Fidelity National Information Services, Inc. (FNIS)

2015-08-14

Henderson, NV

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-14

Burbank, CA

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-12

Manhattan, NY

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: I have called and called ChexSystems concerning incorrect information on my consumer reports and they have never once returned my phone calls. Recently, XXXX/XXXX/2015, I was refused an " XXXX University Student Checking Account '' with XXXX Bank because of incorrect information that ChexSystems has on my consumer report.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-08-11

Las Vegas, NV

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: ChexSystems, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX had release to XXXX, FALSE information about my credit report information, consequently, 4 applications for credit were denied injuring my rights to obtain credit. CheckSystems released outdated information, more than 7 years old, which not longer exists becuase of the statue of limitations are not longer legally to report to nobody. Also, ChexSystems provided an old address and phone numbers belonging to other people in other State which is FALSE. There is not any records of any jusgement against me, bankruptcy or liens filed against me by Federal or State goverments. My credit score with XXXX is above XXXX. Therefore, ChexSystems decision to publicly released FALSE information was intentionally made with the objective to inflict personal harm. As the result of ChexSystems'action my applications to obtain credit were rejected by 4 potential lenders. I affirmed that as long ChexSystems continues inflicting personal harm to customers like myself, this company should not be permitted to conduct this type of business.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-08-08

Wallington, NJ

Incorrect information on credit report

Credit reporting:

Personal information
Complaint: This is in response to clarify in simpler terms what my dispute with Chexsystem is about. I requested Chex-System to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following address 's I am here and now disputing as address 's that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED AT:XXXX XXXX XXXX XXXX XXXX , XXXX XXXXXXXX XXXX XXXX XXXX XXXX , XXXX XXXX- My Parents Address NOT MINE!!!! XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , XXXX XXXX. Please delete these address 's. Now concerning the inquiries that you have listed on your consumer report to me please delete these following inquiries because I did not authorize those Financial Institutions to look at my personal information:1. XXXX XXXX XXXX XXXX Date of Inquiry XXXX2.PNC BANK Date of Inquiry XX/XX/XXXX3.XXXX Date of Inquiry XX/XX/XXXX4. XXXX XXXX Bank Date of Inquiry XX/XX/XXXX5. XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX6. XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX7. XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX8. XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX9. XXXX Date : XX/XX/XXXX10.XXXX XXXX Date XX/XX/XXXX11. XXXX XXXX Date XX/XX/XXXX12. XXXX XXXX DAte XX/XX/XXXX13. XXXX XXXX XXXX Date XX/XX/XXXX14. XXXX XXXX Date XXXX15. XXXX XXXX XX/XX/XXXX16. XXXX XXXX XXXX Date XX/XX/XXXX17.XXXX Date XX/XX/XXXX18.XXXX XX/XX/XXXX19. XXXX XXXX XXXX Date XX/XX/XXXX20. XXXX XXXX Date XX/XX/XXXX21. XXXX XXXX Date XX/XX/XXXX22. XXXX XXXX Date : XX/XX/XXXX23. XXXX XXXX XXXX XXXX Date XX/XX/XXXXPlease Delete all those inquiries I have included the consumer report that you sent me and I have attached my Drivers License and my utility for verification of myself and my address
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-07

Wonder Lake, IL

Unable to get credit report/credit score

Credit reporting:

Problem getting report or credit score
Complaint: I went to get myself a Checking account and was told by the bank that ChexSystems had a fraud alert on my social security #, I immediately requested my report from Chex Systems. Exactly a week later I receive a report that is scrubbed of ANY identifying reported information. None of the sections in the report held anything besides the inquiries section. The cover letter however put together some excuse stating that " a discrepancy was discovered that associates the Social Security # you have provided to us with another individual 's account information. Therefore you file has been forwarded to the appropriate personnel for handling. We will contact the source of the information to request that they investigate the accuracy of the SS # ''. This of course removes my right to dispute the reported information because my report was scrubbed removing ALL reported information that had them flagging me as a Fraud. I do n't even get the ability to know who the reporting institution was to check with them. To me it seems ChexSystems now can have their " investigation '' take as long as they need and does n't allow me the right to dispute since their is nothing on the report to dispute. Seems to me this agency is NOT adhering to the FCRA, not to mention the emotional distress this caused, the loss of the {$200.00} incentive from opening the account and the time that was wasted I took to open the accounts.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-06

