|
10823773
|
2024-11-16
|
Unable to get your credit report or credit score
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Unable to get your credit report or credit score
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Problem getting your free annual credit report
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-16
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10868888
|
2024-11-18
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Checking or savings account
|
| Sub Issue |
Problem making or receiving payments
|
| Sub Product |
Checking account
|
| Date Received |
2024-11-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-05
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
For the past two days I have been experiencing issue making payments to my credit card company XXXX XXXX for my XXXX XXXX. Apparently, XXXX XXXX uses Telecheck to assist them process check payments. I attempted to pay my entire balance on my credit card in the amount of {$500.00} but continuously got declined message. I contacted XXXX XXXX to inquire why my payment was being declined. I was advised that I would have to contact Telecheck to find out the exact reason as to why my payment was being declined.
I contacted Telecheck and spoke to numerous representatives over the past XXXX or 4 days and never received acceptable reason as to why my payments or being declined. I made to payments in smaller amounts ; 1 for {$300.00} and another for {$200.00}. I received payment confirmation from XXXX XXXX that my payment was successfull. Payment confrimation are XXXX ( {$300.00} ) and confirmation number XXXX ( {$200.00} ).
After making these payments I waited to see if they would be presented to my bank XXXX XXXX XXXX XXXX for processing. I waited but discovered that payments were never presented to my bank. I contacted XXXX XXXX to inquire why my payments were not processed. This issued has caused my balance on my credit card to me reported higher to credit reporting agencies which is totaling unfair.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8188451
|
2024-01-19
|
Confusing or missing disclosures
|
Money transfer, virtual currency, or money service
|
|
| Tags |
Servicemember
|
| Issue |
Confusing or missing disclosures
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Money transfer, virtual currency, or money service
|
| Sub Product |
Mobile or digital wallet
|
| Date Received |
2024-01-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-19
|
| Complaint What Happened |
I have a XXXX account where it uses FiServ to process payments to my bills on XXXX XXXX. FiServ allows deceptive practices to occur with it's clients, as to what is offered. When I investigated a late payment it was found to be decisioned to pay by a physical check based on the monetary value of the amount being sent, allowing a large bill to be processed in a different time frame which actually delays the payment and has a higher potential for being late and incurring fees and late charges. As a user of the system there is no way to know ( or for the Bank to lookup ) a dollar amount to see which pathway the payment will travel ACH 2-3 days and physical check allows for due date - 4 business days.There seems to be no accountability, as the blame was " XXXX credit card selected that option through FiServ ''. I believe it is up to the company offering the product to NOT allow deceptive or confusing billpay options to its clients and end-users.I believe this may be a a loop-hole that was set up to accommodate different scenarios but is instead allowing a profit from deceptive practices and really puts the end-user at a disadvanatge.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11154701
|
2024-12-14
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-14
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Subject : Dispute of Inaccurate Information and Request for Permanent Security Freeze and Permanent Opt-Out To : TeleCheck Services , Inc. and XXXX XXXX XXXX XXXX Dear Representatives, I am writing to address two separate but related matters : 1. A formal dispute of inaccurate information on my TeleCheck Services , Inc. and XXXX XXXX XXXX XXXX consumer disclosure reports.
2. A request for a permanent security freeze and permanent opt-out on my consumer file.
XXXX Part 1 : Dispute of Inaccurate Information Description : I am writing to formally dispute inaccurate information contained in my consumer reports from TeleCheck Services , Inc. and XXXX XXXX XXXX XXXX. Upon reviewing my reports, I identified several discrepancies that I believe to be incorrect and require immediate rectification under the Fair Credit Reporting Act ( FCRA ).
The issues pertain to the following : 1. Inaccuracies : Specific inaccuracies in my reports are highlighted in the attached documentation. These inaccuracies affect the accuracy and integrity of my consumer data.
2. Failure to Validate Debt : As per 12 CFR 1006.34 ( c ), there has been a lack of validation for the debts in question. No clear and accurate description of the debts or evidence of contractual obligation has been provided.
Upon reviewing my consumer reports, I identified the following discrepancy that requires immediate correction : Dispute Account 1 : Account Name : XXXX XXXX Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX.
Dispute Account 2 : Account Name : XXXX XXXX Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX.
Dispute Account 3 : Account Name : XXXX XXXX XXXX Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX XXXX Dispute Account 4 : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX XXXX Dispute Account XXXX : Account Name : XXXX XXXX Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX Dispute Account 6 : Account Name : XXXX XXXX XXXX XXXX
Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX XXXX XXXX
Dispute Account XXXX : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXXXXXX XXXX XXXX XXXX Dispute Account XXXX : Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX XXXX XXXX Dispute Account XXXX : Account Name : XXXX Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX Dispute Account 10 : Account Name : XXXX XXXX Account XXXX XXXX XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX Dispute Account XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX Dispute Account XXXX : Account Name : XXXX XXXX Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX I request a manual review of this information due to the complexity of the inaccuracies. I have attached highlighted copies of my credit report with the incorrect information clearly marked. Please investigate this matter and remove the inaccurate information from my credit report. Notify me in writing of the results of your investigation and any actions taken.
Under the FCRA, I am entitled to a thorough and transparent investigation of my dispute. I expect a prompt response to this request. If you fail to provide a detailed description of the investigation process, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and may seek legal advice to ensure my rights are protected.
12 CFR 1006.34 ( c ) : The Consumer Financial Protection Bureau ( CFPB ) has established requirements for the validation of debts. Under this regulation, the debt collector must provide clear and accurate information about the debt, including a detailed description of the nature of the debt and the original creditor. This requirement has not been met in my case.
Requested Actions : In accordance with the Fair Credit Reporting Act ( FCRA ), I request that TeleCheck Services , Inc. and XXXX XXXX XXXX XXXX conduct a thorough investigation of my dispute, correct the inaccuracies, and provide me with an updated copy of my TeleCheck Services , Inc. and XXXX XXXX XXXX XXXX Consumer Disclosure Report once the corrections have been made.
I respectfully request the following under the Fair Credit Reporting Act ( FCRA ) : 1. Conduct a thorough investigation of this dispute and remove the inaccurate information from my consumer reports.
2. Provide me with a detailed written statement of the investigation results and any actions taken.
3. Send me an updated copy of my corrected consumer reports.
4. Address the following specific details regarding your investigation : o Methods used to verify the disputed information.
o Sources consulted during the investigation.
o Documentation reviewed to support verification.
o Verification process and criteria used.
o A timeline of the investigation, including key dates and actions taken.
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.
Additionally, I request a description of the procedures used to determine the accuracy and completeness of the disputed information and the contact details of each person consulted regarding this account. Please also provide copies of any documents bearing my signature that establish a legally binding contractual obligation to pay the amount in question.
Failure to correct these inaccuracies within 30 days, as required under the FCRA, may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies.
Requested Actions : 1. Conduct a thorough investigation of the disputed accounts.
2. Remove the inaccurate information from my credit report.
3. Provide me with a written statement detailing the outcome of your investigation.
4. Send a corrected copy of my credit report to my address above.
5. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.
6. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.
7. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information.
8. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.
9. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken.
Additional Requests : 1. Procedure Description : Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. This should include a detailed explanation of how the reinvestigation was conducted and the specific steps taken.
2. Contacts : Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account.
3. Documents Bearing Signature : I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay the exact amount claimed.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Credit Reporting Act 4. Violations of the Consumer Financial Protection Bureau regulations XXXX Part 2 : Request for Permanent Security Freeze and Opt-Out I also request the following actions to ensure the security and privacy of my consumer data : 1. Place a permanent security freeze on my consumer file to prevent unauthorized access or use of my personal information.
2. Permanently opt me out of all pre-approved credit and insurance offers, marketing campaigns, and data-sharing programs.
Personal Information for Verification : Enclosed are copies of my driver 's license and a utility bill for verification purposes. Please confirm in writing once these actions have been completed or if additional information is required.
XXXX Relevant Laws : 15 U.S.C. 1681e ( b ) : Compliance procedures for maximum possible accuracy.
15 U.S.C. 1681i : Procedures for disputed accuracy.
15 U.S.C. 1681c : Requirements for information in consumer reports.
12 CFR 1006.34 ( c ) : Validation of debt details and original creditor information.
XXXX Thank you for your attention to these matters. I look forward to your response within the timeframes mandated by the FCRA. Please contact me at [ Insert Phone ] or [ Insert Email ] if you require further clarification.
Sincerely, XXXX XXXX XXXX XXXX Make sure to customize the placeholders with your details and attach the necessary documentation when sending this letter. Let me know if you need further refinements!
|
| Consumer Consent Provided |
Consent provided
|
|
|
10974423
|
2024-11-30
|
Problem getting a card or closing an account
|
Prepaid card
|
|
| Issue |
Problem getting a card or closing an account
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Prepaid card
|
| Sub Issue |
Trouble getting, activating, or registering a card
|
| Sub Product |
Government benefit card
|
| Date Received |
2024-11-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-30
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5720269
|
2022-06-28
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2022-06-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-13
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10902772
|
2024-11-22
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-22
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10989068
|
2024-12-03
|
Unable to get your credit report or credit score
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Unable to get your credit report or credit score
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Other problem getting your report or credit score
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-03
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6113337
|
2022-10-21
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Difficulty submitting a dispute or getting information about a dispute over the phone
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-10-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-10-21
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
On XX/XX/2022 and again on XX/XX/2022 fraudulent transactions were made against my checking account.
On the account detail line " Telecheck '' and their phone number appears in the payee line.
I have contacted the company who refuse to assist in any way, claiming they were not the recipient of the stolen money.
However Telecheck facilitated the theft, allowing and encouraging the final recipient to steal the funds.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7834524
|
2023-11-11
|
Problem with a purchase shown on your statement
|
Credit card
|
|
| Issue |
Problem with a purchase shown on your statement
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Credit card
|
| Sub Issue |
Credit card company isn't resolving a dispute about a purchase on your statement
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2023-11-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-28
|
| Complaint What Happened |
I got a couple of transactions on my credit card right after I got my paycheck I can give you the exact amount around {$400.00} later if you would like to ask but anyways a couple of transactions were not from me on my credit card I filed a dispute the exact next morning and when I filed I filed through email and about 7 Days later I called and they said that my dispute was denied so that is when I filed for another dispute form and explained everything to them and gave them transactions when I sent it through email it also got denied so the third time me doing it I printed out my activity for all my transactions all of them through my account predator and I wrote by hand to Page letter of everything that was unauthorized on my account every penny that was unauthorized I also circled all of the unauthorized transactions just so I can point out that I have never used the transaction multiple times like they are claiming that I did I did not get information from them because I went and did my own information gathering and printed out my own activity log for all my purchases and just yesterday I got a form which is my third form for being denied but this form said that they credited my account {$6.00} which doesn't make any sense because when I looked up the XXXX it told me that I made this transaction on the XXXX but the unauthorized transactions happened on the XXXX and the transaction they refunded me for had nothing to do at all with what I disputed it had nothing to do with it so I'm not understanding why they would grant me the money for that I feel like they didn't even take my case to actually look at it when I detail it explained it to them on the third try wrote by hand the two Page letter I circled the transactions that were unauthorized explain to them when I looked up the people that used my credit card unauthorized I was very detailed about it and I was very quick so I can try to get in that XXXX period or 30 day I'm not sure how long that is but I did everything and wrote down everything I could and I still was denied or I would say credited XXXX in my account
|
| Consumer Consent Provided |
Consent provided
|
|
|
10992356
|
2024-12-02
|
Trouble using the card
|
Prepaid card
|
|
| Issue |
Trouble using the card
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Prepaid card
|
| Sub Issue |
Trouble getting information about the card
|
| Sub Product |
Payroll card
|
| Date Received |
2024-12-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-02
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Can not open and use app. Can not access records of transactions and see balances at all. No help with fixing app. Told app being updated. XXXX months of having to call just to check balances and request help. Password resets. Uninstalling app, reinstalling app. Shutting phone down, removing battery. Providing phone make, model IP address etc, trying to find sudden problem after 6 years of use of said app. Lies about app progress, fixing glitches, sending reports and information to IT team. No call back. Rude people on line who treat customers like idiots. Maybe we are for still trying to use this business? Never a supervisor available. Currently still online waiting for a supervisor who can just send me my money and close my account. Automated hold said XXXX minutes wait, already online with multiple customer service reps for XXXX minutes.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4692573
|
2021-09-04
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Mortgage debt
|
| Date Received |
2021-09-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-09-17
|
| Complaint What Happened |
My husband died in XXXX lawyers and Trustees left debt and in XXXX doubled that debt using a company call Fiserv Lending Solutions that changed the account numbers on XXXX account that was already fraudulently transferred to me as debt instead of paying it off. XXXX with XXXX XXXX XXXX XXXX used this service to produce documents, new debt of XXXX dollars with rights to sale my home out from under me. Fiserv Lending Solution reproduces new documents, debts and rights against homeowners for banks and lawyers. XXXX XXXX XXXX has a criminal record working in Nursing Homes till a death occurred but is still in good standing with the Florida Bar. He was my attorney writing my wills, XXXX XXXX and business attorney for XXXX.
One day after death Mr. XXXX took all of our personal information worked with 25 % share holders to appoint personal representative and Trustee XXXX XXXX to open a fraudulent docket with a fraudulent power of attorney under his Mr. XXXX as the deceased before Probate Opened, as the deceased. He used these fraudulent documents to take over all of our personal, business accounts, credit lines and collected 3 life insurance policies and all investment accounts and property.
Using four dockets and rotating judges Mr. XXXX and XXXX XXXX whom I hired to protect me and my children was able to hide a criminal paperwork with many orders not signed off by a Judge, I will send docket to show this Racketeering. They produced more fraudulent documents and accounting split the estate and named themselves as Trustees and beneficiaries excluding me entirely and cheating my children of their inheritance as well. I am including documents that XXXX wrote of homestead protected and exempt in the hands of XXXX XXXX. Also included is a investigation by XXXX formerly XXXX that the loan I have been paying on does not exist. Also Fraudulent accounting that the credit line was a credit not a debt to me. Also the letter Mr. XXXX wrote to XXXX and Fraudulent debt and account transfers starting in XX/XX/XXXX to XXXX. Also all supporting documents that XXXX has been reopened. There are two civil cases one where Mr. XXXX was awarded legal fees. That case remains open because of procedural mistakes, due process and fraud. The Probate has been reopened for the same reasons and a Civil case in XXXX XXXX for Civil Theft and Fraud.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4324480
|
2021-04-23
|
Problem with a lender or other company charging your account
|
Checking or savings account
|
|
| Issue |
Problem with a lender or other company charging your account
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Checking or savings account
|
| Sub Issue |
Can't stop withdrawals from your account
|
| Sub Product |
Other banking product or service
|
| Date Received |
2021-04-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-04-23
|
| Complaint What Happened |
We are a small Girl Scout Council in XXXX, XXXX Our credit card processing company recently changed from XXXX XXXX FiServ ( XXXX mandate ). That happen about mid XXXX. Ever sense that time frame FiServ has depositing our funds for council service fees into our main checking account then taking it back out the same day or the day after. Leave us with {$0.00} per {$7.00} transaction. Our AP person finally noticed the issue in XXXX. I contacted our FiServ contact manager about the issue both in email for in voice mail weekly and never received a response. I finally manage to catch him on the phone mid XXXX. He did some research and said we had to fill out a different form. That the info we had submitted was incorrect and their credit dept had put a block on our account. We submitted the requested info. 3 more weeks went by and the issue kept happening. I contact our support person at FiServ again and he spoke with his credit dept and they claimed that things were just taking longer than normal. It has now been 5 weeks since we submitted the change form. The issue is still happening. Nothing makes a difference. I have made a complaint to XXXX as well and they too never respond or deal with the issue.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4409281
|
2021-05-27
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Personal information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-05-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-05-27
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10441555
|
2024-10-14
|
Problem with fraud alerts or security freezes
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with fraud alerts or security freezes
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-10-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-14
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10629662
|
2024-10-30
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Other debt
|
| Date Received |
2024-10-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-30
|
| Consumer Consent Provided |
Other
|
|
|
4450668
|
2021-06-10
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Checking or savings account
|
| Sub Issue |
Deposits and withdrawals
|
| Sub Product |
Other banking product or service
|
| Date Received |
2021-06-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-06-10
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
XXXX I also contacted clover which is my machine carrier for the way the merchant First Data has treated this situation and still yet have not heard back nor has the situation been resolved Subject : FIRST DATA MERCHANT ID XXXX I OPEN A MERCHANT ACCOUNT FOR MY SMALL BUSINESS I JUST STARTED AND WHEN ACCOUNT WAS OPEN SALES REP DID NOT ADVISED ME OF MY LIMITS I HAD SET ON THE ACCOUNT SO MY XXXX STARTED TO INCREASE AND FIRST DATA STOP PROCESSING ASK ME TO VERIFY SOME INFORMATION I WHICH I DID HOWEVER I HAD PRIOR OVER {$8000.00} THAT THEY WAS HOLDING I KEPT CALLING THEM WHICH WAS UNSUCCESSFUL I WAS TOLD TO LEAVE A MESSAGE WHICH I DID AS WELL AS SENT EMAILS!! NO REPLY I WAS THEN CONTACTED BY A REP WHO TOLD ME MY FUNDS WOULD BE RELEASE I 3DAYS EITHER WAY I WOULD GET A EMAIL HOWEVER NONE OF THAT HAPPEN I AM STILL AS OF YET RECEIVE MY MONEY WHICH IS VERY DISGUSTING ESPECIALLY FOR THIS TO BE A PROFESSIONAL COMPANY AND AS IM DOING MY RESEARCH I SEE THIS IS WHAT THEY DO HOLD PEOPLE MONEY AND DON'T SEND IT TO THEM EACH REP I SPOKE WITH ON EACH SIDE CLOVER ( OR FIRST DATA ) HAS BEEN UNPROFESSIONAL OR UNABLE TO TELL ME ANYTHING! 'M FILING A COMPLAINT TO SAY I NEED MY MONEY BACK THIS IS ABSURD TO BE TREATED THIS WAY ESPECIALLY SINCE FIRST DATA HANDLES MY OTHER MERCHANT ACCOUNT IN WHICH I'M LOOKING FOR ANOTHER MERCHANT AS WE SPEAK I CAN NOT AND WILL NOT DEAL WITH THE UNPROFESSIONAL! AND I FEEL I AM BEING DE-FRAUDED OUT Of my money
|
| Consumer Consent Provided |
Consent provided
|
|
|
5438601
|
2022-04-12
|
Problem getting a card or closing an account
|
Credit card or prepaid card
|
|
| Issue |
Problem getting a card or closing an account
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Trouble closing card
|
| Sub Product |
Payroll card
|
| Date Received |
2022-04-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-12
|
| Complaint What Happened |
On XX/XX/2022 at XXXX, I sent a direct email to La XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and informed them that I reported their fraudulent activity to the U.S. government for XXXX ( please see the attached email ). I closed and locked my Money Network Card card. On XX/XX/2022 at XXXX, I learned my Money Network card account was somehow unlocked and reopened to allowed a {$160000.00} refund from XXXX XXXX XXXX XXXX ( please view the attached email ). On XX/XX/2022, I closed my Money NetworkXXXX Account XXXX XXXX the telephonic assistance of a Money Network Representative named XXXX. Money Network Representative XXXX informed me that the remaining balance on my Money Network account would be sent to my address in the form of one ( 1 ) check. I was already expecting a previous check from Money Network from my previous account closure on XX/XX/2022. On XX/XX/2022, Money Network allowed a withdrawal of {$31.00} from my closed Money Network account, which resulted in a {$31.00} negative balance ( please view the attached screenshot ). On XX/XX/2022 at XXXX, Money Network accepted another {$150.00} refund to my closed Money Network account ( please view the attached screenshot ). On XX/XX/2022, Money Network deducted {$31.00} from the {$150.00} dollar refund, as if I were paying towards the negative {$31.00} balance. To date, Money Network has not closed my account.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3671697
|
2020-05-27
|
Problem with a purchase or transfer
|
Credit card or prepaid card
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Problem with a purchase or transfer
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Card company isn't resolving a dispute about a purchase or transfer
|
| Sub Product |
Government benefit card
|
| Date Received |
2020-05-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-05-27
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
XXXX doesn't work for processing the new Economic Impact Payment Cards being sent out by the US Government.
