Skip to main content

Cookies on BBB.org

We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Cookie Preferences

Many websites use cookies or similar tools to store information on your browser or device. We use cookies on BBB websites to remember your preferences, improve website performance and enhance user experience, and to recommend content we believe will be most relevant to you. Most cookies collect anonymous information such as how users arrive at and use the website. Some cookies are necessary to allow the website to function properly, but you may choose to not allow other types of cookies below.

Necessary Cookies

What are necessary cookies?
These cookies are necessary for the site to function and cannot be switched off in our systems. They are usually only set in response to actions made by you that amount to a request for services, such as setting your privacy preferences, logging in or filling in forms. You can set your browser to block or alert you about these cookies, but some parts of the site will not work. These cookies do not store any personally identifiable information.

Necessary cookies must always be enabled.

Functional Cookies

What are functional cookies?
These cookies enable the site to provide enhanced functionality and personalization. They may be set by us or by third party providers whose services we have added to our pages. If you do not allow these cookies, some or all of these services may not function properly.

Performance Cookies

What are performance cookies?
These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site. All information these cookies collect is aggregated and therefore anonymous. If you do not allow these cookies we will not know when you have visited our site, and will not be able to monitor its performance.

Marketing Cookies

What are marketing cookies?
These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant content on other sites. They do not store personal information directly, but are based on uniquely identifying your browser or device. If you do not allow these cookies, you will experience less targeted advertising.

Find a Location

Early Warning has 7 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Country
    Please enter a valid location.
    • Early Warning

      5801 N Pima Rd Scottsdale, AZ 85250-2635

      BBB Accredited Business
    • Clearxchange

      150 N College St Fl 8 Charlotte, NC 28202-2271

    • Early Warning

      8745 W Higgins Rd Ste 240 Chicago, IL 60631-4020

    • Early Warning

      275 Sacramento St San Francisco, CA 94111-3810

    • Early Warning

      447 Battery St Ste 200 San Francisco, CA 94111-3235

    Business ProfileforEarly Warning

    Payment Processing Services
    HeadquartersMulti Location Business
    BBB accredited business
    The Complaints and Reviews shown on this HQ profile may have been submitted against either the HQ itself or one of the corporate-owned locations found under "Find Locations".

    At-a-glance

    Customer Reviews

    1.04/5stars

    Average of 136 Customer Reviews

    Customer Complaints

    584 complaints closed in last 3 years

    180 complaints closed in last 12 months

    BBB Rating & Accreditation

    Accredited Since: 12/5/2008

    Years in Business: 17

    Customer Reviews are not used in the calculation of BBB Rating

    Overview of BBB Rating

    Overview

    This business offers fraud prevention services to the financial services industry.

    Business Details

    This is a multi-location business.

    Find a Location

    Early Warning has 7 locations, listed below.

    *This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

      Country
      Please enter a valid location.
      • Early Warning

        5801 N Pima Rd Scottsdale, AZ 85250-2635

        BBB Accredited Business
      • Clearxchange

        150 N College St Fl 8 Charlotte, NC 28202-2271

      • Early Warning

        8745 W Higgins Rd Ste 240 Chicago, IL 60631-4020

      • Early Warning

        275 Sacramento St San Francisco, CA 94111-3810

      • Early Warning

        447 Battery St Ste 200 San Francisco, CA 94111-3235

      Headquarters
      5801 N Pima Rd, Scottsdale, AZ 85250-2635
      BBB File Opened:
      4/11/2008
      Years in Business:
      17
      Business Started:
      8/21/2006
      Business Started Locally:
      8/21/2006
      Business Incorporated:
      8/21/2006
      Accredited Since:
      12/5/2008
      Type of Entity:
      Limited Liability Company (LLC)
      Alternate Business Name
      • Early Warning Services LLC
      • ZellePay
      • Clearxchange
      • Zelle
      Business Management
      • Ms. Christina Reese, Chief Ethics & Compliance Officer and VP, Compliance
      • Ms. Tracy L Cheney, General Counsel
      • Mr. Jose Resendiz, Chief Operating Officer
      • Mrs. Wendy Jacobo, Complaint Handler
      • Ms. Zulema Cruz-Mora, Customer Contact
      • Mrs. Brenda Hernandez, Customer Contact
      • Ms. Katrina Cross, Customer Contact
      • Mr. Julio Lozano, Complaint Handler
      • Mr. Julio Lozano, Complaint Handler
      Contact Information

