First Data Corporation CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
06/04/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 812XX	Web
On XX/XX/XXXX I requested to open a merchant bank account from : XXXX XXXX CardConnect/XXXX XXXX Agent XXXX office XXXX fax XXXX customer support XXXX XXXX I completed the required Cardpointe merchant application for : XXXX A First Data Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I was subsequently issued a XXXX XXXX XXXX XXXXXXXX portal for processing credit card transactions. The merchant bank account was subsequently attached to my business checking account for automatic deposits and withdrawals. For unknown reasons XXXX/First Data was unable to withdraw their monthly fee from my business account for statement month XX/XX/XXXX which I was not aware of until I received a letter of collection from them stating such in mid XXXX ( no pro-rating fees even though my account was only active since the XXXX ). I immediately contacted customer service at the phone number provided and was able to pay this billing cycle fee over the phone. I requested the account be checked into and verified with XXXX/First Data and I was informed everything checked out on their end. I then had things looked at through my bank in order to make certain it was not anything on my end that wasn't allowing the withdrawals to take place and also to make certain I could receive credit card deposits. My bank stated everything looked good for my business checking account with no blocks or holds of any sort. I did not contact XXXX XXXX at this time. I received another letter of collection for the subsequent statement month of XX/XX/XXXX and immediately called the number again. This time I was able to have this billing cycle fee waived. I then put an online support ticket into XXXX asking how I was able to pay my service online instead of having to wait for a letter of collection to come in the mail. I wanted to be proactive and pay when I received my monthly statement. I was informed everything was automatic withdrawal from my business checking account. I then called XXXX XXXX and explained the situation to him and asked him to check into things. XXXX asked me to be patient while he checked and that he would call me back. While I waited I phoned my bank again to see if everything with my business checking account was fine and it was. XXXX called me back and stated that everything looked good on their end and provided no explanation of why XXXX/First Data was unable to collect their monthly fee from my bank account. He also informed me he would do some more searching with the company to check on things and hopefully not have the problem reoccur for XXXX. I told XXXX I could not have this happen again that I have good credit and this was completely unacceptable, that I was not the one at fault and was doing everything I could to keep things in good standing with XXXX/First data. I told him I should not have to be calling every month in answer to collection letters and trying to get fees waived or to give XXXX/First data my money. If it happened again I would have to close the account he told me he understood, that if it came to that he would help me to get my early cancellation fee waived. I said that was fine and I would wait through one more statement cycle. The same thing happened again for the statement month of XX/XX/XXXX. I immediately called the collections phone number and was able to have this fee waived again and this time I put an online support ticket into XXXX directly to close my account. I then immediately called XXXX and left a voicemail which thereafter I sent him an email stating I was closing the account. XXXX sent me an email back requesting I contact him so we could discuss the early termination fees. I called him and gave him an earful upon which he said he would do what he could to cancel anything I owed, but I would have to contact the online customer support immediately and request the account not be closed on their end. XXXX stated he would not be able to have the early cancellation fee waived if they did it on their end and that he had to do it. So I did as XXXX told me and submitted another online support ticket requesting my account NOT be closed on their end right there while XXXX was on the phone with me. XXXX assured me he would take care of things and would contact me once it was handled so we ended our conversation at that time. I never heard back from XXXX again. Even though XXXX stated to me he would contact me once things were resolved on his end and the merchant account was closed with the early cancellation fees being waived I never heard from him again. I did however receive an email XX/XX/XXXX showing my XXXX statement as having the account cancelled and showing the early cancellation fees waived. Out of the blue on Tuesday XX/XX/XXXX I receive a phone call from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX I spoke with an XXXX XXXX who asked me for my personal information and stating she needed to verify who I was. I told her that I wanted her information and was not going to give her my personal information. She informed me she was from a collection agency XXXX and calling for their client XXXX XXXX XXXX whom I have never heard of before and that my business entity owed them {$590.00} and they had turned my account over to her company for collection. I was in shock and yelled at her stating I did not owe anyone anything for any reason and then asked for her contact information so I could get back in touch with her. I received her email address - XXXX - and phone number XXXX ext. XXXX - to contact her directly after I did some searching through my records, knowing that the only account my business had ever opened up was the merchant account with XXXX/First Data I knew I had never done business with a XXXX XXXX XXXX. I dug through my emails and correspondence and verified my merchant account through XXXX/First Data had in fact been cancelled, closed and the early cancellation fee waived according to my records. After thinking about things I thought this collection activity might be a fraud attempt so my wife and I researched fraudulent collections that night upon which we determined this was probably a scam. Since I gave no personal information over the phone I didn't think much about it any further until I receive a collection notice in the mail yesterday dated XX/XX/XXXX, 5 days before the phone call. All of the information XXXX said to me is contained within the letter pertaining to XXXX XXXX XXXX and the amount of {$590.00} owed along with a reference number and their account number for me. In looking through my records I am able to determine the reference number XXXX has for the XXXX XXXX XXXX account is the exact last XXXX digits of my previous merchant number for XXXX/First data and the name they have for me/my business is identical to my account name I had with XXXX/First Data. UPDATE : XX/XX/XXXX : I have contacted XXXX/First Data multiple times as of now and every representative tells me that they can not help me and that I need to speak with collections. Upon being transferred over to XXXX/first Data collections I am informed that I need to speak with XXXX collections company as everything is out of their hands. XXXX/First Data collections is rude and not helpful at all. After speaking with XXXX/First Data collections I was finally able to reach XXXX XXXX today by marathon calling his phone number where he then informed me not to worry that this would just go away by itself, but also that he had no recollection of asking for the fees to be waived at all or in fact of who I was or any of our previous conversations. XXXX obviously does not care at all what happens or about any of this. I should have never corresponded with XXXX over the phone and should have only corresponded with him via email so that there was a written record. Shame on me. When I contacted XXXX today they were actually the nicest company to speak with and were surprisingly pleasant to me. I was not able to reach XXXX whom called me originally and spoke with another lady whom I did not catch her name. After speaking with them they said they had submitted a complaint to XXXX/First Data on my behalf after the initial phone conversation I had with XXXX. I attached my XXXX/First Data statements to an email I sent to XXXX at the email address she provided to me to show them the account had been paid. The other lady I spoke with said she would follow up with her and that it might take just a little bit to hear back from them so please be patient, but I would hear back as soon as they were able to provide me with any updates.
06/05/2017	Yes	Credit card or prepaid card Gift card	Trouble using the card Trouble getting information about the card	NY 148XX	Web
I am the owner of XXXX XXXX XXXX, XXXX. My store is a XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX in XXXX, NY. I opened the business in XX/XX/XXXX. I purchased a POS ( Point of Sale ) system from a company called First Data. At that time I received 25 free gift cards to sample ( sell to our customers ). After selling the gift cards ( the original 25 ) I went back to First Data and purchased 1000 gift cards. I also had them printed with the store 's logo on them. The Gift Cards are sold through a division of First Data called XXXX. During the four year period occasionally I would have to call First Data Technical Support or XX/XX/XXXX XXXX, their tech support number is XXXX to get help with a gift card. At times a customer would get a gift card for a gift and come into the store, shop and use the gift card to pay for their purchase. Again, at times the gift card would not work so I had to call the tech support number. When this would happen a technician would take over my POS ( through remote access ) and would proceed to look for the gift card in question and then verify the amount and help " push '' through the sale. In XX/XX/XXXX I had a customer come in and she presented with a gift card. At the point of sale the gift card did not work. I then called the technical support number and asked for assistance. It was brought to my attention that my service contract expired in XX/XX/XXXX. I explained to them that I did not get a letter, e-mail or any correspondence from them indicating my service contract expired. I was told that I had to pay {$940.00} ( yearly contract ) or {$79.00} per month before they could help me. I explained that at that point I had been with First Data since XX/XX/XXXXand because the customer was standing in front of me could we get this resolved and then we could discuss the expired contract. The response was " no '' and I was then transferred to the accounting department where an agent was waiting to collect my credit card information. I declined at this point and had to explain to the customer I needed to research her gift card and would be in touch by the end of the day. After comparing the cost of the service contract and also realizing we were not chip card compliant I decided it was time to get a new POS. First Data purchased a company called XXXX. I called and spoke with a sales agent named XXXX XXXX. She works for XXXX and told me that First Data was the parent company. I explained the situation about my old POS system and the gift card situation. I was told by XXXX that this would not be an issue as my gift card entitlement number XXXX would not change and going forward it would be all set. After many e-mails, telephone calls, it became apparent that the gift cards that were sold on the old POS system were not going to transfer over to the new XXXX system even though I was told they would. It also was discovered that the XXXX cards sold on the old First Data POS did not match up to the Gift Card Report that could be pulled from the old POS System. In other words the XXXX gift card number on the back of the card would read XXXX but the report would show entirely different numbers ie ( XXXX ). I inquired about this huge discrepancy and was told that the numbers were encrypted to protect me the merchant from theft. Huh? Fast forward to now and not one single person at XXXX XXXX can give me a report with the correct card numbers on them. As of today I have {$8500.00} outstanding gift cards out in the universe. As of today, I have no tech support in place to help me identify these cards if someone comes in with a problem. After several failed attempts to work with all the various departments at XXXX and First Data, I sent an e-mail to the CEO of First Data. I sent this e-mail to XXXX XXXX onXX/XX/XXXX. On Tuesday, XX/XX/XXXX I was contacted by XXXX XXXX, Client Manager, XXXX XXXX XXXX - contact number is XXXX ext XXXX. XXXX informed me that my e-mail was received and began to apologize and assured me that we were going to get things resolved by the end of the day. After getting other issues that I had resolved the XXXX Gift Card issue as it turned out would not be resolved by the end of the day. This was when I was introduced to a Escalations Technical Support person by the name of XXXX. From XX/XX/XXXX - the end ofXX/XX/XXXX I spent everyday speaking with either XXXX or XXXX about this Gift Card issue. XXXX was able to identify through the people at XXXX XXXX that the Gift Cards were never set up properly and that at this point I had no recourse. I was told that when the Gift Cards arrive ( almost 2 years ago ) that there was a sheet of paper in the box and I was supposed to call the number and have the technician set up the gift cards. I explained to them that there was never a sheet of paper in the box and that I was never told by a XXXX XXXX tech support worker that my cards were set up incorrectly. I even said that with the recorded history of my calls into tech support over the past four years not one single person said the cards were set up incorrectly. So, here we are, XX/XX/XXXX. I am operating 2 POS systems ( because I can only redeem the gift cards sold prior to XX/XX/XXXX on the old POS system. I was told by XXXX XXXX that they agreed to pay for the service contract on the old POS system to help get us through the outstanding Gift Cards ( if there is a problem ) and that as of Friday, First Data, XXXX XXXX, XXXX and XXXX have exhausted all avenues in providing a resolution to this problem. I was also told by XXXX that we would have one more call today, Monday XX/XX/XXXX with the highest level of tech support to see if anything can be done to resolve the gift card issue. It is XXXX XXXX and I have not heard from him or her. I am asking for XXXX XXXX, First Data, XXXX and XXXX to provide me with a Gift Card report that shows all of the sold, unredeemed cards out there with their balances and correct gift card numbers so that I can shut down the old system and get the Gift Cards transferred to the new system. I am asking that First Data as they promised to re-instate the service contract and pay the {$940.00} that I was told they were going to do. I am asking that this entire group provide me the merchant, with a viable solution that does not leave me exposed to the possibility of theft. I have no way to check a gift card if there is a problem with it. A customer can walk in and tell me they have {$200.00} on a card and in reality only have {$20.00} left on the card. This situation prevents me from protecting my business.To date they claim this ca n't be done. I also explained that Gift Cards must be honored for five years to which the response was XXXX Gift Cards are only good for two years. I explained as a business owner in New York State we honor all of our gift cards regardless to when they were sold. We collected that money and the customer is entitled to cash it in whenever they see fit. I am also looking for a thorough investigation into their practices as a Merchant Service Card Provider. I am at a loss for words that a company that sells Gift Cards does not have the proper protocols in place to address Gift Card issues when they arise. The amount of time I have spent since XX/XX/XXXX until present is unacceptable. Thank you for your time and consideration. Regards. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX.XXXX@XXXX.XXXX
08/15/2018	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble closing card	KY 40065	Web
My XXXX year old son received a XXXX XXXX pay card from his employer before we could get his direct deposit set up into his already-existing bank account. He left the funds on the card to be used at a later date ( because transferring the balance from the paycard to his bank account included a fee he wasn't willing to pay ). On XX/XX/2018, he received a letter in the mail dated XX/XX/2018 indicating his account was being upgraded to a premium account and that they needed additional information to verify his identity as part of the Patriot Act. The letter indicated he had 10 calendar days from the date of the letter to provide the information. The letter was received in our mailbox on day 9 - a Friday. Later that evening, we went to the ATM machine to draw out his money and would then cancel his card. Unfortunately, they had already blocked his card and he was not able to get any of his funds. The ATM instructed us to contact the number on the card, which we did that same evening. First, there was the 5 step runaround process for their customer service to talk to me - even as the mother of a minor. They had to physically speak with him, verify his name, address, phone number and email and then send him a text with a code to be relayed back. The short version is the documentation required we are not willing to provide - in the interest of protecting my son from potential identity theft. The other forms of identification accepted are not documents that a XXXX-year old who lives at home and has no bills in his name would have. After insisting to speak to a supervisor ( and being told none were available ), I waited on the line several minutes for one to become available to tell me the only other option was to request the account be closed in writing, including the account number, name, address and with a signature. This supervisor gave me the email address in which to submit the request. She told me the check would be received within 7-10 business days. On XXXX, the request to cancel the account with the required documentation was sent via email. There was an attached picture of the hand-written request to cancel the account, with the account number, address, signature and a picture of his paycard. There was no response. on XX/XX/XXXX at XXXXXXXX XXXX Eastern time, the original email with attachment was forwarded back to the same email given indicating a confirmation of receiving the request had not been received and to please respond as to when the check would be received. Again, no response. On XX/XX/XXXX at XXXXXXXX XXXX Eastern time, again the original email, the second request were forwarded along with a third request asking for response that they've received the messages and when to expect the check in the mail. Again, no response. On XX/XX/XXXX, I called the customer service number again, went through the steps so they'd talk to me again ( even though they had it noted on the account from the previous call ). The rep indicated they never received the requests. She asked for the email the requests were sent and when I provided it ( based on what their supervisor had told me from the XXXX call ), she told me that was the incorrect email. She put me on hold for several minutes to come back and say they " found '' the request and that they would begin the process that day, but would be 15 business days for my son to receive his check. I was furious - I told her it was not acceptable because of their error in providing me the proper email and steps to cancel the account, for my son to wait additional time for his money. I then insisted on speaking to a supervisor. I was placed on hold for at least 10 minutes and when the " supervisor '' came on the line, she mysteriously sounded just like the rep I had been talking to. I'll admit, I was not nice - not belligerent, but not nice at all. I told her it was her job to make it right and it wasn't my fault they were inept at doing their job. I asked to speak with higher level management, but was told that they all leave at XXXX XXXX Central Time. ( My call started at XXXX Central time and by now it's already after XXXX ). I asked for a direct number to call back today and was told a number didn't exist. ( I told her I felt sure each of them have a phone sitting on their desk ) After much heated back and forth, there was no resolution. I told her I'd be reaching out to their executives and an attorney. A friend suggested I file this complaint as well.