Wallington, NJ

Incorrect information on credit report

Credit reporting:

Personal information
Complaint: I have been disputing these items for at least 2 years and Chex-Systems states that they are validated and verified. First thing My name is XXXX XXXX XXXX which I have known as that since 1974 which is XXXX years. They have my name listed as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX which are all wrong and need to be removed. My Drivers License and Social Security card are attached for verification. The have License number listed which is n't mine and I have my Drivers License attached for verification and that information needs to be deleted as well. Then the address 's I have lived at : XXXX XXXX XXXX XXXX, XXXX XXXX for 8 almost 9 years. These addresses ; s are not mine : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX Rt XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX this is my parents address not mine please delete as well. I have attached the Chex Systems Report so that you can see it for your self. I have over XXXX inquiries from Credit Unions and banks that I did n't authorize to pull my information and I even notice XXXX banks reporting as NSF Activity that I want to be removed as well. One has a misspelling of my name and the wrong address and others I am disputed in invalid.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-05

Beaumont, TX

Customer service/Customer relations

Other financial service: Check cashing

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-05

Reno, NV

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I would say about 6 years ago maybe longer I messed up on a bank account XXXX for {$320.00}. I got contacted by the collection agency about 2 years ago and settled the acount to I think {$250.00} and paid it. Today I tried to open up with a credit union givin the fact I have had my bank account now in good standing for 2 years. They denied me for being in chexsystems for the account I had already paid off. I wish to have it marked as paid or settled or taken off or something becuase it is tarnishing my name.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-03

FL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I have XXXX XXXX XXXX reporting me to the ChexSystems due to Suspected Fraud Activity. They have closed my bank account and took over XXXX dollars in fees that I was unaware of. I have requested an amount owed to this bank or a detailed reason and list of references of this matter with my signature so that I can resolve it and have this reporting deleted. I am unable to open another bank account due to this reporting on ChexSystems. I have a XXXX balance with them and still have not been given any documents pertaining to the reason or evidence of why my bank account was closed and the reporting me to this company.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-02

MI

Incorrect information on credit report

Credit reporting:

Personal information
Complaint: To whom it may concern : I attempted a Second Chance Bank Account at XXXX XXXX XXXX yesterday in Michigan and the teller was unable to proceed due to the Fraud Alert based on my address being a " Restaurant/Bar ''. A mistake was made when the addresses were filled out, and not because of me. I used to have a " XXXX XXXX '' mailbox at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, MI XXXX. XXXX XXXX is similar to a XXXX XXXX allowing customers to get their mail at a box. XXXX stores down was the XXXX XXXX, a restaurant which has moved. I am unaware if a new restaurant moved in. There is also a XXXX 's store, a fitness gym, Social Security Administration. Please view the link which will show that the address XXXX XXXX XXXX XXXX is XXXX XXXX. XXXXPlease delete the wrong addresses. It is causing me financial harm and I never applied with these wrong addresses. Further more, I am a victim of Identity Theft. One of the police reports : XXXX XXXX, MI is XXXX.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-08-01

Adjuntas, PR

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-01

N San Juan, CA

Improper contact or sharing of info

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

Talked to a third party about my debt
Complaint: Upon presenting a personal check on XXXX separate occasions, merchants being, XXXX, and XXXX my. Check was refused. Advising me ceretgy advised them not to accept my check and that i need to contact ceretgy i did so XXXX times and each time i was told there was nothing in their system indicating a bad check. Or a debt in collection nothing
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-31

MD

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Chexsystem Consumer RelationsXXXX XXXX XXXX XXXX, MN XXXXInaccurate marks on my financial reports and failure to inproved the marks to obtain credit cards and bank accounts.Would like to know what laws can provide with me with failure to keep financial records accurate.Would like to request a Federal Bureau Of Investigations and XXXX XXXX XXXX Investigations on the ChexSystem Company.To resolve my burdens on financial living progress.And the damage they have caused.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-30

Lafayette, LA

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-29

San Francisco, CA

Incorrect information on credit report

Credit reporting:

