Fiserv Finxact Core

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Virginia XXXX XXXX XXXX XX/XX/XXXX Telecheck XXXX XXXX XXXX, XXXX, MD XXXX. Subject : Request for Security Freeze on Consumer File To Whom It May Concern, I am writing to formally request that a security freeze be placed on my consumer file in your records. I am making this request to protect my personal information and prevent unauthorized access to my file. My personal information is as follows : * Full Name : XXXX XXXX XXXX * Current Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Virginia XXXXXXXX XXXX Date of Birth : XX/XX/XXXXXXXX XXXX Social Security Number : XXXX Please provide me with written confirmation once the security freeze has been placed on my account. Additionally, please include instructions on how I can temporarily lift or permanently remove this freeze in the future, including the unique PIN or password I will need to manage this setting. Please send me all accounts that you have on me to the address above.…

Subject : Summary of Discrepancies in Fiservs XX/XX/year> Final Denial I am forwarding Fiservs XX/XX/year> denial letter. I continue to dispute its conclusions because I believe it contains significant factual discrepancies when compared to my documentary evidence. I included a copy of this denial letter below. The primary issues are as follows : XXXX. Fiserv did not address my XX/XX/year> CFPB complaint. The denial letter only references prior denials dated : XX/XX/year> XX/XX/year> XX/XX/year> It does not mention or address my CFPB complaint submitted on XX/XX/year>, which included additional evidence such as : XXXX XXXX XXXX phone records Work logs Documentation of my whereabouts Other supporting evidence I do not know whether this additional evidence was ever reviewed. XXXX. Their discussion of my XXXX XXXX XXXX phone records appears misleading. Fiserv states that my phone records begin on XX/XX/year>, while the original card was issued on XX/XX/year>.…

There is no way of contacting Money Network which is the name of the company I received the debit card from to receive temporary disability assistance from EDD, I have money from previous payments that amount to {$14000.00} and my debit card has been blocked, I can go online and see the amount but I can not access any money, the debit card does not function for anything. Please help

The independent sales agent, XXXX XXXX, explicitly forged my merchant contract by manually writing a " {$450.00} '' early termination fee onto a blank field AFTER I signed the document. I hold the original physical paper contract which proves the early termination fee field was completely blank. I reported this contract forgery to the corporate compliance department and the cancellation team ( XXXX XXXX ). However, despite my formal fraud complaint and compliance report, the company ignored the forgery and illegally, without authorization, withdrew {$450.00} from my bank account via XXXX on XX/XX/year>. This constitutes illegal contract alteration, deceptive business practices, and unauthorized electronic fund theft. I demand an immediate reversal of the stolen {$450.00}, a full waiver of any termination penalties based on the blank original contract, and official corporate confirmation that my merchant account is closed with a {$0.00} balance.…

I am filing this formal complaint against Money Network due to a severe, consistent pattern of predatory customer service practices, deceptive hold times, and the unlawful denial of access to my account information regarding my California EDD Disability Insurance card.Money Network is actively preventing me from managing my account and accessing my state-mandated benefits through the following administrative barriers : Denial of Account Information : Money Network agents and their automated systems have repeatedly blocked me from accessing my basic account details, transaction history, and balance information. This prevents me from verifying my funds or tracking potential fraud.Abusive Hold Times & Intentional Hang-Ups : I have consistently been forced to wait on hold for hours at a time.…

b"I signed up for a Money Network account iXXXX XXXX I never received any card, funds, correspondence, or notice of activity on this account prior to the letter I received from Money Network in XXXX XXXX which alerted me to potential fraudulent activity, an ACH bank transfer that, if the investigation team investigated would have to clearly see could not have been my bank account.\n\nThXXXX XXXX XXXX XXXXetter was the first and only notice I ever received regarding this account, and it was sent to my ex-husbands office, not to me directly.\n\nUpon receiving that notice, I acted immediately and submitted a dispute in response to the information provided.\n\nSince I was never previously informed of any transactions or account activity, it was impossible for me to file a dispute any earlier than the date of the first and only notice that i recieved from Money Network which was in XXXX XXXX XXXXn\nUnder federal law, particularly Regulation E (12 CFR 1005), a consumers right to dispute…

On XX/XX/XXXX, I was charged at the XXXX XXXX for a room and then charged an additional pending charge for {$390.00} and some change. At the time I was told the charge would drop off like a few days after we checked out so its fine. I didnt think much of it after that however, XXXX weeks later the charge is still pending. I have a card through XXXX XXXX The hotel fees and the room were charged to that card. I called the bank to see if theres a way to get it removed. They walked me through the list of steps. I went through went back to the hotel to request and company letterhead the account number, my name all the information that they had requested regarding the removal of the pending charge on my account from both the hotel being sent to the bank. After sending it and having the hotel send facts they tell me oh well wait XXXX more weeks sometimes it takes XXXX to XXXX days for the charge to fall off so well I thought you said it takes just a few days and then we went to weeks.…

I am submitting a dispute for unauthorized, fraudulent charges on my New Jersey XXXX XXXX state debit card. I have already contacted XXXX XXXX to report the fraud and formally submitted my dispute via email, fax, and mail, along with Police Report Number XXXX from the XXXX XXXX NJ police department. I am filing this CFPB complaint to ensure XXXX XXXX properly logs my dispute, complies with federal Regulation E timelines, and issues my provisional credit if the investigation takes longer than 10 business days. I have uploaded documentation showing the total amounts that were charged without my permission apparently in XXXX. The total amount of {$5100.00} in the month of XX/XX/year>. I contacted XXXX XXXX told them of the theft after checking the XXXX XXXX app. They said it happened in XX/XX/year> and that I would have to call back the next day as the fraud department was not open.…

I think with this letter, I would say it says it all, I think they could say this and that about it, but why would they send me this letter? Im filing a small claims against this and the other complaint i filed You wan na know honestly what I think about it? I believe someone in their system messed up and they tried to cover up for it, and that was their only way to kind of like come clean with it

On XX/XX/2025, check XXXX XXXX was used at a XXXX in XXXX, XXXX for the amount of {$150.00}. I believe someone fraudulently wrote my name on this check and used it at the store. The check itself and the linked bank account do not belong to me, as I do not have a checking account. This fraudulent debt has since been sent to collections. I have submitted formal dispute forms twice, yet I continue to receive the same automated response. The financial institution is failing to conduct a proper investigation, which would easily verify that I am not the account holder. My information was used to write this check. My identity was used stolen

Subject : Urgent Joint Resolution Needed : Inter-Institution Finger-Pointing Withholding Federal FEMA Disaster Relief Funds I am filing this complaint against BOTH XXXXXXXX XXXX and Money Network regarding a federal FEMA disaster assistance disbursement deposited on XX/XX/XXXX. I am trapped in a cycle of institutional blame : Money Network explicitly states that XXXXXXXX XXXX has the funds, while XXXX XXXX claims that Money Network is still holding them. Meanwhile, my vital federal disaster recovery money has been completely inaccessible for well over a month. Both banks suggest the funds are in neither ledger. I filed complaint against XXXX XX/XX/XXXX, I have yet to get a response. Because these are legally protected emergency disaster relief funds, this continuous delay is causing severe, ongoing financial hardship. Neither institution will take ownership or provide a concrete path to release or return the money.…

On XX/XX/XXXX, a {$150.00} XXXX card was allegedly ordered under my email address ; however, I never ordered the card and there is no email in my inbox or sent folders ordering or receiving the card. The bank account that was used to purchase the XXXX card was my father 's business account, which is a XXXX account that I do not use, do not know the number of and I do not have any purchase authority. My father disputed the charge with XXXX XXXX, and XXXX is now trying to collect the debt from me- for something I never ordered or received. I completely dispute this debt and never ordered, nor received any XXXX gift card. I believe someone used my email account unlawfully and there is no record of either the order or receipt in my email. I previously had issues with XXXX with a similar issue and changed passwords in my email account. I received a letter from XXXX XXXX XXXX to upload a Identity Theft Declaration onto their website.…

