Early Warning Services, LLC

Bank of America. Abigel Torres sent you money with Zelle® ” Sony Alpha A7 Camera” Date: 09/ 29/2025 From Account: XXXXXXX6071 Amount: $3,400.00 USD Confirmation Code: FNTOPSZ7 CLICK HERE FOR TRACKING Estimated funds availability. This payment has been successfully made into your account but is currently PENDING as it awaits shipment verification. Get the item shipped out then email us the tracking details for verification of your funds into your account instantly. transfers Payment Type Business How to ship your buyer's item(s) and payment assurance. Pick up the item(s) and go to any FedEx or USPS Mail™ to ship priority overnight. Take a picture of the shipping receipt and manually send our email for the verification process. Instant funds to your Zelle account after shipment has been confirmed. OYou received this service-related email because someone sent you money through Zelle. This payment will be available in your incoming payment activity once it has been completed. © 2025 Early Warning Services, LLC. Zelle and the Zelle related marks and logos are property of Early Warning Services, LLC [BBB Scam Type: Bank/Credit Card Company Imposter] [Business: Unknown] [Location: MA, USA - 02149]

I had an item posted on FB market place. The scammer messaged me interest and said he would Zelle the money. When the email came through it said I had to upgrade my account and to call the 953 number to do that. At that point I called out the scammer and told him I was going to report him. The number he used to text me is 412-484-7997. This is the email I received after he said he made the original amount for my item We want you to know that we received your payment of $40.00 but your account is not ready to be deposited for that amount, due to the money was sent from a zelle business account which requires an immediate expansion to your zelle account. What am I supposed to do? You are hereby informed to contact the last sender to send in an additional payment of $500.00 to help expand your account. Immediately this is done your account will be fully credited with the total sum of $540.00. Once your sender sends the extra $500.00 you will receive a new “CONFIRMATION EMAIL” from Zelle®? team giving you instructions on how to reimburse back the $500.00 to your sender’s account which makes the expansion complete and the funds will be automatically deposited into your account instantly. Do not hesitate to reply this email for more clarifications or call customer service@ +1 (985) 334-3627 ©2026 Early Warning Services, LLC. All rights reserved. zelle and the zelle marks used herein are trademarks of Early Warning Services, LLC. Other product and company names mentioned herein are the property of their respective owners. [BBB Scam Type: Phishing] [Business: Petko] [Location: WA, USA- 98045]

Identity theft cleanup guide Since I am not a lawyer, this post is for educational purposes only and is not legal advice. **This post is designed as a guide for United States residents to CLEAN UP identity theft that HAS ALREADY HAPPENED.** **To help prevent further identity theft from occurring, you should ALSO follow the steps in my post** [here](https://www.reddit.com/r/IdentityTheft/comments/uvv3ij/psa_freezing_your_three_main_credit_reports_is/). If someone has **filed taxes in your name and/or obtained employment in your name,** fill out at [IRS Identity Theft Affidavit](https://www.irs.gov/pub/irs-pdf/f14039.pdf) and send it to the IRS. If employment was obtained in your name, additionally make a police report if possible and contact the employer. If someone has **obtained goods, services, or accounts in your name,** follow the steps below: **Step 1: Obtain an FTC report.** First, report the identity theft to the FTC by visiting [identitytheft.gov](https://identitytheft.gov) and save a copy of your FTC identity theft report. **Step 2: Get further identity theft documentation** **Note, if the identity theft was extremely recent, you may want to take step 3 first.** An official police report carries more weight than an FTC identity theft report. Therefore, you should attempt to make a police report. The officers might state that they do not have the ability to investigate the crime. If they say this, try to explain the fact that even if they can't investigate, you would still like to make a report because doing so is necessary to clear you name. If you are absolutely unable to get a police report, you should instead report the identity theft to a separate law enforcement agency such as IC3 in addition to the FTC. This is not strictly necessary, but I would also fill out [this affidavit](https://www.attorneygeneral.gov/wp-content/uploads/2017/12/pdf-0094-identity-theft-affidavit.pdf). In the affidavit, mention the police department/separate law enfor

PSA: Freezing your three main credit reports is NOT ENOUGH This is the case for two main reasons: * **Identity thieves can sometimes undo your security freezes** if they are persistent enough - often either by calling in to the bureaus or by passing the (joke of a) security quiz) * There are **several other bureaus** that may be checked instead of one of the main three This sounds discouraging, but there is a way to protect yourself despite this. Although identity thieves can often undo security freezes, **it is usually difficult for them to undo** ***extended*** **fraud alerts**, possibly except for with TransUnion, which appears to allow their removal online (so keep a close eye on TransUnion). (If the identity thief already has a photocopy of your ID *and* your SSN, or is persistently trying to lift your freezes, you should apply for a new SSN ASAP) Regarding the second point, it is possible to pin-point each freezable credit bureau and freeze them, as the CFPB maintains a list of bureaus, and notates which ones are or are not freezable. If you are a victim of identify theft, **I would highly recommend placing extended fraud alerts AND security freezes on ALL of the bureaus in the list below** (in addition to Equifax, Experian, and TransUnion) **Bureaus used for bank account applications:** * **ChexSystems:** IMO this one is ***really*** important to freeze, even if you're not a victim of identity theft (however, I personally wouldn't place a fraud alert here unless identity theft was a threat) * **LexisNexis:** holds public records, but often used by financial institutions to verify identity * SageStream is now part of LexisNexis, so freezing LexisNexis will also freeze SageStream * ChexSystems sometimes pulls from LexisNexis, so when unfreezing ChexSystems to apply for bank accounts, you should unfreeze LexisNexis as well * Note: Early Warning Services (EWS) is also used to review bank account applications, but they do not offer security freezes o