Fidelity National Information Services, Inc. (FNIS)

2016-10-26

Monterey, IN

Incorrect information on credit report

Credit reporting:

Reinserted previously deleted info
Complaint: Several months ago, I faxed ChexSystems proof that my Bankruptcy was XXXX. They, in turn, agreed to remove all derogatory information from my file as the items were included in my bankruptcy. I applied today for XXXX XXXX XXXX account, and was denied due to information Chexsystems is reporting. Since I 've not opened a bank account post-Chapter XXXX discharge, Chexsystems has not complied with their promise to clear all information from their records. Attached is my personal ID to help expedite my request - which should have been honored 5 months ago. But was not.
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

2016-10-25

Arlington, VA

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

2016-10-25

Main Office, VA

Taking/threatening an illegal action

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

Threatened arrest/jail if do not pay
Complaint: A " bad check '' legal debt collection efforts - No phone calls and only one letter from collection agency indicating the proper debt. After 33 days another threatening letter directly from XXXX XXXX 's Attorney 's Check Enforcement Program threatening criminal charges and forced payment of excessive penalties and charges for a " Financial Training '' scam class - all to avoid prosecution for a single late paid " bad check '' debt. The " bad check debt '' of {$36.00} plus a penalty of {$50.00} was paid directly to the collection company in full settlement of the debt precisely 6 days from the date of the notice from the XXXX 's Attorney 's Office. No other liability exists other then to the " XXXX XXXX '' XXXX leveled against me by this collection agency. I find this entire matter reprehensible and the collection agencies methods to be totally out of bounds with regulatory authority. Further, I feel that without proper notice ( only XXXX correspondence letters received ) and disclosure - They have stepped out line and the agency is improperly using a state 's attorney 's office to both harass and penalize a " debtor '' over a collected and paid debt/mistake. I can supply all correspondence and copies of payments made should you require that detail. Lastly I think this collection agency is using the State 's Attorney 's office improperly and very likely illegally to collect a debt not within the authority of XXXX XXXX. In my opinion XXXX XXXX office is being played like a sucker and a chump by this collection agency.
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

2016-10-24

Murray, UT

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: Debt was included in Bankruptcy
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

2016-10-20

N San Juan, CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Hello, I am writing to dispute information on my consumer reporting file. I have been a victim of identity theft and believe there is false information on my file. Specifically, I have been living abroad for 3 years and I learned that while I was abroad my identity was used by a third party, potentially family member, who had my information and was aware that I was out of the country. Please remove all records for the past 3 years as they are not valid nor a result of my actions. I have not utilized a XXXX account during my time XXXX, thus any records for this time period are likely from fraudulently opened accounts. Attached is a relevant IC3 report for your reference.
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

2016-10-18

Salton City, CA

Customer service/Customer relations

Other financial service: Check cashing

Complaint: I went to cash my payroll check at XXXX and it was declined they said because of what was reported by Certegy Check Services. I contacted Certegy and got a report the report only states the transaction fell out of the guidelines when I called them to get more clarification they said they use a system and because of that system my check was an at risk check, but they could not give me any specific guidelines as to why. XXXX should not be using a company that will decline people payroll checks because of some system they use that will not disclose why. That company should not reporting anything if they can not disclose specifics that is unfair and unethical.
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

2016-10-15

Dekalb, IL

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: Yes Timely Response

2016-10-14

Bloomington, MN

Credit reporting company's investigation

Credit reporting:

Inadequate help over the phone
Complaint: On XXXX/XXXX/2016 I sent a certified letter to Chexsystems regarding XXXX items on my consuymer file. In my dispute I asked for Chexsystems to validate this information and provide me with copies of any documentation associated with these accounts. I also, asked that in the absence of any such documentation bearing my signature theat this information be immediately deleted from my file that they maintain under my social security number. On XXXX/XXXX/2016 and XXXX/XXXX/2016 I received letters from Chexsystems stating that their investigation was complete. The letter states that the accounts have been verified as accurate as reported, therefore it would retain in my file. The letter gives me contact information for the bank. It also states that if I request, Chexsystems will provide a description of the procedure used to determine the accuracy of the disputed information in my file. On XXXX/XXXX/2016 I called Chexsystems to request the procedure used to verify the accuracy of the disputed information in my file. I spoke with XXXX a representative who stated that they contacted the bank and the bank told them that it was my account. I asked what documentation was received to verify the accountt he was not able to provide me an information to verify the account. I asked if the obtained any documentation bearingmy signature? He stated that if I wanted that documentation I need to contact the bank at the number listed in the letter. I again asked for verification of proof that the account was verified and valid and he could not provide any such documentation. I requested to speak witrh a supervisor. He took my name and number to have a supervisor call me back. Today XXXX/XXXX/2016 I received a call from XXXX a supervisor at Chexsystems. I discussed with XXXX the same infromation as I did with XXXX the previous day. I asked for the procedure and documentation showing this account belonged to me and that they were inacurately reporting information as they are not able to provide documentation bearing my signature. XXXX continued to say that I could contact the bank and I continued to request the process they used to verify the account. I said what did they provide to show it was accurate she stated the bank told them it was verified and accurate. After several attempts to request their procedure and documentation I considered it a failed attempt and advised XXXX that I would be contacting the Consumber Financial Protection Bureau. She stated to give her a minute and placed me on hold and then came back and stated that I needed to contact the bank for verification. My XXXX account is still pending. On XXXX/XXXX/16 I placed a security freeze on my file.
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

2016-10-12

Fair Oaks, CA

Cont'd attempts collect debt not owed

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

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

Disputed: No Untimely Response

2016-10-11

Shulerville, SC

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: When attempting to buy a generator after a hurricane my check was declined by Certegy Check Services. I have had multiple problems with them in the past with declining checks saying I did n't have enough history with them. When I was finally able to get a check approved Certegy sent it off to collections with in a week saying it was unpaid even though my bank shows it paid after talking to them it was found to be an error and they where going to send a letter to me to get my fees refunded from my bank and that never happened. That has made me loose several XXXX dollars in fees to my bank. Fast forward to today when attempting to call for three days in a row since XXXX XXXX and wasting 6 hours I can not talk to anyone to figure out the issue. Certegy has not learned from the FTC lawsuit and is still preventing customers from spending their own money. Their VIP program that is supposed to make writing checks easier is a joke. It is just a way to force consumers to do business with them. I am tired of having to waste my checks that I have to pay for.
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

2016-10-10

Wann, OK

Credit reporting company's investigation

Credit reporting:

No notice of investigation status/result
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

2016-10-10

Ft Myers, FL

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I have been using a XXXX prepaid card for several years. Mostly so that my daughter who lives out of state can get access to money quickly if she runs short on cash. The last three times I have tried to make a deposit to my card, the deposits have been declined by Certegy Check Services , Inc . I keep getting reason code XXXX. Since this has happened to my last XXXX deposits, which are small amounts, under XXXX I contacted Certegy to see what is happening. I had to fill out a form to fax or mail with my banks routing and account information, SS # and drivers license info. The FAX number at Certegy does not WORK. XXXX. It literally never picks up. Calling into Certegy you never get to speak to a real person. I am feeling very scammed here with this Certegy company. They are stopping me from using a convenient service that I 've used for five or so years. My complaint is not towards XXXX. It is towards Certegy Check Services , Inc, XXXX XXXX XXXX, Fl. XXXX
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

2016-10-04

Cleveland, OH

Making/receiving payments, sending money

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 Untimely Response

2016-10-03

Baton Rouge, LA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: i went to go cash a check and it was not authorize and i did not know why the cashier gave me a receipt sayin i had to contact CERTEGY CHECK so i did they and sent a letter Sayin no information on file
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

2016-10-03

Grosse Ile, MI

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-01

San Antonio, TX

Credit reporting company's investigation

Credit reporting:

Investigation took too long
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

2016-09-30

Gardnerville, NV

Unable to get credit report/credit score

Credit reporting:

Problem getting 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

Disputed: No Timely Response

2016-09-30

Carrollton, TX

Incorrect information on credit report

Credit reporting:

Public record
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

2016-09-30

Little Rock, AR

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I had an account opened at XXXX without my knowledge. My identity was stolen several times by unknown persons. There have been several ID complaints files with FTC. So I had to file bankruptcy because of the theft. I contacted ChexSystems about accounts at XXXX to be removed from file an the refused to remove. These accounts were discharged in a chapter XXXX XXXX/XXXX/2013. They want remove because bankruptcy was filed before they were reported to them. Well quite natural the accounts were closed way before they got reported.
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

2016-09-29

Sacramento, CA

Communication tactics

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

Called outside of 8am-9pm
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

2016-09-28

Ft Wayne, IN

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: CHEXSYSTEMS IS UNLAWFULLY REPORTING XXXX AS ACCOUNT ABUSE AND XXXX REPORTING OVER DRAFTS. THIS ACCOUNT BELONGS TO PRIMARY ACCOUNT HOLDER.
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

2016-09-27

Lafayette Hl, PA

Credit monitoring or identity protection

Credit reporting:

Problem with fraud alerts
Complaint: I applied for membership to a credit union. The credit union told me they could n't pull my ChexSystems report due to a Security Freeze. Knowing that I did n't place a Security Freeze, I called ChexSystems and they confirmed that I DO NOT have a Security Freeze in place. The credit union kept insisting that a Security Freeze was in place. I ordered & received a physical copy of my ChexSystems report and it shows that I DO have an active Security Freeze on my report ( which I had never placed ). ChexSystems does n't seem to know what to do about the discrepancy and does n't seem in any hurry to figure it out. I 'm a real estate investor, so every day that goes by that I ca n't join this credit union and apply for a mortgage is a potential lost deal/money.
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

2016-09-26

Brooklyn, NY

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

2016-09-25

N San Juan, CA

Incorrect information on credit report

Credit reporting:

Account status
Complaint: To whom this may concern, This is a follow up to my previous letter sent on XXXX XXXX, 2016 that has not received a response. I have become suspicious that there is incorrect and outdating information on my Chex Systems file as a result of identity theft. Please provide me with digital copies of my report and further be advised that I have been living outside the country for the past 3 years and have not used a XXXX bank account. I believe my identity may have been stolen by an opportunistic individual with access to my information and knowledge that I am outside of the US. Therefore, I also submit a formal dispute to delete all records submitted to my file within the past 3 years as they are most certainly the result of identity theft. I have attached the necessary information to verify my identity. Sincerely Yours, XXXX XXXX XXXX
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

2016-09-23

Sacramento, CA

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