Early Warning

[NYfreeWomen]

I just got my report from Early Warning. I have one item in there, can someone explain me what i that??

 

NAME: BANK OF AMERICA

CONTACT NAME: ANTI FRAUD EXCHANGE

Description: "Transaction or attempting to transact, with a check in a fraudulet manner, including but not limited to the passing or depositing of forged, altered closed account, stolen, counterfelt check, or non-negotiable item, the kiting of checks, drawing aginst insufficient or uncollected funds, empty ATM deposit or keying errors".

 

 

I have no idea what they are talking about! How do I remove it????

 

BTW I dont owe any money to BOA

[mca]

I know someone that had the same situation EWS is hard to deal with but I think this may help you

 

(Your name)

Early Warning Services, LLC

8777 E. Hartford Drive, Suite 110

Scottsdale, AZ 85255

Phone 800-325-7775

Fax 480-656-6850

 

Date:

RE: Consumer ID #

 

Name of bank and

Early Warning Systems (formerly Primary Payment Systems):

 

I have recently been informed that there is negative information reported by (name of bank) in the file EWS maintains under my Social Security number.

 

I am not just contacting you to evolve in a frivolous dispute for you to validate this claim. I am contacting you because you are in violation of many banking regulations and Federal Credit Reporting Act consumer laws:

 

Name of bank (banking institution)

Sec. 3403. Confidentiality of financial records

 

(a) Release of records by financial institutions prohibited

( Release of records upon certification of compliance with chapter

 

Sec. 3410. Customer challenges (all as such)

Sec. 3412. Use of information (all as such)

 

EWS-participating as consumer reporting agency

[(p) The term “consumer reporting agency that compiles and maintains files on

consumers on a nationwide basis†means a consumer reporting agency that regularly

engages in the practice of assembling or evaluating, and maintaining, for the purpose

of furnishing consumer reports to third parties bearing on a consumer's credit

worthiness, credit standing, or credit capacity, each of the following regarding

consumers residing nationwide:]

 

§ 602. Congressional findings and statement of purpose [15 U.S.C. § 1681]

Consumer reporting agencies must correct or delete inaccurate, incomplete, or

unverifiable information. Inaccurate, incomplete or unverifiable information must be

removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

A credit report includes information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy.

 

 

 

My report from EWS reads as such:

Your name

address

phone number

date

$-no amount showing or what your report states

Transacting or attempting to transact, with a check in a fraudulent

manner, including but not limited to the passing or depositing of

forged, altered, closed account, stolen, counterfeit check, or

non-negotiable item; the kiting of checks, drawing against insufficient

or uncollected funds, empty envelope ATM deposits, or keying errors.

 

For you to state such horrific, detrimental and most importantly false information on an individual means that you (name of bank) took such evidence and said copies of such activity(s) and sent them to my state attorney’s office to have me arrested and prosecuted. I don’t know what the correlation of you (name of bank) which may exist, but to use me as an example to gain more customers or to prevent them from receiving a good law abiding customer(s) is very unethical and against the law.

 

What mostly disturbs me is that when this account was submitted to my attorney for a debt with my Chapter 7 bankruptcy in January of this year, you (name of bank) replied with “no such debt found for social security numberâ€. Please provide copies that I need to turn over to my attorney in order to have this matter resolved. In the absence of any such documentation bearing my signature, ssn, address or likeness thereof, I ask that this information be immediately deleted from the file you maintain under my Social Security number. I also request that upon deletion that EWS forwards this information to (name of bank) on my behalf.

 

My contact information is as follows:

 

Name

Social Secority #

address

[Alison G]

I know someone that had the same situation EWS is hard to deal with but I think this may help you

 

(Your name)

Early Warning Services, LLC

8777 E. Hartford Drive, Suite 110

Scottsdale, AZ 85255

Phone 800-325-7775

Fax 480-656-6850

 

Date:

RE: Consumer ID #

 

Name of bank and

Early Warning Systems (formerly Primary Payment Systems):

 

I have recently been informed that there is negative information reported by (name of bank) in the file EWS maintains under my Social Security number.

 

I am not just contacting you to evolve in a frivolous dispute for you to validate this claim. I am contacting you because you are in violation of many banking regulations and Federal Credit Reporting Act consumer laws:

 

Name of bank (banking institution)

Sec. 3403. Confidentiality of financial records

 

(a) Release of records by financial institutions prohibited

( Release of records upon certification of compliance with chapter

 

Sec. 3410. Customer challenges (all as such)

Sec. 3412. Use of information (all as such)

 

EWS-participating as consumer reporting agency

[(p) The term “consumer reporting agency that compiles and maintains files on

consumers on a nationwide basis†means a consumer reporting agency that regularly

engages in the practice of assembling or evaluating, and maintaining, for the purpose

of furnishing consumer reports to third parties bearing on a consumer's credit

worthiness, credit standing, or credit capacity, each of the following regarding

consumers residing nationwide:]

 

§ 602. Congressional findings and statement of purpose [15 U.S.C. § 1681]

Consumer reporting agencies must correct or delete inaccurate, incomplete, or

unverifiable information. Inaccurate, incomplete or unverifiable information must be

removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

A credit report includes information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy.