01/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94565	Web
Complaint with : Telecheck Telecheck 's Denial Record # XXXX Date of transaction : XXXX/XXXX/XXXX On XXXX/XXXX/XXXX, I went into XXXX and purchased an item valued at {$10.00}. I wrote a check from my XXXX checking account for the amount and they ran it through their system. A moment later I was denied, so they asked for another form of payment. I was very humiliated and embarrassed because of this. I gave them my debit card which is linked to the same checking account that I had written the check from, and it went through with no issues. As I was leaving, I asked for a number to contact whomever it was that makes a decision on accepting the check, and they told me that the info is on the receipt that was given to me. I proceeded to read the receipt and found out that it was TELECHECK that had not accepted my check, not XXXX. This complaint that I am filing right now is on TELECHECK. I called Telecheck immediately after I found out who it was. I finally got a live company representative to speak with me, and after I was verified, I asked them why I was denied. I also told them that I have no negative information in their database, and they confirmed that that was true. So, I asked them again, why was I denied to write a check for {$10.00}? Then he told me that I needed to develop some kind of history with that particular checking account, and I told them that how can I ever start to develop history when you deny my checks every time I attempt to write one. It does n't matter if the amount is for {$2.00}, or like in this case, {$10.00}, or if it was for {$300.00}. I said that it will still be denied regardless of the amount that I write it for. Mind you, again I will reiterate that I have absolutely NO bounced checks or negative information anywhere in their database. So, I proceed to ask him again, why was I denied? Then he gives me another reason saying that the check was actually denied because my bank told them that I have had frequent bounced checks in the last 4 days. I told him that this information was incorrect and that I did not have any NSF 's in the last four days whatsoever. I also told him that I had well over {$150.00} in my checking account at that moment, which was way more than enough to cover this check. I also want to state that on the receipt that was given to me, Telecheck has a short disclaimer on it stating, " ... Telecheck did not make the decision to not accept your check, and is unable to provide you with specific reasons why an adverse action was taken. '' This is a bold faced lie that is printed right on the receipt itself. First of all, Telecheck DID MAKE THE DECISION SOLELY TO NOT ACCEPT MY CHECK, and also Telecheck had given me the exact reason why I was denied. So my complaint is on Telecheck for misleading, and deceptive information, as well as an outright lie that is fed to each and every consumer out there that has to suffer through this when they are denied for writing a perfectly good check as well. Also, I want to file another complaint on them for not being more thorough with their process, and for not obtaining ACCURATE and real-time bank account information when they make their decision to deny us to write a good check every time. I feel like I am being singled out by Telecheck, and discriminated against them as well. They deny me every time for any reason that they can come up with, and I have no negative check writing history with them at all. In this case, however, I was denied by them for allegedly having bounced too many checks over the last four days, and in all actuality, I had n't bounced any checks over the last four, six, or even ten days for that matter. Also, I had plenty of funds in my bank account to cover this transaction, and I have not negative history with them at all. So why are they denying me to write a check every time I attempt to use one if my name and ID is good to go? I am frankly fed up with them for treating me like I am some kind of a criminal, and for denying me every time I attempt to pay with my check, and for lying to us in writing on the receipt about what I had mentioned above. Also, I do n't consider that pulling my XXXX XXXX XXXX credit report every time that I try to pay with a check a real-time bank account check. This is what they use. I know this for a fact. XXXX XXXX does not give them real-time information on us consumers. Thank You
06/07/2018	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	NM 877XX	Web
I represent a company that has a chain of convenience stores. One of our sites was fraudulently hit for unauthorized refunds to our merchant account 6 different times between XX/XX/XXXX and XX/XX/XXXX. The total amount we got hit for is {$16000.00}. We were contacted by our sales rep from First Data ( our credit card processor ) on XX/XX/XXXX by phone to notified us that some possible fraudulent transactions might have taken place on our account. He informed us that the fraud department from First Data was going to contact us to confirm whether these were fraudulent transactions. At this point, a visit to the affected convenience store site was performed. A thorough investigation of the site did not reveal any type of skimmers and a review of our credit card sales journals detected no such refunds went through our system. Our in-house auditor reconciled the credit card statements on XX/XX/XXXX XXXX and verified that two fraudulent transactions occurred on the XXXX. These transactions added up to {$5000.00}. We looked through our point of sales journal records and could not find the 2 transactions that occurred on XX/XX/XXXX anywhere in our system. Our credit card reconciliation with First Data 's web site showed 2 refunds on that day for {$2500.00} each that were applied to 2 different Visa debit cards. Since the First Data fraud department hadn't contacted us as we had been told, we decided to contact the fraud department on our own. They informed us that the transactions initiated through a feature referred to as a dial back up. They stated that this function should be turned off on our P.O.S. ( Point of Sale ) system. A call to our P.O.S. ( point of sale ) technicians confirmed that our P.O.S. system doesn't have dial backup capabilities at all and are non-existent on our system. Our P.O.S. company initiated a protocol to check our system to verify we were compliant and the result was we were in full compliance. Their review of our system confirmed there were no records that existed in the system related to these fraudulent transactions. On the Afternoon of the XXXX our rep contacted us and we decided together that we would request a new merchant number as well as disable any refund capabilities. We were also told at that time that First Data would not be responsible for those transactions. On XX/XX/XXXX at XXXX XXXX we received an e-mail from my rep stating that the new merchant number was requested and that dial back and refund functions were also to be disabled at the site that was targeted as well as another site that First Data does our processing. On XX/XX/XXXX when we received our card statements we noticed that we were breached again for {$2500.00} on the XXXX of XXXX at XXXX XXXX Then again on XX/XX/XXXX, we were hit at XXXX XXXX for {$2900.00}. We were hit again at XXXX XXXX for XXXX and finally again at XXXX XXXX for {$3100.00}. When we contacted our Rep he was dumbfounded how this could happen and he tried reaching out to the Fraud dept for us again. He told us that a higher up from the Fraud dept would be contacting us by phone which never happened. I have tried calling the fraud dept myself and left messages as well as our rep reaching out to them multiple times to contact us. It is XXXX XXXX on XX/XX/XXXX and we have yet to hear what the resolution is going to be. We feel that the system was breached through the First Data side as there are no records of any of these transactions anywhere in our point of sale system and that we should be refunded for the full amount of {$16000.00} immediately. After the initial {$5000.00} transaction there were supposed to be stops in place to avoid anymore transactions which obviously wasn't the case. This further proves that the breach got through the First Data side and not on our end. We have been forced by the card companies to spent thousands of dollars to be PCI and EMV compliant at our sites and we still have been breached and basically brushed off by the Card company. I don't feel the responsibility is ours to bear the brunt of a {$16000.00} chargeback, as we have taken all necessary steps to do what we were asked by the card companies. I am asking for your help to get this matter resolved as soon as possible.
05/30/2018	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 939XX	Web
I want to report bank fraud and misrepresentation by Customer Service that is provided by XXXX XXXX XXXX - XXXX XXXX : 1. What bank issued your card/account ( look on the back of your card for the words " This card issued by '' )? 'This card is issued by XXXX XXXX XXXX XXXX XXXX ' 2. If you have a prepaid debit card, which one do you have ( Examples include : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX etc. ) Its not a prepaid Debit Card, its my work issued card that my direct deposit goes into. 3. Is the card/account in your name? If not, whose name is it in and what relationship are they to you? The card is issued to my name : XXXX XXXX It also says 'Payroll Card ' 4. What is the Date you notified the bank of the unauthorized transactions? XX/XX/XXXX i took so long because their number listed online is incorrect and their automated system was not letting me get connected to the right department. 5. Did the bank ask you to complete a written fraud report? If so, date you sent it back to them? Please forward us a copy of the fraud report if you got one ( banks regularly make mistakes with these ). They asked me to complete a fraud report that they will send me in the mail to fill out but they also said it may take 45-90 days to come up with a resolution. I found that very odd 6. Has the bank denied your dispute? If so, did you get a written denial letter? Please forward us a copy of the denial letter if you got one ( banks regularly make mistakes with these ). They denied both of my disputes regarding the transaction and did not bother to notify me of the outcome. One transaction for was for {$500.00} and one for {$460.00}. Their reasoning was 'because i did not cancel the card and purchase a new one ' like they suggested. 7. Did the bank ask you to either attempt to resolve the problem with the merchant first or get a police report? They asked me to file a police report which i then did because according to them it will help me get my funds back. But i have already more than proved to them i did not authorize this transaction because they were withdrawn from a XXXX XXXX ATM. I only withdraw from XXXX XXXX XXXX ATM 's and i live in XXXX, Ca not in XXXX, Ca 8. Please provide the date, dollar amount, and transaction description ( who it was paid to ) of each unauthorized transaction. Transaction # 1 - {$460.00} XX/XX/XXXX @ XXXX location XXXX XXXX XXXX XXXX XXXX , Ca ( XXXX XXXX ATM ) Transaction # 2 - {$500.00} XX/XX/XXXX @ XXXX location XXXX XXXX XXXX XXXX XXXX XXXX Ca ( XXXX XXXX ATM ) 9. What is your argument for why the transactions were not authorized? Examples include you have never used that merchant or ATM before, the transactions were in another state or country, you were in the hospital or prison, it was a duplicate transaction, the merchant exceeded the amount you authorized, or you lost your card etc. The location of the ATM and bank they were withdrawn from are not only in a bad part of XXXX but i am not even a resident of XXXX. I am a resident of XXXX Ca and i only withdraw money from XXXX XXXX XXXX ATM 's and they still denied my disputes. The money was withdrawn from an ATM that i dont even bank with. ( XXXX XXXX ) 10. Did you ever have a tax refund, social security, or any other governmental benefits direct deposited to your card or account? Ive actually just had all of last years Tax Return taken from me for an unpaid student loan that i never took out. {$960.00} 11. What state do you live in? California 12. What is your telephone number in case we need to contact you? ( XXXX ) XXXX XXXX Damages : Will you be satisfied just getting the amount of the unauthorized transactions back? Please note that damages for pain and suffering or emotional distress are not recoverable in these types of cases. I would like the money back for the unauthorized transaction and more ( if possible ) for their misconduct and failure to represent me as a respectable customer. However i would like for you to have your fair share of the settlement when the outcome is reached.
02/26/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 245XX	Web
On Friday, XX/XX/2018 I went online an ordered a XXXX XXXX XXXX priced at {$240.00} from the company XXXX XXXX XXXX. After placing the order online I received an email from the company that stated the following : Hey XXXX, Thank you for your interest! One of our team will be calling you shortly to ensure your equipment is setup properly when it arrives. Your card has been pre-authorized for the amont below. We will not ship the equipment OR capture the payment UNTIL you have spoken with our setup specialist! To speak immediately to our team, please call XXXX Many thanks, XXXX XXXX XXXX XXXX team I contacted the company and was connected with a XXXX XXXX. Whom sent me a contract that was supposed to be for " maintenance '' of the XXXX XXXX I ordered. XXXX explained to me over the phone that we owned the system and only was paying for maintenance fees ( copy of contract that was sent to me and signed is attached ). He also explained that they couldn't send me the device until they input my companies information on it ... .when I received the contract it was instead for a XXXX XXXX ... .I immediately emailed XXXX and asked why was it stating XXXX when I paid for XXXX ... this was his response : XXXX? 4 messages XXXX XXXX Wed, XX/XX/2018 at XXXX XXXX To : XXXX XXXX I ordered a XXXX XXXX XXXX WHY am I receiving XXXX???? And NOBODY CALLS TO STATE OR ASK IF ITS OK TO RECEIVE ... .I would like a call TODAY THANKS XXXX XXXX Wed, XX/XX/2018 at XXXX XXXX To : XXXX XXXX Hi XXXX, I will check with the hardware department as to why they sent you, or are sending you an {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX instead of the {$290.00} XXXX XXXX XXXX. Thanks, XXXX XXXX XXXX \| Sr. Account Manager XXXX Direct Number : ( XXXX ) XXXX \| Mobile : ( XXXX ) XXXX \| Fax Number : ( XXXX ) XXXX XXXX XXXX, XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX The information contained herein, including any attachments, is proprietary and confidential and is intended for the exclusive use of the addressee. The information is intended only for the use of the individual or entity to which it is addressed and may contain information which is privileged, private, confidential or exempt from disclosure under law. If the reader of this email is not the intended recipient ( or the employee or agent responsible for delivering the email to the intended recipient ) please be warned that any publication, distribution or copying of this email is prohibited. If you have received this email in error, please notify us immediately by reply e-mail and destroy all copies. Hi XXXX, I will check with the hardware department as to why they sent you, or are sending you an {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX instead of the {$290.00} XXXX XXXX XXXX. Thanks, XXXX I received the XXXX XXXX sometime in XX/XX/XXXX and the company immediately started drafting my account. I contacted FIRST DATA the company whom was drafting my account and they explained to me that I was leasing the XXXX XXXX and that was what the payment was for. I placed the rep on hold informed them my call was recorded and called XXXX on three-way to gain clarity, and XXXX confirmed over the call that I OWNED THE MACHINE ... .so my question was WHY WAS I PAYING FOR A LEASED MACHINE THAT I DIDNT PAY FOR OR AUTHORIZE. I changed my banking info to prevent further collections, and First Data is NOW trying to collect a debt for the XXXX machine in an amount of over {$2000.00}. They have forwarded my file to a collections agency whom is threatening further proceedings. I am attaching ALL information between myself and the company as well as any voice recordings. I feel as if I was bamboozled. The representative for XXXX XXXX obviously stated WHATEVER to gain a sale and commission from me. I am not HAPPY at all the way this transaction went and I simply want to return the machine, be relinquished from the contract and collections.
01/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	WI XXXXX	Web	Older American
XX/XX/XXXX I cashed a check at XXXX in the amount of {$140.00} expecting a deposit in my account which I guess, due to the holiday mail was delayed. The check was returned to XXXX and their policy is for their bank to forward the returned checks to TELECHECK. Telecheck deposited that check into my account on XX/XX/XXXX and it cleared XX/XX/XXXX. I had my son go to the XXXX XXXX, as I am XXXX, on XX/XX/XXXX to have the check rejected even though I had over {$200.00}. in my checking account. The store DID NOT give us a receipt so it took several phone calls to get a number to call which I did and the following occurred. Called XXXX after being on the phone for over 17 minutes waiting for someone to answer I spoke with XXXX. I explained that the check was sent to my bank on the XX/XX/XXXX, cleared on the XX/XX/XXXX and I could not cash a check on the XX/XX/XXXX. I understood him to say as long as it cleared there would be no {$25.00}. fee and he would clear the record for me to cash checks. I check on the XX/XX/XXXX twice, spoke to a XXXX and XXXX after another very long wait for both of those calls and was told it was not cleared asked for the Supervisor. I spoke with Supervisor XXXX XXXX who confirmed it was not cleared, stated XXXX should not have stated that and she would listen to the tape and if I would call back the next morning at XXXX XXXX on her personal telephone line number XXXX she will tell me what she found. I called back at XXXX XXXX left a message ; XXXX XXXX left a message and called later through the regular line and they tried to connect me and the connection did not work however shortly thereafter XXXX did call me and stated it had been a hectic morning and she was unable to call before now. Stated she had listened to the tape and that is not what he stated HOWEVER I WOULD REALLY LIKE SOMEONE OF AUTHORITY TO LISTEN TO THAT TAPE BECAUSE WHAT HAS TRANSPIRED SINCE THIS CALL. She double checked her records and said the records did not show the check cleared yet as of XX/XX/XXXX. In addition to all of this I had her place a 3 person call to my bank manager who confirmed that the check cleared XX/XX/XXXX and she told me she would forward that information to the proper people AND would call me back in two days. I asked her who was overseer of their organization and she said there were many companies over TELECHECK and she did not understand what I was asking. She did not seem to like it when I stated like the Bank Commission, etc. In addition to all of this I have NOT had my check writing rights cleared as of XX/XX/XXXX even though I authorized her to take the {$25.00} out of my checking account AS OF XXXX XXXX XX/XX/XXXX the {$25.00} has NOT been withdrawn, I have NOT received a return phone call, I AM BLACKBALLED at any STORE that uses TELECHECK and I did try to use one last evening and got refused with a TELECHECK tag. IF you call the business that uses this service they state that once the check gets returned the first time it automatically goes to TELECHECK and they have NO CONTROL. TELECHECK states they can't release their hold until the BANK tells they its cleared. They are not clear what Bank they are referring to, my bank, the stores bank or their bank or who. You can not follow up on this because it should NOT take this long especially when my Bank representative, who XXXX called told her the date it cleared, the amount etc. and that was seven days after they deposited it and now it is fifteen days later and I have NOT been released to write checks for my medicine, food etc. I have heard from others that it often takes them a month or so to clear a check. I believe this is only my second check in at least one year with this company but this is wrong they should have to clear these much more efficiently OR get out of the business or deal with local banks not ones down in Georgia, Texas or who knows where.
