Fidelity National Information Services, Inc. (FNIS)

2016-05-08

San Diego, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

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

2016-05-08

MN

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: There are unauthorized and fraudulent credit inquiries listed on my Chex Systems consumer report that do n't belong to me. This is my second complaint against Chex Systems in regards to this matter. I filed a police report with the XXXX Police Department in regards to the unauthorized and fraudulent credit inquiries listed on my Chex Systems consumer report. I was given a police report case number which is : 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

2016-05-07

Washington, DC

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Complaint Source : ChexSystems -- a reporting source to the financial institutions in reporting consumer data activity adverse and derogatory. ChexSystems provides similar services as an official credit / credit reporting agency. ChexSystems - Consumer Relations in XXXX, MN provides consumer reports with an ID # XXXX -- dated report received XXXX XXXX, XXXX for consumer XXXX XXXX -Social Security # XXXX. ChexSystems listed inquiries pertaining said consumer ; and listed Personal information as a profile and adverse reported information from its merchants, members, subscribers, creditors etc. ChexSystems has listed data provided to them by XXXX Bank on this consumer report. Consumer has disputed said data several times with ChexSystems. ChexSystems claims they investigate the data with the source / creditor / institution and provide a similar dispute investigation as credit bureaus to consumers. ChexSystems received a dispute letter XXXX XXXX, from consumer in relation to items listed by XXXX Bank ; which are in error and possibly the statue of limitations have expired. ChexSystems, does not remove the data nor do they intervene in any dispute ; unless the source provider makes modifications and rermove data. Therefore, leaving the consumer with no alternative nor option to repair, recover and/or remove said data. Consumer has requested ChexSystems to provide documentation, data details and vigorously investigate the dispute. All ChexSystems, have provided ; is the verification of name, address, SS # and the information as accurate within the ( FI ) financial institution ( s ). Consumer contends ChexSystems, damages consumer 's ability to regain financial or banking services due to data on their reports. If the data is inaccurate other than making notation of the dispute ; investigate the matter and remove it ; within the statue of limitations, and/or remove the data if it is n't factual. ChexSystems, is n't taking responsibility for errors in data provided to them ; however, is n't taking measures to correct, repair and validate the data either. ChexSystems ; provides adverse / derogatory data about consumers from their database sometimes ; without evidence ; other than data received from subscribers, merchants, creditors, or members of ChexSystems. -- The consumer is left with no other option ; than to suffer the consequences from this information as reported. Mostly, if its outdated, in error and without merit. Consumer contends ChexSystems should remove adverse data from consumer 's file until disputes are validated, investigated and cleared by said institution, creditor, vendor, merchant, subscriber etc. Moreover, ChexSystems should be held accountable for damages incurred to consumer for reporting invalid, erroneous, inaccurate, unsubstantial data against a consumer. Consumer has requested ChexSystems to remove data which is outdated and/or expired statute of limitations. To date, XXXX XXXX ; neither ChexSystems nor the reporting source have accomplished this request.
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

2016-05-05

VA

Unable to get credit report/credit score

Credit reporting:

Problem getting report or credit score
Complaint: I tried to open an XXXX checking account, and I was denied even though my credit score was over XXXX. With seven years of a full time job, no student debt, auto loans, or any loans period, I was denied a savings account even though I already have XXXX at XXXX XXXX XXXX. After my first denial, I called XXXX XXXX, and the company encouraged me to try again, stating they did not conduct a " hard credit check. '' After my third try over five months, I finally received a letter from Ally, stating CHEXSYSTEMS INC was unable to verify my identity. Then, in order to gain access to the full report, I had to complete a form on CHEXSYSTEM 's website that asked for everything from my current address to my social security number - extremely sensitive information. Instead of completing their application, I called the listed number ; however, the only thing the company has on the end of the line is an automated voice mail. In addition, XXXX was unable to " supply specific reasons why [ they ] have denied [ my ] application. '' So, after being promised my credit score would not be affected, my score actually dropped over XXXX points!
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

2016-05-03

Mill Creek, IN

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

2016-05-02

Toms River, NJ

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

2016-05-02

Key Biscayne, FL

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Hi, My name is XXXX XXXX, I have an account with XXXX XXXX XXXX XXXX. I have been disputing with them because on NUMEROUS Fees which I was never made aware of nor are they written any where. About 2 months ago I went through some financial hardship and my account Overdrew. I became very busy looking for a new job and did n't when until I began getting statements and constants calls from Chexsystems about owing them more than {$1000.00}. Whem I looked at my statements I was being charged redicoulus fees. I was allowed to continue using my card and for example, I spent {$1.00} in parking and they charged me {$180.00} as an over Draft fee and like that many more. I never agreed to such Bullying. Now I cant open an account in any other bank ( I have the letter ), my credit is being affected. I have to do everything in cash, which is almost impossible in this era, They are ruining me and bulling me by reporting me to such an agency and paralyzing my life financially. I am trying to buy a car to take my kids to school and me to work and I cant. I have been on public transportation due to this mess. I need this removed from my consumer report and resolve this issue immediately. Please Help Me. 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

2016-05-02

Bentley, MI

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

2016-04-29

Largo, FL

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

2016-04-27

Bethel, WA

False statements or representation

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

Attempted to collect wrong amount
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

2016-04-27

PA

Charged fees or interest I didn't expect

Payday loan:

Complaint: All i want is my life back chexsystems saying i do n't owe anyone then why I 'm i not able 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

Disputed: No Timely Response

2016-04-26

Camden, NJ

Account opening, closing, or management

Bank account or service: Checking account

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

2016-04-25

Bartlett, 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: No Timely Response

2016-04-23

Chicago, IL

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: I 'm a XXXX adult and I 'm positive that I have not made over XXXX inquiries into my credit report. I also see mistakes in account reports and in delinquent reports, because the delinquencies are due to being repeatedly ignored on the phone to give proper insurance information. Furthermore, I do n't know how to get help with a XXXX committed against me that may be effecting my credit. The manager of an XXXX store in XXXX named XXXX XXXX pushed me physically out of the store because she said I 'm too " XXXX '' to have an account with them, immediately after I asked her to speak more slowly due to a 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: Yes Timely Response

2016-04-22

Phila, PA

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

2016-04-22

Wallington, NJ

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: Per previous request here is a notarized FTC affidavit, police report and I am disputing XXXX charge off entries on my consumer report with Chex Systems. I am disputing these entries with chex systems. The reported information that I am disputing is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also disputing the inquiries that were associated with these accounts.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-21

Salem, OR

Unable to get credit report/credit score

Credit reporting:

Problem getting my free annual report
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-21

TX

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I applied for a checking account with XXXX and received a declined notice. CheckSystems sent a response to my inquiry of their investigation of my records however, all I see noted is " no information found '' and numbers and references to their review but nothing is clear as to a cause for a decline of a checking account. I sent a dispute on XXXX but if the original report fron CheckSystems was clearly understandable as to what and why my request with XXXX was declined there would be no need for another request. A clear notation in CheckSystems report would eliminate the need for another letter as that should be a standard practice for any reporting agency. My time is valuable as well and if the report was clear as to the reason for decline I would n't have to resubmit another request for clarification. There should be clear reporting standards instead of having to spend more time understanding what the report from CheckSystems or any credit reporting agency is clear, concise and understandable for any one at any educational level.
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

2016-04-20

South Florida, FL

Improper use of my credit report

Credit reporting:

Report improperly shared by CRC
Complaint: I have a major problem with chexsystems!! they blocked me from every bank in the country without just cause. I sent a notice of cease and desist and another letter they ignore my letters, when I made numerous calls the customer relations are ignorant and play silly word games with me. chexsystems refuses to give me reason for their criminal actions, they have already committed code violations by not responding to my communication, they also are reproting on a UNVALIDATED debt. plus over XXXX XXXX XXXX I did find out from XXXX XXXX XXXX, chexsystems forces me to contract with them and keep asking me for my personal and private information so they can store, use, and access my information WHICH I DO NOT CONSENT, chexsystems has caused me very extensive damages. and to this day i can not do any business online either, its like my whole life is blocked, I did file a lawsuit against them but they hired a bigtime lawyer is also a big liar you can reach me at XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX thank you for your tima
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

2016-04-19

Lewisville, TX

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: I have a dispute with chef systems for an nsf check dated XXXX XXXX XXXX. My ssn is XXXX do XXXX XXXX XXXX. It 's in the amount of XXXX from alliance bank. I have never had an account through then and I want proof of this check and who it was made out too. That 's part of the verification of debt. I want a copy of this check and something with my signature agreeing to pay any fees associated with this company
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

2016-04-19

Oxford, GA

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: The man I worked for in the XXXX at a XXXX. He wrote me XXXX hecks and i put them into my account and they bounced. He didnt even have the monies in his account! So my account was then closed. The second time someone stole my card and used it to make fraudulent transactions.
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

2016-04-13

Houston, TX

Making/receiving payments, sending money

Bank account or service: Checking account

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

2016-04-12

Baltimore, MD

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 Timely Response

2016-04-11

Wallington, NJ

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: I am disputing the inaccurate information the Chex-Systems has on my credit report. I initially submitted a police report on XXXX/XXXX/16 and Chex Systems only deleted the items that I mentioned in the letter and not all the items that were actually listed on the police report. In other words they wanted me to say word for word to them what items were fraudulent. The total disregard of the police report and what accounts that it states that are fraudulent. If they just had paid a little closer attention to the police report I would not been in this position now and they would n't have to research once again. I would like the reported information to be removed : 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

2016-04-11

Sylvania Township, OH

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: This company has reported an account to the credit bureaus which is currently reflected as.negative.information on my credit file. As a result I have received adverse action and high interest rates. I never received any notice or a right to dispute.this account. The debt is in the amount of XXXX and this company never served.me.any notice, gave the right to dispute.nor have they validated this information as it is requires.by law.
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