Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXXXXXX XXXX Toll Free : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXXXXXX XXXX XXXX  to access the secure consumer portal. 
XXXX XXXX for more information and resources for consumers. 
Consumer ID XXXX for XXXX XXXX XXXX This report was prepared using the identifiers provided by you. Please provide your Consumer ID number along with your name and Social Security number in any future contact with XXXX XXXX XXXX XXXX 
Personal Information This section displays personal information you have provided to XXXX This could include information such as names, date of birth, addresses, phone numbers and email addresses. 
Names : XXXX XXXX ; XXXX XXXX XXXX ; Addresses : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone Numbers : XXXX ; Email Addresses : XXXX Date of Birth : XXXXXX/XX/XXXX Reported Information ChexSystems ' clients, which consist mainly of financial institutions, furnish information on closed checking and savings accounts, referred to as reported information. ChexSystems current practice is to retain reported information for a period of five years. The source is under no obligation to remove accurate information, even if paid, but is obligated to update the report with a paid in full or settled in full status and date when applicable. 
XXXX Source of Information : XXXX, CALIFORNIA ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone Number : XXXX This report is disputed by the consumer ( XXXX ) XXXX report has been verified to be accurate and complete by the reporting institution Reported For : ACCOUNT ABUSE ; Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX NY XXXX Reported SSN/ID : XXXX Drivers License : State : Date of Closure : XX/XX/XXXX RTN/ACCT # : XXXX / XXXX Original Charge Off Amount : {$1200.00} Closure Status : UNPAID Closure Status Date : XX/XX/XXXX Source of Information : XXXX, CALIFORNIA ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone Number : XXXX complete by the reporting institution Reported For : SUSPECTED FRAUD ACTIVITY ; Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX, NY XXXX Reported SSN/ID : XXXX Drivers XXXX : XXXX : This report is disputed by the consumer ( XXXX ) XXXX report has been verified to be accurate and Date of Closure : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX / XXXX Original Charge Off Amount : {$540.00} Closure Status : UNPAID Closure Status Date : XX/XX/XXXX Source of Information : BANK OF XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX This report XXXX XXXX XXXX the consumer ( XXXX ) XXXX report has been verified to be accurate and complete by the reporting institution Reported For : SUSPECTED FRAUD ACTIVITY ; Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX, NY XXXX Date of Closure : XX/XX/XXXX RTN/ACCT # : XXXX / XXXX Reported SSN/ID : XXXX XXXX License XXXX XXXX State : NY XXXX Status : NO MONETARY LOSS Closure Status Date : XX/XX/XXXX Source of Information : XXXX XXXX  ; XXXX XXXX XXXX, XXXX, DE XXXX Phone Number : Telephone Number Not Available XXXX Reported For : NON-SUFFICIENT FUNDS ( NSF ) ACTIVITY ; Reported Name : XXXX XXXX Reported Address XXXX XXXX XXXX XXXX UNIT XXXX XXXX, NY XXXX Reported SSN/ID : XXXX Drivers License : State : Date of Closure : XX/XX/XXXX RTN/ACCT # : XXXX / XXXX Original Charge Off Amount : {$410.00} XXXX Status : XXXX  Closure Status Date : XX/XX/XXXX

Company response to consumer: Closed with explanation