      Principal

      • Ms. Christina Reese, Chief Ethics & Compliance Officer and VP, Compliance

      Customer Contact

      • Ms. Christina Reese, Chief Ethics & Compliance Officer and VP, Compliance
      • Mr. Jose Resendiz, Chief Operating Officer
      • Mrs. Wendy Jacobo, Complaint Handler
      • Ms. Zulema Cruz-Mora, Customer Contact
      • Ms. Jessica Garcia Olivares, Customer Contact
      • Mrs. Brenda Hernandez, Customer Contact
      • Ms. Katrina Cross, Customer Contact
      • Mr. Julio Lozano, Complaint Handler
      • Mr. Julio Lozano, Complaint Handler
      Additional Contact Information

      Fax Numbers

      • (480) 656-6850
        Primary Fax

      Phone Numbers

      Email Addresses

      Customer Complaints

      584 Customer Complaints

      Need to file a complaint? BBB is here to help. We'll guide you through the process. How BBB Processes Complaints and Reviews

      File a Complaint

      Most Recent Customer Complaint

      03/10/2024

      Complaint Type:
      Order Issues
      Status:
      Answered
      Today I was framed by your company out 0f **** dollars. I was approached online with someone attempting to purchase an item I was selling on Facebook. The person sent me 25 dollars that was pending and I then received an email from *************************** explaining how I get the Money released. I was then asked to send multiple amounts to different accounts and numbers and then finally asked to purchase a *** dollar apple gift cards. I cannot believe you have this rating with all the scamming you do. I contacted the real ZELLE and they informed me that this company and email is impersonating them. I also contacted the FBI to report this fraudulent behavior.
      Read More

      Customer Reviews

      136 Customer Reviews

      What do you think? Share your review.

      How BBB Processes Complaints and Reviews

      Start a Review

      Most Recent Customer Review

      Michael S

      1 star

      04/08/2024

      Zelle has not sent funds held since April 5 2024 at 9:30 am CST. They don't care about customers

      Early Warning Response

      04/10/2024

      April 10, 2024 Dear ***********************************, Thank you for contacting Zelle about your recent experience. This letter is in response to your BBB review, received on April 8, 2024. Here at Zelle, we strive to provide exceptional consumer support. We are disappointed to learn of your experience and of the service you have received in your efforts to resolve this matter. We appreciate you taking the time to tell us about your experience and understand that the situation may be very frustrating. To assist with this matter, we have forwarded your complaint to your bank/credit union for review. We spoke with you on April 10, 2024 and discussed the Zelle Network outage, where your bank confirmed the payment processing was interrupted and payments would be completed promptly. It is important to note that Zelle does not hold or handle any money. Zelle provides messaging between the senders bank or credit union and the recipients bank or credit union to facilitate the payment between the two bank accounts, but Zelle does not initiate or process the payment directly. If you are enrolled with a participating bank or credit union, please contact their online customer support team for assistance. However, if you have enrolled with the Zelle mobile application, please call us for assistance toll-free at ************, seven days a week from 10 AM to 10 PM ET, excluding New Years Day, Independence Day, Thanksgiving, and Christmas Day. From outside *****************, call ************ from 10 AM to 10 PM ET, Monday through Sunday. Sincerely, Zelle Support

      Local BBB

      Better Business Bureau Serving the Pacific Southwest

      BBB Reports On

      BBB reports on known marketplace practices.

      BBB Business Profiles may not be reproduced for sales or promotional purposes.

      BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

      When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

      BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

      As a matter of policy, BBB does not endorse any product, service or business.