Thanks for your reply and follow up for me to contact XXXXMoney Network regarding case complaint ID XXXX a missing XXXX, XXXX XXXX payment of total {$480.00}. However, the respondence answer the wrong question. She or he is mentioned XXXX, XXXX payment, but I got XXXX insurance from XXXX, XXXX, XXXX, XXXX, of course is correct. The question is XXXX, XXXX. The XXXX payment of total {$480.00} was missing in XXXX, XXXX. Can you please contact them again regarding my claim since the one has already ruined and XXXX answered or insulted. And I DID NOT GET A RESPONSE at all for the complaint ID XXXX. They did not go in the case and check on the problem. The XXXX for XXXX, XXXX is late XXXX months now. At standard, XXXX claimant will receive their XXXX insurance only within XXXX business days. The notes I can provide to XXXXMoney Network from my follow up all these XXXX months are : From XXXX manager : technical system will adjust XXXX the system restarts next time.…

I wasnt aware I was recieving my unemployment. I decided to check the card and saw i have {$1300.00} available on the card I tried to transfer it to my other account it wouldnt let me. I tried to go to an atm to pull it out it said they declined it. I have been calling for 4 hours trying to figure out how to get to thier " 24 hour customer service '' and there is not a single option to reach an actual person. Im going through alot and I need my money. Im extremely frustrated

My XXXX benefits from NJ were put onto a Money Network debit card. Multiple charges were made with the card that were not mine. Charges : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed a dispute and was advised I would receive a form to complete. I had 10 days to send it. They completed their investigation without waiting for my documents. Additionally, when I called them, they would only tell me it was " DIGITALLY VERIFIED '' but couldn't tell me what that means. I do not drink. I do not shop in XXXX. I own a washing machine and dryer and would never use a laundromat. They would give no other information over the phone and could not explain why they didn't wait for me. This is money from the State of NJ XXXX program.…

I am filing this complaint against Money Network due to their repeated failure to respond to or investigate my unauthorized transaction claim ( Claim # XXXX ), which I have filed three separate times. Money Network is improperly denying or ignoring my claim based on a standard 60-day reporting window, in direct violation of Federal Regulation E. Under 12 CFR 1005.6 ( b ) ( 4 ), financial institutions are legally mandated to extend the 60-day reporting window for extenuating circumstances, specifically including incarceration. During the period the fraud occurred, I was physically confined, and my phone, wallet, and debit card were entirely confiscated by the facility, leaving me with zero access to my account or online banking. I acted with immediate diligence and disputed these charges the moment I was released. Money Network is refusing to acknowledge my legal right to an extended timeline under Regulation E.…

I am submitting this complaint regarding a debt that I believe resulted from identity theft and does not belong to me. I recently learned that TeleCheck/XXXX XXXX XXXX is attempting to collect a debt associated with an account and transaction that I did not authorize. I have never opened a TeleCheck account, never authorized anyone to open an account on my behalf, and never agreed to any transaction that would create this debt. My identity was stolen after mail containing my personal information was taken from my mailbox. The individual responsible used my identity without my knowledge or permission. As part of my efforts to address this fraud, I filed a police report with the XXXX XXXX XXXX ( Report No. XXXX ) and reported the matter to the XXXX XXXX XXXX XXXX ( Case No. XXXX ).…

I received XXXX debt collection notification letters from TRS recovery services after I personally filed dispute as well as my banker at XXXX bank. These are second notifications on all fraudulent charges originally made to XXXXXXXX XXXX XXXX debt card which TRS recovery services are now trying to contact me to collect them. Every one of these transactions is fraudulent and unauthorized by the use of a forged debit card linked to my child 's saving account under my name. These charges were previously reported and disputed by both me and my bank, XXXX, in XXXXXXXX XXXX. However, it appears that the matter has not yet been resolved, as I recently received a second set of XXXX notification letters by mail regarding the same fraudulent transactions. The original disputes were filed in XX/XX/year>, and I also spoke with one of TRS agents by phone at that time. The agent informed me that the fraudulent activity would be reported and removed.…

I have attached details of the Comprehensive Case Summary and Supporting Evidence Packet. Re : UNAUTHORIZED transactions involving a debit card ( from XXXX XXXX XXXX XXXX and XXXX XXXX ) ; Disputed amount : {$4300.00} The attached documentation provides a detailed chronological timeline of the unauthorized transactions, the amount of funds disputed, my reports to the company ( XXXX XXXXXXXXFiserv ) , the company 's responses and denials, and the evidence I submitted demonstrating that I never received the original debit card and did not authorize the transactions. I respectfully request that CFPB review the attached evidences in its entirety.

I am submitting this complaint against First Data XXXX XXXX XXXX ( Fiserv ) regarding a predatory equipment subscription agreement I was induced to sign on XX/XX/year>, under misleading circumstances. * * Company : * * First Data XXXX XXXX XXXX / Fiserv * * Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX Merchant ID : XXXX XXXX XXXX XXXX XXXX XXXX Account / Subscription : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Description of the complaint : XXXX XXXX XXXX XXXX XXXXXX/XX/year>, a sales representative from XXXX XXXX XXXX XXXX, acting as an authorized agent of First Data XXXX XXXX XXXX, solicited me to subscribe to a point-of-sale equipment package consisting of XXXXXXXX XXXX XXXX XXXX XXXXe and XXXXXXXX XXXX XXXX XXXX At no point during the sales process was I clearly informed of the following material facts : XXXX.…

On XX/XX/XXXX, our business ( DBA : XXXX XXXX, Merchant ID : XXXX ) processed XXXX ( XXXX ) customer credit card transactions totaling {$7900.00} using our XXXX terminal. Each and every transaction was successfully approved, and valid Authorization Codes and XXXX XXXX were generated through First Data/Fiserv 's network. However, First Data/Fiserv ultimately settled only XXXX ( XXXX ) transactions. The remaining XXXX ( XXXX ) authorized transactions, totaling approximately {$7000.00}, were never credited to our settlement bank account. Immediately after the incident, our registered XXXX agent, XXXX XXXX XXXX, acted on our behalf to fix this discrepancy. XXXX officially opened a formal support ticket ( XXXX XXXX. XXXX ) with First Data and provided comprehensive technical evidence, including full transaction raw logs, approval codes, and POS records, proving that the transactions successfully hit First Data 's host network.…

I am a victim of severe identity theft and mail interception that resulted in the theft of {$6000.00} in EDD benefits via a Money Network debit card ending in XXXX. Money Network is explicitly violating Regulation E ( 12 CFR 1005.6 ) by refusing to honor the extenuating circumstances clause for reporting deadlines.My personal information was compromised in a verified XXXX data breach in XX/XX/year>. Criminals used this stolen data to intercept, fraudulently activate, and immediately drain my EDD debit card at a previous address in XXXX XXXX was entirely unaware this account or card even existed because I received multiple official notices from the EDD stating that I was completely disqualified from benefits. A consumer can not report fraud on an account they are officially told does not exist.As soon as I received my 1099-G tax form revealing the fraudulent payouts, I acted immediately and filed a dispute within XXXX hours.…

Subject : FORMAL ESCALATION REQUEST : Willful Regulation E Non-Compliance and Systemic Verification Failure by XXXX XXXX XXXX XXXX XXXX ( Fiserv ) Dispute number : XXXX I. REASON FOR THIS THIRD FILING & REQUEST FOR LEADERSHIP ESCALATION I am filing this third formal complaint against XXXX XXXX, XXXX, and its program manager XXXX XXXX ( Fiserv ), to request an immediate escalation to a senior CFPB leadership team. The vendors recent response dated XX/XX/XXXX ( Case # XXXX ), demonstrates a fundamental, systemic failure to conduct a good-faith investigation under Federal Regulation E ( 12 CFR 1005.11 ). The bank is willfully ignoring definitive, objective consumer evidence in order to clear themselves of liability for a {$3300.00} benefit theft. II. THE TECHNICAL " SMOKING GUN '' PROVIDED BY THE BANK In their latest response, XXXX XXXX attached two files : Card Activation Record ( 002 ) ( 1 ) .png and XXXX XXXX Phone Search ( 002 ) ( 1 ) .png.…

Was supposed to receive a government benefits card from Money Network via XXXX. CarXXXX never came in, and upon contacting XXXX, was told to contact Money Network. Upon contacting Money Network customer service, Im being greeted with an automated voice messaging system that only allows me to communicate through my number pad. The XXXX system demands that I type in a card number or SSN. Since I never received a card, I provide my SSN for it to tell me my account doesnt exist and hangs up. It will not let me reach a live agent without passing that part. So without an account or card, I can not speak to customer service. I called another line for Money Network and was met with a really rude employee stating that theres nothing she can do to assist and to contact that same phone number that I also mentioned to her that wasnt working. She then said thats my only option and theres nothing else for me to do, despite me explaining my situation.

XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX Transaction have posted but company has them pending for 31days no reason giving.

On XX/XX/XXXX a transaction of {$240.00} occurred due to someone fraudulently accessing my phone insurance with XXXX third party XXXX. Fraudsters attempted to file a claim that my device was lost/stolen and initiated the {$240.00} payment and proceeded with a stop payment. I immediately called XXXX and advised them that i did not initiate this claim and that activity was fraudulent. XXXX then successfully canceled this claim initiated by the fraudster. Few months i received a collections from XXXX XXXX XXXX for {$240.00}. I should not be held liable for a transaction i did not make ESPECIALLY if the claim was denied. This company is asking for funds for a transaction that was cancelled. Transaction Date XX/XX/year> Transaction Number : XXXX Return Reason : Stop payment Reference NumberXXXX

XXXX XXXXXXXX XXXX XXXX XXXX XXXX did not send out my XXXX XXXX card for XXXX until after XXXX weeks. It was only triggered because I had received my second payment already. Calling the first customer representative they could not get their system up and running. The second representative I was moved too volume was super low and could barely hear them. They said the card was issued today XXXX days later and no way to expedite it our issue a new card and expedite since it is the first card. Even forwarded to manager they could not help. So now it's been almost a month and a halve on XXXX and no way to pay my bills. Why is the state of XXXX XXXX using such a horrible service and not doing direct deposit like unemployment insurance has and use the same system for temporary XXXX? There a numerous horror story complaints online about this and other services from XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX. If there was direct deposit I would have had access to my money weeks ago.…

I have been trying to revive funds from my unemployment debit card since XX/XX/XXXX ( XX/XX/XXXX ) and I have tried to get a replacement card and do direct deposit and Ive only been getting an automated response and no a live representative, the XXXX customer service has just been putting me on hold and giving me false phone numbers for money network just so they dont have to deal with me I have over XXXX XXXX dollars I cant pay bill and I am in debt for not being able to pay my bills and this has been very frustrating for me it is not mayXX/XX/XXXX ( XX/XX/XXXX ) and I still have no money, no replacement card and havent been able to speak to a live representative for XXXX and money network

I have had them send a replacement card over the past 2 months. No person is reachable over the phone directly so I must dial their regular support line and ask or beg to be transferred. Then they try to verify after I verified the fully automated system. I can declare every transaction on the account including amount and date. They refuse to validate and assist even with general information as in making a transfer without a debit card since they have never once sent me one. I now use direct deposit but there are funds still in the unissued debit card from money network.

I have a prepaid card from XXXX XXXX where my direct deposit from my work gets deposited and that I have been using for a long time, with no issues for the most part... I have an issue with them right now because they put a hold on my account without any notice at all, which they have my phone number and email adress, how i found out was me trying to buy some food and my card was declined. So I called them couple of times now and talk to a representative and ask them why are my funds on hold, they let me know that my funds wore on hold until I provide and explanation where did XXXX came from and what do I used it on. Which I let them know that I dont have to do any of that and if they think that I obtained that money illegally and was doing something illegal to send that information to FBI or CIA or whoever deals with this, and if they contact me I'll gladly comply with any of they request...…