Fiserv Finxact Core

* * Company Name : * * XXXX XXXX * * Product/Service : * * Merchant services/ payment processing * * Issue : * * Billing dispute, collections, account cancellation * * Complaint Details : * * I am submitting this complaint regarding improper billing, failure to process account cancellation, and unjustified collection activity by * * XXXX XXXXXXXX * *. I made multiple good-faith attempts to cancel my XXXX XXXX account via phone. Despite repeated requests, XXXX XXXX failed to process or confirm my cancellation. Due to this lack of response, I was forced to place a stop payment to prevent further unauthorized withdrawals from my bank account. After placing the stop payment, XXXX XXXXXXXX continued to assess charges, including : * A $ XXXX monthly service fee after my cancellation request * A {$100.00} collections fee, despite the account being disputed I dispute all post-cancellation charges and do not acknowledge this alleged debt as valid.…

Read full complaint at CFPB →

In XX/XX/year>, I was approached by a representative named XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX. He promised a flat monthly fee of {$25.00} with no hidden costs. Despite this, the company began overcharging me. When confronted, XXXX XXXX admitted the error in writing, stating, " I apologize, that was my mistake. I am fixing it now. '' However, the charges were never corrected. I have repeatedly requested a copy of my signed contract and terms of service, but the company has consistently ignored my requests. Due to their breach of agreement and refusal to provide documentation, I stopped using the service and requested instructions to return the equipment, but received no response. Now, I am being harassed by a collection agency for {$1000.00}, which I dispute in its entirety.

In XX/XX/XXXX, I returned leased equipment to FDMS / First Data in accordance with the instructions provided by their representative. I have written confirmation from a First Data representative acknowledging that the equipment was returned, and I provided the tracking number associated with that return. Despite this documentation, FDMS has continued to charge my account approximately {$31.00} per month for over XXXX years for equipment that I no longer possess or use. These charges total thousands of dollars. I have repeatedly provided proof of return and communicated with FDMS to resolve this issue. Each time, FDMS has demanded a shipping receipt that is no longer reasonably available, while failing to recognize the return, update the lease, or issue a refund. FDMSs continued billing constitutes unauthorized, improper, and potentially unlawful charges.…

Read full complaint at CFPB →

The company was XXXX. I initially contacted this company to facilitate online and other purchases from customers. I was informed that there would be a one time [ lifetime ] charge of {$150.00}, but I would be informed as to when that charge would be made. I complied with the information that was needed to set up an 'account ' with this company. The initial contact was on or about XX/XX/year>. After being inundated with so many emails from this company regarding one thing or another that they needed, I decided that I was not comfortable with this and reached out to the salesperson that set up the account. She was not available, but said that she would be to answer questions. I called several times. Then I called the people that her voicemail indicated could assist if she was not available. I find that one of the people was no longer with the company and I did suggest that she change her voicemail accordingly. The other person 's mailbox was always full.…

Read full complaint at CFPB →

I am writing to dispute a fraudulent transaction in the amount of {$430.00} that has appeared on my account. The business listed in the transaction is not legitimate, and the individual or entity responsible is falsely representing themselves as XXXX. I contacted the real XXXX and spoke with a verified live agent, who confirmed that there have been no transactions or activity on my XXXX account since XXXX. My last legitimate purchase through XXXX was made in XXXX and is paid in full and in good standing. I have provided all documentation supporting this, including proof that the merchant name, address, and phone number associated with this charge are fake and not listed with the XXXX XXXX XXXX ( XXXX ). The listed phone number is invalid and does not accept incoming calls. XXXX also confirmed that their official contact information does not match the information tied to this charge.…

Read full complaint at CFPB →

Our company name is XXXX XXXX XXXX, locate in Washington DC. There was a customer acted in bad faith and dispute all her money back after she received the product and services from us. She used XXXX, which is her credit card company, disputed the chargeback with Clover. There were copy of digital receipts she made the payment stored on Clover, so I don't understand why Clover couldn't protect our right. With all her lies, she got the money back and we were unfairly lost without proper investigation. I called Clover customer service many times and requested to send more evidence but there was no response. They asked us to talk to the customer directly. How ca we talk to the customer as she was the one who scammed us by lying and got her money back. We are very upset and disappointed of how Clover handles the situation. If every customer like her, we will lose money after all our hard work and won't be able to operate the business anymore.…

