Credit bureau · complaint record
Early Warning Services complaints Zelle
Filed under Early Warning Services, LLC
Consumers have filed 37,725 complaints about Early Warning Services since 2013, 5,912 of them in the last 12 months (-76% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical credit bureau. The most common problem is incorrect information on your report. It is the 10th most complained-about of 566 credit bureaus & report companies this year.
Average response record. How it works
- Complaints on record
- 37,725
- Last 12 months
- 5,912
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 264
- Rank
- #10 of 566
Since April 2013
-76% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Nov 6, 2026
Most complained-about credit bureaus & report companies
Early Warning Services complaints by month
The busiest month was January 2025 (17,146 complaints). Complaints in the last 12 months are down 76% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Early Warning Services answered last 12 months
- Closed with explanation5,912100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend15/15-76% vs last year
What Early Warning Services complaints are about
Top Early Warning Services problems last 12 months
Inside "Incorrect information on your report"
- Information belongs to someone else 5,628
- Personal information incorrect 630
- Account information incorrect 524
- Account status incorrect 267
- Information is incorrect 227
- Old information reappears or never goes away 108
Where Early Warning Services complaints come from
Most complaints: California (4,565), Texas (4,435), Florida (4,417), Illinois (4,119), New York (3,219).
Early Warning Services compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | AffirmCredit reporting | 48 | 8,431 | D |
| 2 | FIS (Fidelity National Information Services)Credit reporting | 51 | 7,698 | C |
| 3 | TD BankCredit reporting | 68 | 6,183 | B |
| 4 | Ally FinancialCredit reporting | 59 | 6,013 | C |
| 5 | Early Warning Services (Zelle)Credit reporting | 60 | 5,912 | C |
| 6 | Self FinancialCredit reporting | 49 | 4,913 | D |
| 7 | OneMain FinancialCredit reporting | 57 | 3,861 | C |
| 8 | KikoffCredit reporting | 50 | 3,534 | C |
Compare side by side: Early Warning Services vs Affirm · Early Warning Services vs FIS · Early Warning Services vs TD Bank · Early Warning Services vs Ally Financial
What people say about Early Warning Services
All experiencesNo experiences with Early Warning Services yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Early Warning Services complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 6, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Nov 3, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Nov 3, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Nov 3, 2026 | Credit reporting | Incorrect information on your reportPersonal information incorrect | Explained |
| Nov 3, 2026 | Credit reporting | Incorrect information on your reportPersonal information incorrect | Explained |
| Nov 3, 2026 | Bank accounts | Opening an accountUnable to open an account | Explained |
| Nov 3, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Nov 3, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Nov 2, 2026 | Credit reporting | Problem with a company's investigation into an existing problemInvestigation took more than 30 days | Explained |
| Nov 2, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Nov 2, 2026 | Credit reporting | Incorrect information on your reportPersonal information incorrect | Explained |
| Nov 2, 2026 | Credit reporting | Incorrect information on your reportPersonal information incorrect | Explained |
Questions about Early Warning Services
How many complaints does Early Warning Services have?
Early Warning Services has 37,725 complaints on record since April 2013, including 5,912 in the last 12 months and 264 in the last 30 days. That makes it number 36 of every company by complaints this year.
Does Early Warning Services respond to complaints?
Yes. Early Warning Services answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 60/100 (grade C).
What do people complain about most with Early Warning Services?
The most common problems are incorrect information on your report (7,546), improper use of your report (2,610), opening an account (1,415).
Is Early Warning Services legit?
Early Warning Services is a real company with a public complaint record: consumers have complained about it 37,725 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Early Warning Services legit? for the signals, red flags and how to protect yourself.
Are complaints about Early Warning Services going up or down?
Down. There were 5,912 complaints in the last 12 months against 24,230 in the 12 before (-76%). See every month.
How do I file a complaint against Early Warning Services?
Complain to Early Warning Services in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Early Warning Services complaints come from?
Most come from California (4,565), Texas (4,435), Florida (4,417). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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