Consumer complaint received 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I answered a call that said XXXX XXXX. It was a lady that said several charges were made on my account and they believed it was fraud. She listed the charges. She asked if I have been on public XXXX. Ironically, I was currently because I was doing a work event in XXXX XXXX. This made me think I had been hacked and I didn't think in the beginning to go on my XXXX XXXX bank account to actually check. I couldn't get service in the building and so I stepped outside to try to take this call. She then transferred me to another person who said his name- XXXX XXXX and his ID was XXXX. He was in the fraud department and would help me get this straightened out. He listed XXXX Zelle transactions, the amount for each and a cancellation number. He had me write them down. {$1900.00} and the cancellation number was XXXX. {$2900.00} and the cancellation number was XXXX. {$1900.00} and the cancellation number was XXXX. Then he said there were XXXX XXXX XXXX transactions. {$2000.00} and the cancellation number was XXXX. And {$3900.00} and the cancellation number was XXXX. He then said I needed to inform Zelle, using the system he was going to walk me through, that I had fraudulent transactions. He had me input a number with a name that was supposed to be the XXXX XXXX of the fraud department of Zelle. The name was XXXX XXXX. The number was XXXX. Then he walked me to select that name/number and then enter the " cancellation code ''. When I input the code, I realized it was a money amount and I said I don't feel right about this. He just kept saying, Hang with me, maam. This is how they know the transactions are fraudulent. You can't hang up or we will lose all the work we did to make this right. I've worked for this company for XXXX  years. I entered XXXX " cancellation codes '' and sent them. XXXX was {$1400.00} and XXXX {$1900.00}. He tried to do something with XXXX XXXX but to my understanding, XXXX XXXX rejected it. Then he said there was a XXXX laptop that was charged on my account and to clear that, I needed to go to the nearest XXXX with my ID. The whole time I felt this was all wrong but at the same time wasn't thinking clearly because I was XXXX there was fraud on my account. When he said about the ID, I knew I had done the wrong thing and this was all wrong. I never received texts or emails from my bank about those charges they claimed and that should have alerted me to know but when you are under anxiety and a smooth talking person is convincing you he is there to help, you just can't put XXXX and XXXX together. He kept saying we are about XXXX % all the way done and then he can reset my account and my money will be back in my account. When I would not comply with the ID, he said to call him back at XXXX XXXX XXXX  I immediately got off the phone and called the real XXXX XXXX and reported it. I never would have even answered that call but it said XXXX XXXX. 
XXXX XXXX told me today when I called them XXXX XXXXXX/XX/XXXX that they contacted Zelle but neither them or Zelle would do anything to right the situation. Basically, it's a lost cause. Gone. 
My husband went and filed a formal complaint with XXXX XXXX. I filed a consumer report to the federal trade commission. I will be filing a police report. We will also be calling Zelle directly.

Company response to consumer: Closed with explanation