FISERV and Money Network dropped the ball.
I received an EIP debit card in the mail yesterday.
I called XXXX to activate the card and assign a PIN - no problem.
I registered as a new user at XXXX. Got a dozen different emails about Login ID and passwords with no real problems until the final step : The system said I would be sent an email with a validation code that I would have to enter before I could go any further. The email with the code never arrived. I went to bed.
The next morning, 8 hours later, the email arrived with a 5 minute window for use.
I missed the window. Tried again - same thing.
I called customer service. They said " The system is broken - we don't know if it will ever be fixed. Try going to your bank. '' Folks. if the government is going to partner with a XXXX dollar service company they ought to at least get some assurances that the systems will be tested before sending out XXXX XXXX debit cards.
ACCOUNTABILITY!
|
| Consumer Consent Provided |
Consent provided
|
|
|
10392376
|
2024-10-09
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information that should be on the report is missing
|
| Sub Product |
Other personal consumer report
|
| Date Received |
2024-10-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-09
|
| Consumer Consent Provided |
Other
|
|
|
3909856
|
2020-10-20
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Checking or savings account
|
| Sub Issue |
Problem making or receiving payments
|
| Sub Product |
Checking account
|
| Date Received |
2020-10-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-10-20
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10419179
|
2024-10-11
|
Closing an account
|
Checking or savings account
|
|
| Issue |
Closing an account
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Checking or savings account
|
| Sub Issue |
Company closed your account
|
| Sub Product |
Checking account
|
| Date Received |
2024-10-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-11
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10145037
|
2024-09-17
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-09-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-17
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10759182
|
2024-11-11
|
Other features, terms, or problems
|
Credit card
|
|
| Tags |
Servicemember
|
| Issue |
Other features, terms, or problems
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Credit card
|
| Sub Issue |
Other problem
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2024-11-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-11
|
| Complaint What Happened |
I am filing this complaint due to Clover 's refusal to release an {$800.00} refund that I processed through their system. Despite repeated attempts to contact Clover for assistance, they have blocked my emails, preventing me from further communication. I also filed a complaint with the XXXX XXXX XXXX which remains unanswered.XXXXAt this point, if the matter is not promptly resolved, I will need to explore outside legal options and consider reaching out to my local news station and sharing my experience on social media.
Thank you for your attention to this matter, and I look forward to your prompt response.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9711780
|
2024-08-05
|
Problem with a lender or other company charging your account
|
Checking or savings account
|
|
| Issue |
Problem with a lender or other company charging your account
|
| Timely |
No
|
| Company |
FISERV INC.
|
| Product |
Checking or savings account
|
| Sub Issue |
Transaction was not authorized
|
| Sub Product |
Other banking product or service
|
| Date Received |
2024-08-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-05
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5710235
|
2022-06-26
|
Other service problem
|
Money transfer, virtual currency, or money service
|
|
| Issue |
Other service problem
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Money transfer, virtual currency, or money service
|
| Sub Product |
Virtual currency
|
| Date Received |
2022-06-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-26
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Other
|
|
|
10228665
|
2024-09-24
|
Other transaction problem
|
Money transfer, virtual currency, or money service
|
|
| Issue |
Other transaction problem
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Money transfer, virtual currency, or money service
|
| Sub Product |
Domestic (US) money transfer
|
| Date Received |
2024-09-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-24
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8036280
|
2023-12-20
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2023-12-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-20
|
| Complaint What Happened |
On XXXX XXXX, XXXX I was the victim of identity theft. I saw that there were 2 charges on my bank account each for {$500.00} to a company I did not recognize. I immediately called my bank to dispute the charges and block the account so no further charges could come out while I moved my direct deposits to another account. The dispute i filed with my bank was found in my favor and all other charges were returned due to the fraud. A month later I received a letter from TRS Recovery stating i owed them XXXX which i filled out the form telling them it was not my debt and that i disputed it with my bank and found in my favor. Today i received another notice from them XXXX/XXXXXXXX stating they added fees and again gave me the option to dispute which I filled out the form and sent it to them. My account information was stolen and used to make charges and I followed the steps with my financial institution to resolve the issue. I want the company to remove the debt and stop sending me letters. This is not my debt and feel harassed by the company when they have been informed by me 2x that this was fraud and I filed disputes with my bank and were found in my favor.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8192110
|
2024-01-20
|
Other transaction problem
|
Money transfer, virtual currency, or money service
|
|
| Issue |
Other transaction problem
|
| Timely |
Yes
|
| Company |
FISERV INC.
|
| Product |
Money transfer, virtual currency, or money service
|
| Sub Product |
Domestic (US) money transfer
|
| Date Received |
2024-01-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-20
|
| Complaint What Happened |
OnXX/XX/XXXX, a friend of mine from XXXX, XXXX XXXX, sent me XXXX by XXXX that he owed me for some XXXX. On XX/XX/XXXX I received the email below. - Hello XXXX, We've deactivated XXXX for use with XXXX because it can't be used to send or receive money. We apologize for any inconvenience this may cause you. We appreciate your business. Sincerely, XXXX XXXX So that same day I called XXXX XXXX Customer support. The person who took my call said that all she could tell me is that, I made a transaction which broke the terms of my agreement with XXXX, and it was for a XXXX I asked for more details to identify the transaction, I specifically asked for the date, and if I was the sender or receiver (so I could narrow it down). She said she could not give me any further details. I also asked her which specific XXXX policy I had broken. She said she did not know and couldnt tell me. She said the only thing I could do was call XXXX directly because it was a XXXX decision and they are a Third Party service provider to XXXX XXXX, AND, I could go to the XXXX branch and talk to a banker who could review my account and submit a request for the restriction to be removed. Ok, I called XXXX. They have an option to speak to someone regarding ONLY the XXXX App, and when you go through the phone voice menu for problems with restrictions, they sent me back to my bank. So, I go to the XXXX XXXX branch on the same day, located at XXXX and XXXX XXXX. I sit down with XXXX XXXX (XXXX XXXX Branch Banker). He reviews my account, and sees that my XXXX is restricted with no explanation. He says, (from his experience) this happens when there is a fraudulent transaction on XXXX. After reviewing my account and seeing no evidence of fraud, he submits a request to have the XXXX restriction removed. That same day he send me an email that my XXXX service has been restored. (below) XXXX Good afternoon XXXX, This is XXXX from XXXX XXXXXXXX to let you know that your XXXX is back to normal. XXXX Regards, XXXX XXXX | Banking Associate | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider the environment before printing this e-mail XXXX Great right! I actually didn't even check right away to see. Why would I? I did nothing wrong. But that night I tried to access XXXX to see, and it wasnt working. So I sent XXXXl and email and followed up the next day. XX/XX/XXXX XX/XX/XXXX. A couple back and forth emails, him saying hes looking into it, then try again. XX/XX/XXXXemail. (below) - Good morning XXXX, Unfortunately you won't be able to use XXXX anymore. The bank reserves the information for which they do not allow you to use the application anymore. So you will need to choose an alternative payment method. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider the environment before printing this e-mail OK, now Im frustrated. I responded to him saying how can this happen without explanation? Never heard from him again. XX/XX/XXXX I call XXXX again, This time I started with XXXX App support just to get a live person. They again told me that it was my banks decision and they couldnt give me any details, but they transferred me directly to XXXX XXXX Digital Detection Dept. The first person I got on the phone says there is nothing I can do and I just cant use XXXX anymore using my personal email (XXXX) or my cell phone number, or with any XXXX XXXX account. And he suggested I use another service provider like XXXX or XXXX. I send, and receive a lot of money from my personal account using XXXX, and for my bank to arbitrarily cut me off from use without explanation and without any due process or process of investigation, I find ridiculous. So I told him that I wanted to speak to his supervisor. He put me on the phone with a polite lady, who tried to help me out. I pressed her on more details of the transaction in question because I still had no idea ( I have many XXXX transactions, sent and received). She told me it was the transaction I 1st referenced above, the receipt of XXXX from my XXXX friend. She told me that the account holder had disputed the XXXX transaction with his bank, which was XXXX XXXX. I immediately told her that this is a person that is a friend of mine and Ive played XXXX with him for over 10 years and its clearly a mistake because he would never dispute that transaction knowingly. So then I asked her what evidence she would need to get the restriction removed, her response was two part. First, she didnt know what documentation or evidence would be sufficient to prove that the dispute was erroneous. Secondly, she told me that since XXXX had already requested that the restriction be lifted, and that request had already been denied, that was my only chance to overturn the decision, and so she did not believe that the decision would ever be overturned. I was starting to get very upset. First, I explained to her that that cant be my only chance to overturn this ridiculous decision, because I was never given the information about the transaction in question to be able to understand, and provide any evidence to the contrary. Second, I asked her How can that be a fraudulent transaction when I didnt initiate a request through XXXX XXXX platform for the money to be sent to me? Rather, my friend found me on XXXX knowing my cell phone, and sent the funds to me. I further explained that, without any system of due process, anyone who has someone elses first name and cell phone number could intentionally XXXX them money, and then call their bank and claim fraud just to block that persons access to XXXX. Thirdly, I explained that XXXX XXXX needs to fight for me because I am XXXX XXXX customer, and if I can provide indisputable evidence that the transaction was not fraudulent, then XXXX XXXX must restore my access to XXXX service. Without her able to make any suggestions or recommendations as to what evidence I could provide to overturn this decision, I asked her if I could obtain a notarized letter from my friend stating that he had not disputed the transaction or that, if he had, that it was an error, then would that be enough? She said she didnt know, but I could try it, and if it was a notarized letter is better than a letter that wasnt notarized. She said you can try. Get the letter and bring it to the branch and have them upload it into our system, I cant guarantee that anything will work. OK, well at least now Im sure about the transaction in question and Im feeling slightly relieved that I know the person who sent me the money intended to send me the money and Im feeling confident that once I have this explanation letter in my hand that I will have my service with XXXX renewed, and I will eventually be a happy camper so I push forward and I call my friend and explain to him what was happening. His first reaction was that he had no idea because he never dispute the transaction. So I asked him for a notarized letter stating the same and fortunately the next day we play XXXX together so he could bring it with him. Agreed. Two minutes later he calls me back and he apologizes profusely because when he logged into the account, he could see that the transaction was disputed and he remembered that it was a joint account that opened with his son when his son was a XXXX. He called his son and found out that his son disputed the transaction because he didnt recognize my name and thought that it might have been one of his friends who is also named XXXX and so his son called up XXXX and dispute the transaction. He immediately called his son and had his son called XXXX and removed the dispute. Then, he wrote a letter thoroughly explaining the nature of the error, with all the details, and clearly stating the dispute was an error and NOT fraudulent, had it notarized. At this point, Im thinking checkmate. Not only is it clear that the initial dispute claim by XXXX was made in error, but I have a notarized letter from the account holder stating that the transaction was legitimate and intentional. XX/XX/XXXX I get the notarized letter in my hands. And emailed to me.XX/XX/XXXX I go back to the branch. XXXX is not there. So I follow up with anotheXXXX XXXX XXXX rep, XXXX XXXX I explain absolutely everything that happened again and I forward him the letter. He reopens the case and uploads the letter. And then later that day calls me and says that my appeal has been denied again despite the letter, and that I should pursue XXXX XXXX, or XXXX, or some other service. Of course, he apologizes profusely because of the ridiculousness of the situation. I quickly call XXXX XXXX again, blow past the first representative who claims nothing can be done, and Im transferred to XXXX who is a supervisor. I again explain everything that happened since the beginning I confirm with him that XXXX Digital Detection department has received the letter, and I tell him that its unfair, unjust, and I want him to get that decision overturned, I explain to him the nature of my relationship with XXXX XXXX including over XXXX of deposit accounts that are not bearing interest through all of my accounts and he acknowledges all of those things and says that hes going to do whatever he can to restore my access to XXXX and he will follow up with me either with a phone call or with a secure message. Please see below the secure message that I received onXX/XX/XXXX XXXX Dear XXXX XXXX Thank you for contacting us in regard to your XXXX with XXXX profile being restricted. I further escalated your concerns to our Digital Detection Team for further review and they have advised that you will need to choose an alternative payment method by which to send people monies. This could include other third-party services such as but not limited to: XXXX XXXX XXXX XXXX, etc etc. If you have any further questions, please contact us via email or call XXXX to speak with a XXXX XXXX On-Line Specialist, 24 hours a day, 7 days a week. Regards, XXXX XXXX XXXX On-Line Resource Officer XXXX At this point, Im thinking to myself. Is there anything else I can do before initiating a class action lawsuit against XXXX XXXX XXXX and XXXX XXXX I reached out to a personal contact who works for XXXX XXXX for a long time and explained everything to him. His email response below XXXX XXXX, We spoke with our operations team regarding your XXXX deactivation. They explained that XXXX initiated the fraud alert for the XXXX payment and they notified Fiserv. You will need to reach out to Fiserv and/or XXXX. Sincerely, XXXX XXXX I then called my friend and asked him to get a letter from XXXX stating that XXXX acknowledged that the transaction was not fraudulent. made several requests over the phone and in the branch and was promised many times that a letter would be sent to him directly as well as emails. So that we have something in writing confirming that XXXX had changed and withdrew the fraud claim. unfortunately, we never got those letters from XXXX. since late XXXX, I have not pushed very hard on this topic because I had more important things to do and I was waiting for these XXXX letters that never arrived for my friend. However, I started following up again early XXXX and on Thursday, XX/XX/2024, I initiated a three-way call with XXXX claims department, and my friend whos account is at XXXX that we could verify the status of these letters that were supposedly coming to my friend and see if XXXX was able to resolve the problem for us based on the feedback I received from XXXX XXXX (that only XXXX was able to undo the dispute and report to Fiserv so that Fiserv could restore my access to XXXX service. after another grueling hour and a half on this three-way call in which the XXXX representative promised a resolution, we were disappointed that the representative said that he cannot change the case, or the claim of fraud, because the case had already been closed, and the only ones that can restore my access to XXXX is XXXX XXXX. Although this representative did not know, or could not verify that Fiserv was in control of this process, and he could not edit the closed case, he said that he put notes on the XXXX claim number stating that the XXXX Client had verified that the transaction was not fraudulent. I asked him how Fiserv would ever be able to retrieve that information if it was not transmitted by XXXX to Fiserv because all these claim numbers that he was giving us were internal XXXX claim numbers? he said that he could not transmit any data to Fiserv about this case or any other claim regarding this transaction and that I needed to go back to XXXX XXXX again so that XXXX XXXX could resolve the issue with Fiserv. For the record, please find below the XXXX internal claim numbers. XXXX Original claim number, Closed, cannot be re-opened or edited XXXX Rep XXXX (refused to give an employee ID number, but said hes the only XXXX in the claims department, which should be good enough for me) Short inquiry claim number XXXX, a new claim number which documented our phone call. He also promised, yet another letter would go out in the US mail to his client, as well as an email to confirm acknowledgment that there was no fraud, but that XXXX refused to update Fiserves records, or withdraw the original claim despite its erroneous nature. XXXX a fraud claim against me to XXXX and Fiserve. At this point, XXXX is presently aware that the claim was factually incorrect and that I committed NO fraud, yet they refuse to update XXXX and Fiserv to correct the record, and they refuse to make any effort to restore my access to XXXX due to the incorrect fraud claim. Summary XXXX has become an integral part of banking and a service offered to almost every banking customer across the majority of US banks as a benefit of the banking relationship. I have people who depend on me to send them payments by XXXX for monthly services. I have people who want to pay me by XXXX It is part of my business and my personal life, Ive done enough research to know that a lot of banks are taking heat right now due to XXXX related transactions that are fraudulent where the banks are not able to undo transactions for their customers when the customers believe there is fraud, and I understand that banks must err on the side of caution. However, to deny banking customers access to XXXX service with no evidence, and only an accusation of fraud, and to accuse that customer (me) of breaking the terms of my service agreement, with XXXX, is 100% wrong. Furthermore, with no transparency or clear process to undo simple errors is unfair to consumers like me who have done nothing wrong. To continue the farce in light of indisputable evidence that the transaction was not fraudulent, and a retraction of the dispute by the person who made the dispute in the first place, is completely absurd. Not only has my XXXX service been denied with XXXX XXXX, but now across all banks. I cannot use XXXX with my name, cell phone, and personal email with ANY bank, which is why I believe that it is not only a XXXX XXXX or XXXX XXXX issue, but a more centralized issue with XXXX and Fiserv which we all know are owned by the big banks. As I said, before, if this is the XXXX XXXX, it means that anyone with your cell phone number and or email address associated with your account, and your name could send you XXXX dollar by XXXX, dispute the transaction, and thereby, either fraudulently and tortuously, or erroneously, have your XXXX service removed, and not only with your bank, but with all banks who know your email address and cell phone number, forever! And worst of all, with no due process or resolution process whatsoever. I have proven that there is no fraud, I have proven that there was no intent of fraud, I have proven that I have not violated any of the XXXX policy or terms of service, and yet I am being denied service that millions of Americans have access to because my bank will not fight for me. now when people ask to XXXX me money, or if I can sell them money I have to say no I cant because I am denied access from XXXX due to fraud, and the XXXX XXXX is assumed to be on me. It is unfair to deny consumer services offered to millions with no due process. the banks point the finger at each other and XXXX however, they are the owners of XXXX and Fiserv. This is clearly intentional so they can deny any direct wrongdoing and pass the buck and avoid direct liability, which is why I think the CFPB should hold the banks accountable for the actions of XXXX and Fiserv, And force banks to have a transparent dispute resolution process that protects consumers against denial of service based only on accusations. Thank you, XXXX XXXX
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| Consumer Consent Provided |
Consent provided
|
|
|
4179826
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2021-03-03
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Took or threatened to take negative or legal action
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Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
FISERV INC.
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| Product |
Debt collection
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| Sub Issue |
Threatened or suggested your credit would be damaged
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| Sub Product |
Other debt
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| Date Received |
2021-03-03
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2021-03-03
|
| Complaint What Happened |
XXXX/XXXX/3021 Spoke to First Data about a lease that I am no longer liable for, I was the first contract for the leased equipment. When I sold my business the sales rep XXXX XXXX rewrote the contract into the new owners name. Now I find out that new owner sold the business again and the 3rd owner signed the contract on the equipment. I received a letter in the mail stating that I am responsible for the bills now that the 3rd owner isnt paying for the leased equipment. I spoke to my sales rep and she is trying to get the guy to pay for the equipment but he wont. I am not responsible for a contract that I terminated over 2 years ago and has since been rewritten twice to two other people.
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| Consumer Consent Provided |
Consent provided
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|
|
4374914
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2021-05-13
|
Attempts to collect debt not owed
|
Debt collection
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|
| Issue |
Attempts to collect debt not owed
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| Timely |
Yes
|
| Company |
FISERV INC.
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| Product |
Debt collection
|
| Sub Issue |
Debt was paid
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| Sub Product |
Other debt
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| Date Received |
2021-05-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2021-05-13
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| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
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| Complaint What Happened |
The debt is with XXXX XXXX XXXX. The debt was paid with a settlement offer by XXXX. The amount was XXXX and settlement was XXXX. The company never notified the credit union. Telcheck took payment on XX/XX/2021. The reference number Company : TELECHECK SERVICES C-3 Reference Number : XXXX Acct : XXXX Rounting. XXXX XXXX XXXX XXXX
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| Consumer Consent Provided |
Consent provided
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|