 

 

 

My report from EWS reads as such:

Your name

address

phone number

date

$-no amount showing or what your report states

Transacting or attempting to transact, with a check in a fraudulent

manner, including but not limited to the passing or depositing of

forged, altered, closed account, stolen, counterfeit check, or

non-negotiable item; the kiting of checks, drawing against insufficient

or uncollected funds, empty envelope ATM deposits, or keying errors.

 

For you to state such horrific, detrimental and most importantly false information on an individual means that you (name of bank) took such evidence and said copies of such activity(s) and sent them to my state attorney’s office to have me arrested and prosecuted. I don’t know what the correlation of you (name of bank) which may exist, but to use me as an example to gain more customers or to prevent them from receiving a good law abiding customer(s) is very unethical and against the law.

 

What mostly disturbs me is that when this account was submitted to my attorney for a debt with my Chapter 7 bankruptcy in January of this year, you (name of bank) replied with “no such debt found for social security numberâ€. Please provide copies that I need to turn over to my attorney in order to have this matter resolved. In the absence of any such documentation bearing my signature, ssn, address or likeness thereof, I ask that this information be immediately deleted from the file you maintain under my Social Security number. I also request that upon deletion that EWS forwards this information to (name of bank) on my behalf.

 

My contact information is as follows:

 

Name

Social Secority #

address

 

Does writing that help? Have you had results with this letter?

Thanks..

[mca]

The person that sent this in was removed by EWS yes.

[NYfreeWomen]

I know someone that had the same situation EWS is hard to deal with but I think this may help you

 

(Your name)

Early Warning Services, LLC

8777 E. Hartford Drive, Suite 110

Scottsdale, AZ 85255

Phone 800-325-7775

Fax 480-656-6850

 

Date:

RE: Consumer ID #

 

Name of bank and

Early Warning Systems (formerly Primary Payment Systems):

 

I have recently been informed that there is negative information reported by (name of bank) in the file EWS maintains under my Social Security number.

 

I am not just contacting you to evolve in a frivolous dispute for you to validate this claim. I am contacting you because you are in violation of many banking regulations and Federal Credit Reporting Act consumer laws:

 

Name of bank (banking institution)

Sec. 3403. Confidentiality of financial records

 

(a) Release of records by financial institutions prohibited

( Release of records upon certification of compliance with chapter

 

Sec. 3410. Customer challenges (all as such)

Sec. 3412. Use of information (all as such)

 

EWS-participating as consumer reporting agency

[(p) The term “consumer reporting agency that compiles and maintains files on

consumers on a nationwide basis†means a consumer reporting agency that regularly

engages in the practice of assembling or evaluating, and maintaining, for the purpose

of furnishing consumer reports to third parties bearing on a consumer's credit

worthiness, credit standing, or credit capacity, each of the following regarding

consumers residing nationwide:]

 

§ 602. Congressional findings and statement of purpose [15 U.S.C. § 1681]

Consumer reporting agencies must correct or delete inaccurate, incomplete, or

unverifiable information. Inaccurate, incomplete or unverifiable information must be

removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

A credit report includes information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy.

 

 

 

My report from EWS reads as such:

Your name

address

phone number

date

$-no amount showing or what your report states

Transacting or attempting to transact, with a check in a fraudulent

manner, including but not limited to the passing or depositing of

forged, altered, closed account, stolen, counterfeit check, or

non-negotiable item; the kiting of checks, drawing against insufficient

or uncollected funds, empty envelope ATM deposits, or keying errors.

 

For you to state such horrific, detrimental and most importantly false information on an individual means that you (name of bank) took such evidence and said copies of such activity(s) and sent them to my state attorney’s office to have me arrested and prosecuted. I don’t know what the correlation of you (name of bank) which may exist, but to use me as an example to gain more customers or to prevent them from receiving a good law abiding customer(s) is very unethical and against the law.

 

What mostly disturbs me is that when this account was submitted to my attorney for a debt with my Chapter 7 bankruptcy in January of this year, you (name of bank) replied with “no such debt found for social security numberâ€. Please provide copies that I need to turn over to my attorney in order to have this matter resolved. In the absence of any such documentation bearing my signature, ssn, address or likeness thereof, I ask that this information be immediately deleted from the file you maintain under my Social Security number. I also request that upon deletion that EWS forwards this information to (name of bank) on my behalf.

 

My contact information is as follows:

 

Name

Social Secority #

address

 

 

This is the letter I've got back from them:

"After reviewing our records, we have verified that some of the information that you provided to Customer Inquiry was reported to us by another financial institution as inappropiately used, and that the information reported to us resulted in a financial loss to , or other potential loss with respect to, the reporting financial institution."

We are enclosing a copy of the information in our records that was reported to us..."

 

 

So they sent me the same letter!Company name: Bank of America. Contact Name: Anti Fraud Exchange.

 

Im so lost with their respond :-(

[Herloss]

MCA - I'm not up to speed on EWS. Can you fill me in on them? BOA closed my accounts back in 02/09 and I was notified when I went to make a withdrawl. I'm hell bent on BOA now. They didn't like how I deposited a check from my Fidelity account into BOA and said it was a "risk" and therefore they are closing. I'm now wondering who they all reported WHAT to..... I'm seriously looking into just closing all my checking accounts as they make me nervous with the banks being like they are. Thanks Mary.

 

HL

[mca]

HI HL, yes EWS is a nightmare. They think that they are above the law in most cases. There is a good chance that BOA would also have reported you to EWS, not just chexsystems. Early Warning Services is a limited liability company owned by Bank of America, BB&T Corporation, JPMorgan Chase, Wachovia, and Wells Fargo. I believe some of them are using EWS and no longer using chexsystems

 

Those wishing to obtain consumer report information should contact their Consumer Call Center at 800-325-7775

 

EWS is a credit reporting agency the same as chexsystems. Because of this, you are entitled to see a copy of your report and it is your right to dispute.

 

When you request a report from chexsystems, ews, or telecheck, avoid giving them any information that is not absolutely necessary.

 

For example: if they ask where you work and for the address, phone etc,. I would not give them the number. Tell them you are currently unemployed.

 

If they ask for current checking account information. Simply say you have none. Do not volunteer any information and only provide the information that is necessary

[Herloss]

I'm a little outdated from the Chexsystem nightmare and it's counterparts.... So hearing about EWS is no shocker -just makes me so sick. I only have left my Credit Union checking and Tab.... and citing privacy concerns and such, I doubt I'll ever open another. Unless some "new" bank decides to be less of a proctologist. Thanks for the INFO. I'll call EWS tomorrow and see what they may have...

[briankeith77]

It's really disturbing how EWS operates. When I faxed them their request form last year, they called me the next day questioning where I got the form because they had no record of any contact with me. Then they sent my report and I found out that I had one record with them. When I wrote a dispute letter it came back as verified (no documentation or anything). I called them up to speak with them and inform them they are in violation of the FCRA since they are a consumer reporting agency, they informed me that they are NOT a Consumer/Credit agency and not bound by the FCRA. I was furious, and even spoke with a "supervisor" who claimed the same. I have never gotten the item they list on my report removed, even after 2 more request for validations and a complaint with the attorney general. I would really like to know how they get away with this!

[mca]

They are a credit reporting agency and I believe they would now state so if you called. Too many people have complained that they were saying they were not.

 

The term "consumer reporting agency that compiles and maintains files on

consumers on a nationwide basis" means a consumer reporting agency that regularly

engages in the practice of assembling or evaluating, and maintaining, for the purpose

of furnishing consumer reports to third parties bearing on a consumer's credit

worthiness, credit standing, or credit capacity, each of the following regarding

consumers residing nationwide.

 

They are almost impossible to deal with and they do break the law all the time. I guess it will take someone to file a law suit against them for change to happen.

 

Did you send in a dispute for re-investigation?

 

Additionally, please provide the name, address, and telephone number of each person contacted at (Name of Bank) regarding this alleged account. I am formally requesting a copy of any documents provided by (Name of Bank) If (name of bank) does not validate the debt as per FDCPA § 809, it is a violation of the FCRA § 611.

[Linx04]

They have only been sued 3 times

 

ORDER. Defendant Early Warning's Motion to Dismiss Amended Complaint 44 is GRANTED IN PART AND DENIED IN PART as follows: Allmond's complaint is dismissed without prejudice except inasmuch as it states a claim against this defendant for defamation under Florida law and for a violation of the Fair Credit Reporting Act under 15 U.S.C. § 1681i for failure to reinvestigate. Should Allmond wish to file an amended complaint, he shall do so within TEN DAYS of the date of this Order. See Order for details. Signed by Judge Virginia M. Hernandez Covington on 6/16/2008. (WBR) (Entered: 06/16/2008)

[mca]

What about under their former name Primary Payment Systems?

[briankeith77]

hmmmm, so basically they won? They need to somebody to REALLY take them to the cleaners! :-)

 

What about under their former name Primary Payment Systems?

[Linx04]

Let me check MCA

[Linx04]

Nope never sued, well sued by the same guy I posted above. However he listed EWS as FKA PPS

[mca]

wow I have had at least 10 people say they were suing them in just the last year. I guess people don't follow through

[Linx04]

If it is State Court, I did not check that, but I assume EWS would remove to Federal. I checked Pacer, and only brought up what I listed above.

[mca]

ty so much for checking Linx

[Linx04]

Anytime!