Read full complaint at CFPB →

I'm a physically XXXX XXXX homeowner who's home was severely damaged when a huge tree fell onto my roof. I had to be rescued and my homeowner insurance company provided XXXX XXXX XXXX until XXXX XXXX could be found. My homeowners insurance coverage provided funds for basic essentials since I left my home with basically nothing. I've consistently have encountered issues with XXXX XXXX XXXX XXXX frequently denying my purchases based on the premises of irregular purchase. XXXX XXXX results in Irregular Purchases when your home is damaged resulting in lose of access to everything a human being needs to survive. I completely understand Algorithms designs to protect consumers against Illegal Activities but Inclement Weather results in Bizarre Purchases. The XXXX XXXX needs to be redesigned to factor in Emergency Situations!!!

My funds have been on hold since XX/XX/year> with Clover/Fiserv . I submitted all requested documentation and fully complied with the risk review process. I was contacted by a risk analyst who informed me that the review would be completed within 2 business days. It has now been over 7 business days since that communication, and I have not received any update or resolution. I have contacted customer support multiple times and have only been told that tickets are being opened, but no clear explanation, status update, or release date has been provided. The company has failed to meet the timeline given by their own analyst, and my funds remain unavailable. The total amount currently being held is {$30000.00}. This delay is significantly impacting my business operations.

I am disputing a {$1800.00} XXXX debit card transaction dated XX/XX/XXXX, processed through Fiserv on behalf of XXXX. I initiated the dispute in early XX/XX/XXXX within the expected timeframe but experienced significant delays, inconsistent communication, and conflicting guidance throughout Fiservs handling of the dispute. Timeline of events : XXXX XX/XX/XXXX : I initiated the dispute with Fiserv and was instructed to wait at least 30 days for acknowledgement. XX/XX/XXXX : An acknowledgement letter was allegedly issued by Fiserv ; I did not receive it. XX/XX/XXXX : I followed up with Fiserv due to non-receipt. A representative confirmed the issue, updated my address, and reissued the acknowledgement letter with submission instructions. XX/XX/XXXX : I received the acknowledgement letter dated XX/XX/XXXX and submitted all required documentation the same day via Fiserv.…

Read full complaint at CFPB →

TRS Recovery Services first contacted me XX/XX/XXXX concerning a {$22.00} charge from XXXX that they were claiming was not paid. The total debt they claimed I owe, now, is {$47.00}. I sent certified mail to receive more information and received a XXXX communication that the debt was " valid. '' I called XXXX on XX/XX/XXXX and was told that the debt was not valid and that it had been paid : nothing is owed. I had XXXX send communication XX/XX/XXXX directly to TRS Recovery services AND I filed a dispute with the company. I received communication on XX/XX/XXXX that they are still claiming the debt is open, active, and valid, based on their " investigation. '' There was never a debt. The total amount was paid way back in XXXX ( XX/XX/XXXX ) when I purchased the item in question.

I had received XXXX notices from the same company called XXXX XXXX XXXX saying that I had owed {$31.00}, {$8.00}, {$17.00} and {$6.00} from XXXX, and included the last XXXX of my bank account in the letter, this is the same bank account connected to my XXXX app. I called XXXX to see if they had any information about me owing these debts and they confirmed that I DO NOT owe anything to XXXX. When I called the number on these notices it would not connect me to a live agent and would tell me to dispute it via their website. This is a scam.

I became eligible for unemployment benefits through XXXX XXXX in XXXX of XXXX. I began certifying on the XXXX website and opted to have my benefits sent to the XXXX XXXX prepaid card. I received my first benefit payment on XX/XX/XXXX for XXXX. Meanwhile, I had not received my XXXX XXXX debit card. I then received the following deposits on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for XXXX. At this point, I have a total of XXXX in my XXXX XXXX account that I had no access to because I had not received a card. I decided to give them a call to inquire as to the status of my card, which was extremely frustrating trying to get through the automated system because in order to bypass the options, I had to enter card information that I did not have. I eventually got through and was told by the representative that they don't just mail out the cards we have to contact them and request one.…

