Consumer complaint received 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Early Warning Services, LLCAttn : Zelle Network Dispute DepartmentXXXX N. XXXXXXXX XXXX XXXX XXXX, AZ XXXX Subject : Request for Review and Removal of Adverse Report False Unauthorized Zelle Claim Dear Early Warning Services Dispute Department, I am writing to formally resubmit my complaint, as instructed by a representative I spoke with today XXXX at XXXX :, regarding a Zelle transaction in the amount of {$100.00} that was sent to me on XX/XX/year>. This transaction was made knowingly and willingly by the sender, yet was later maliciously and falsely reported as unauthorized, constituting an abuse of the Zelle dispute system. 
This false report has caused serious negative impacts across multiple financial institutions connected to my name and accounts, including : * XXXX XXXX XXXX XXXX ( Account XXXX. XXXX ) * XXXX XXXXXXXX XXXX XXXX XXXX XXXX  As a result of this false claim, I have faced unwarranted account restrictions and reputation damage within the Early Warning database, despite having no involvement in any wrongdoing. 

XXXX. Zelles Terms & Conditions Sender Responsibility and Finality of Transfers Under the Zelle Network User Service Agreement ( available at zellepay.com/legal/user-service-agreement ), Zelle explicitly informs users that : Once you authorize a payment to be sent, you may not be able to cancel it if the recipient is already enrolled with Zelle.You are solely responsible for ensuring the accuracy of the information you enter for each transaction, including the recipients name, U.S. mobile phone number, or email address. 
Furthermore, Zelles terms emphasize that : Zelle is intended to be used with people you know and trust. Neither Zelle nor the participating financial institutions will be liable for losses arising from your use of the service with individuals you do not know or trust. 
This means that once the sender confirmed and authorized the payment, Zelle processed the transaction immediately and irrevocably, relying on the senders own authentication and confirmation. 
The system requires multiple confirmation steps before a payment is sent, including : * Verifying the recipients name, phone, or email; * Reviewing a final confirmation screen showing the recipients details and amount; * Acknowledging the disclaimer that Zelle payments are final once sent to enrolled users. 
Therefore, the sender can not later report the transaction as unauthorized merely because they regret sending it or wish to reclaim the funds. Doing so constitutes a false and fraudulent use of the Zelle dispute process. 

XXXX. Legal Framework and Consumer Protection Standards Under the Electronic Fund Transfer Act ( XXXX ), XXXX XXXX. XXXX et seq., and Regulation XXXX ( XXXX CFR Part XXXX ), financial institutions are required to investigate and resolve unauthorized electronic fund transfers. However, an unauthorized transfer is defined narrowly as : An electronic fund transfer from a consumers account initiated by a person other than the consumer without actual authority to initiate such transfer and from which the consumer receives no benefit. 12 CFR 1005.2 ( m ) In this case : * The sender personally authorized, confirmed, and executed the transfer; * The sender benefited from the system functioning exactly as designed ; * Therefore, the transfer does not meet the definition of unauthorized under the law.

Consequently, any claim of unauthorized made by the sender is invalid under Regulation E, and I, as the recipient, can not be held liable for their false claim.

Additionally, under 15 U.S.C. 1681s-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), no entityincluding Early Warning Servicesmay furnish negative or false information to consumer reporting systems without proper verification. If an institution reports a consumer as fraudulent without evidence, that constitutes an inaccurate and unlawful furnishing of information.

3. Request for Correction and Investigation Given the facts and applicable law, I respectfully request that Early Warning Services : 1. Conduct a thorough and fair investigation into the senders false report and identify any misuse of the Zelle dispute system.

2. Remove any and all negative information, risk indicators, or fraud-related remarks associated with my name, social security number, or Zelle profiles .

3. Confirm in writing that my Early Warning ( EWS ) and Zelle network reports are clear of any negative or adverse entries resulting from this false claim.

4. Acknowledge that I bear zero liability in this matter and that the reversal or blocking actions were based solely on an unsubstantiated claim by the sender.

5. Ensure that no linked financial institution ( XXXX XXXX, XXXX XXXX, or XXXX Bank XXXX maintains any internal fraud flag or restriction connected to this incident. 

XXXX. Supporting Information * Transaction : Zelle transfer of {$100.00} on XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Account No. XXXX ) * Other affected accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dispute reference : False claim of unauthorized transaction by sender I am including copies of correspondence from XXXX XXXX XXXX XXXX regarding the debit, along with any supporting screenshots and Zelle transaction confirmations showing that the sender knowingly sent the payment. 

XXXX. Conclusion I have been unjustly impacted by another individuals abuse of the Zelle system and by the subsequent reporting that spread across all my financial relationships. By law and under Zelles own Terms of Service, I can not be held liable for a legitimate and properly authorized transaction initiated by another person.

Please confirm receipt of this letter and provide written acknowledgment once your investigation and corrections are complete. I expect written confirmation that my Early Warning Services record is clear of any negative or fraudulent notations.

Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation