Credit Management Archive

A forum for anonymous discussion of credit, debt, and finance. No registration, no frills, just good advice.

Early Warning

Early Warning

Discussion open, post a reply
Posted in chexsystems on Jan 23, 11 at 8:20PM
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
Does writing that help? Have you had results with this letter? Thanks..
 
---
 
The person that sent this in was removed by EWS yes.
 
---
 
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 :-(
 
---
 
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
 
---
 
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
 
---
 
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...
 
---
 
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!
 
---
 
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?
 
---
 
They have only been sued 3 times ORDER. Defendant Early Warning's Motion to Dismiss Amended Complaint 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. ยง 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)
 
---
 
What about under their former name Primary Payment Systems?
 
---
 
hmmmm, so basically they won? They need to somebody to REALLY take them to the cleaners! :-)
 
---
 
Let me check MCA
 
---
 
Nope never sued, well sued by the same guy I posted above. However he listed EWS as FKA PPS
 
---
 
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
 
---
 
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.
 
---
 
ty so much for checking Linx
 
---
 
Anytime!
reply to post
Your reponse:

Your email (optional, if you want to receive notifications of replies):

 

Search