Consumer complaint received 2025-08-08 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: WI

Complaint narrative:
I received a call from a XXXX XXXX  impersonator on XX/XX/year>. The caller id showed XXXX and the phone number associated with the caller ID was a legitimate XXXX XXXX  number ( XXXX ). The person who called identified himself as being from the XXXX XXXX XXXX. I was then asked by this person if I had approved {$2000.00} and {$3000.00} transactions to a XXXX XXXX XXXX. I told him that I did not and he said they were locking my account from any further transactions but that he also needed to transfer me to someone at Zelle who could reverse the fraudulent transactions. I was then transferred to another person who walked me through several steps of how to reverse the charges. This included first sending {$2000.00} to a XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) through the Zelle XXXX accessible through my XXXX account. I was assured the transaction would not go through and he told me that I would get a notification indicating that the payment was under review, which I did. I did indeed receive a Zelle message that said the payment requires additional review and that they would contact me if they needed more info. I have a screenshot of this message. Plus at that time I saw that there was a PENDING debit of {$2000.00} on my Chase account when I looked so it all seemed legit. The imposters were very good at building up trust with me. The imposter then proceeded to ask me to transfer more money and asked me if I also had XXXX or XXXX accounts. At that time we started getting suspicious and my husband ( who was with me at the time and listening to the call ) called the XXXX XXXX  number on the back of our card. The person told him that this was likely a fraudulent call that I was on. We put the XXXX person on speaker so he could listen to the call and when I told the imposter that my husband was on a call with the XXXX XXXX XXXX, the imposter hung up. I told the real XXXX person to block the money transfer immediately. He told me that they would refer my call to their claims department but that the money transfer had gone through even though it was showing as XXXX on my account ( it actually showed as 'pending ' for another XXXX hours! ). I don't know how XXXX could not have blocked this transaction while I was on the phone with XXXX immediately while I was still talking to the scammer. I feel as if they did not act with a sense of urgency. I also contacted Zelle who told me that I didn't need to file a claim with them since I had already filed it with my bank. No one ever contacted me from Zelle or XXXX to question this fraudulent transaction while it was occurring even though the message I received from them when the transaction was placed indicated that it was " under review ''. They just let it go through. The scammer also called me back from a different number ( XXXX ). He again identified himself as the XXXX fraud representative that I was previously speaking with. I asked him what he wanted and he hung up. The real XXXX person was listening to this call on my husband 's phone and heard him once again falsely identify himself as a XXXX employee. Since the incident, no one from XXXX or Zelle ever reached out for any additional information or screenshots that I told them I had. I received notification from XXXX today ( XXXX ) that my claim was closed. I called XXXX and they told me that they were unable to recover my money. I called Zelle and they were not helpful and just kept passing me back to XXXX who said that it was in XXXX XXXX hands to continue any investigation and that they can only notify Zelle and that Zelle would be the one to continue any further attempt of getting my money back. When I was on the phone, I referenced that their website indicates that certain scams ( like bank imposter scams ) may qualify for reimbursement and why did my case not qualify? I didn't really get any answer, just kept getting told that I " authorized '' the charge and should never send money to people I don't trust.

Company response to consumer: Closed with explanation