3 days after my menstrual period ends, started to have bleeding and cramps for about 2 weeks now. have copper iud inserted 3 years before. is this a concern? what are the chances of ectopic pregnancy?

Persistent bleeding after a menstrual period, with "2 weeks of cramps" may indicated ectopic pregnancy, as an IUD works to prevent implantation within the uterus, and does not protect against tubal pregnancy (ectopic). Get a serum HCG test to be certain about pregnancy, and if positive, see your gyn provider for an exam and other testing (ultrasound).