Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Back in XX/XX/2026 going into XXXX, there was a situation that happened to where someone was performing fraud and my account was compromised with XXXX XXXX XXXX XXXX. A family friend, XXXX XXXX, had someone Zelle me so that I could XXXX XXXX him the money due to him not having access to Zelle. After sending XXXX the payments, two to three days later my checking account which had XXXX already in there prior to receiving the Zelle payments, the XXXX was gone. Then, that following morning my checking account was overdrawn- {$3000.00}. After contacting XXXX about this concern, I was informed about that whoever sent the payments via Zelle turned around and reported them as fraudulent payments. I then contacted XXXX informing him what happened and stated that he needs to talk to the person that sent the money or return the money so I can resolve this issue, he insisted thats not his problem and he would not be returning the fraudulent money or my {$1200.00} that was compromised as well. I even threatened him with going to the police and he still did not care. I stated over and over to the branch in XXXX Georgia about the situation and nothing was done about it. They were requesting information that I could not provide. After speaking to XXXX ( assistant manager at the XXXX, Georgia branch ), she stated the main thing that would help me was to file a police report. Also, in her correspondence she stated exactly what happened which was Basically he told the individual that he had Zelle you that he could probably flip funds in her account but when she noticed it wasnt legit she went back and disputed the charges, letting it be known and making it very clear that I had no parts and I was being used! I tired to wait and see if he would ever pay the money back which he continued to refuse and proceeds to block my number. Therefore, I then filed a police report back in XXXX and submitted it. After going through this for 3 months they still proceed to close my account and send information to debt collectors to receive {$3000.00}, which the police report stated EVERYTHING and also submitted an identity theft report, proven messages and receipts and Everything. Yet, this is the result I still get and no one from the branch has called or even emailed or sent out mail after submitting police report. I am NOT responsible for this debt and it needs to be disputed as well as them taking my {$1200.00} that was already was in my account!! Needs to be sent back to me! I gave the imposters name and everything, this individual is even in jail right at this moment for XXXX XXXX XXXXXXXX! I am very upset how this situation was handled! A fair resolution for this issue would be for XXXX XXXX XXXX XXXX to open me a new checking, disputing the debt, and returning my {$1200.00} via check because ZELLE retrieved my funds and was requesting information that I stated over and over that I could not provide! When my funds were compromised, they gave it to the individual that disputed the charges. It is NOT my fault that an adult/young adult WILLINGLY allowed XXXX XXXX to use their banking app and ended up getting scammed. I played no parts only XXXX XXXX the money to him and yet Im still being accused basically because my account has been closed and sent to debt collection! Zelle did not take the proper steps into dealing with a FRAUD situation. XXXX and whoever XXXX XXXX is worked together and she willingly gave bank login info to him to try to flip funds but when she noticed it wasnt legit the funds were disputed and I was the blame, which is what the banker stated is what exactly happened. Therefore I demand the debt to be disputed as well as my {$1300.00} given back to me by Zelle, immediately! I have been without a job since last XXXX and if this matter isnt solved I will Sue Zelle and take this matter to court!

Company response to consumer: Closed with explanation