Fidelity National Information Services, Inc. (FNIS)

2016-12-13

Bremen, GA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I applied to join XXXX XXXX XXXX for a home loan. They use a service called Chexsystems that has provided information to XXXX that I did not pass Chexsystems approval process and now I can not move forward with my mortgage loan at XXXX XXXX XXXX. I called the service and they will not review the infomraion they provided to XXXX with me preventing me form moving forward with my loan application.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-12-09

Houston, TX

Incorrect information on credit report

Credit reporting:

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

Disputed: No Timely Response

2016-12-09

Boston, MA

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: I am having a problem with my Chex systems report. There is an account that is showing on my file with XXXX that was opened fraudulent. I have attempted to contact Chexsystems an only get an automated system. I have filed a police report and I am trying to see where do i have to send it to but have been unsuccessful in getting through to anyone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-12-09

Bronx, NY

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I had an issue with my XXXX XXXX XXXX checking account a while back my card was stolen and used and I was blamed for it leaving me owing the bank XXXX I argued but lost and eventually paid off the XXXX ( do n't have recipt ) to have my account in good standing same for my XXXX account I owed {$38.00} due to over draft fee 's but recently paid it off ( have receipt ), however when I when to open a checking account at XXXX XXXX I was unable to do so due to my Chex Systems report saying that I still owe this money both banks but they were both in fact paid in full. I was told that sometimes Chex systems fails to updated, so I am just hoping to have my reports brought up to date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-12-01

Sarasota, FL

Disclosures

Other financial service: Check cashing

Complaint: Centegy has on multipal occasions denied my payroll checks from being cashed from many different companys. my payroll checks have been denied over and over again on every pay period. I believe in being profiled for some reason I do not know. I have call to find out the reason why and was told that it was an algorithm that denied it and that the company has no control over it. also stated was that only 1 % to 2.5 % of the millions of checks cashed daily get declined. all of the payroll checks gone through there services recently have been declined. I have never wrote a personal. Check so why is this happening to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-30

Plymouth, FL

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Currently check systems has a fraud alleret on me, as well as the other company 's used by banks to open an account. I have tried to get it off, but I ca n't. I do n't owe any money to any banks. This is from XXXX XXXX XXXX. I wat this removed asap. This is making my life hard to live. And it is not true
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-28

Grovespring, MO

Incorrect information on credit report

Credit reporting:

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

Disputed: No Timely Response

2016-11-23

Las Vegas, NV

Incorrect information on credit report

Credit reporting:

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

Disputed: Yes Timely Response

2016-11-22

MI

Incorrect information on credit report

Credit reporting:

Reinserted previously deleted info
Complaint: I am no longer liable for checking account information in XXXX data base information is inaccurate an should be deleted
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-19

Ballardsville, KY

Incorrect information on credit report

Credit reporting:

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

Disputed: No Timely Response

2016-11-18

Queens, NY

Credit reporting company's investigation

Credit reporting:

No notice of investigation status/result
Complaint: On XXXX/XXXX/16, I disputed an entry on my ChexSystems report with Chexsystems. The entry was placed by XXXX, California in the amount of {$250.00} and reported for " Suspected Fraud Activity ''. I did not recognize this, and in my dispute to Chexsystems, I requested documentation from XXXX to substantiate both ( a ) the amount and ( b ) the suspected fraud activity. I then received a letter from ChexSystems dated XXXX/XXXX/16, that states that they have verified the information, but XXXX informed that account was opened online so requested docs were unable to be obtained. This is a completely unacceptable response. How was Chexsystems able to verify information when there is apparently no documentation to substantiate the information?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-14

Norco, CA

Incorrect information on credit report

Credit reporting:

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

Disputed: No Timely Response

2016-11-14

Cedar City, MO

Incorrect information on credit report

Credit reporting:

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

Disputed: No Timely Response

2016-11-14

Bremen, GA

Credit reporting company's investigation

Credit reporting:

No notice of investigation status/result
Complaint: I submitted disputes with XXXX - They did not investigate my actually dispute or even respond to the items in question. They just recent my whole report with a random item deleted that was n't even on my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-12

Saint Paul, MN

Incorrect information on credit report

Credit reporting:

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

Disputed: No Timely Response

2016-11-11

Oxford, GA

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: I filed a dispute with Chexsystems over a month and a half ago. I have been expecting to hear from them or receive a letter regarding my dispute. I have n't received anything from them. I just got off the phone with them and they said that there is no record of my disputes at all, which is a lie. I sent them the disputes via certified mail. They have information on my report that does n't belong to me at all. I want the information removed due to the fact that they have blatantly disregarded my dispute and ignored it like it was going to go away. I have attached the final letter that I mailed to them today. They have 30 days to remove the items off of my report or I will take them to court.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-11

Oxford, GA

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: I submitted a dispute to ChexSystems a little over a month ago. I called this evening and they have no record of it. Needless to say, I am not to pleased right now. Attached is the information that they sent me and I disputed everything. Also attached is the letter that I sent out to them today with notice that I will be filing suit if the information was not removed from my report immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-07

Jonesboro, GA

Fraud or scam

Other financial service: Check cashing

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

Disputed: Yes Timely Response

2016-11-04

Jupiter, FL

Account opening, closing, or management

Bank account or service: Other bank product/service

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

Disputed: No Timely Response

2016-11-04

Spokane, WA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: This last year my identity was stolen. The person who stole my identity tried to open a bank account with the XXXX XXXX XXXX. Now my file with Chexsystems has suspect fraud activity attached to it. I am trying to open up a health saving account, and I am unable to do so because this fraud is attached to my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-11-03

Bucks Bar, CA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

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

Disputed: No Timely Response

2016-11-03

Cordova, TN

Credit reporting company's investigation

Credit reporting:

Inadequate help over the phone
Complaint: On or about XXXX/XXXX/16, I wrote a check to retailer, XXXX XXXX, which was denied by the retailer. I was told that I would have to contact Certegy directly which I did within a few days of the declined transaction. I was told that I could only be given limited to info over the phone and I had to disclose personal confidential info, e.g., banking info and driver 's license, to them if I wanted a written a response of why the check was declined for processing. I received a response about XXXX which stated the check was declined because " This transaction fell outside of the guidelines Certegy has established for authorization and the second time check was through the same date and time that authorization was declined because " Certegy did not authorize this transaction because our records indicated that the same check or payment had been submitted to us before, and authorization had been declined. '' See first reason check was declined. I spoke with a Certegy agent on XXXX for an explanation of why my check did not satisfy their " guidelines '' and was told that said info was proprietary and could not be disclosed. I responded then how would I be able to prevent the embarrassment from having another check declined for authorization if I have no info to cure the alleged defect that does not meet their guidelines. I was not given a responsive answer to this question.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-11-02

Chicago, IL

Credit reporting company's investigation

Credit reporting:

No notice of investigation status/result
Complaint: In XXXX of 2016 I Filed a complaint with ChexSystems about a report the said I owed with a bank. I got a letter about verifying my identity asking for a letter from social security administration. They do n't send letters so I called them in XXXX to tell them I also sent a copy of my social security card and I 'd. I did n't hear from them until XXXX which was a another report. They have yet to respond to my dispute that they have my social security number wrong on my report. My number is XXXX they continue to show my number as something ending in XXXX. I tried to call and all I get is being bounced around by a answer machine. I would like for them to take all the accounts on XXXX off my chexsystems report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-10-27

Staten Island, NY

Incorrect information on credit report

Credit reporting:

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

Disputed: No Timely Response

2016-10-26

Staten Island, NY

Incorrect information on credit report

Credit reporting:

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

Disputed: No Timely Response