers ) ) '' '' " '' ( ( account use violated their policies ) ) '' '' or proof of " '' ( ( third party transfers that violate XXXX  XXXX XXXX policy ) ) '' or that I " '' ( ( did not use the account in a manner consistent with banking policy ) ) ''. A fair resolution to the consumer listing would be to update me honestly in the consumer database as my account was " ( ( closed for cause ) ) '' or " ( ( excessive private unauthorized ACH transfers ) ) '' as that would be the honest reason why XXXX  XXXX XXXX closed my account as accusing me of fraud is a flat out lie and the listing is keeping of fraudulent or dishonest business records as XXXX  XXXX XXXX had no such evidence that I intentionally used this account to commit fraud or that any of the transfers were fraudulent in any way whatsoever. The entire scenario would not have happened and was clearly bank error as the banker ( ( XXXX XXXX ) ) on XXXX XXXX lied to me and bank staff telling me that the bank accepts private XXXX transfers plus large cash deposits or transactions. ( ( This means that the entire reason the situation occurred is because of XXXX  XXXX XXXX staff negligence not being educated or truthful about XXXX  XXXX XXXX policies and transfer expectations ) ). Verbally telling me these kinds of transfers are accepted is clear and present " false advertisement ''. ( ( XXXX me dishonestly as fraud is the upkeep of fraudulent and XXXX XXXX XXXX XXXX committed by XXXX  XXXX XXXX when the real reasoning is due to staff negligence or dishonesty regarding their policies or expectations son account usage ) ). ( ( XXXX  XXXX XXXX did not have accurate and sufficient enough evidence to list me as fraud in the consumer database ) ) and XXXX  XXXX XXXX had been given plenty of evidence that I had express consent of XXXX XXXX to transact this money into my account to then send to the XXXX family through other financial service means and that this money was broker client money for some kind of agreement between the sender and the XXXX family. If the transactions were potentially fraudulent I had no knowledge of this information whatsoever. I was promised under the understanding by XXXX XXXX that this money would be lawfully transferred client money. The bank had full and well knowledge that at the time I worked for the XXXX family as a private financial assistant of theirs. They also knew full and well ahead of time I would be receiving large cash transactions from clients of theirs. This transfer was to be expected and XXXX  XXXX XXXX had no reason to assume this money was neither unlawful or fraudulent and did not have enough evidence to assume so. The resolution to this scenario would be to relist me in the consumer database as my account closure was " ( ( closed for cause ) ) '' or list me as " ( ( excessive transfers ) ) '' being the reason my account was closed as XXXX  XXXX XXXX had no evidence of any form of fraud committed by me or my employers client. The reason my account was closed was because I did not follow XXXX  XXXX XXXX policies on third party transfers. The consumer listing should be updated so that it tells people the account was not closed for fraud and really closed for violating XXXX  XXXX XXXX transfer policies instead as that would be an accurate listing. The resolution desired is that XXXX  XXXX XXXX list me honestly as either " ( ( closed for cause ) ) '' or " ( ( excessive account transfers ) ) ''. If this is not fixed me and the brokers will be suing XXXX  XXXX XXXX for ( ( upkeep of fraudulent business records ) ) ( ( slander/defamation ) ) ( ( verbal false advertisement ) ) ( ( loss due to bank error ) ) ( ( deceptive business practices ) ) ( ( verbal breach of contract ) ). ( ( Unprofessional conduct ) ) and finally ( ( the upkeep of bad or dishonest business practices ) ).

Company response to consumer: Closed with explanation