Personal information
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-29

Hinkley, CA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I received a copy of ChexSystems and noticed I have XXXX accounts that are not my accounts and I am being help accountable.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-29

CA

Credit reporting company's investigation

Credit reporting:

No notice of investigation status/result
Complaint: I HAVE ATTEMPTED TO CONTACT THE REPORTING AGENCY, CHEXSYSTEMS, VIA MAIL SEVERAL TIMES IN REGARDS TO THIS REPORTING MATTERS. I HAVE ALSO TRIED TO INFORM XXXX XXXX XXXX ON THE REASON WHY I WAS SHOULD HAVE NOT RECEIVED CERTAIN CHARGES, YET THEY CLOSED MY ACCOUNT AND REPORTED ME TO THE AGENCY. DURING THAT TIME-FRAME, I WAS NOT IN THE CORRECT MIND-FRAME TO BEING KNOWLEDGEABLE OF WHAT PROPER PROCEDURE TO TAKE TO HANDLE THIS ISSUE. I WAS A COLLEGE STUDENT AND A XXXX WHO WAS DIRECTLY FOCUS ON MY XXXX CAREER AND MAKING A BETTER LIVING FOR MY CHILD. I WAS SEEKING HELP FROM BRANCH BANKERS, CUSTOMER SERVICE REPS & THE REPORTING AGENCY YET NO ONE GAVE ME THE DIRECTION TO HANDLE THIS ISSUE. I FEEL I HAVE NOT BEEN GIVEN A FAIR OPPORTUNITY TO HANDLE MY PERSONAL BANKING ISSUE AND WAS TOSSED AROUND TO VARIOUS DEPARTMENTS WHO COULD NOT FURTHER ASSIST ME. IN ADDITION, THE REPORTING AGENCY STATES THEY ONLY HOLD THE REPORT FOR 5 YEARS AND THIS ISSUE HAS MADE ITS 5 YEAR ANNIVERSARY MARK THIS XXXX 2015. ACCORDING TO THEIR POLICY, AFTER THE 5TH YEAR IT IS THEN REMOVED FROM THEIR AGENCY.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-07-28

Lk Buena Vis, FL

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: I am resubmitting a complaint to chexsystems because in their response they refused to remove the fraudulent inquiries that have appeared on my chexsystems file due to my police report date not being close to the new fraudulent inquiries. I have filed another police report listing XXXX and XXXX. I have not received the letter they stated they sent with the new report. I have yet to see what is on my Chexsystems file but the only inquiries that should be listed are XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Any other inquiry on my file is fraudulent. I also never requested for a fraud alert on my XXXX file. They mentioned that I can dispute through them XXXX to remove the fraud alert on my consumer risk file XXXX.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-27

Sm, KS

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-27

Waupun, WI

Disclosure verification of debt

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

Not given enough info to verify debt
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-27

Arsenal, PA

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-27

CA

Managing, opening, or closing account

Prepaid card: General purpose card

Complaint: To Whom It May Concern : When I try to access my prepaid rewards card account I am told that I must answer 4 security questions. First of all, none of the XXXX XXXX Q.s apply to me, and second, why would I share my personal info with a 3rd party, Fidelity National Information Services, which is not XXXX Bank where I have an account and earned the rewards?!! In any case, this is more security than I have been asked for by any bank, and it only makes it much harder to use the card, so Fidelity National Information Services can subtract more fees, or force me to call to find out my balance ( which I need to use the card! ), and then be charged even more fees. It is common knowledge that these prepaid " reward '' debit cards are a giant scam by the financial industry : I suspect that a large % of the value of these prepaid cards is lost by consumers due to these perverse tactics.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-25

NJ

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: CHEXSYSTEMS HAS A VERY LOW SCORE ON ME BUT CAN NOT TELL ME WHY. THEY HAVE NO ADVERSE INFORMATION IN THEIR REPORT, YET WILL NOT RAISE MY SCORE. I HAVE NOT BEEN ABLE TO KEEP A BANK ACCOUNT OPEN FOR SEVERAL YEARS. I NEED YOUR HELP, PLEASE
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-25

Antioch, TN

Incorrect information on credit report

Credit reporting:

Account terms
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response