Read full complaint at CFPB →

I am filing this complaint against Money Network for incorrectly placing a hold on my active XXXX prepaid debit card, preventing me from accessing legitimately deposited unemployment benefits and my saved funds. This has caused significant financial hardship. Money Network has incorrectly placed a hold/restriction on the wrong card, XXXX XXXX : Active card that should NOT have been held or touched ( currently on hold ) : [ XXXX ]. This card is associated with my exhausted benefits claim and contains my savings plus legitimate XXXX deposits. Card that was supposed to be closed : was the last card issued in my name which was already closed. ( this was the most recent/previous card for a different claim ). Sequence of Events : On or around [ XX/XX/year> ], I contacted Money Network customer service because of issues with my account. The representative assisted me by removing certain necessary holds on my active card [ XXXX ].…

Read full complaint at CFPB →

On XX/XX/XXXX, my wallet containing my XXXX XXXX prepaid debit card was stolen at the XXXX XXXX. I did not have the card in my possession after that date and did not authorize anyone to use it. I discovered the unauthorized transactions on XX/XX/XXXX, when reviewing my account after filing for unemployment following a layoff. The unauthorized transactions occurred on XXXX XXXX, XXXX at multiple merchants on XXXX XXXX, including XXXX 's ( {$7.00} ), XXXX ( {$17.00} ), XXXX ( {$170.00} )XXXX XXXX XXXX ( {$160.00} ), and XXXX ( {$9.00} ), totaling approximately {$380.00}. I did not authorize any of these transactions and did not receive any goods or services. I reported the theft and submitted a formal dispute on XXXX XXXX XXXX and signed and returned the required dispute documentation on XX/XX/XXXX. The dispute case ID provided was XXXX. The dispute form indicated the transactions were unauthorized and that the card had been stolen.…

Read full complaint at CFPB →

On XX/XX/year>, I received a letter by mail from XXXX collections, XXXX. It stated that I had a returned check with XXXX for {$55.00} ( and owed this amount ). I called and the rep ( a male ) that answered refused to give me any information until I provided him my phone number. He then claimed to have the same exact phone number on file ( which is untrue and deceptive practices ). After which time, I started receiving robo calls and harassment daily. I completed their paperwork and attestation stating that I am victim of identity fraud, I've never lived in XXXX, and I've never ( ever ) had or owned a bank account with XXXX. I faxed this to XXXX on XXXX. I also reached out to XXXX. XXXX opened their own investigation, and they found that I have never owned a bank account with XXXX. I received a letter from XXXX on XXXX stating that they found no record of me ever having or owning a bank account with XXXX. I sent a copy of this to XXXX XXXX on XXXX along with a cease-and-desist letter.…

Read full complaint at CFPB →

On or about XX/XX/year>, XXXX XXXX XXXX processed two authorized commercial transactions through XXXX XXXX XXXX {$31000.00} for services and goods fully delivered to a client. XXXX subsequently placed an indefinite hold on these funds without legal justification, proper notice, or contractual authority. No chargeback had been filed at the time of the hold. Services were fully rendered and goods fully transferred prior to any action by Fiserv. Fiserv then made unauthorized adjustments to our merchant account to allow refunds to be processed against our held funds without our consent in violation of the Electronic Funds Transfer Act and our Merchant Services Agreement. When we asserted our legal rights, including filing a prior CFPB complaint and issuing a formal legal demand, Fiserv/XXXX retaliated by placing or causing the placement of Powerhouse XXXX XXXX on the Mastercard XXXX XXXX, permanently blocking our ability to obtain merchant processing services.…

Read full complaint at CFPB →

I am filing this complaint regarding Money Networks failure to properly investigate unauthorized debit card transactions and their ongoing delay tactics, which appear to violate my rights under the Electronic Fund Transfer Act ( Regulation XXXX ). In XX/XX/2021, I was hospitalized and placed in a medically induced coma. During this time, unauthorized transactions occurred on my debit card. In the amount of approximately {$1600.00} I had no ability to authorize, monitor, or prevent these transactions due to my medical condition. Once I became aware of the fraudulent activity, I promptly reported the transactions to Money Network and filed a police report. I also provided hospital discharge documentation clearly showing : My admission and release dates My medical condition, including being in a medically induced coma A summary of my hospitalization Despite providing substantial documentation proving that I could not have authorized these transactions, my initial dispute was denied.…

Read full complaint at CFPB →

I was sent {$4500.00} on XX/XX/XXXX from messages XXXX XXXX. I had the {$4500.00} on my XXXX XXXX XXXX. I wanted to send it to my current bank but I accidentally sent it to my closed account with Money Network. Money Network says the transfer failed and the money was never received. They refused to open a dispute since it was a failed transaction. They told me to open a dispute with XXXX XXXX. Ive opened two disputes with them but each time they denied it unless I could get more information to reopen it. Ive contacted money network for trace numbers and any information they could provide me but the always tell me the same thing. All we can do is send you is transaction on the account. Ive received this and its has no information regarding my {$4500.00} transfer. Ive called both companies today. Both tell me to talk to the other.

I received a debt collection letter from XXXX XXXX XXXX dated XX/XX/year>, regarding an alleged debt of {$130.00} originating from XXXX through XXXX XXXX ( Reference Number XXXX, Account Number XXXX ). I am disputing this debt in full because I was under XXXX years of age at the time of the original transaction. Under the legal infancy doctrine, contracts entered into by minors are voidable, and I am exercising that right. I attempted to submit my dispute through XXXX website at XXXX before the XX/XX/year> deadline, but the form returns a captcha error and can not be submitted. I am therefore filing this complaint as a record of my dispute and to report that their required dispute portal is non-functional. I am requesting that all collection activity cease and that this debt be removed from any associated records.

On XX/XX/year> I initiated a transfer from Money Network ( My Banking Direct a service of XXXX ) of {$5600.00} from the debit card to my checking account at XXXX Bank. The transfer was never received by XXXX Bank and I requested Money Network to reverse the transfer since I never received it and they have refused several times. And after meeting with the manager at my local XXXX Bank, she said I need to get the A Federal Reference Number ( or Fedwire number ) is a unique 16 to 22-digit alphanumeric code, such as XXXX, that identifies a wire transfer. Money Network has refused to give me the Federal Reference Number to help XXXX Bank to locate the transfer. I have concerns that something might be going on at Money Network and its actions and refusal to help me.

On XX/XX/year> I transferred {$400.00} from my money network account to my personal account, and it was never deposited into my personal account. When I called them, they said that they were having an issue with transfers. But I'd let them know I had another amount that was deposited after the XXXX that successfully made it into my personal account. Whenever I try to call, they make it nearly impossible to speak to a representative. Their automated system reads you your balances and transactions, and does not give you an option to speak to a person. I was told that they were aware of the transfer issue and were working to resolve it, but they could not give me a timeline or tell me what the actual issue was. When I tried to call back I could not get through to anyone.

I had a Money Network EIP card with leftover money on it. When I attempted to use it, I couldnt. I first tried to withdraw from in network ATMs, it wouldnt allow me I checked the account online, and said the balance was there and usable. I tried to transfer the balance online, it wouldnt allow me. I tried to change the pin, but I still couldnt use the card. So I tried to call multiple times, which they make extremely difficult to access help, and there is no option to speak to a person. So I tried to transfer the balance via phone it said there was an unexpected issue. I finally requested a replacement via phone, and after putting in all of my information the call dropped. I called multiple times, the same thing happened.

I received a middle class XXXX XXXX in XXXX, the amount on the card was {$350.00} on to a debit card released by XXXX XXXX middle class Tax refund. I saved the debit card for emergency, but because it is about to expire, precisely on XX/XX/XXXX, I decided to use it. When I tried to use it the amount on it was {$0.00}. I called the costumer service at Money Network to ask for clarification, they gave me the breakdown of the transactions made : XX/XX/XXXX at XXXX at the store XXXX XXXX in Riverside XXXX California for the amount of {$110.00} XX/XX/XXXX at XXXX at the store XXXX in XXXX, California for XXXX amount of {$130.00} and at the same store at XXXX for the amount of {$100.00}. I am absolutely sure I never used it, and I believe somebody, who worked for me in the past, may have used it without my consent. I assure the representative that I do not purchase at those stores and I live in XXXX XXXX, California. I do not go to XXXX. I proceeded to file a dispute.…

Read full complaint at CFPB →

Subject : Deceptive Trade Practices and Unauthorized Withholding of Merchant Funds I am filing this complaint against XXXX XXXX XXXX XXXX ( hereafter referred to as " the Agent '' ) regarding my merchant account ( MID : XXXX ). The Agent has engaged in predatory and deceptive practices, including the unauthorized withholding of my business funds and attempted extortion. 1. Unauthorized Withholding of Funds : Since XX/XX/year>, the Agent has frozen all my daily credit card settlements without prior notice or valid justification. As an auto repair business owner, this freeze has caused severe financial hardship, preventing me from purchasing necessary parts and meeting payroll obligations. 2. Deceptive and Coercive Demands : The Agent claimed that my account was restricted by the processor, First Data ( Fiserv ), due to an alleged " XXXX XXXXXXXX XXXX XXXX '' issue.…

Read full complaint at CFPB →

On XX/XX/year>, I processed XXXX authorized payment transactions through Clover/XXXX XXXX XXXX ( Merchant ID : XXXX ) for legitimate business services fully rendered : Transaction # XXXX for {$20000.00} ( container transport, fully delivered XXXX and Transaction # XXXX for {$11000.00} ( trailer sale, goods fully transferred ). Total funds withheld : {$31000.00}. Clover/XXXX placed a hold on these funds and demanded I issue refunds and collect alternative payment from my client despite the fact that all services and goods were fully delivered prior to any hold, no chargeback was filed, no fraud occurred, and no client dispute exists. Fiserv then made unauthorized adjustments to my merchant account to allow refunds to be processed against my held funds without my written consent, in violation of the Electronic Funds Transfer Act. I submitted all requested documentation in full on XX/XX/year>, answering every question in their Risk Review inquiry ( XXXX ).…

Read full complaint at CFPB →

XXXX XXXX XXXX processed approximately {$100000.00} in customer payments through XXXX XXXX XXXX Fiserv in XX/XX/year>. In XX/XX/year>, our merchant account was flagged as high risk, and approximately {$65000.00} in customer payments was withheld by the processor. At the time, we were informed the funds would be released or otherwise resolved by XX/XX/year>. The XX/XX/year> deadline passed and the funds were not released. After requesting the release of the withheld funds, we were recently informed that the remaining reserve balance had allegedly been applied to unfunded fees resulting from XXXX issues. However, no documentation has been provided to support this claim.…

Read full complaint at CFPB →

Company Name : Money Network XXXX : Prepaid payroll card Issue : Fraud / Unauthorized transactions/ Failure to provide provisional credit I am filing this complaint regarding repeated unauthorized transactions on my payroll card issued by Money Network. I receive my earned wages through this prepaid payroll card as part of my employment with XXXX XXXX. Over the past XXXX years, I have experienced at least XXXX separate fraud incidents requiring card replacement. Each time, unauthorized transactions were clearly out of state or international. Most recently, my account was charged for international transactions in XXXX, including cross-border assessment fees and currency conversion fees. I reported these unauthorized transactions either the same day or the next day, as I always do. Despite my prompt reporting, Money Network does NOT issue provisional credit while investigating.…

Read full complaint at CFPB →

I submitted my original can under Complaint # XXXX filed on XX/XX/XXXX, XXXX.This case was then sent to the creditor, who then sent me an 8-page packet ON THE CASE ( titled " XXXX '' ) which absolved me of all liability for the debt based on the information provided by the creditor on that case : - The offender presented a Wisconsin State Drivers License ( XXXX ). I live in he state of Indiana. - The Last 4 of the SSN for the individual that bounced the check and caused the debt is XXXX... again, not my SSN- The Last 4 of the checking account with XXXX XXXX XXXX XXXX, does not match and account I've ever had with the bank. I even called the bank and explained the situation and they confirmed that I am nowhere in the system Based on this information PROVIDED BY THE CREDITOR on the original case, they failed to validate the debt and have wrongfully sent me the collections notice.…

Read full complaint at CFPB →

I received the attached prepaid card several weeks ago, then set up a PIN number then went to an ATM near my place. It was unable to withdraw or swipe at the gas station. ATM machine screen shows " stolen card '' at last attempt. I stopped using that card. And then called XXXX and not able to reach any customer service. After that, I called XXXX XXXX XXXX ( XXXX ) benefits helpline, a lady said there was no way she can help. XXXX would only be responsible for deposit to a designated payment method. I tried anther option on that phone attempted transfer to my bank account. But I failed. Unable to find an answer, I mailed the attached card to XXXX XXXX XXXX, XXXX, XXXX XXXX. I learned that there were many people had similar issues with Money Network prepaid card. 1 of which kept calling many times got answer to resolve. To me, there was absolutely no response. So I wish that XXXX would suggest me what to do from there.

EVERYTIME I try to log onto the XXXX XXXX account. I am UNABLE to login. I enter all the correct information and makes me restart the whole process again after saying my information is incorrect or my account already exists. I am EXTREMELY frustrated with this terrible unprofessional service. I am UNABLE to manage my money. I waste time and effort trying to log into my account and access my benefits. Customer service is of NO help.

I have debit XXXX card I received from California XXXX XXXX XXXX Refund. The debit XXXX card is managed by Money network. There is a balance around {$400.00} and whenever I tried to use the card, it got denied. I have reached out to Money network via phone number and website and do not provide option for me to report issue. It is just automated system with no way to report issue. The website and phone number I contacted are : Phone : XXXX XXXX XXXX XXXX

I used First Data as my payment processor. I was testing my own processor with my debit card for roughly {$200.00}. I was testing refunds. I let the {$200.00} move tough first data rather than refund and the froze my account. This was XX/XX/XXXX. Their customer service said that it was flagged for fraud and I would have to wait a XXXX to claim the funds from the state of Arkansas. XXXX waited over a XXXX and first data still refuses to send me my money. XXXX called XXXX times and they say a XXXX will return my call which they never do. My first customer support ticket XXXX is : XXXX I last spoke to them XX/XX/XXXX and confirmed they still have my fund. They did not release them to Arkansas as unclaimed forgotten funds ( which XXXX absolutely not forgot and XXXX been trying to claim for over a XXXX!!!!! ) My debit card funds and my merchant account that holds those funds. XXXX totally locked out of my account since and they refused to refund my debt card.

Between XXXX and XXXX, CardConnect , LLC ( including its XXXX platform and First Data Reporting Services ) deducted {$28000.00} from my merchant settlements identified as IRS backup withholding. After discovering that the withholding was triggered by a XXXX reporting error, the issue was corrected and Forms XXXX were amended. A CPA holding Power of Attorney for the relevant XXXX contacted the Internal Revenue Service to reconcile the withheld amounts. The IRS confirmed that no backup withholding payments were received or credited under any associated XXXX for the amounts deducted. On XX/XX/XXXX I sent a fax requesting written proof of IRS remittance ( including Forms XXXX, payment confirmations, XXXX used, and remittance dates ) or return of the withheld funds if remittance can not be substantiated. I followed this up with a letter sent the same day, but that letter got lost in the mail according to XXXX tracking. I resent the letter on XX/XX/XXXX.…

Read full complaint at CFPB →

I accidentally transferred my tip card XXXX Money Network XXXX I wanted XXXX get that money transferred back XXXX a personal account because it was a large sum amount of money needed for rent XXXX bills but I had XXXX get out through the bot support, I never got any money back XXXX I just so happen XXXX notice that they dont verify actual routing account numbers XXXX the number account number as well. I just need help. I never knew I put the wrong number because they never verified any of the numbers put XXXX when I tested if you can put any random number it just works XXXX gets put in the system for any transfer XXXX I called support multiple times for this XXXX was told there was nothing they could do.

On XX/XX/year>, I reported 2 fraudulent charges on my XXXX XXXX XXXX. They gave me a run around on filling out a form and could take 45 days to 9 months for my dispute to be resolved. This was the last of my funds and is extremely needed. I've had 2 other fraudulent transactions previously and they were settled immediately. Once they locked my card without notice because they said they noticed fraudulent activities. Their platform seems to have excessive amounts of fraudulent issues happening and expect customers to keep paying a {$9.00} express shipping fee to get a new card quickly or pay nothing and wait 10 days for a new card. This is unacceptable when their services are your means to receive your funds. No empathy or accountability from these people what so ever.