Fidelity National Information Services, Inc. (FNIS)

2017-09-29

Naples, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-28

Fleming, GA

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Complaint: on XX/XX/XXXX I attempted to make a purchase from the XXXX XXXX XXXX store in XXXX, Ga. Store # XXXX. The amount was {$740.00}. The check was declined by a company named Certegy. This is the second time that they have declined a check without providing a reason other than " a computer algorithm. '' The first was on XX/XX/XXXX ( complaint # XXXX, filed on XX/XX/XXXX ) and was given the same response. I filed a complaint with this organization as well as the FTC. Certegy also, by their report sent to me, shares this erroneous information with other similar companies-specifically Chex Systems. It is unacceptable that they will not provide the information to me that if I have detrimental or inaccurate information on file with their company, in order that I make correct any mistakes or to point out inaccurate info to them in order for them to correct it. It is also a defamation of character for them to share inaccurate information regarding me to others, especially after being notified of a dispute. I do not believe that this agency actually looked at my original complaint and simply accepted the " form Letter response that Certegy provided '' and closed the complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-26

Riverside, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-26

Riverside, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-26

Phoenix, AZ

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-25

Problem with customer service

Money transfer, virtual currency, or money service: Check cashing service

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-25

CA

Problem with fraud alerts or security freezes

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Complaint: Hello, Please reference Case No. XXXX # XXXX. On Friday, XX/XX/XXXX, I received a scheduled phone call from an XXXX XXXX XXXX operations technician, XXXX XXXX ( XXXX ) XXXX. This scheduled phone call was generated by multiple customer service calls concerning account restrictions, claims of fraud and account closure starting on XX/XX/XXXX. The customer service calls resulted in then escalated to investigative operations management concerning an unauthorized transaction at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Before account review escalation procedure was implemented, the customer service rep. reviewed check endorsements deposits and determined a full investigation of my claim of Unauthorized transaction dispute was not done properly, and claim of fraud should be rescinded from the credit reporting accounts. XXXX XXXX who filed a fraud report to XXXX XXXX and XXXX, restricted all existing accounts at this bank, whereby they would not allow any deposits or withdrawals because of an " Unauthorized Transaction Dispute '' at XXXX XXXX XXXX XXXX XXXX in the amount of {$550.00}. THE INVESTIGATION AND SCHEDULED PHONE CALL Before my account restrictions were implemented by XXXX XXXX XXXX, a written request for the documentation used to qualify XXXX XXXX XXXX refusal to provide refund and further investigate the claim of unauthorized transaction. The materials sent in response to my request were as follows, ( 1 ) Copy of Merchant Receipt with Signature, ( 2 ) Letter containing the merchant response affirming signature of acceptance of charges and ( 3 ) XXXX XXXX XXXX XXXX transaction details. After account restrictions and closure notices were received XXXXXXXX XXXX XXXX XXXX XXXX Management were sent a letter disputing the charges and copy of their own merchant receipt they provided, also I provided a copy of my signed Passport Photo. XXXX XXXX XXXX XXXX responded by refunding the charges and apologizing. XXXX XXXX XXXX representative, XXXX XXXX respond by investigation at to my whereabouts on the day in question of the charges, and why my dispute story changed from a partial dispute to a full dispute of the charges, it was unauthorized period ... ..per " XXXX Core Rules and XXXX Product and Service Rules '', and under " Card Acceptance Guildlines for XXXX Merchants ''. This is what the requirements of card providers and merchants whom accept the XXXX debit or credit cards. Furthermore her line of questioning was not about the the unauthorized transaction, nor the failure of her Banks ' dispute department to compare the signatures of the merchant receipt and check endorsements on file at XXXX XXXX, but more of an investigatory process to cover their legal liability in the case of their Failure of Duty of care. The dispute resolution process, per the Account Holders Agreement should not have exceeded 90 days, and it did - ( XX/XX/XXXX, first fax dispute form sent, XX/XX/XXXX, dispute canceled because of none receipt of fax dispute, XX/XX/XXXX refiled fax dispute til XX/XX/XXXX account closure and fraud report submitted and accusation of fraudulent activity by account holder submitted to credit reporting agencies ). The scheduled call resulted in wasting three weeks of my time, they never rescinded the reporting of fraud, never mentioned the unauthorized transaction was a valid dispute, never follower Account Holders agreements, never followed the XXXX Guidelines for Card holder authorization or followed through with investigation on the dispute. I have made a formal complaint with XXXX, and will follow with a civil action regarding the compulsive fraudulent nature of this bank and its culture of deceitful practice. Yours, XXXX XXXX XXXX XXXX c
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-24

LA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: Hello, I have been notified by XXXX that my information might 've been compromised by the recent hack on XXXX. I 've contacted XXXX twice to get numerous inquiries from my account deleted. I 've also sent letters to each creditor that has an inquiry listed on my credit report without any resolution. Please help me in finding a resolution with XXXX. XXXX apparently has an auto response for inquiries when they are disputed. It kicks them out without a thorough investigation. Kindest regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-22

Tarzana, CA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: I am sick and tired of having to spend so many countless hours trying to fix the mistakes created by both ChexSytems and XXXX XXXX XXXX. I am a XXXX Citizen ( Attached Proof ). I have attached a copy of a XXXX that I intend to file if ChexSystems does n't remove the negative/inaccurate mark from XXXX XXXX XXXX. Final warning.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-21

Saybrook, IL

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Problem with personal statement of dispute
Complaint: In XXXX of XXXX I moved out of the state of Michigan. I was unaware that anything that my bank account at XXXX XXXX went negative. I had stopped using it when i moved. in XXXX i attempted to open a joint account with my teenage son at XXXX XXXX XXXX and was declined because a chexsystem report. I contacted chexsystem and discovered it was from XXXX XXXX. I contacted XXXX XXXX branch in which i had the account. They said the account was charged off, and i could not pay it off ( {$39.00} and some change ) I asked how i could have this removed, the representative at the time told me to dispute it with chexsystem. I did. The dispute showed i was responsible, which i never actually disagreed with. I just wanted to pay it. I finally contacted a corporate office, who gave me the ODP department. They told me to pay the balance, and it would be removed. they also told me to include a letter stating i wanted a copy of the letter of it being paid for my records. When i recieved that letter XXXX/XXXX/XXXX It was titled Paid in full letter. and stated that i had paid my balance and closed my account with XXXX XXXX, however, it would remain on chex system. This is unfair. I paid my balance. This remark should be removed. It is keeping me from opening accounts for my children and improving my financial future. I paid my debt. They need to remove the remark from my record, this could even keep me from advancing in my job as i work for XXXX XXXX XXXX. This is all under my maiden name of XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-21

Aurora, CO

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2017-09-19

Milan, IL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report

Old information reappears or never goes away
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-18

Grand View, ID

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report

Information is incorrect
Complaint: XXXX XXXX ... ... .. i have tried many times too get an account thru either a credit union or an actual bank. iam trying too fix my credit but behold XXXX they are holding me back from getting an account thru anyone due to the lack of their filling how things are on my reports. it just shows two available accounts. every time people say its due to XXXX XXXX either its fraud or something they are doing that isnt letting me get on with my life.. i have disputed and disputed and disputed and i dont know if they are doing something that is stoping me or if they have not updated my file. i have asked them to remove all the names except for my real name and the adress and still nothing, and i dont know why they are holding back for me not to get approved for anything.. i need something done cause they are just making my life hell. all the inquirys removed from my report thank you so much
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-18

Crowley, TX

Opening an account

Checking or savings account: Checking account

Unable to open an account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-18

Birmingham, AL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report

Information is incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-17

Frisco, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Personal information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-15

Scottsdale, AZ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: XXXX XXXX XXXX reported fraud to my report on chexsystems a few yrs ago. When I found out last summer XX/XX/XXXX I called XXXX and they stated that they never reported i had fraud and that my account I had with them was closed because it had a negative balance. I then contacted chexsystems to remove the fraud report and they said they would investigate. 30 days later i recieved a mailer stating they needed more time and I have not heard from them since. The night of XX/XX/XXXX I tried to open a debit account with XXXX XXXX and I was denied because of fraud with Chexsystems. So they obviously never investigated nor removed the fraud defamation. I then reported this here about chexsystems and they lied and the complaint was closed. XXXX had a collection company call me on XX/XX/XXXX and still has never responded regarding the defamation of fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-13

Ny City, NY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: ChexSystems continues to deny my application for banks regardless of countless amounts of inaccurate information and future dating old, fictitious accounts, preventing me from opening new accounts and collecting revenue from their business model of " check credit repair '' I am making sure this is a public complaint. Company will respond back asking for my social security number but cfpb advised against putting down my social security number. Inaccurate info with Chex systems. Scam organization
Company Response: Closed with explanation

Timely Response

2017-09-12

Dunlap, TN

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-12

Anthem, AZ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-12

Anthem, AZ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-11

Hartford, CT

Opening an account

Checking or savings account: Checking account

Unable to open an account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-11

Wonder Lake, IL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Personal information incorrect
Complaint: I complained back in XXXX about my Chexsystems information being incorrect. They have my middle initial a C when it should be R. Chexsystems told me the report was given by a bank sometime ago, most likely a credit card I tried to apply for years ago. The middle initial in their data base with the letter C is incorrect. They refuse to correct that information. I believe that is why banks, etc. have turned me down several times. There was a time when identity theft was being committed towards me back in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-10

Thousand Oaks, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: I am a victim of the recent XXXX XXXX XXXX account scandal. I have tried working with XXXX XXXX to fix the issue and have had no success. They have no proof that the account belongs to me. I am now requesting that ChexSystems remove entries from XXXX XXXX because XXXX XXXX is unable to Prove any accounts ever owned by me related to my ChexSystems report. I am now requesting that ChexSystems remove XXXX XXXX from my ChexSystems report. I have never been a customer of XXXX XXXX. PLEASE COMMUNICATE BY MAIL ONLY IF YOU ARE READING THIS COMPLAINT ChexSystems And XXXX XXXX Bank. Do not call please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-08

Scottsdale, AZ

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Problem with personal statement of dispute
Complaint: XXXX XXXX XXXX reported fraud to my report on chexsystems a few yrs ago. When I found out last summer XX/XX/XXXX I called XXXX and they stated that they never reported i had fraud and that my account I had with them was closed because it had a negative balance. I then contacted chexsystems to remove the fraud report and they said they would investigate. 30 days later i recieved a mailer stating they needed more time and I have not heard from them since. The night of XX/XX/XXXX I tried to open a debit account with XXXX XXXX and I was denied because of fraud with Chexsystems. So they obviously never investigated nor removed the fraud defamation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response