Giving them a low rating and blaming them for your...

Giving them a low rating and blaming them for your banks woes (or even Zelle woes) is pointless, because your bank most likely owns, submits and attains data from Early Warning. What most people don't realize is Early Warning is just a Clearing house of ALL your personal transactions, that all the Banks share and fund. Think of it as EW is just the cloud for the banks, the clearing house of all your information. When you go to open an account they (whatever bank) queries Early Warning for your information and then it's up to the bank you're applying for to make a decision. If someone is having a bad day and there's any interesting info on you.. there's a chance you may not be worth the risk that day to that bank. Though Early Warning is a company on it's own right, it's owned and positioned by ALL the major banks. So all that to say obviously by the reviews Early Warning is playing one of it's main roles for the banks.. scapegoat. Don't blame them.. blame the bank that either submitted incorrect information, or declined you based on the information they attained.