08/02/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	NC 27406	Web
In or around XXXX XXXX I was wrongfully terminated from my job following a work related accident. I suffered a XXXX which required XXXX to repair but found out that my employer did not have worker 's compensation insurance. When I was terminated, my employer did not pay me for the accumulated time, ( vacation ) and did not pay me for the time worked following my injury and prior to my termination. As a result I had to temporarily put a hold on any funds being automatically withdrawn from my bank account in order to avoid overdrafts and I cleared this arrangement with the credit union PRIOR to halting payments and in order to allow me time to find out when my worker 's compensation payments would be initiated by my employer. Shortly after I attempted to purchase groceries from XXXX XXXX XXXX and XXXX XXXX. Both stores systems accepted the checks but when I attempted to use a check after that for a purchase my check was declined. It was at that time that i learned that my previous purchases at XXXX XXXX and XXXX via check went into Telecheck because they claimed I wrote checks on a closed account. MY ACCOUNT WAS NOT CLOSED! Someone at the credit union entered the wrong transaction I assumed and " CLOSED '' my account although I still had funds in my account instead of the " automatic withdrawals '' from my account being blocked so that my account was not overdrawn. This was the credit unions error and they admitted the error and sent, via fax, a letter explaining what happened to Telecheck. Telecheck, although they received the letter, would still not clear my account from their system and I contacted the attorney general of my state, finally, after paying the checks that " cleared '' cleared the stores when purchases were made, but were returned for " closed account '' at a later time ( though I am not sure when because I never received a notice from Telecheck only a printout when attempting to pay for purchases shortly after. Even though I paid both checks when I learned the original checks had been returned " closed account '' with cashiers checks I, again, ran into problems with my account while shopping a different Food Lion in my community. After filing the complaint with the attorney general and again having my credit union write a letter to Telecheck my account was finally cleared XX/XX/XXXX or XX/XX/XXXX with the assistance of the N.C. Justice Department - Consumer Division and the manager of my branch where I bank. I resumed using checks in these stores and until today had no problem, even though I seldom use checks but use my debit card for grocery purchases. Today when I attempted a purchase of {$58.00} I realized I left my debit card at home and had to use a check to pay for my purchase. My check was declined. I checked my balance before leaving to go to the grocery store so I knew i had more than enough to complete the purchase. The cashier ran the check through twice and both time it was declined. I called my credit union while at the store and it was confirmed that I had more than enough to cover my purchase. The store manager explained, after making a phone call, that Telecheck was declining my payment and I would need to call them. I made the call to Telecheck and was informed that " due to a risk analysis acccount or ID has not been evaluated because my account had not build up sufficient activity and is consistent with fraudulent activity '' I have had this account for years and use debit card and checks for my purchases. Since this matter was supposedly cleared up more than a year ago with Telecheck and since that time I have written checks at these same stores that cleared - I want to know why I am repeating the same kind of denial that was cleared up more than a year ago. Telecheck has a bad reputation for keeping information active after resolution and penalizing m
02/06/2017	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	DE 19702	Web
I am complaining about First Data 's false advertising. Bogus contracts that I have never signed and poor customer service. I inquired about services XXXX of XXXX. I was referred to First Data through my bank XXXX. I received help from a sales person XXXX XXXX Who told me all about the equipment and the benefits, however, he never told me about a contract. He stated that I can cancel services whenever I want with no obligations. I never even signed a contract nor received XXXX. In fact I received the register in the mail and had to set it up myself. Often times I had to call because there were so many different fees coming out of my account and I questioned it. I was either being charged because of different payments I received from my clients, service charges, taxes, etc. Before even closing my account I was notified by my bank that fraudulent activity was occurring on my account and they needed to change my account. When having concerns with the machine I was told to call my salesperson XXXX XXXX Which was fired because he was doing false advertisement of the machine and taking funds from consumers. At this time I was closing my business account anyway. I tried to contact First Data on numerous occasions since XXXX XXXX to find out the process of cancelling my services. I was told that I needed to return the equipment and I could not cancel services because I was signed to a contract. If I wanted to buyout I had to pay for 40mths of {$73.00}. I told them that I never signed a contract and they needed to investigate the sale because the salesperson never told me about the terms or conditions nor sent me a contract. The salesperson told me he would mail me out a contract for me to sign and I would have to mail it back in. I never received a contract, however, First Data was continuing to debit my account. However, once I closed the account in XXXX I kept calling to make them aware that the account was closed, I no longer needed services and they would not receive payment. Every time I called they would give me the run around to say that they would send me the contract I supposedly signed and will give me a dispute letter, I still have not received anything. When I asked to talk to the manager, they manager said the same them. I never received a call back, contract, or dispute form to fill out. However, they did give me instructions on how to return the equipment with leasing number XXXX, which I returned the first week of XXXX. I had to pay {$45.00} to mail the equipment back. I tracked the package and emailed First Data letting them know the equipment was being returned with tracking number. After they received the equipment they did not confirm they received it. However, I noticed my credit score dropped because First Data sent me to collections for not making monthly payments on my so called contract. Today I called again and spoke with XXXX. She stated I was on a 48 mth contract and regardless what the salesperson told me or if my business account was closed I was still responsible for payments. I asked her to email and mail me my signed contract and dispute letter. Which she could not confirm that she had. I asked her to email and mail so there would not be any confusion that I did not receive it. She stated she could not do both it had to either be email or mail. So I said email because I figured I would receive it faster. I have been waiting since XXXX to rectify this situation and have not received anything. I just believe this company is a scam and they do not own up to their end of the bargain. Due to there being no contract signed by me I do not owe them anything. Once I reported the company they sent me a contract ( XXXX ) with my signature that was copied and pasted from something else. I never signed a contract, I only signed to receive equipment.
01/26/2017	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	CA 90501	Web
My company XXXX XXXX , XXXX is a toy scooter company that sells to major retailers, such as XXXX XXXX XXXX, XXXX, XXXX. We also have our own website that sells directly to consumers. XXXX We contracted with First Data Merchant Services to process our website payments XX/XX/XXXX. We have been doing business with them since then. This past holiday season, we had a huge spike in sales and on XXXX our account was deactivated by First Data Merchant Services. My E-Commerce person sent me an email indicating that we had been deactivated and he did n't know why. When I contacted First Data, I spoke to XXXX XXXX in the Risk Management Department. She indicated to me that she had sent out two letters to us via US Mail and via Email to the contact on her records, which we never received either letter by mail or email. XXXX XXXX indicated that we had a huge sales volume so they put our account on hold and that they were holding {$460000.00} of our funds. On XX/XX/XXXX she sent me via email the mentioned documents and requested that we submit our income taxes, last three months bank statements, copies of various sales receipts and proof of deliveries. Which I complied with her requests on XX/XX/XXXX. On XX/XX/XXXX they reinstated the account, but I was then told that they will continue their investigation and management will make a decision if they are going to release our funds. On XX/XX/XXXX I called and left numerous messages and did not receive a response. XXXX XXXX, sent email that day with Management will make a decision by the end of the week. I replied to her indicating that we should not have to wait until the end of the week, as we have supplied everything she has requested. On XX/XX/XXXX, XXXX XXXX called me and stated that they were going to release {$160000.00}. I then sent the following email to her Thank you for your call today. You indicated that you would send me an email confirming our conversation, which I never received. In our call this morning after speaking with your management team, you indicated the following : That First Data Merchant Services will be releasing the sum of {$160000.00} to our account today. I inquired as to how long it will take for us to see it in our account, you indicated that it would be 1-2 business days. You also stated that First Data Merchant Services will still hold the sum of {$300000.00} and in 30 days, your management will review our account again, to see if that amount can be released to us. I inquired as to why this would happen and you indicated to me that this decision was made due to chargebacks. I advised you that we just received a chargeback mailing on XX/XX/XXXX, which I have attached a copy for your review. The chargebacks on this mailing total to {$490.00}. This mailing is the first mailing we have received in 18 months or longer. I have the last mailing received that is dated XX/XX/XXXX. Where are all of the chargeback mailings going to? I find the fact that you are holding {$300000.00} due to chargebacks totally unacceptable. As stated to you in our conversation, I would understand holding {$10000.00} as an acceptable amount. But $ XXXX is an excessive amount. I would like to see a record of all chargebacks that we have received that warrants First Data Merchant Services to hold such a large sum of money. Please send me copies of all chargebacks, and if you ca n't please have the Department that can, do so. I also am concerned since we have not been receiving any chargeback mailings, if and when we do get them, we are not aware of the chargeback and am unable to dispute them. This needs to be resolved immediately. I have been asking you to put me in touch with a Manager but to date, you have failed to do so. Please respond by return email as to when we will receive the funds mentioned above
03/23/2016	Yes	Prepaid card Payroll card	Advertising, marketing or disclosures	IL 60085	Web
XXXX of XXXX XXXX ( XXXX minutes ago ) To whom it may concern : According to XXXX, XXXX dollar business such as First Data Corporation issurance XXXX XXXX XXXX XXXX '' and your corporation contracts with many United States or International Employers to provide a convenient package of services to their Employees for handling their funds for cash, purchases, pay bills, buy groceries, etc. As a by way of Employer to Employee client, I would want my amount below to be ACH/EFT Transfer of Funds to my NEWLY Activated replacement card # ending in XXXX digit # XXXX according to your advertised brochure in less than then 5 days or more. Your advertised brochure leave me with the impression Transfer of Funds are done in less than 24hours. For the Week beginning XXXX XXXX, 2016 ; using your maybe taped conversation Online database phone prompt to enter my individual Social Security Number to access your " Customer Service '' Department. I, XXXX XXXX reported Lost of Stolen Paycard to Money Network Card Services at XXXX. I explained I was no longer in possession of your XXXX XXXX XXXX XXXX ending in the XXXX Card # XXXX that was issued to me from my employer " XXXX XXXX XXXX. I explained to XXXX XXXX XXXX XXXX Customer Service Representative via phone that I would like my card # XXXX to be put on hold to prevent fraudulent usage on my aprox. remaining balance of {$64.00}. Their Female Customer Service Representative stated she would put card # XXXX on hold and if or when ever located, I could call Money Network again ; to remove the hold and reinstate card # XXXX or cancel and activate a NEW replacement Paycard which I must receive from my employer " XXXX instead of XXXX XXXX which is different statement versus their enclosed brochure. For the week beginning XXXX XXXX, 2016, I in fact, called again was then told by Female Customer Service Representative that since the card # XXXX was put on hold due to Lost and Stolen reportage, I needed to PROVIDE the XXXX card # XXXX ( by the way, NOT IN MY POSSESSION ) to her for her to proceed any further plus I needed to cancel card # XXXX and activate a NEW replacement Paycard which I must receive from my employer XXXX instead of Money Network which is different statement versus their enclosed brochure. On, morning of XXXX XXXX, 2016, again I inquired and ending up speak with " same voice '' your female customer service representative, seeing I do n't have the payroll card # XXXX, but my social security number is attached to that card, could she " TRANSFER '' the remaining balance {$64.00} to the NEW ACTIVATED replacement card # XXXX that I received from my Employer XXXX. Employer XXXX was given by Money Network system a Support Card # XXXX which could be used for the Transfer of Remaining Funds to the New Replacement Card # XXXX. Again, your Female Customer Representative said NO. I inquired to I would like to speak to her Manager and get the Corporate number. Again, your Female Customer Representative said she could not provide Corporate number nor her Manager 's extension due to she was going to tell me the same thing she just told me concerning Transfer of Funds. Again, your Female Customer Representative, then explained only my Employer or their Payroll department could Transfer my remaining balance on the original " reported '' Lost or Stolen Card # XXXX to New replacement card # XXXX. Also, Transfer of Funds would not be the Money Network 's coding but " Money Network would utilized their REFUND code to Transfer funds to XXXX XXXX XXXX XXXX XXXX office which would take 5 days or longer. Previous experience with your Paycard or Checks in the past. Your corporation would have ask me certain identifiers to activate using my individual social security number, my birthday, etc.
08/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	WI 537XX	Web
I 'm a very small business owner who was the unfortunate victim of being given a stolen credit card over the phone for goods and service. I was the one who discovered the card stolen by reporting it to the police. I am out $ 1600+ because by the time I discovered it, the money was n't recoverable. I 'm guilty of being an idiot, but I am not dishonest. I 'm also a VERY small business owner and in this economy I live hand-to-mouth. First Data Merchant Services, my credit card processor, deducted $ 1400+ from my business checking with no warning, about a month later. That put my account into negative. My XXXX XXXX rejected the ACH due to insufficient funds. In fact there was no indication on the ACH as to who initiated the transaction and my Credit Union had to do some research for me. I signed up for my POS/Merchant Services through a third party, had no contract to sign and therefore I did not have much information to go by in order to contact them in an attempt to resolve the issue. After several attempts to talk to a physical person and leaving messages, I ferreted out an e-mail address and sent them one explaining my wish to negotiate a payoff. I did n't at any time dispute my responsibility. It was only my wish to not be put out of business. I have an e-mail trail after negotiating a payoff that would involve them intercepting XXXX % of my batches, that honestly did n't solve my problem. Plus they intercepted XXXX % instead and I resorted to taking out a loan at an interest rate that 's disgustingly high in order to save my business. They promised receipts and statements. They had to be continuously badgered for them. I did this via e-mail as I no longer trusted them to honor the agreement. I got one letter half way through the process to initially notify me of my responsibility to pay the debt. Once I had paid them off, requested a statement showing that the same day I received a letter stating that I owed {$1200.00}. I called, and they assured me that my account showed a XXXX balance. Then, they suddenly ACH deposited $ 1300+ into my account. I called and e-mailed. I was verbally assured that it was being taken care of. I was notified that they 'd intercepted the required amount from batches in order to remedy this error and I have in my e-mail that the intercept would be removed from my account as I was paid off. Two months later my bank account was ACH - $ 1400+ without warning. I spoke to my Credit Union, showed them my paper trail. They refused the transaction on my behalf and then revoked access to my account. On that day, I cancelled my account with them. Had to jump through hoops to have that confirmed and I signed up with a credit card processor that did not use First Data and anyone affiliated with them. I received another collection letter, which I disputed, showing them my paper trail, statements and proof of payment. They continued the collections process anyhow. I have since contacted an attorney who is willing to help me without billing me thus far. He suggested a Debt Verification letter, which I have sent. After 3 weeks of silence, my account has now been referred to a collection agency and have received a call today. My problem is that I have asked for specific answers to questions and had been assured on numerous occasions that my account showed no outstanding balance. Even on a day that I received a collection call, I called them back and the woman on the phone could not find a balance on my account. I have made every effort to pay them, have paid them and at this point I smell a rat. And even if I were inclined to throw money at it, I do n't trust paying them off again. And I ca n't afford to keep bleeding money to them either.
08/05/2017	Yes	Credit card or prepaid card Payroll card	Trouble using the card Problem using the card to withdraw money from an ATM	AL 36830	Web
My child was hired on his very first job this summer and was issued a payroll card through his employer. He asked his employer if they did direct deposits to local banks and he was informed that this was how the company issued pay checks. The first & second pay period went smooth however he could only find one ATM that offered the no charge fee per Money Network which was outside of our surrounding area and the card was n't accepted at local retails or anywhere actually. My son did n't want to pay several fees to receive his pay because he 's a teenager with a part-time job therefore he called to inquire about the upgrade to a personalized Money Network prepaid XXXX card. The pamphlet included in his startup packet stated that this card would be of no cost to upgrade however that was a lie. The customer associate we spoke with instructed my son that there were several maintenance fees associated with this card and that he was not eligible for the card because he was under the age of XXXX. My son was never informed that his card would be placed on hold due to an upgrade inquiry but that 's exactly what happened. Only XXXX XXXX, 2017 when my son went to debit money ( {$340.00} ) from his Money Network card to purchase items for school his card was declined. After several ATM attempts at different locations we phoned Money Network to learn that they had placed a hold on my child 's funds and had also charged a fee to his card for maintenance for no apparent reason. Which at that moment I asked how to remove the hold and requested that they refund him the fees because they were n't entitled to any maintenance fees. We were informed that this is standard policy for them when you attempt to upgrade and all we had to do was fax or mail in proof of identify and the hold would be released within 2-3 business days. Today is XXXX XXXX, 2017 and a hold is still placed on my child 's funds. We faxed proof of his identity which included his current paycheck stub and a state issued ID which were two items Money Network letter stated could be used as identifiers. His employer has also made several attempts to have his money taken off of hold and so have we. I have spoke with Money Network a total of 8 times multiple days with no resolution. Customer associates statements are always different each time you call. I was told they received my son 's fax on XXXX XXXX, 2017 and it was still being reviewed by a department that they could n't check with who makes the decision to release the hold. Another time we were told that my son needed to send in his social security card, passport, or even a credit card. Now we 're being told that his information was never received but we 've already been told it was and why does my son have to send in additional documentation when he sent two items which identified him. I will not compromise my child 's social security card or anything I feel could be used for identity theft when it is n't necessary. His social security card nor passport or a credit card was used initially to get this payroll card. My son has always verified his social security number each time a customer service associate asked for his information so my belief is that they are operating a ponzi scheme and Money Network banking practice is fraudulent. They should be ashamed targeting teenagers and consumers in general who work hard for their money. I have filed a complaint with the FDIC, Alabama State Attorney General, and now with you. We hope that you can help us resolve this matter asap or our next step will be legal action against Money Network.
06/06/2017	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Wrong amount charged or received	CA 91730	Web
XXXX Dear Sirs of CFPB, We have got the service of credit card merchant under # # XXXX from First Data Corporation since XXXX XXXX, XXXX. 1/First Data has increased the retail rate of agreement with us without notifying to us then they has over charged too much from our account during XXXX, XXXX. They has increased the retail rate of agreement with us without notifying to us that 3.688 % -4.658 % instead of 1.99 % & 1.89 % for Qualified discount rate of XXXX XXXX & qualified discount non-pin XXXX credit card ; 2.09 % for Mid-qualified discount rates of XXXX XXXX card ; 3.09 % for Non-qualified discount rates. Attached please find the Merchant processing Application And Agreement of credit card merchant service between XXXX XXXX XXXX with First Data which signed on XXXX, XXXX for your reference. 2/It is third time First Data did it for us during XXXX, XXXX-current. It is third time they did it for our account as our record that first time they did it on around XXXX, XXXX and second time they did it on around XXXX, XXXX. 3/The monthly statements without detail which kind of credit card/retail rate and amount of charge /service fee of each transaction and each date instead of monthly statement with detail which kind of credit card card/retail rate and charge of fee/ service fee of each transaction and each date. They just put the total charge of last month without detail in the statement of each month. So the customer can no find out how much of the charge from First Data by each transaction and each date of each month. Attached please find 3 statements of XXXX / XXXX for your reference. 4/ Where is our full monthly statements we need? First Data has rejected to provide us the fully detail of monthly statements which kind of credit card/retail rate and amount of charge/service fee of each transaction and each date which all in one list and they has rejected to return the over charge to us since XXXX. So how can we get idea of charge from First Data without full detail of monthly statements which kind of credit card /retail rate and amount of charge/service fee of each transaction and each date which all in one list? First Data just has provide fragmented spread sheets to us by lately e-mail on XXXX after our many times requests since XXXX, but it is not fully detail of monthly statements which kind of credit card/retail rate and amount of charge/service fee of each transaction and each date which all in one list we need. No one can get full idea and amount of the charge of each transaction of each date from the fragmented spread sheets which provided by First Data. Attached please find the fragmented spread sheets we got from First Data by their lately e-mail on XXXX for your reference. 5/ How can we login to First Data web site without First Data pass word which have to be got by First Data 's Fax. First Data has sent us the link of their web site XXXX XXXX by lately e-mail on XXXX.But we can no login to this web site without their pass word by their fax, we have not received pass word from First Data until today. That means they do not provided the list what we need until today still!!! attached please find the e-mail of this question between First Data and us for your reference. We ask First Data : 1/ Send us the full detail of monthly statements which kind of credit card/retail rate and amount of charge /service fee of each transaction of date which all in one list by XXXX. 2/ Return all over charge from our account to us by XXXX. XXXX XXXX XXXX XXXX XXXX Tel:XXXX XXXX XXXX Fax:XXXX XXXX XXXX E-Mail : XXXX
06/11/2017	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	OH 448XX	Web
My Check was declined by XXXX XXXX in XXXX, Ohio, where I reside on XX/XX/XXXX at XXXX XXXX The amount was {$62.00} and I was paying for pictures that I printed from their photo center. The receipt stated and I quote, " XXXX XXXX has decided not to accept your check. Our decision not to accept your check is based on, in part, on advice from TeleCheck. '' ... '' TeleCheck did not decide to decline your check, and is unable to provide you with specific reason ( s ) why this adverse action was taken. '' I had more than enough to cover the amount in my checking account. I was forced to use my credit card to pay for the pictures. The receipt gave a number where I could call and find out more information. Upon calling I had to enter the Denial record # XXXX and the amount the check was for. I was then told by a robot that my denial was due to the previous activity tracked by TeleCheck dealing with my routing number. I asked to talk to a customer service representative. Before she even spoke with me she got my address, phone number, and the last 4 digits of my checking account number. She told me that TeleCheck monitored my spending and that suspicious activity had taken place. I asked to speak to a supervisor. He referred to himself as, " XXXX '', and tried to repeat the same information. He stated that he would try and " update '' my records but could n't guarantee that I would n't be declined in the future. I asked him how long a period of time was stated in their " General Terms and Conditions '' and he said that there was not a set limit of time. I asked him how the process of declination happens and he said that Telecheck monitors spending activity of customers and if it seems out of the ordinary or " suspicious '' they decline. I replied, " How is tracking my spending habits legal? That 's not legal is it? '' He replied, No not really, but ... '' and tried to skip past that fact and cover it up. I asked him to explain how a company was allowed to track my spending habits. They processed a check on XXXX XXXX, 2017 from the same XXXX XXXX with no issues, but it was to buy medicine. He also denied that TeleCheck had General Terms and Conditions that I could look at to see what I was entitled to as a person who had used their service as a third party. I was discriminated against by profiling and invasion of privacy. TeleCheck does not have the legal right to track my spending habits and deny my purchases randomly. They also make you feel as it is your fault when you call and try to figure out what is happening to you. They do not have the right to allow some purchases and deny others because the purchases " seem suspicious '' or " out of the ordinary purchase range '' or even inquire about what I am buying and when. After reading several consumer reporting site and reading that the FTC charged them with a crime in which they had to pay millions for, more needs to be done with this company. They are selling my information based on my spending habits and profiling me based on what I purchase. I find it funny they approved the check I used to pay for my medicine since part of the lawsuit that the FTC brought against them, involved TeleCheck denying people the ability to pay for medicine and food. I also have premium checking in which any declined check is PAID FOR by my bank in full so there is no need for a return fee, and I pay a fee to my bank if that happens.
05/14/2015	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	NV 89101	Web
I opened an account with First Data credit card processing company in XXXX XXXX to collect payments on my website powered by XXXX XXXX. I did NOT sign or agreed to any contracts for any period of time. Since XXXX XXXX I have been charged an extra {$9.00} on my account every month. I called and complaint about the charge. First Data gave me a run around first saying that the merchant number that is on the monthly statements does not exists in their system and I need another merchant number that I do not have otherwise they ca n't talk to me. I was on the phone with them for 2 hrs when I found out that they changed my merchant number but never notified me. They also never notified me that I have to have a compliance certificate to fill out. First Data representative said that this was a charge for not being compliant regarding keeping credit card information safe. I told the representative that I am not the one who keeps or handles credit card information for my customers but it is First Data. When I receive an order the credit card numbers are blocked. I only see what the customer orders. It is First Data who was trusted with keeping customer information safe. I spent another 2 hours with gathering information and filling out the compliance certification. Half of these questions are about how the costumer credit card numbers were kept. When I finished I asked First Data ; how do you keep credit card numbers of my customers safe? They said that they ca n't tell me how the information was kept and I should do some research online. I told them that they are the one who needed to fill out a compliance certificate. They refused to fill it out or give me any information on what they do the credit information. Even though, I did the compliance certification they kept on charging my account every month. I decided that this company was unsafe to use and I did n't want to continue any relationship with them. In the mean time without my knowledge they got into my bank account and withdraw {$10.00}, I still do n't know what for. When they withdraw the {$10.00} they overdraw my bank account that I wanted to close and the bank charged me {$25.00} for an overdraft fee. I called First Data to tell them that I am closing my account but there is no one to listen. I left messages for First Data but I never got a call back. Then I was transferred to XXXX different representatives because supposedly they are not allowed to close an account on XXXX/XXXX/XXXX. The last representative I got was XXXX at the XXXX number on XXXX/XXXX/XXXX. When I said I was closing down the account XXXX said that I could not because I have a contract with them till XXXX! I did NOT sign any contracts with them to handle my funds nor I allowed them to take money out of my bank account for undisclosed reasons and amounts. First time I called and left a message for First Data on XXXX/XXXX/XXXX that I closed my account with them. I asked for First Data 's address so I can close the account down in writing and send them my invoice to get my money back that was stolen out of my account. It is 3X {$9.00} + {$10.00} + {$25.00} overdraft fee. {$64.00} + {$35.00} inconvenience fee = {$99.00}. It is obvious that First Data keeps credit information fraudulently otherwise they would have disclosed the method with me. This company is a fraud and should not be in business since they are scamming the public.
03/03/2016	Yes	Credit reporting	Incorrect information on credit report Account status	NC 275XX	Web
My complaint is with Telecheck and TRS ( their " debt recovery '' team ). On XXXX/XXXX/2016, XXXX checks were returned to XXXX different grocery stores for NSF due to another merchant making an unauthorized transaction. I put money in my account immediately and both grocery stores resubmitted the checks and they cleared on XXXX/XXXX/2016 with no issue. I attempted to purchase groceries today but my check was declined. I called the number and was routed to the Debt Collection Service that tried to get me to pay the amount of one of the returned checks plus a XXXX NSF fee. I informed them that the check was resubmitted and cleared my bank nearly a week ago. I was told that I would not have a check approved at any merchant that uses Telecheck ( which means basically ANY MERCHANT ) for at least 7-10 BUSINESS DAYS ( in other words -- XXXX full weeks ). They also continued to press me to pay the " debt '' that I supposedly owed ( even though it had already been paid by my bank ). I received NO NOTICE from either grocery store or Telecheck that there was an outstanding debt ( which there was n't because both checks were honored when resubmitted ). I was not charged any NSF fees by the actual merchants that accepted the checks ( indicating to me that since the checks were honored and paid, that was the end of the matter ). However, after speaking to XXXX levels of employees at Telecheck, they refused to correct the erroneous information regarding an " outstanding debt '' and the refuse to approve me for writing any additional checks because they say I have an " outstanding debt ''. I faxed a copy of my check transaction record to Telecheck to prove to them that the check was paid and cleared and asked for them to correct my record and allow my to start writing checks again. They refused and said that I would have to wait for their systems to " automatically update '' which could take 7-10 BUSINESS DAYS. In addition, Telecheck would not promise that any additional checks would be approved EVEN IF the debt was paid due the fact that there had been a debt ( according to them ) in the first place. Due to Telecheck 's inadequate processes and procedures, I am now effectively barred from writing checks to any merchant until such time as Telecheck decides I should be allowed to write checks again. However, Telecheck 's own websites state that they will decline checks due to insufficient history causing a " catch-22 '' ... you ca n't write checks and get them approved by Telecheck because Telecheck wo n't approve you and you wo n't be approved by Telecheck until you have written and had checks approved. Furthermore, there is NO WAY of knowing whether a check will be approved until you get to the counter and they attempt to run your check through and Telecheck issues its decision ... Telecheck is essentially forces consumers into playing " Russian Roulette '' if they want to do business with a merchant and write a check. With credit cards and other financial instruments, you know ahead of time whether the credit/debit card will be accepted because you have a well-defined credit limit. If you are under your credit limit, your credit card is accepted. However, due to the way Telecheck operates, you have no way of knowing whether your check will be accepted ahead of time even if you have plenty of money in your bank account to cover the check.
05/24/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	MI 48178	Web
I am a merchant who has processed customer credit cards for many years. I signed an agreement with " XXXX '' a credit card processing company on XXXX Included in this agreement was a lease arrangement for terminal equipment. This was done to facilitate " chip compliance ''. However, my business was for sale, and I made clear to XXXX that the lease on such equipment would terminate upon sale of the business, and I indicated this in writing on the agreement. Subsequently the business was sold on XXXX and the equipment returned. Then I received billings on lease payments due and termination fees from a sub company known as " FirstData ''. When I contacted XXXX about this, they said FirstData is a seperate entity and there is a termination fee, and that I signed a document regarding this. When I asked for a copy, they sent me two documents. the first was the supposed original agreement that I had signed. When compared to the original in my possession, there were multiple alterations, including my Tax ID, my form of business, an altered personal guaranty section, phone number section and hand written notes pertaining to schedule of payments and a note stating " note ; lease dissolves when office sold '', which had been removed. The second document was completely fabricated using the first altered document, " whiting out '' pertinent info and utilizing an XXXX ( XXXX XXXX ) I use which has no customers, processes no cards and conducts no business. They then put in the bank account from the first business, altered the " years in business " section, altered the " business type '' section, put in a fabricated billing address, including city and zip code, and expunged my handwritten notes, clearly utilizing the original altered agreement as a template to fabricate a second account ( m ost likely to secure another sales commission in doing so. ) These fraudulent documents are then used by FirstData to establish a business relationship with the consumer/merchant and collect fees of various types. When confronted, XXXX , did nothing except hear my complaint and. as of yet, they have not addressed the altered document stuation. and simply thrown the ball to FirstData, who, when notified on XXXX that I was making this complaint ( at XXXX XXXX with one " XXXX '' ) simply laughed and hung up. I did ask, at the beginning of the call, if it was being recorded, and she answered affirmatively. it would be interesting to listen to ) XXXX XXXX agreement to which FirstData is a party to is a clearly altered document, as well as extremely misleading to the consumer, and a document that the XXXX agent clearly did not explain when asked and who did not reveal when questioned that the word '' lease '' does not pertain to service agreements, as it does to equipment, and which terminology was conveniently expunged from the document. Now , First Data is seeking monetary recompense based upon fraudulent documentationand trying to obtain so through misleading, underhanded and fraudulent means. I have the original copies and the faxed copies, along with copius notes, names and dates. The offending companies should also have these copies. I also note that I have filed a seperate complaint regarding XXXX alone.
08/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	OH 453XX	Web
I received a phone call on XXXX/XXXX/15, from TRS Recovery Services , Inc. " XXXX XXXX, '' representative, said he was from TRS calling to collect on a bounced check. There was no prior written notice from TRS and no report from my bank. He said an electronic check was returned to XXXX and if I did not pay they could block my account and keep me from using checks to pay my bills. I said " Who are you and what bounced check? '' I had just been through the closing and opening of several bank accounts and changing passwords on accounts and emails because of FRAUDULENT charges. " XXXX XXXX '' threatened that they could keep me from opening a bank account anywhere else! I told him that I was not paying them anything until I checked with my bank and that maybe an attorney should get involved ( since nothing in writing had been received ). I knew nothing of this until TRS CALLED me. My bank found that an electronic check was returned on the account that was closed. It was caught in the middle of quickly closing XXXX account and opening another. However, I was advised not to deal with TRS but contact XXXX directly ; ask to send the payment directly to them. A phone call to XXXX was useless. They hired this company and their head of accounting related that " once a check is in their ( TRS ) system there 's nothing we can do. If you send it here ( to XXXX ), there is no way we can credit it. " So it seems that TRS Recovery Services , Inc. has been given free reign to bully, intimidate and threaten without limits. There are many complaints with the FTC and Attorney General against TRS. An online check of this company revealed:1. The XXXX has them listed with a D- rating. 2. TeleCheck Services , Inc., XXXX of the nation 's largest check authorization service companies, along with its associated debt-collection entity, TRS Recovery Services , Inc., have agreed to pay {$3.00} XXXX to settle Federal Trade Commission charges that they violated the Fair Credit Reporting Act ( FCRA ) 3. The order settling the FTC 's charges requires TeleCheck and TRS to alter their business practices to comply with the requirements of the FCRA and the Furnisher Rule in the future. This case is part of a broader initiative to target the practices of data brokers, which often compile, maintain, and sell sensitive consumer information. Consumer reporting agencies like TeleCheck are data brokers that sell information to companies making important decisions about consumers, such as their ability to get credit or pay for goods and services by check. 4. Legally, they must produce all records pertaining to their claim, validate any debts, identify the original debtor and supply the amount they are claiming against the person IN WRITING. I gave " XXXX XXXX '' my correct address XXXX/XXXX/15, when he called, THEN they sent their written notice -- to my OLD address. It was received on XXXX/XXXX/15 ; however, the date of XXXX/XXXX/15 was the " date authorized '' on their notice. I do not mind correcting a mistake when a company follows legal procedures and notices, however, I am filing a complaint against this company because threats, bullying and intimidation should be monitored and controlled, not tolerated!
11/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 923XX	Web
Please see the following letter ( sent Certified to TRS XXXX/XXXX/XXXX disputing the supposed debt relating to the deposit check written by myself on XXXX XXXX for {$4000.00} toward purchase of a vehicle that failed precipitously ( even before I got home that afternoon ) which sent the vehicle off the road entirely and very nearly off a XXXX ' cliff. Thursday, XXXX XXXX, XXXX TRS Recovery Services/TeleCheck XXXX Department/Disputes XXXX XXXX XXXX XXXX XXXX, Texas XXXX Via FAX and Certified XXXX Re : Stop Payment on check # XXXX per your reference # XXXX Checking account # XXXX XXXX XXXX XXXX amt. {$4000.00} To whom it may concern ; On XXXX XXXX, XXXX I wrote the subject check to XXXX / XXXX XXXX ( not XXXX XXXX XXXX as a deposit during the purchase of a Certified XXXX XXXX XXXX vehicle ( XXXX miles ) During the drive home the transmission failed ( exploded ) forcing me off the road suddenly and to my terror and without warning very nearly drove the vehicle off the XXXX XXXX some XXXX to XXXX ' below off XXXX XXXX near XXXX, XXXX.. not 45 minutes after leaving the dealership. At XXXX XXXX next morning ( XXXX XXXX ) I contacted the salesman and the manager of the dealership and promptly rescinded the option agreement as is my right in XXXX which I had signed the evening before and sent the spare set of keys back via XXXX XXXX. Even though I can not be entirely certain, by my records the check was presented for payment several days later, with full knowledge of the fact that I had stopped payment on the check and that I had no intention of honoring any sales agreement that had by this time been rescinded and that I had no intention of going ahead with any purchase of any XXXX vehicle ever again, anytime soon and certainly never wished to see the vehicle that had almost killed me the evening before. I later learned the vehicle 's XXXX location needed XXXX tow trucks and the XXXX XXXX XXXX to stop/control traffic for several hours. Aside from collecting my personal belongings from the vehicle the next morning at the tow company I never wanted to see that vehicle or any vehicle from XXXX XXXX XXXX again ... Needless to say ( and the subject of this dispute ) I wrote to the dealership, got no action or assistance of any kind and so explained that I was rescinding our contract and that I had stopped payment on the subject deposit check earlier that very day ( AND FOLLOWED THAT NOTIFICATION UP WITH THIS LETTER OF CANCELLATION ) If you require proof and/or validation of this event and or it 's details it may help to contact XXXX XXXX at XXXX customer relations in XXXX at : XXXX : XXXX XXXX XXXX XXXX. XXXX Fax : XXXX XXXX XXXX E-mail : XXXXXXXXXXXX Web : XXXX IN CONCLUSION : Therefore I completely dispute the validity of this transaction which was initiated by XXXX of XXXX without my knowledge or authorization and as any reasonable person might assume hereby notify XXXX of the dealership 's apparently suspicious attempt to gain payment of the above mentioned {$4000.00} whilst already knowing the transaction to have been canceled in it 's entirety days beforehand on the morning of XXXX XXXX, XXXX. Sincerely, Signature Name, Address/Telephone # withheld
10/24/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WI 54880	Web
In XX/XX/2019, I became the head of my small family business when my parents retired. One of the first steps we took together was attempting to transfer the old credit card terminal to deposit customer payments into my new business checking account. We had always worked with First Data, and used a credit card terminal we bought and paid for, rather than was leased to us. After contacting them about transferring it to my new account, the sales rep, who identified himself as " XXXX '', remotely deactivated our old terminal, declaring it obsolete, with no authorization from us whatsoever. We were then told about a new terminal we could lease for just over {$26.00} per month, with no other hidden fees. After pressing him on this last point no less than three times, and being told again and again that the monthly fee would never exceed {$26.00} and some change, we agreed to the lease. However, while I never received a lease to sign ( apparently, my mother signed up ), I did receive the new terminal, and began using it, allowing First Data to debit what I thought was {$26.00} directly from my account monthly. After 2 months, bank statements were showing multiple debits under different descriptions from First Data totaling over {$50.00} each month. When we called them to figure this out, we were told that the lease can not be cancelled, unless we were willing to pay nearly {$5000.00} to purchase the new terminal. After learning that the same terminal can be bought for a total not exceeding {$300.00} ( I will include the link to the listing at the bottom of this message ), I sent back the terminal and, having never signed any lease or contract, believed that would be the end of it. I also learned that " XXXX 's '' number was disconnected, and supposedly, nobody at First Data knew who he was. As a safety precaution, I changed by business checking account to prevent future debits for a service I no longer wanted. In XX/XX/XXXX, I began receiving bills from First Data insisting that I either write them ongoing checks or provide new banking information for ongoing debits. I'm including copies of some of my earlier bills. Included also is a copy of a letter I wrote back, telling them to stop billing me for something I'm in no way obligated to continuously pay for ( as I haven't signed anything ). This past week, after several bills of fluctuating amounts that I have been ignoring, I have now received a Final Demand for Payment letter with over {$900.00} of late fees, totaling over {$1000.00}. This letter includes threats of legal action in addition to the usual suggestions of reporting my credit. Unfortunately, I have discarded this last letter, and can not attach it here. I can only imagine that if I were to pay off this bill, I'd be at risk of receiving another one just like it in a matter of weeks, all based on a lease I've never signed. Below is the link to the credit card terminal that sells new for a total of {$300.00}. This particular device only works with a different merchant service, but the one I received from First Data, who wants thousands of dollars for its sale, is identical. XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX
12/30/2019	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TN 376XX	Web
On XX/XX/XXXX at around XXXX XXXX I received a notification from my banks mobile app alerting me of a transaction. This transaction wasnt done by me and I immediately reported this to my bank and requested the transaction be canceled or put on hold which was refused. They stated that was something that didnt have the ability to do and I had to wait until the charge cleared then go through the dispute process. They stated there was nothing they could do until it cleared and to call back. The charge cleared a couple of days later. I called and they made me cancel the debt card and expedited me a new one. The dispute had to be in writing and it could only be mailed regular mail. They stated they could not email, fax, or expedite the dispute form. I received my new debit card on XXXX I didnt receive my dispute form until XX/XX/XXXX. Once received I immediately filed the form out and sent it back. XX/XX/XXXX was the 10th business day. Which has bee confirmed with the bank and noted as well that I did in fact return the form within the appropriate amount of time to qualify for the provisional refund if not resolved in 10 business days. During all of this I have been doing my own research only going by the merchant name on the transaction. I have found a lot of information that this charge was done by a scam artist with a fake website. The website is XXXX. I found 2 physical addresses on the contact section a customer service phone number and a text only phone number. Per recommendation from my bank I contacted the merchant and only received a response via the text only phone number which is XXXX. They would only respond late at night/early morning around XXXX in broken English. The last response I received was them stating they are refund if me the money. Now they dont respond at all. I sent my banks dispute department an email with screen shots of all the text messages, the website, the addresses, everything that I had found. I called the bank a few times to check for updates because wasnt getting anything via email. No updates have been placed on my account. There is no way to contact the dispute department directly or talk to them. Customer service cant answer any of my questions and make it nearly impossible to get help. I feel like Im fighting the bank more than the scammers. Today is the 11th business day since I sent my form in. I have no resolution and it refund. My name on the account is XXXX XXXX the debut card is a pay card from my employer. The bank is Money Network. The card says issued by XXXX XXXX XXXX. XXXX XXXX owns Money Network though. I have contacted the law firm whos address is being falsely used on this scam website. I have contacted the police in the town where the return address is located which are apartments. I have filed a complaint with the XXXX, the FTC, and now you guys. I have called the FTC and FDIC and the regulator for XXXX XXXX XXXX to try to get clarity on the dispute process and regulations that banks have to follow but have yet to receive any answers. Im lost and feel like Im being cheated and no one seems to want to help me!!! I feel like Im being mistreated and mislead by Money Network.
01/04/2017	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	CA 92108	Web
A merchant service representative named XXXX XXXX, of XXXX XXXX XXXX came to my restaurant, XXXX XXXX XXXX XXXX, unsolicited and told me I was paying too much for credit card processing and offered to lower my payments. XXXX XXXX reviewed my current contract and the associated equipment leases and XXXX XXXX assured me that by switching companies to XXXX Payments I would save a lot of money. I would simply have to pay a cancellation fee of approximately {$500.00} to XXXX but he told me the savings would be well worth it. I went ahead and agreed to transfer over to a new processor ( XXXX XXXX Payments ). A few days later XXXX XXXX came back to my restaurant and presented me with new numbers for a different company that he also works with, XXXX XXXX, and XXXX XXXX said that XXXX was a " better, easier to deal with company '' than XXXX Payments. XXXX XXXX said he is no longer representing XXXX XXXX Payments due to " issues he has had with their management and shady business practices. '' XXXX XXXX said that since I had not installed the equipment nor signed a " Delivery and Acceptance '' form for XXXX Payments, he could proceed with getting me to sign up with XXXX instead and that he would take care of the details. I received the documents from XXXX in an email so at XXXX XXXX 's direction I signed them electronically. XXXX Payment, First Data, XXXX Pay and XXXX are now charging me. All XXXX are threatening legal action and claim that I have binding contracts with them. I have reviewed the signatures on the First Data and XXXX XXXX Payment contracts and they are not my signatures. I did not sign the documents and they are forged. I have tried to contact XXXX XXXX and he refuses to return my phone calls and will not undo what he did. I can not locate a physical address for him. XXXX XXXX signed the contracts as the Sales representative and he may be the XXXX that forged my name on the XXXX Payments and First Data agreements. Companies involved : XXXX XXXX XXXX XXXX XXXX XXXX Cell : XXXX Fax : XXXX XXXX Payments XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX First Data Merchant Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX faxXXXXXXXX XXXX XXXX Fax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX I do not have any of the equipment left by XXXX XXXX. My attorney returned the equipment to its appropriate company, XXXX XXXX Payments and XXXX. My attorney, XXXX XXXX, has tried to resolve these issues with all the companies involved. XXXX XXXX will not respond to XXXX XXXX XXXX and the other companies will not agree that no contracts are binding on me based upon the fraud of their agent, XXXX XXXX. I request that XXXX Payments and First Data recognize that I never signed any contracts with them and to stop harassing me for payment. I request that XXXX and XXXX acknowledge that their agent committed fraud and agree that I am not bound by any agreements with them and for XXXX to stop trying to collect payments from me.
05/04/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 956XX	Web
On XXXX XXXX 2017, I received a letter of Notice dated XXXX XXXX 2017, in th e mail allegedly from TRS Recovery Servic es XXXX XXXX . Notice is titled " Notice of Unpaid Electronic Transfer '' and is attempting to collect a debt of {$450.00}. The details contained in the notice are : Orig. Creditor : XXXX XXXX Current Creditor : Telecheck Services , XXXX . Principal Amount : {$450.00} Total Amount Due : {$450.00} Date Written : XXXX XXXX 2017 Ch eck Number : XXXX Returned : Stop Payment Reference # : XXXX I have never purchased a XXXX nor have I ever visited XXXX ( much less purchased anything from there ) nor has my wife or any member of my family. On XXXX XXXX 2017 ( the same day I rec eived the notice ), I contacted the Office of the Attorney General of Texas. An employee advised me that ( 1 ) TRS R ecovery Services XXXX XXXX . i s a registere d 3rd party debt c ollector , ( 2 ) they are a subsidiary of Telecheck Services, ( 3 ) their fi le number is XXXX , ( 4 ) their Bond Number is XXXX ( issued by XXXX XXXX Company of Maryland ). S he also recommended that I order copies of my credit reports from XXXX . I reviewed the credit reports that I received and there were no disparaging remarks of any kind. On XXXX XXXX 2017, we also contacted XXXX ( a t XXXX ) where I spoke to a representative who identified herself as XXXX . I provided XXXX with the information from the notice ( I.E. , EFT Ch eck Number and Reference # ). XXXX said that this information didnt seem to relate to any information in the systems that she had access to and could not identify them. Since the notice dated XXXX XXXX , 2017 f or a check allegedly written on XXXX XXXX , 2017, I posed a hypothetical question to XXXX : If somebody wrote a check and it was returned for a stop payment, would XXXX turn it over to debt collector after ju st one week? XXXX response was unequivocal : XXXX Must wai t 90 days. In researching XXXX / XXXX /Telecheck Services, XXXX . online , I have found many complaints on XXXX , Better Business Bureaus XXXX , XXXX , and other sites. Further, I saw that Telecheck Services XXXX XXXX . was a defendant in a recently settled class action law suit as well as settling an FCRA case initiated by the F TC. On XXXX XXXX 2017, I rece ived another notice from TRS Recovery Service s , XXXX . Thi s notice, dated XXXX XXXX 2017, is titles NOTICE > > > IS FURTHER ACTION NECESSARY. The details in the second notice are the same as in the first notice. Further, this notice is first requesting that payment in full be made by cashiers check or money order. In the very next paragraph, it says that I may also pay online by Visa or MasterCard at ww w.firstdata.com/trs. Given all of the above, I believe and feel that TRS Recovery Services , XXXX . is attempting a fraudulent act. Therefore, I did not contact TRS Recovery Servi ces XXXX XXXX . directly. Instead, I am initiating this complain.
06/11/2019	Yes	Checking or savings account Checking account	Closing an account Can't close your account	CO 800XX	Web
My adult child passed away on XX/XX/XXXX. As we were grieving, we did not attempt to settle the estate until XXXX of XXXX. There were three financial institutions we had to contact to request account closing and estate assets. Two of the organizations released our son 's assets to us with minimum back and forth. The third organization, Money Network, received the same documents but has not released our son 's funds as of XX/XX/XXXX. I first wrote money network on XX/XX/XXXX, submitting the standard documents needed for claiming assets for an estate in the state of Colorado. This included a notarized affidavit, an original copy of the death certificate, a written request, and a copy of the account statement. I received a reply from Money Network dated XX/XX/XXXX. The form letter indicated several things : 1 ) they had received my written request, 2 ) they had the original evidence of authority ( the affidavit ), 3 ) they did not have a copy of my government issued id, and 4 ) they had received the certified death certificate. The document notes that I have satisfied three of their four criteria and that they just needed a copy of my id. This was comparable to my experience with the other two institutions. I sent them another letter on XX/XX/XXXX with a copy of my driver 's license. I received a reply from Money Network dated XX/XX/XXXX. This was the same form letter that I had previously received. The newest version showed that I had provided a government id copy, but also indicated that they did not have original evidence of authority - directly contradicting their previous letter. A note attached indicated that they did have the affidavit, but stated that it was not signed. The original affidavit I sent them is a one page document with two sides ( signatures and notarization on reverse ). I do not understand how they claim to have the document but not the signature. I sent them a final letter on XX/XX/XXXX. It explained my experience to date and included a two-sided copy of the original document. As I thought this may not be enough as it was just a copy, I also had a new affidavit signed and notarized so that they would have a fully executed original version ( if they had lost or damaged first original ). As with all my correspondence with Money Network, I sent the letters through the US Post Office with tracking. On the USPS website the tracking number shows that my XX/XX/XXXX letter to the Money Network was delivered XX/XX/XXXX at XXXX XXXX and was " left with an individual ''. I have not heard from Money Network since XX/XX/XXXX. I should note that earlier this year ( or late last year ) Money Network sent a notice indicating that the account was being converted to a fee bearing account. As my child is deceased and there is no activity on the account they are now charging {$5.00} per month in maintenance fees. I continue to receive statements from Money Network on this account ( our son lived with us and had the same address ), including the last one dated XX/XX/XXXX. They continue to deduct this fee each month.
12/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	SC 293XX	Web
I received a letter in the mail on XXXX/XXXX/15 from TRS Recovery Services and telecheck. The letter stated that I made a {$480.00} purchase from XXXX XXXX on XXXX/XXXX/2015 and then stopped payment on the check. The letter had " Notice of Unpaid Electronic Transfer '' at the top of the page. It read that the above referenced electronic transaction could not be completed because either I had stopped payment on this transaction or my account may not be authorized for ACH transactions. Telecheck has purchased this dishonored electronic fund transfer referenced. As a result, TeleCheck has forwarded the debt to its affiliate, TRS Recovery Services , Inc. for collection. Your file has been assigned to the Recovery Department where it will be given to a professional collection agent. It stated that I purchased an item in the amount of {$480.00} from XXXX XXXX and a check was written on XXXX XXXX, 2015 and a {$25.00} returned check fee was added. I do not have a bank account with the bank they are claiming it was written on, XXXX. I have not ordered anything from XXXX and I called XXXX and they verified that I had not ordered anything from them. I called TRS Services and after reluctance I gave them my current bank info, drivers license number, and social security number and they said that I had bought something an account from XXXX Bank. I have never banked with this bank. I went to XXXX bank on XXXX/XXXX/2015 and the bank verified that I did not have an account with them and that I have never used an account with them to purchase any items from XXXX, nor had anyone else committed identity fraud with my information. And they also verified that no one had ever opened an account in my name. I called TRS back and was hung up on XXXX different times by their representatives. I called XXXX back and was told to call TRS. Both companies, Telecheck and TRS Recovery Services have made an error and are refusing to rectify the situation. They are wanting me to get a certified letter from XXXX saying that I have never banked with them, and then send them XXXX pages of information including all of my personal banking information and a picture of my drivers license. It should be up to this company to fix this. I have not ordered any items from XXXX as verified by XXXX and I do not have an account and never have with XXXX bank. I am having a hard time even understanding how Telecheck says that a transaction occured with an account from XXXX when their has never been an account in my name with said bank and also how a transaction for {$480.00} of products were bought from XXXX when XXXX verified to me that the transaction never occurred. I did not order from XXXX and I want to know how and why this company has my information and are making false claims and threats against my character and my credit. I do not know if I can file a police report because no one has used my identity because there has never been a XXXX account in my name and no items were purchased from XXXX. This company needs to be stopped!
12/21/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 992XX	Web
In XXXX XXXX, we received two notices from XXXX XXXX XXXX indicating they are a debt collector trying to collect on two bad checks : one notice indicated a check was written on XXXX XXXX, XXXX, at XXXX, in the amount of $ XXXX, and it was returned with a " stop payment ; '' the other notice indicated a check was written on XXXX XXXX, XXXX, at XXXX in the amount of $ XXXX, and it was returned due to a " hold on funds ; '' there is an additional {$30.00} with this transaction for " returned check fee. '' After receiving these notices, my wife went to the credit union that we bank with. They had received no notification regarding these checks and also pointed out these check numbers are not in sequence with our current checks. We were very confused and concerned as to why we received these notices. On XXXX, my father told us that his checkbook was stolen when his house was burglarized in XXXX XXXX, a few days before the checks were written. He said the local Police Department had contacted him asking if a certain person was on his checking account. He told them " no, he had no idea who this person was '' and the officer said thank you. My father then went to his bank, as he was concerned that someone was using his stolen checks. The bank closed his account and refunded him for the one check that did clear. My wife and I at this point realized that my name was on my father 's accounts at his bank and the notices I had received from XXXX XXXX XXXX were in regards to the checks that had been stolen from my father and were being used fraudulently. My wife filed a police report on XXXX XXXX, XXXX, with the Police Department for these fraudulent checks and the crime committed against me. There is also a police report for the break-in at my father 's house. On XXXX XXXX, XXXX, I sent a letter to TRS Recovery Services via fax and certified mail indicating these checks were stolen, fraudulent and forged. I included both police report numbers in my letter. I also included correspondence from the bank indicating that check # xxxx was not written by anyone authorized on my father 's account. I also explained that the account was closed which is why check # xxxx was returned. I told them to cease any collection processes and requested written correspondence that collection procedures had been stopped. XXXX XXXX XXXX sent me correspondence dated XXXX XXXX, XXXX, indicating " this debt was incurred by you or someone acting with your authority and was NOT due to forgery, fraud or identity theft. You are still responsible for paying this debt. '' They further indicated " As a result of this investigation, XXXX XXXX XXXX XXXX XXXX considers this dispute resolved. We will assume you agree with this finding unless we learn otherwise from you. '' These checks were clearly fraud and forged and I feel I am being harassed by XXXX XXXX XXXX We have good credit, have never been pursued by a collection agency for any reason and are very reluctant to continue communication with this company.
12/21/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 992XX	Web
In XXXX XXXX, we received two notices from XXXX XXXX XXXX indicating they are a debt collector trying to collect on two bad checks : one notice indicated a check was written on XXXX XXXX, XXXX, at XXXX, in the amount of $ XXXX, and it was returned with a " stop payment ; '' the other notice indicated a check was written on XXXX XXXX, XXXX, at XXXX in the amount of $ XXXX, and it was returned due to a " hold on funds ; '' there is an additional {$30.00} with this transaction for " returned check fee. '' After receiving these notices, my wife went to the credit union that we bank with. They had received no notification regarding these checks and also pointed out these check numbers are not in sequence with our current checks. We were very confused and concerned as to why we received these notices. On XXXX, my father told us that his checkbook was stolen when his house was burglarized in XXXX XXXX, a few days before the checks were written. He said the local Police Department had contacted him asking if a certain person was on his checking account. He told them " no, he had no idea who this person was '' and the officer said thank you. My father then went to his bank, as he was concerned that someone was using his stolen checks. The bank closed his account and refunded him for the one check that did clear. My wife and I at this point realized that my name was on my father 's accounts at his bank and the notices I had received from XXXX XXXX XXXX were in regards to the checks that had been stolen from my father and were being used fraudulently. My wife filed a police report on XXXX XXXX, XXXX, with the Police Department for these fraudulent checks and the crime committed against me. There is also a police report for the break-in at my father 's house. On XXXX XXXX, XXXX, I sent a letter to XXXX XXXX XXXX via fax and certified mail indicating these checks were stolen, fraudulent and forged. I included both police report numbers in my letter. I also included correspondence from the bank indicating that check # xxxx was not written by anyone authorized on my father 's account. I also explained that the account was closed which is why check # xxxx was returned. I told them to cease any collection processes and requested written correspondence that collection procedures had been stopped. XXXX XXXX XXXX sent me correspondence dated XXXX XXXX, XXXX, indicating " this debt was incurred by you or someone acting with your authority and was NOT due to forgery, fraud or identity theft. You are still responsible for paying this debt. '' They further indicated " As a result of this investigation, XXXX XXXX XXXX XXXX XXXX. considers this dispute resolved. We will assume you agree with this finding unless we learn otherwise from you. '' These checks were clearly fraud and forged and I feel I am being harassed by XXXX XXXX XXXX. We have good credit, have never been pursued by a collection agency for any reason and are very reluctant to continue communication with this company.
03/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	NC 27406	Web	Older American
On XX/XX/XXXX and XXXX XXXX, XXXX paid for purchases at XXXX XXXX and XXXX, respectively with a personal checks. During the same month I attempted to open a separate account at a different bank that would allow me to transfer funds to my grandson 's bank account who was in school in a different state. I learned, while trying to open a new account that my name was in XXXX which came as a complete surprise. When I called the number given to me by the bank, I was advised that my checks were presented on a " closed account '' according to my credit union. This was not true. The Credit union provided a letter to TRS Recovery Services stating that it was an error that my account was showing " closed '' and I paid both checks with certified funds. I shopped in a XXXX XXXX store on XX/XX/XXXX and attempted to pay for my purchases via check ( my debit card was lost during the XXXX holidays and I had not received a replacement card yet ) and my check # XXXX was denied. I had just checked my account via automated system prior to shopping and my balance was more than enough to cover my purchase so I approached the manager after calling the " XXXX '' number at my CU and learning that I, without question, had sufficient funds. The manager then checked and noticed that TRS was denying the check. She contacted TRS after getting on the phone with my credit union so that they could verify my available funds but the CU could not override TRS in their system and interface the transaction with XXXX. TRS told the manager that I would have to make purchases ( via check ) to establish a history with them in order to clear my account. XXXX of all I am being penalized because of an error that my CU made back in XXXX and which has since been corrected and the checks paid and Secondly, how can I re-establish a check cashing history if TRS is denying my checks particularly since XXXX - TRS is used by most merchants in this area. The manager of the grocery store asked the same question but go no satisfactory answer. This company refuses to consider the fact that they got a signed letter from XXXX XXXX Credit Union stating the fact that is was an error on their part that my account showed " closed '' at the time the checks were presented in each store and NOT INSUFFICIENT FUNDS. To continue to penalize me when evidence has been presented to refute the initial claim and the fact that TRS agreed that I should not pay returned check fees on either check and the fact that I have paid both checks with certified funds, in my opinion is double jeopardy if there is such a term in debt collection. I am penalized for something I DID NOT DO! I am seeking your assistance in clearing this matter up so that it does not continue to defeat my efforts to clean up my credit and improve my credit score. I have XXXX addresses for TRS Recovery : XXXX XXXX, XXXX, XXXX XXXX ; XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ;
03/11/2016	Yes	Bank account or service Checking account	Making/receiving payments, sending money	OH XXXXX	Web	Older American
Over a period of several years, I have made many purchases at an office supply retailer, mostly paying for them with a credit card. On XXXX XXXX, 2016 I made a purchase, costing a little more than {$150.00}, using a personal check. To my great surprise the cashier advised me that my check was " denied '' and gave me no explanation. There was plenty more in my checking account to cover the cost and I have never written a bad check. I used a credit card and the transaction went through without a problem. The next day, out of great concern for why my check was denied, I returned to the retailer and spoke to the assistant manager. He was very professional and immediately offered to look into it. He made a phone call, asked me a number of questions and I answered them. He was advised that my check was " referred, '' not " denied, and was advised to tell me to call an XXXX number to learn why my check was " referred. '' Anxious to learn about my " problem, '' I returned home and called the number. The company was TeleCheck, unfortunately, a recorded voice answered and proceeded to ask me a number of personal questions, including the dollar amount of my purchase, date of the purchase, and entire line of data at the bottom of my check. After repeating this process at least three times, I was told that someone would be with me in a moment. Following about 10 minutes of silence, I got a busy signal and I hung up. I re-dialed, and went through the process again. The voice finally advised with words I believe were : " ... ( a few short words I do not recall followed by : ) sorry for the inconvenience. '' and disconnected. I had no opportunity to speak to a human being and was left wondering about my checking account, my credit rating, etc. I then XXXX " TeleCheck '' and learned from numerous, written, customer " complaints '' that they are a fraud. I made copies to pass on to the retailer and my banker, both of whom thanked me for the information. My big concern is that I have not been told why my check was " declined, '' initially, and then was " referred. '' Another big concern has to do with the company, TeleCheck. This is a company that has been in the security business a long time and is now regarded by many innocent customers as being a fraud. From what has happened to me ... providing the recorded voice with some very personal information about me and my checking account ... I am extremely suspect as to TeleCheck 's intentions. I can not help but believe that this is an attempt by TeleCheck to steal my identity information and make it available to others at a profit to themselves. After a long history of customer abuse, I do not understand why this company is allowed to continue doing business! I trust that you will look into this matter as soon as possible and will get back to me regarding the next step in this complaint by me. Thank you very much.
08/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	OR 97301	Web
A check which I wrote to XXXX for {$25.00} was returned, and I received the following email from XXXXXXXXXXXX : Greetings from XXXX. XXXX uses TRS Recovery Services , Inc. ( " TRS Recovery Services '' ) to process customer payments made via electronic bank account transfers. TRS Recovery Services has been notified that your financial institution was unable to process a transaction relating to your recent XXXX order ( s ). Some of the more common reasons that this may occur include, mis-keying account numbers and/or routing numbers, omitting digits to account numbers or recent changes to your financial institution 's ABA Routing Number and/or account number structure. You may be receiving, or have already received, a telephone call from TRS Recovery Services regarding this issue. This contact was authorized by XXXX. Most processing errors are correctable with some simple changes to the electronic funds transfer request. TRS Recovery Services has a toll-free number you may use to contact them in order to provide the information necessary to reprocess this transaction. This call should take just a few minutes, provided you have your banking information readily available. Please call ( XXXX ) XXXX ( outside of the US, call XXXX ), Monday through Friday, between the hours of XXXX XXXX. to XXXX XXXX. CST, or Saturday between the hours of XXXX XXXX. to XXXX XXXX. CST. Both TRS Recovery Services and XXXX appreciate your response and attention to this matter within the next XXXX business days. Once you have addressed this issue with TRS Recovery Services , Inc., please allow two to three business days for your payment to clear. Please note that we have placed your XXXX account on hold pending resolution of this matter. This means that you will not be able to access your account/order information online. We will remove the hold from your XXXX account when TRS Recovery Services confirms that the amount in question has been paid in full. We appreciate your understanding. Sincerely, Account SpecialistXXXX.XXXXI called TRS Recovery Services at the number and gave a card to pay off the {$25.00}. They took my card and informed me that I had paid. I asked if the sum was {$25.00} and, for the first time, they informed me that I was charged {$50.00}, including a {$25.00} fee and that my account was in collections. I had not been informed that I had been sent to collections, the communication informing me of the debt had neither the amount of the debt nor did it disclose that it was an attempt to collect a debt. It also did not notify me of my right to dispute. I was only notified that I may dispute the {$25.00} fee when I complained about it. They reversed it, but indicated that I would still owe it.
09/12/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA XXXXX	Web
Income tax Fraud since XX/XX/XXXX in the amount of {>= $1,000,000} ( employment history began in XX/XX/XXXX ) for payroll shortages, lack of timely raises, non-receipt of benefits, excess social security and medicare taken from payroll, excess state and federal taxes taken from yearly tax returns. Stolen identity. Personal information has been used to create fraudulent documents to commit forgery with several banking institutions. No documents or requested checks have been received from Telecheck dispute that was mailed on XX/XX/XXXX. Therefore, I would like to sue Telecheck in the amount of XXXX XXXX for concealing fraud with the Virginia Department of Unclaimed Property, total {>= $1,000,000}. Internal Revenue Service 843 Valuation form for XXXX and XXXX XXXX for Income Tax Fraud on behalf of XXXX XXXX and XXXX XXXX XXXX in the amount of {>= $1,000,000} will leave a remaining liability of {>= $1,000,000} that I am requesting is deposited in my XXXX XXXX XXXX checking account that was opened on XX/XX/XXXX. XXXX XXXX XXXX XXXX : //www.uscourts.gov/services-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 There is no grantee or trustee for properties that were reported to the US GAO. XXXX XXXX does not have the authority to reverse any banking transactions. Share price with XXXX is {$130.00}, .1 adjustment for XX/XX/XXXX Dividend Reporting Tax preparation of XXXX ( corporation, adjustment not to be used for defrauding the government on Bureau of Insurance fraud ) and XXXX XXXX XXXX XXXX who are clients that are under debt collection with the Internal Revenue Service. Document Preparation Fee of {$110000.00}. I have prepared 5 documents that have been used for financial preparation with banking institutions and budgeting with the City of XXXX, total document preparation fee of {$550000.00} for XXXX XXXX XXXX XXXX XXXX XXXX. Denied participation fee of {$560000.00} that has been sent to the Internal Revenue Service dated XX/XX/XXXX is only to be used at my consent for account maintenance for clients not for personal use. Unpaid property taxes effective XX/XX/XXXX ( not to be used for defrauding the government dispute or songwriting dispute for XXXX XXXX due to funding already being received from XXXX XXXX ). Please have the City of XXXX Deed/Land Records and XXXX XXXX XXXX update the Virginia Land Cover Sheet to XXXX XXXX as the owner. The property is not under shares with XXXX XXXX XXXX XXXX the property is being claimed under forgery proceeds and Income Tax Fraud.
05/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SD 572XX	Web
This is your accountability Telecheck : I receive emergency hardship checks from the XXXX District of which I applied for the funds & AGAIN XXXX with Telecheck has again declined another check. WHY???? Previous communications with XXXX corporate from last years checkbelow HOWEVER due to this recent " blacklisted '' XXXX checking account from XXXX employee ( s ) with Telecheck check cashing database the XXXX checking account is " blacklisted '' punished by XXXX. I told her XXXX she decided she's going to make sure that NO XXXX checks are no longer good at any XXXX that she would have to go over XXXX Federally Recognized XXXX to do her endeavors. XXXX response : we're not allowed to change the status of a check regardless of being accused of fraud or cashing illegally, we're not allowed to change the status of the checking account or to call Telecheck to do so for anything. XXXX DOES NOT take/accept " cashier 's checks ''. ( THIS IS NOT A CASHIERS CHECK! ) ... while I still sit out here waiting for XXXX to contact Telecheck in regards to ALL of this & no toilet paper or toothpaste for me in this waiting process to be repaired IMMEDIATELY. I as a Consumer/Customer still in decision of filing Federal complaints with some federal agencies because the Company/Corporate has an employee ( s ) as such who can utterly destroy things for us XXXX ( federally ) & somewhere in this I'm am also hoping that part of the XXXX will file for their Right to Know why XXXX as a merchant will not accept their checks in violation of federal Laws. ( FCRA ). ... With her XXXX employee decision ( XXXX, NM is the busiest XXXX in the Country-hopefully the store will close down now ) thanks to XXXX employees unethical, unprofessional, illegal misconduct ... My XXXX is now " blacklisted '' ostracized from utilizing other merchants with their checks via Telecheck & XXXX XXXX. WHEN THE DISTRICT OF MY XXXX WHO ISSUES THESE CHECKS FOR ME CONTACT TELECHECK YOU TELECHECK DO NOT TELL THEM WHAT NEEDS TO BE FIXED & FOR ME HERE IN XXXX ITS VERY DIFFICULT WITH YOUR ILLEGAL GAMES TO PLAY. I'M XXXX OUT HERE & THE FUNDS ASSIST ME WITH FOOD & NECESSITIES BY PUTTING THE FUNDS MADE PAYABLE TO XXXX ON A GIFT CARD DUE TO NOT HAVING WHAT CRIMINAL XXXX & TELECHECK EMPLOYEES OTHERWISE SO STATE. SHOULD THE DISTRICT NEED TO GO TO XXXX FOR OFFICE SUPPLIES-WHAT DO YOU TELL THEM ABOUT NOT BEING ABLE TO USE THE CHECKS TO PURCHASE SUCH THINGS AT XXXX? THIS YEARS CHECK IS FROM ELDERLY FUNDS INDICATING NOW I AM AN ELDER/SENIOR CITIZEN. I'M GOING TO FILE A CFPB AS WELL AS A FCRA COMPLAINT. I DID NOT BRING THE CHECK OR THE INFORMATION PAPER PRINTED WHILE THE CHECK WAS DECLINED BY BOTH XXXX & TELECHECK.
08/01/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OR 97601	Web
Enclosed is a copy of my messages with my credit union : XXXX XXXX XXXX XXXX XXXX XXXX regarding XXXX, TRS Recovery Services, and Telecheck Services ( all XXXX affiliates ) : RE : RE : Charge Dispute for XXXX.XXXX/TRS Services Address XXXX XXXX XXXX XXXX Date XX/XX/2019 XXXX PDT Subject RE : RE : Charge Dispute for XXXX You can process a Revocation of Authorization. With the revocation of authorization you are making a legal statement saying you did not authorize the charge, date or amount. Processing the form will request your funds from Friday back. It will also prevent charges from XXXX coming through in the future. It needs to be in place 72 hours prior to the next charge for it to prevent future charges. The merchant does have six months to dispute the revocation. Provisional credit is usually given through this period. Please let me know if you would like for me to proceed. I will be out of the office Wednesday through Friday. Thank you, Member Service XXXX -- -- - [ From : XXXX, XXXX ( XXXX ) ; XX/XX/2019 XXXX ] -- -- - Yes I did but they outsource to a company that is called Telecheck and XXXX Services who is doing the random charging. They said to submit a claim but is it possible to decline the payment they took on Friday? I did not authorize them to keep charging my account. They said it could take up to 30 days if they even give it back. I think this is fraudulent activity especially since they have overcharged me by about XXXX dollars. -- -- [ From : XXXX XXXX XXXX XXXX ; ] -- -- - Good morning XXXX. Have you contacted XXXX regarding the purchase price issue? That would be your first course of action. XXXX dispute phone number is XXXX. They will work with customers regarding charges or service. They should be able to help provide a credit to your account. It looks like you have provided your account number and the charges are being processed as an ACH debit, with your account number, to your account and not with your debit card. Please let me know if you have further questions. Member Service, XXXX -- -- - [ From : XXXX, XXXX ( XXXX ) ; XX/XX/2019 XXXX ] -- -- - I was recently charged by XXXX Services today for a dispute that was resolved and I am wondering if you may please reverse or deny a pending charge that was charged today ( XXXX ) in the amount of $ XXXX $ XXXX {$65.00}. In total, they have charged me {$200.00} for an order that should have only been {$60.00} ( with 2 return check fees of {$25.00} ). I have also been in contact with the agency. I don't think they should be able to continually charge my debit card whenever they want. Thank you for your help. XXXX XXXX
12/27/2018	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	IL 60615	Web	Older American, Servicemember
To Whom It May Concern : My name is Mr. XXXX XXXX XXXX, I am a United States Veteran and Senior Citizen writing you concerning a matter that happened in XX/XX/2018 regarding my payroll account. I worked for XXXX XXXX during the month of XXXX I received two direct deposits to my XXXX XXXX card. One direct deposit was for XXXX and the balance was XXXX that was on XX/XX/2018. Then on XX/XX/2018 a direct deposit was made to my payroll card for XXXX the balance was XXXX. I submitted a police report for the incident that took place on XX/XX/2018 and I am still waiting for a claim form to be sent to me for the XX/XX/2018 incident as well. I also ; reported that my wallet had been stolen to the XXXX XXXX located in XXXX, IL thats the office I work out of from time to time. I also ; reported my debit card stolen to XXXX XXXX. On XX/XX/2018 I filed a police report concerning my payroll card and wallet being stolen, which I have a copy of. I also ; spoked with one of your representatives concerning the account ending in XXXX and debit card ending in XXXX, which the XXXX was taken out of an ATM and a withdrawal fee was applied. I asked specifically, why when the card was reported stolen was it not immediately cancelled? The response that I was given was that there were transactions still being made so, therefore the card remained open. If a debit card has been reported stolen by the owner it should be immediately cancelled! The second payroll card which ended in XXXX and account number ending in XXXX had a deposit made to it for XXXX and a balance of XXXX on XX/XX/2018 this card was never in my possession. Now, tell me how can there be two different payroll cards with two different account numbers which has two different pin numbers attached to them and someone is still able to extract money from each account! I have proof of everything that is mentioned in this letter. On the payroll card ending in XXXX there were two transactions made at XXXX gas station, one for XXXX and another transaction for XXXX on the same day XX/XX/2018. I didnt purchase any gas because I dont own a vehicle. Then Im sent a letter stating that my claim has been closed. By all means this situation is far from over, I have alerted the Illinois State Attorney General 's office and the XXXX. I will also ; be getting an attorney and involving the State of Illinois Veterans Administration. I will advise that this case be revisited and reopened, there will be documentation included with this initial letter of notification. In closing if there are any further questions please fill free to contact me @ XXXX. Sincerely, Mr. XXXX XXXX XXXX
01/25/2017	Yes	Bank account or service Checking account	Using a debit or ATM card	NE 68502	Web
I have NEVER, EVER experienced such unprofessional service as what has occurred with a fraud situation with XXXX XXXX ; payroll provider for XXXX. On XX/XX/2017 my wife and I went to a local supermarket, XXXX to purchase some groceries as there was a pending ice storm. My payroll debit card was declined which was impossible as I was just paid two days prior and had not spent much of the funds. We came home and logged on to the website and noticed XXXX FRAUD CHARGES ; XXXX pending with XXXX for {$260.00} and XXXX charges for a company known as XXXX XXXX XXXX ( XXXX charges for {$100.00} and XXXX for {$51.00}. We immediately called the XXXX # on back of card and where directed to a XXXX male who spoke XXXX. He told me to contact the merchants and try to cancel with them. My wife works at a bank, XXXX, and explained that the procedure is generally a fraud affidavit and to dispute the charges. The XXXX male assured me he would send out a fraud affidavit and we had only 10 days to dispute charges from XX/XX/2017. I contacted XXXX but you can only contact them via an online email form. I described the situation and asked for them to cancel the pending charge of {$260.00}. By XXXX on XX/XX/XXXX, the XXXX charge was cancelled and money of {$260.00} was back in my account. I conacted XXXX XXXX XXXX via email form to as there was no phone number as out of country company. I did not hear back from the company until email received on Wednesday, XX/XX/XXXX stating that there was nothing that the company could do to explain the charges since WE HAVE NO PRIOR BUSINESS with them but they " would cooperate with any disputes with the debit card company. '' I forwarded all documentation to Money Network via fax and mail on XXXX/XXXX/17 and then sent out all the documents via priority mail return receipt on Friday XX/XX/2017. I have retained all necessary documents which can be provided if needed. I regret having my money deposited with Money Network AKA First Data as now my co-workers have informed me that they have had similar situation and have NEVER received a resolution and that I would likely lose my money as the 10 days have now expired. I NEVER RECEIVED a fraud affidavit from the company and now am very concerned as the unprofessionalism and lack of understanding is clear on part of an out sourced call center to another country. I have done everything correctly and spent time and out of pocket to try and correct this situation for obvious FRAUD but the company does not seem to care to respond or act. I am at wits end and hope that at least but notifying the CFPB someone else does not go through this mess.
04/06/2019	Yes	Credit card or prepaid card Payroll card	Trouble using the card Problem with a check written from your prepaid card account	VA 245XX	Web	Servicemember
On XX/XX/XXXX, I receive a call that displayed as from XXXX XXXX XXXX. The caller identified himself as from XXXX XXXX XXXX. He explained that my card was showing suspicious activity and wanted to know if I had lost my card. I told him no it was still in my possession. He said he needed to put a stop on my account and would issue me a new card. He needed to confirm my pin and would send out a new card within 24 hours. After the conversation, I immediately called back the number that had called me and I received the XXXX XXXX XXXX recording, so I felt the call was legitimate. The next morning I received a notification that my account had dropped below {$20.00}. I immediately logged onto my account and found that {$500.00} had been removed from my account via ATM in XXXX, Florida. I immediately called to report what happened and was told I would receive paperwork to complete in 3-5 days. On the 5th day I called to ask why I had not received the paperwork and was told I had not given them enough time. I went out of town the following week and when I returned I had the paperwork but the deadline to return it had passed. So when I contacted them back they said my claim was denied, so I appealed, with a appeal letter and all the information they requested. I the called to make sure they received everything. They did. I was told it would take 45-90 days for an investigation and for me to call back for updates. I called back about once a month, and each time I was told The was nothing to report, call back. After the 90 days I started calling more often. Every time I was told there was no updates they was sending an message to the appeal department and call back in 72 hrs. I have been doing this since XX/XX/XXXX. When I called in XX/XX/XXXX I was told they had been trying to contact me for a week, calling everyday. I had received no calls and had no messages. Now I was told to hang up and wait for them to call and make sure i answered. I made sure they had the phone number correct. I waited 5 more days and called back. When they looked me up this time I was put on hold then told I needed to fax my letter of appeal and information in again. You can imagine my response and I ask them to repeat because they are hard to understand and I thought I had heard wrong. No they said they did not have my information. I ask them why it took 6 months for them to tell me that and they said they couldnt tell me, they just didnt. This is a card provided to me by my employer and my paycheck is deposited by weekly. It is a visa and is used every where. I have refaxed all the information again Saturday XX/XX/XXXX.
08/01/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OR 97601	Web
Enclosed is a copy of my messages with my credit union : XXXX XXXX XXXX XXXX XXXX XXXX regarding XXXX, TRS Recovery Services, and XXXX XXXX XXXX all XXXX affiliates ) : RE : RE : Charge Dispute for XXXX/TRS Services Address XXXX XXXX XXXX XXXX Date XX/XX/2019 XXXX XXXX Subject RE : RE : Charge Dispute for XXXX You can process a Revocation of Authorization. With the revocation of authorization you are making a legal statement saying you did not authorize the charge, date or amount. Processing the form will request your funds from Friday back. It will also prevent charges from XXXX coming through in the future. It needs to be in place 72 hours prior to the next charge for it to prevent future charges. The merchant does have six months to dispute the revocation. Provisional credit is usually given through this period. Please let me know if you would like for me to proceed. I will be out of the office Wednesday through Friday. Thank you, Member Service XXXX -- -- - [ From : XXXX, XXXX XXXX XXXX ) ; XX/XX/2019 XXXX ] -- -- - Yes I did but they outsource to a company that is called XXXX and XXXX Services who is doing the random charging. They said to submit a claim but is it possible to decline the payment they took on Friday? I did not authorize them to keep charging my account. They said it could take up to 30 days if they even give it back. I think this is fraudulent activity especially since they have overcharged me by about XXXX dollars. -- -- [ From : XXXX XXXX XXXX XXXX ; ] -- -- - Good morning XXXX. Have you contacted XXXX regarding the purchase price issue? That would be your first course of action. XXXX dispute phone number is XXXX. They will work with customers regarding charges or service. They should be able to help provide a credit to your account. It looks like you have provided your account number and the charges are being processed as an ACH debit, with your account number, to your account and not with your debit card. Please let me know if you have further questions. Member Service, XXXX -- -- - [ From : XXXX, XXXX XXXX XXXX ) ; XX/XX/2019 XXXX ] -- -- - I was recently charged by XXXX XXXX today for a dispute that was resolved and I am wondering if you may please reverse or deny a pending charge that was charged today ( XXXX ) in the amount of $ XXXX $ XXXX {$65.00}. In total, they have charged me {$200.00} for an order that should have only been {$60.00} ( with 2 return check fees of {$25.00} XXXX. I have also been in contact with the agency. I don't think they should be able to continually charge my debit card whenever they want. Thank you for your help. XXXX XXXX
04/03/2019	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	OH 43068	Web
On XX/XX/XXXX and XXXX, XXXX my XXXX account was compromised and my card information on the account was used for 9 different transactions for a total of {$820.00}. After reading my email on XX/XX/XXXX I noticed an email confirmation for something i did not buy. I immediately called the XXXX XXXX XXXX XXXX customer service and put a block on my card and had them send me a new one. I tried to contact the seller " XXXX '' to get a refund. They told me i need to contact XXXX and get a refund through them. I proceeded to file a dispute claim through XXXX for all 9 transaction. After a couple days i got a Refund on 3 of the transactions for {$61.00}, {$36.00}, {$56.00} for a total of {$150.00}. XXXX XXXX sent me a form on XX/XX/XXXX that i completed with all of the above information. They sent me a letter dated XX/XX/XXXX that stated " Based on the results of this investigation, your claim has been denied due to inconsistent conflicting information given.You have the right to request copies of the documents that we relied on in making our determination. We consider this claim resolved and your claim has been closed. '' On XX/XX/XXXX i wrote them a letter stating that i would like them to reopen the claim and credit me for the total amount minus what was already refunded, {$670.00}. I also stated that i would like to request the documents that they used for their investigation. It is now XX/XX/XXXX and i have not received a letter from them yet. All of the transactions are listed below, including the three refunds i received through XXXX. I would like to have my account credited for {$670.00}. XX/XX/XXXX XXXX ( {$590.00} ) {$1900.00} XXXX XXXX.XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$59.00} ) {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$63.00} ) {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$0.00} ) {$1700.00} XXXX XXXX-XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$41.00} ) {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$0.00} ) {$1800.00} XXXX XXXX-XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$36.00} ) {$1800.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$0.00} ) {$1800.00} XXXX XXXX-XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$61.00} ) {$1800.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$0.00} ) {$1900.00} XXXX XXXX-XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$41.00} ) {$1900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$0.00} ) {$1900.00} XXXX XXXX-XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$55.00} ) {$1900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$0.00} ) {$2000.00} XXXX XXXX-XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$56.00} ) {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX
03/16/2016	Yes	Bank account or service Checking account	Making/receiving payments, sending money	NC 28306	Web
My check was declined with a local merchant as a result of Telecheck. When speaking with their representative, I was met with individuals with a strong foreign accent. However, I could cope with that more so than I could the fact that they were unable to give solid details on why the check I wrote was declined. I understand that this company is meant to protect merchants. But my checking account had the funding available. They inform me that my driver 's license was connected to an account at a bank that I have never frequented. In fact, there is no bank of that name in my city. In my efforts to the have the issue resolved, I was hung up on once. But as I continued to call back I was met with some very professional individuals who explained more clearly what was transpiring. However, my ultimate concern is whether this company should be merging the efforts of guaranteeing checks and debt collecting within the same umbrella. When the two purposes are merged into one, you have chaotic experiences like this one. While I have never had a checking account with the alleged bank in question, I am being treated as a fraudulent person. There is no rational reason for denying my check with thousands available simply because of an account with another bank. Even if I had that account, would n't it be feasible to simply contact me about it rather than create a massive issue via denial of my active checking account. This is not a credit issue. This is my money which I should effectively be able to spend at my leisure with any vendor. I am not confident in this company 's operation and I certainly am not confident in their ability to follow through and effectively investigate the matter as they claim they will. After about an hour of communicating, I am pretty confident that they will not adequately handle this situation and I may have to resort to a lawsuit with them and the vendor. They were unable according to the representative to provide any pertinent information about the alleged account. This is a direct violation of my rights as a consumer. I required full disclosure of the information for which they had on file as well as details on the account that triggered my denial. However, they were unable to provide and instructed me to complete a form so they could begin an investigation. The company has already taken adverse action against me by denying the approval of my check. The investigation should be required before action is taken is the method most suitable for the consumer.
04/25/2018	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble using the card to spend money in a store or online	KS 66061	Web
I called to inquire how to be able to add money to my account. The person on the phone was confusing and hard to understand so they said they would send me a packet of information. I had to verify my identity through an automated system. When I received the packet of information, it stated that my account had been placed on hold and the upgrade was pending. I had to send in information to verify my identity. I tried to call the company to find out what happened. They stated that some information didn't match through the system when I was verifying my identity. Turns out, it was my email address because I have two different ones and wasn't sure which one I use. They said the only way to unlock my account is to fax in my driver 's license and social security card. I sent the information on XX/XX/18. I called a few days later and was told they were unable to read my driver 's licence because the copy was too dark. They told me I needed to email my driver 's licence and social security card. I am only XXXX and didn't really think anything of it. When I asked my mom to help me send the information she said we are not sending my social security card to them via email, it is not secure and now even with us faxing it I am worried about my identity and information being stolen. My mom called them and finally someone said they would accept a paystub and my driver 's licence instead. I emailed that on Friday XX/XX/18 and the lady said it would take about an hour. We called back the following Monday because I still don't have access to my money. I keep being told something different, someone told me 5-10 business days, someone said an hour, someone said 3-5 business days, and another person said 2-3 business days. Called back today, Wednesday XX/XX/18 and was told it should have been unlocked but unfortunately it hasn't been for some reason, but the " back office '' that handles that is closed now so I will have to call back tomorrow morning. I am in school and this has been very frustrating because I can not call while I am in school. They will not talk to my mother, even though I am a minor, unless I am on the phone every time and give permission for them to talk to her. I feel taken advantage of because I am young and this is my first time dealing with a financial institution and very frustrated that even though I am a minor they won't allow my own parent to help me resolve this issue.
08/25/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	OK 744XX	Web	Older American
On XX/XX/XXXX, a representative from First Data, XXXX XXXX identified himself as the XXXX XXXX XXXX XXXX XXXX XXXX. He had looked at my account and said I was being overcharged by XXXX XXXX XXXX. I would be issued {$640.00} for these overcharges that I did not receive. Furthermore I would be changed to First Data, changing the discount from 3.48 % on XXXX XXXX XXXX to .05 % with First Data. When I told him I was on a contract with them XXXX, he said he would take care of any fees and charges associated with breaking my lease. After I was changed to First Data, I was debited monthly for {$68.00} from XXXX XXXX ( their lease # XXXX ). from my bank account. I was told by them I could not break the lease and was liable to pay for four more years or buy it out for over two thousand dollars. I called First Data to speak with XXXX XXXX and absolutely no one had even heard of this man. I was on the phone over an hour from one extension to another. Now I am paying for 2 accounts {$68.00} for XXXX XXXX and {$76.00} for First Data lease # XXXX. On XXXX, XXXX XXXX from First Data called and said I needed better equipment to reduce my fees and service discounts, I told him I was already paying for two processors and was only using one and wanted nothing to do with anything from First Data. He said he was sorry this happened but he would send a processor and pin pad programmed and ready to plug in. It would require to write a new lease ( # XXXX ) and replace the old ( # XXXX ) .I would need to increase my lease for 4 more years with a cost of {$93.00} monthly. The new XXXX XXXX arrived without a pin pad. and it was the same as the one it was to replace. I called to request the pin pad and XXXX XXXX said it would be here in three days. Well it was n't. Now I am paying for three leases a total of {$170.00} to First Data. My lease has been four years with XXXX XXXX and should not be billed anymore. I returned their machine. They are calling the store and my home harassing me for payment since I stopped payment on their debit After I have written First Data again, I have received a letter with apologies but he said he could not do anything. That was another part of the company. I have five of these letter scanned and attached to this complaint form. Will I ever be able to get out of this mess? I am a small XXXX XXXX and am suffering from this.
04/27/2018	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Can't stop withdrawals from your account	CT 06410	Web
The Company I work for was using accepting credit cards sales using 'XXXX XXXX XXXX XXXX XXXX XXXX ' for processing. Back in XX/XX/XXXX we switched processing companies, because the rates we were being charged were very high. To make sure our new systems was to our liking, I did not cancel the original account until XX/XX/XXXX. I was told to submit my request by email or fax, I choose fax, I addressed the Cancellation Department at XXXX, as instructed requesting notice to cancel our Merchant Account # XXXX immediately. I have the faxed Transmission Verification Report, with date and time. They did charge us in XX/XX/XXXX, which I am not deputing, but then again in XX/XX/XXXX, our Company bank account was debited {$82.00}. I tried to contact the credit card company, but was put on hold so long, I had to hang up. Then in XX/XX/XXXX they charged us again {$82.00}. Finally on Wednesday, XX/XX/XXXX, I was persistent to reach someone and straighten this out. Spending over 45 minutes on the phone I spoke to XXXX at XXXX. She said they never got our faxed noticed and she checked their fax machine and it didn't show it was received. I resent with the fax print out showing original date & time. She told me " anyone could have changed time & date ''. Basically calling me a liar. I asked to speak with her Manager, again I was out on hold for 20 minutes, until she came back stating he said they could only credit me one month. I said I have proof, obliviously someone on their end drop the ball in XX/XX/XXXX. She won't let me speak to a Manager, I asked several times, I got " he's on another line '' and then " he's not in his office ''. She even accused us of using their services in XX/XX/XXXX, when their bill clearly shows No Activity. As I stated i have no problem with the XX/XX/XXXX charge. She asked why didn't I call earlier, and I said I tried but I can't be on hold as long, this call is already 45 minutes. So, I called my bank person and he said we were charged again in XX/XX/XXXX, {$82.00} and he suggest me to contact you. First, I did leave a voice message yesterday saying I was going to do this unless I hear back from them within 20 minutes. Of coarse, no call. It's not a whole lot of money, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX total {$240.00}. It's the principal. I feel this is either a scam or fraud on their part. It just not right.
03/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NC 275XX	Web
On XXXX/XXXX/2016, I wrote a check number XXXX to XXXX XXXX in the amount of XXXX. The check was returned for NSF. The check was presented a second time to my bank and clear on XXXX/XXXX/2016. I was never contacted by XXXX XXXX, Telecheck, or TRS Recovery Service. I considered this incident closed. I subsequently attempted to write a check at another merchant and that check was declined. When I contacted the XXXX number provided on the declined check, I was routed to TRS informing me that I owed a debt of XXXX + XXXX for returned check fee. I was also informed that no further checks would be approved until this debt was satisfied. I informed them that the check had been resubmitted and the full amount had been debited from my account on XXXX/XXXX/2016 so therefore there was no outstanding debt. They indicated that it would take at least 10 business days for the status to update and during that time, no checks would be approved by Telecheck. I spoke to a supervisor at Telecheck and was informed that I should fax proof that the check had been paid to their " resolutions '' department. I did that on XXXX/XXXX/2016. On XXXX/XXXX/2016, I spoke with XXXX different representatives from Telecheck who still maintained that my account was showing that there was an unpaid debt despite receiving information showing that the check hand been paid. They indicated that even though the information had been submitted to the resolution department, it would be XXXX30 days for them to " research '' the matter and during that time, my checks would be declined at any merchant that uses Telecheck ( which is essentially ALL merchants since most merchants in my area use Telecheck ). I was told that if I paid the debt directly to TRS that day, that my account would be updated within 24 hours and my checks would start being approved on XXXX/XXXX/2016. Because I rely on my ability to write checks, I was coerced into paying the XXXX + XXXX for a total of XXXX to TRS in order to clear my account and provide me with the ability to have my checks approved again within 24 hours rather than having to wait the XXXX30 days it would take for Telecheck to " research '' and update my file appropriately. Because of Telecheck 's refusal to update my record in a timely manner, I have now paid the same debt twice PLUS and additional XXXX NSF check fee.
01/17/2018	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	OH 44446	Web
On XX/XX/XXXX, I noticed three consecutive unauthorized charges on my account from that date. The first was to XXXX XXXX DVRS ( a known fraudulent charge ) for {$10.00} from XXXX XXXX, Florida. The next two were both to XXXX XXXX in XXXX XXXX, New York one for {$67.00} and the other for {$200.00}. I contacted XXXX XXXX immediately and had to talk to 3 different people and was told there was nothing that could be done at that time as the charges were only pending but I could contact the companies responsible for the charges and have them reversed. I contacted XXXX first and was advised they had no record of the charges in their online system. They were charges made at a retail location and I would need to contact my bank to have them removed. When I called the number XXXX XXXX provided for XXXX XXXX, I was advised that this number was no longer in service. I contacted XXXX XXXX again on XX/XX/XXXX regarding the charges again. The two charges from XXXX were no longer pending and I was advised they could be removed if I called back once they were not pending. This time I was told all they could do was issue a dispute and I would not get my money back but they would issue me a new card at no charge. They charged me {$5.00} for the card and no dispute was submitted. I called again on XX/XX/XXXX and was told to stop calling because I was responsible for all the charges because I gave someone my card and I would not receive and credit or a new card and my old card was now cancelled so I would have no way to access my funds going forward unless I transferred them to another account and paid a fee to do so every time. I am out the {$280.00} stolen from my account plus the {$5.00} and have lost several hours of work trying to get this resolved. I also am in Ohio and have been the entire time these charges were made which should tell them that I could not possible make it from XXXX XXXX, New York and back to Ohio to call and dispute the charges or even make the other charges on my account in my area that same day. The representative named XXXX advised me that I can not give people my card and then dispute the charges just because I do n't want to pay for them. When I told her the card was never out of my possession and I did not authorize anyone to use my card. She told me " Yeah right. That 's what they all say ''
10/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	PA 191XX	Web
On multiple occasions from XX/XX/XXXX to today XX/XX/XXXX telecheck has incorrectly reported my personal check writing history to multiple retailers including : XXXX XXXX ( 6 seperate visits ), XXXX ( 3 seperate stops ), and XXXX ( 1 stop tonight involving two transactions with two seperate checks written by me to retailer ). Each occasion telecheck has denied authorization of 10 seperate checks belonging to two of my accounts one a business checking account and the other a high yield investors checking account. The only grounds for denial being that they have zero history of me writing any checks in the past, which is incorrect as I wrote personal checks from my XXXX XXXX and XXXX checking accounts to my landlord for rent every month from XX/XX/XXXX to XX/XX/XXXX ; all of which were cleared without issue by my landlord. The two payments made tonight were actually authorized with the checks both franked and processed as authorizations, clearly showing an authorization frank on the signature line on the back of both checks and no mark or indication on the back of the check showing denial of payment. The register for both transactions at XXXX still came up as denial of payment by telecheck which was completely contradictory to what the check itself reflected. I then call the authorization phone line and am told that they were going to decide how much I am allowed to spend out of my own accounts with my own checks, which was a slap in the face at the very least and that I would have to calll the department that handles those issues in the morning tomorrow. All of this during my endless work in repairing my credit and taking my own business to the next level, most of which starts with making these much needed purchases mostly equipment in order to effectively sky rocket my corporation in its infancy. It seems as though telecheck and many other financial institutions/ merchants are purposely attempting to pull the rug out from under me at the most critical portion of my entrepreneurialship at 2 years and 3 months in business. I feel as though I am being completely discriminated against on the grounds of Ageism and My high level of knowledge and intelligence and it has literally put myself and the business in a crippling financial stalemate that could make or break a tremendous enterprise.
08/26/2019	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	HI 96817	Web	Older American
My problem is with First Data which is a credit card processing company. They proccessed my credit card transactions for my small business, XXXX XXXX Hawaii. My contract ended in XX/XX/XXXX but they continued to bill me. They acknowledged that they owe me {$510.00} and said they transferred money to my bank account. It turns out that they attempted to transfer it to my old checking account at XXXX XXXX XXXX which was odd as they've been depositing and debiting money in and out of my current account for about two years prior to this supposed transfer. This was according to XXXX on XX/XX/XXXX, who is one the managers. He said he'd call me back but never did. I called again on XX/XX/XXXX and left a message for XXXX to call me back and he didn't call. On XX/XX/XXXX, I called again and talked to XXXX who got my current checking account information and he assured me the money would be transferred to that account. On XX/XX/XXXX I left another message with XXXX to call and, once again, he didn't return my call. I called later that day and he told me the money should be in my account on XX/XX/XXXX. On XX/XX/XXXX the money still wasn't transferred so I called and talked to XXXX. She put me on hold and said that she walked over to the finance department and watched them transfer the money and it should be in my account within 5 - 7 working days. It was never deposited so on XX/XX/XXXX I called and explained the situation to someone who didn't give me his name. He transferred me to XXXX 's line and I got her voice mail but didn't leave a message. I called later that day and talked to XXXX ( I'm not sure I got the name right but it sounded like a female ). She told me XXXX was out to lunch but assured me that XXXX would call me back within an hour. Needless to say, I did not receive a call back from XXXX. On XX/XX/XXXX I left another message for XXXX to call me but he hasn't. All the people that I talked to at First Data confirmed that I was overcharged the {$510.00}. Today 's date is XX/XX/XXXX and there is still hasn't been a transfer from them into my checking account for the {$510.00}. I have no email trail as you can not correspond via email with this company. Your advise would be greatly appreciated. Thank you.
07/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38118	Web
Someone is using my personal information to abuse my credit. My drivers license have been stolen, my social security card have been stolen. The spelling of my name is being used as XXXX XXXX XXXX, XXXX XXXX XXXX. Someone have a address in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX. I recently received a copy of my credit report from XXXX. The date of receipt was XX/XX/XXXX. The FBI told me to pull all of my tax transcripts, credit report. With the help of Consumer Financial Services Bearua I finally got my credit report to learn of this. I have no idea who live in Michigan. I have never lived there, nor have I ever visited there. An extended fraud alert had been placed on my credit report, without my permission. The expiration date on the report was XX/XX/XXXX. It was placed on the report XX/XX/XXXX. Checks was being ordered and written using my personal information. The banks I had accounts with are XXXX XXXX XXXX XXXX, some of the check numbers are XXXX {$700.00} - $ XXXX $ XXXX $ XXXX {$150.00}. XXXX $ XXXX $ XXXX {$25.00} XXXX $ XXXX $ XXXX {$10.00}. A check was created in my name on a department of labor check. The routing number is XXXX, check number XXXX {$260.00}. There are a series of inquiries on my credit report from XXXX. There was a periodic review of my credit history by one of my creditors per XXXX. Several rental car companies regarding debit card acceptance. My medical records are being used. Inquired are being made. My social security number have been blocked by the social security department to prevent continued abuse on line. This was done for my protection from whom ever this person/persons are. Checks have been written to pay XXXX XXXX XXXX /account number XXXX. Checks was being ordered and written for XXXX XXXX account number XXXX & XXXX XXXX account number XXXX. This loan was refinanced while I was under wage earner in XXXX. The wage earner case number I was discharged from in XXXX is XXXX. Originally filed XXXX XXXX. I paid the courts {$18000.00} in XXXX from a settlement I received from a medical malpractice law sue I filed in XXXX. My former employer XXXX XXXX XXXX XXXX amended and restated all of my tax returns and made themselves my conservator. The XXXX Family began to prepare my death.
09/15/2017	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble closing card	OH 43219	Web
I have had a prepaid account with this company for more that 5 years, I have never had an issue until, someone tried to steal money from out of my account.. The company placed a fraud hold on my account holding up the money that was stolen and my direct deposit.. My card was canceled so I am unable to access any of my paycheck. THis happened on X/X/17. I have been going round and round with this company to release my money. I have changed my banking information so future checks will never go into this account=, However every rep that I speak to tells me the same thing and still I have not gotten any closer to getting my money. I was told to send a dispute form in, Did that, I was told to write a letter asking for my account to be closed, did that .. Each time I call they tell me to wait another 7-10 days.. THis is my paycheck.. I live check to check.., This issue has caused me to lose my car, because I was suppose to make payment on it ... My rent is late,, MY electric I have to borrow money to pay that, My car insurance is lapsed, my gas, cell phone and water is now late/ ... I have credit card bills coming up.. All I want is this company to send my money that is MINE to me ... I keep being told 7-10 days just to wait on my own personal money.. I asked if the money could be wired into my Credit union account and I was told no.. I can not afford to wait any longer.. I have no food, no way to get back and forth to work and I keep being told 7-10 days.. Each person I speak with english is not a primary language, so the next barrier is understanding these customer service reps. Each call I 'm on hold 20 minutes to an hour and I spend at least 2 hours on the phone with little to no results. I WILL NEVER DO BUSINESS WITH THIS COMPANY AGAIN ... .. Worse procedures for theft or fraud ever.. this company has set me so far back on my bills. Today I have spoken with a supervisor name XXXX.. WHo just told me I needed to wait another 7-10 Business days for a CBR that was on X/XX/17 at XXXX HE mentioned that whoever i spoke with before did not do what they was suppose to do,,, SO now I still have to wait even longer. THe intinal complaint was sent on X/X/17 and another sent on *X/XX/17
08/10/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10011	Web
I have been receiving calls from TRS consumer services asking about debt I have outstanding. I do not have any debt outstanding - I checked my credit report to make sure ... I was finally able to get on phone with them.. if you dont pick up when they call, there is no way to speak to a person if you call them. Their website says in order to make an INQUIRY, one must send in their drivers license and bank account information, which I find to be absurd. When I finally picked up when they called, they were not able to give me any other information that linked me to the debt - they said there was a check that was submitted under my name in Texas on XX/XX/XXXX ( I was actually out of the country at this time ) and that my address is in Massachusetts ( my phone number is from XXXX, but I do not live there ) and it was checks that was submitted to a casino. All in all, they told me that I can give a call to " Telecheck '' which is who they are trying to collect for - which seems very strange given that Telecheck and TRS Consumer Services are both a " FirstData '' company, whatever that means. They told me to contact Telecheck to get my name removed. So I called. They asked for my bank routing, social security, and drivers license number. ( I dont even have a drivers license number ) I said I will not give you those information, I just need to remove myself from getting calls every week - and they refused to do so without my information. I see many scam allegations on google on these two companies - anything we can do to remove from their websites asking people to send in bank account / routing / social security info? / My theory is they keep calling numbers, leaving voicemails and people call back, and cant get in touch with anyone, so they go to this website and up giving away their precious personal information away. They NEED to be stopped. I also got another debt collector call from the below number XXXX recently, who said they had some guy 's name under the account and they removed me right away. Still makes me nervous that this TRS / Telecheck company is selling people 's info to other fraudulent companies.. Thank you for helping!!
08/10/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10011	Web
I have been receiving calls from TRS consumer services asking about debt I have outstanding. I do not have any debt outstanding - I checked my credit report to make sure ... I was finally able to get on phone with them.. if you dont pick up when they call, there is no way to speak to a person if you call them. Their website says in order to make an INQUIRY, one must send in their drivers license and bank account information, which I find to be absurd. When I finally picked up when they called, they were not able to give me any other information that linked me to the debt - they said there was a check that was submitted under my name in Texas onXX/XX/XXXX( I was actually out of the country at this time ) and that my address is in Massachusetts ( my phone number is from XXXX, but I do not live there ) and it was checks that was submitted to a casino. All in all, they told me that I can give a call to " Telecheck '' which is who they are trying to collect for - which seems very strange given that Telecheck and TRS Consumer Services are both a " FirstData '' company, whatever that means. They told me to contact Telecheck to get my name removed. So I called. They asked for my bank routing, social security, and drivers license number. ( I dont even have a drivers license number ) I said I will not give you those information, I just need to remove myself from getting calls every week - and they refused to do so without my information. I see many scam allegations on XXXX on these two companies - anything we can do to remove from their websites asking people to send in bank account / routing / social security info? / My theory is they keep calling numbers, leaving voicemails and people call back, and cant get in touch with anyone, so they go to this website and up giving away their precious personal information away. They NEED to be stopped. I also got another debt collector call from the below number XXXX recently, who said they had some guy 's name under the account and they removed me right away. Still makes me nervous that this TRS / Telecheck company is selling people 's info to other fraudulent companies.. Thank you for helping!!
05/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 467XX	Web	Older American
I received a letter from XXXX XXXX XXXX the end of XX/XX/XXXX about a check cashed at a XXXX in XXXX TX on XX/XX/XXXX. I wrote back and sent the first letter Ceritfied Return receipt mail, I have received the proof they got the letter on XX/XX/XXXX and they sent back a collection letter with a copy of a receipt from the XXXX and some forms I refuse to fill out as they have no right to that information and have not shown proof this is my debt and there is no way in XXXX or Earth that it could be. The signature was a squiggle and unreadable, there was nothing else that showed a name, address, or any identifiable information on the copy they sent and no proof that it could have been mine. I also was in Indiana on that very same date at work, I do not even have a checking account, and I have witnesses that can prove I was nowhere near Texas. I sent a reply and I again asked them to stop all contact, as this was definitely not mine and told them why. But they sent more collection letters, so I sent two more dispute and stop letters to them XX/XX/XXXX telling them why it couldn't be mine again. I have received one of the two return receipts back on XX/XX/XXXX signed as received on XX/XX/XXXX. I have now received another letter on XX/XX/XXXX stating they will not investigate or acknowledge it is disputed unless I send them my banking information and file an Identity theft form with them, that asks for a lot of personally identifying information. I will not send any of this, as they have not shown me how they came to think this is my debt, they have not shown how they verified this, and I do not have banking information for a checking account to send them anyway. TRS is ignoring the cease and desist dispute letters, and refusing to send the proof that they have verified this is my debt. I want them stopped and this cleared up and to make sure they don't attach a debt that is not mine to my credit report. I have seen too many complaints on TRS about them misusing the information sent to them also, and I do not want to take that chance, and since they are not following the law I definitely do not trust them.
01/31/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	GA 30064	Web
I currently have mobile service with XXXX and generally pay my bill through my checking account. On XX/XX/XXXX I attempted to pay my bill using a new checking account open XX/XX/XXXX.I was informed by XXXX that my checking account was not approved to pay my bill. XXXX informed me the TeleChecks was responsible for denying the use of my checking account. I contacted Telecheks at XXXX and was informed through the automated system that my checking account was denied because of several returned checks. I knew this was not true because I had never written a check on this account. I spoke with a representative at Telechecks who stated that XXXX XXXX XXXX provided the information regarding my checking account. When I asked when XXXX XXXX XXXX provided this information the rep refused to tell me. He then stated that my social security number and date of birth matched an account that was in a past due status that was in the sister cmpany 's data base know as First Data Retrieval. Instead of fixing my problem with my XXXX bill I was then transferred to First Data who then asked me for payment. I asked them who authorized the sharing of my personal information between the companies and they told me that XXXX authorized First Data and Telecheck to use information in their client data to match up with any past due accounts they my have. I told them that I did not authorize XXXX to do this. I called XXXX who denied this and stated they have no relationship with First Data and that Telechecks is only to be used to process payments. I contacted First Data and they stated that my information was sent to the original creditor for collections purposes. I received a notice from XXXX a few days later requesting payment on an old account that is past the the limits of collections. First Data illegally retrieved my information and is using Telechecks to seek out clients information that may be past due. Because of this, when I attempt to use my checking account to pay my bills I get denied because of Telecheck and First Data. First Data stated that they will not remove the hold until I pay them or XXXX.
01/31/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	GA 30064	Web
I currently have mobile service with XXXX and generally pay my bill through my checking account. On XXXX/XXXX/2017 I attempted to pay my bill using a new checking account open in XXXX was informed by XXXX that my checking account was not approved to pay my bill. XXXX informed me the TeleChecks was responsible for denying the use of my checking account. I contacted Telecheks at XXXX and was informed through the automated system that my checking account was denied because of several returned checks. I knew this was not true because I had never written a check on this account. I spoke with a representative at Telechecks who stated that XXXX XXXX XXXX provided the information regarding my checking account. When I asked when XXXX XXXX XXXX provided this information the rep refused to tell me. He then stated that my social security number and date of birth matched an account that was in a past due status that was in the sister cmpany 's data base know as First Data XXXX. Instead of fixing my problem with my XXXX bill I was then transferred to First Data who then asked me for payment. I asked them who authorized the sharing of my personal information between the companies and they told me that XXXX authorized First Data and Telecheck to use information in their client data to match up with any past due accounts they my have. I told them that I did not authorize XXXX to do this. I called XXXX who denied this and stated they have no relationship with First Data and that Telechecks is only to be used to process payments. I contacted First Data and they stated that my information was sent to the original creditor for collections purposes. I received a notice from XXXX a few days later requesting payment on an old account that is past the the limits of collections. First Data illegally retrieved my information and is using Telechecks to seek out clients information that may be past due. