Fidelity National Information Services, Inc. (FNIS)

2019-08-13

Redding, CA

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

2019-08-13

West Memphis, AR

Problem caused by your funds being low

Checking or savings account: Savings account

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

Timely Response

2019-08-13

Medford, OR

Opening an account

Checking or savings account: Checking account

Unable to open an account
Complaint: I wanted to switch banks at the beginning of XX/XX/XXXX, I requested an account at XXXX XXXX XXXX of XXXX, Oregon, they took my application but declined to open an account because they said XXXX declined me. They cited credit score as a reason. I showed them my credit score using my telephone ( I have credit monitoring with my XXXX XXXX credit card ) the XXXX XXXX score was XXXX. I had been with XXXX XXXX XXXX XXXX from XXXX till XXXX when I switched to XXXX XXXX where I have banked since then, I left a clean closed account, and I have had a spotless record with XXXX XXXX as well. There is absolutely no reason to turn me down for a checking account. My bills are all paid, I have never even had a late payment, I can count on less than one hand the NSF fees I have had in the last 10 years. I then went to check with my former banking institution ( XXXX ) to see if they had been reporting some kind of problem I did not know about, they were not, and they also attempted to open an account for me, again XXXX declined, but the agent helping me said they saw no reason I should be turned down, there was nothing that would constitute a reason in my record for a decline. She overrode XXXX XXXX decline and opened an account for me. I still wanted to get to the bottom of why I was being denied banking services so I demanded a copy of my XXXX record and while they have my address listed essentially correctly they say I have been there only 2 months and they have the address listed 6 times with only very minor variations, such as the ZIP+4 then again the ZIP without the +4, once it says XXXX XXXX and the next line it says XXXX XXXX, all of them would not result in mail being returned. They also have my prior address right once and wrong once, on one line they leave off the apartment number. The street address otherwise is good. Other than that there is nothing notable about the report. They also have my name as XXXX XXXX ; XXXX XXXX XXXX ; and XXXX XXXX XXXX, all technically correct and no reason to decline to open an account. I can not help the way people report my information, but anyone can see the name matches the rest of the information. Information from XXXX XXXX XXXX XXXXs section is wrong though ; Time in current address = 2 months, that is wrong, I have been here 6 months, number of address changes reported in the last 12 months = 2, that also is wrong, I moved once from XXXX XXXX to Oregon. those are the only things that could possibly factor into this, wealth index 3 completely average, total number of NON DEROGATORY records 5. Part of the problem here is that they simply hide behind you and the law not to tell us why we are being turned down. I take home XXXX dollars of tax exempt pay per month from the US Treasury ( VA XXXX and social security XXXX ). I have no debt other than my auto loan, and one small credit card. I do not have and can not be billed for medical care as a XXXX XXXX XXXX vet, those expenses are covered in full. If ever there was the opposite of a bad risk for mishandling a checking account it is I. I want to know why they denied me banking, and to be far more diligent on monitoring the records of those declined for accounts, clearly this is some sort of automated computer risk assessment gone bad, the computers there saw one comma missing from a reported address and listed it as a new address. Apparently. Applications rejected should be required to be reviews by a human being.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-12

N Hollywood, CA

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

Timely Response

2019-08-12

Gilbert, AZ

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

Timely Response

2019-08-12

Gilbert, AZ

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

Timely Response

2019-08-12

Mount Holly, OH

Opening an account

Checking or savings account: Checking account

Unable to open an account
Complaint: This agency Chex Systems refuse to follow the laws and release updating correct info on my credit file with their agency. Chex systems continues to discriminate against me on a personal matter from me having a XXXX XXXX XXXX acct. that was paid off some years ago. XXXX said they contact Chex systems years ago asking them to update that my debit was paid in full with XXXX XXXX XXXX. I have been in great not good ... GREAT! stranding with XXXX XXXX XXXX since XX/XX/2015. I do not know what chex system problem is but I need this discrimination against me to stop! XXXX XXXX XXXX tries to open me a checking acct and saw that these idiots chex systems still has a block on me nationally so I can not open any checking acct anywhere. I am so sick of this agency not having current update info. Chex Systems, Inc.Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN 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

2019-08-12

NJ

Incorrect information on your report

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

Information belongs to someone else
Complaint: I am been a victim of identity theft. I have been a victim of this terrible issue which caused XXXX XXXX to close down my account and force Checksystem to put fraud alert on my account meaning I can not get any checkings account with any other bank. I am putting a claim in against checksystem because I want checksystem along with consumer financial protection Bureau along to find my innocence behind this identity theft matter. I am willing to help yyou guys fully investigate to also find my innocence. This issue have held me back in recent days. Please work with me to find my innocence against the identity theft crime.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-09

Casselberry, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-08

VA

Problem with a company's investigation into an existing issue

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

Was not notified of investigation status or results
Complaint: I have contacted ChexSystems after being denied a free checking account with XXXX XXXX XXXX. I was told by the employees at ChexSystems they did not have the reason as to why. Upon their request I inquired with them for my report. Nothing show derogatory on the report and there is not explanation as to why XXXX XXXX would make this decision. I then emailed ChexSystems again asking for a more detailed explanation. I made the request over 2 weeks ago. I apologize I do not have the exact date of my second request. The original request was received the end of XXXX. My Consumer ID is XXXX. All I'm asking is for an explanation as to why I would be denied a free checking account. I currently bank with XXXX and am in very good standing. Thank you for your time with this matter, 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

2019-08-07

Inman, SC

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

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

Investigation took more than 30 days
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-07

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: I am a victim of identity theft. I have sent several certified letters over to your company to only get no response and ignored. As a consumer i feel that my rights were violated which i will state several violations.I will file a petition in small claims court for Defamation, Violation of the Fair Credit Reporting Act, and Negligent Enablement of Identity Theft. The Chex System has ruin my life and put me in great pain, In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater : ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. ( c ) Attorneys fees. Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Attorneys fees. On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-07

Crown Hill, WA

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

2019-08-07

Houston, TX

Closing an account

Checking or savings account: Other banking product or service

Company closed your account
Complaint: XXXX report shows no derogatory remarks yet I have to open a bank at a second chance bank. XXXX XXXX XXXX closed my account and wouldn't tell me why and neither will XXXX. I was a XXXX XXXX XXXX customer for 2 years.There seems to be some confusion regarding my address. I was living at my mom 's house in XXXX then I got my apartment in XXXX which according to the XXXX XXXX XXXX is XXXX XXXX XXXX XXXX My fiance has the gas bill with this address listed. However when applying for or paying for goods and services, bills etc, a few companies use data entry systems, ( such as the bank I currently bank with XXXX ) that absolutely do not allow the employee entering your information to type the / symbol as part of your address. My consumer ID is 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

2019-08-07

Oakland, CA

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

Timely Response

2019-08-05

Edgewood, FL

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

Timely Response

2019-08-02

NV

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: A lthough I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into a open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-01

Johns Creek, GA

Incorrect information on your report

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

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

2019-08-01

Bronx, NY

Opening an account

Checking or savings account: Other banking product or service

Unable to open an account
Complaint: Am in desperate need of help Ive been banking with XXXX for 9 years now. I work very hard to make my money the correct way. I made the mistake of trusting someone close to me. I know this person since I was a child, he knows everything about me. He got a hold of my card and deposited checks because he knew my information. I honestly was working this day and had no clue what was going on. I went to XXXX and explained but they claim since the person knew my information theres nothing they can do and that my account will be closed. Mistakes happen all the time what about how long Ive been banking with you guys that does not count? How I never committed anything wrong, not only am I not allow to get a chance but I cant open with no other bank! XXXX has me as fraud this is not fair. It has me depressed please me or give me another chance. Ive been to every bank and they all tell me XXXX has me on fraudulent therefore I cant bank with them. Please I am begging for some help it really was not me!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-01

Atl, GA

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

2019-07-31

Great Notch, NJ

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

Timely Response

2019-07-30

Raleigh, NC

Incorrect information on your report

Checking or savings account: Other banking product or service

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

2019-07-30

Boynton Beach, FL

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

2019-07-26

Brier, WA

Getting a loan or lease

Vehicle loan or lease: Loan

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

Timely Response

2019-07-24

Del Rosa, CA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response