Fidelity National Information Services, Inc. (FNIS)
Consumer Complaints
There are over 2336 complaints on file for Fidelity National Information Services, Inc. (FNIS). Dated between 2019-12-15 and 2012-10-31.
Complaints Page 5
2019-09-11
South Florida, FL
Problem with a company's investigation into an existing issue
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: After unsuccessful attempt to open a new checking account with a bank, the banker informed me that XXXX provided negative information about me and it affected the bank 's decision. I got contact info for XXXX and I called the number and requested a copy of my report but never heard back from them. They do not employ a life person for inquiries and it is impossible to reach for resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-06
Palatka, 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
2019-09-05
Bel Nor, MO
Problem with a company's investigation into an existing issue
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Their investigation did not fix an error on your report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-05
Palatka, FL
Unable to get your credit report or credit score
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Other problem getting your report or credit score
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-03
La Tijera, CA
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
2019-08-30
MA
Identity theft protection or other monitoring services
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Billing dispute for services
Complaint: The bank said I owed XXXX dispute this is fraudulent in it not mine
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-29
DC
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Complaint: XXXX and XXXX both are illegally adding and reporting false information from credit companies that I never signed any contract with and have absolutely no dealings with in general. No legal contract can be produced for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX. In Addition no data was furnished or producible to validate any legal contract binding to agencies acting on behalf of other companies therefore no legal contract is made! Erase these items from my credit and reprimand the reporting agencies for continually and knowingly adding these false entries after deletion!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-28
Brooklyn, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Public record information inaccurate
Complaint: I was a victim of Fraud, I expressed this to XXXX XXXX XXXX. No investigation was conducted and my account was sent to Chex systems for {$120.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-27
Cheyenne, WY
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
2019-08-27
Merced, CA
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
2019-08-26
Charbonneau, OR
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
2019-08-26
Chester, PA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-26
Hialeah, FL
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: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-26
Minneapolis, MN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-25
OR
Unable to get your credit report or credit score
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Other problem getting your report or credit score
Complaint: Based on my CD application, XXXX XXXX declined my deposits on XX/XX/19.
Their decision was based in whole or in part on information obtained in a report from the consumer reporting agency XXXX XXXX , XXXX., Attn : Consumer Relations, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX Immediately, I requested a copy of their report, electronically, on their own website. According to them I should have received it within 5 business days. However, until XX/XX/19, I did not receive any report.
I send tried to call them WITHOUT ANY SUCCESS as well as a fax to them ( at ( XXXX ) XXXX ) on XX/XX/19. I did mention in the fax that I would approach govt. authority if I don't receive a report in a day or so.
Thus, I am left with no choice but to complain about them, their IRRESPONSIBLE behavior towards Customers.
Hopefully, your department will sort this out and I hope to recover my credibility that might have been affected by this FRAUDULENT reporting authority.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-23
Atlanta, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: This letter is being sent to you in response to a computer generated, unsigned letter dated XX/XX/XXXX (XXXX), letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC § 1692 and as amended by adding the following new Title 8 USC § 802 et seq., and the Fair Credit Billing Act, 15 USC. § 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act (TILA) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the “debt” by complying, in good faith, with this request for validation and return it to me, within thirty (30) days of receipt of this letter.
This is NOT a request for “verification” or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached “Declaration and Proof of Claim” that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following:
– Violation of the Fair Credit Reporting Act
– Violation of the Fair Debt Collection Practices Act
– Defamation of Character
– Violation of United States Code TITLE 18 PART 1 CHAPTER 63 § 1341 (Mail Fraud)
This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a “dishonor” and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated.
If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately.
Title 8 USC § 809. Validation of debts [15 USC 1692g]
(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of
Debt Validation Proof of Claim
the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
XXXX XXXX XXXX:
VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition.
Counter Claim with Self-executing Contract
If Respondent, such as by commission, omission, and otherwise:
(a) Fails to provide VALIDATION and PROOF OF CLAIM within thirty (30) days;
(b) Makes a false representation of the character of the herein above-referenced alleged debt;
(c) Makes a false representation of the legal status of the herein above-referenced alleged debt;
(d) Makes any threat of action that cannot legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act,
will be construed to be Respondent’s tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to:
(e) Voluntarily report this account to all credit bureaus as “paid as agreed;” and,
(f) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice; and,
(g) The matter regarding the alleged debt is finally and totally settled; and,
(h) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at
any time regarding this account and that they failed to disclose these material facts to Claimant; and,
(i) Voluntarily report the date of last activity on this account is the date of this notice.
Furthermore,
related law, and/or satisfy the above “terms and conditions,” constitutes RESPONDENT’S “Breach of Duty” and voluntary agreement to compensate Claimant, by certified mail, with a cashier’s check within thirty (30) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts:
I) XXXX XXXX Dollars ($XXXX) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondent’s unsubstantiated claim; and,
II) XXXX XXXX Dollars ($XXXX) for each transaction initiated by Claimant where Claimant’s commercial ability is impeded due to you, your agents’ or assigns adverse credit reporting; and,
III) XXXX XXXX Dollars ($XXXX) for each court appearance Claimant, their Agent or Heirs makes in response to Respondent’s unsubstantiated claims; and,
IV) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent; and,
V) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ($XXXX) which equals ($XXXX); and,
VI) XXXX XXXX Dollars ($XXXX) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimant’s credit history; and,
VII) Punitive damages in the amount of ($XXXX); and
VIII)Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs; fees and expenses incurred in defending against this and any and all continued collection attempts (by anyone) re the above- referenced alleged account
RESPONDENT also agrees to:
1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant; and,
2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process; and,
3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees; and,
RESPONDENT’S failure to “Cease and Desist” in accordance with the requirements of the FDCPA and other
Debt Validation Proof of Claim
4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrator’s authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimant’s claim against Respondent, in full, or any bankruptcy by Respondent.
This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable.
“Equality under the Law is PARAMOUNT and MANDATORY by Law”
NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns
Silence is Acquiescence/Agreement/Dishonor
Executed on this XX/XX/XXXX by, XXXX XXXX Agent for
XXXX XXXX. You are the second party that has written a letter purporting to represent, or have as your client, Chexsystem and or XXXX XXXX, the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented from my client. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt letter and or document, and is my duties to represent my client and make sure that my client is not violated of their consumer rights. I am sending this letter in regards to disputing part, or all, of the alleged debt until the following is received...
CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM, any original documents bearing wet signatures of my client.
Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. § 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.
1. Alleged Name and Address of Creditor
2. Name on File of Alleged Debtor:
3. Alleged Account #:
4. Amount of alleged debt:
5. Date that this alleged debt became/becomes payable:
6. Date of original charge off or delinquency:
7. Amount paid if debt was purchased:
8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judge’s inspection should there be a trial to contest these matters.
Debt Validation Proof of Claim
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as; FR 2046 balance sheet (OMB #’s 2046, 2049, 2099), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules
11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.
12. Verified specifically, name(s) of person(s) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.
13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.
14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.
15. Provide verification from the stated creditor that you are authorized to act for them.
16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 § 1341.
Disputing the Debt,
Dated this XX/XX/XXXX.
By: XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-21
Ft Myers, FL
Problem with fraud alerts or security freezes
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Complaint: Hello, Back in early XX/XX/2015 I had a bank account with XXXX XXXX XXXX. I was asked by someone i knew to deposit into my account via ATM a money order for {$200.00} and give them the cash. Unfortunately, i did. I thought because it was a legal looking money order that all was fine. I deposited it, gave her the cash and have found out that it was no good and she scammed me. Not only me, but 3-5 other people and she was caught/arrested. I currently though have a fraud activity on ChexSystems and its causing me major problems. Can you advise or help me on how to get this off my report? I am a victim of trusting someone and am really devastated that this is making ME look like the criminal. Please Help..TY
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-21
Crest Hill, IL
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-21
GA
Problem with fraud alerts or security freezes
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Complaint: Called the third party bureau and was told that I dont have an security freeze and Im still getting decline by banks and other creditors.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-20
Baltimore, MD
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-20
Johns Creek, GA
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
2019-08-16
Leehigh Acres, FL
Managing an account
Checking or savings account: Checking account
Cashing a check
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-16
Federal Way, WA
Problem with fraud alerts or security freezes
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Complaint: attached in this complaint are my I.d Docs for verification Went to apply for a credit union today ''XXXX/XXXX XXXX XXXX XXXX XX/XX/2019 but was told they could not grant me access due to a security freeze on my XXXX report, I have never asked or requested a freeze so i was shocked to be told of these news. I called multiple times to fix this issue but to no avail, I simply asking to remove the freeze if its there and to be sent a letter indicating this has been fixed to have the ability to open a new bank account with zero issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-15
FL
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Complaint: XXXX is report false data regarded my check writing and use and they are declining all my check transaction without a valid reason and they are refusing to give and a particular reason for the declines and they are also refusing to be transparent with me regarding the situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-13
OH
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Someone Used my account and deposited checks in my account. I tried to contact XXXX multiple times over the years to resolve this matter. I told them that someone stole my information and used my information and withdrew {$200.00} after depositing the checks. XXXX have not resolved this after 3 years and it still is reporting on my name and the account is charged off. The transaction happened on XX/XX/XXXX. I sent the information to them back in XX/XX/XXXX and they still have not resolved this matter nor responded. It was a chase liquid account and the account number is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation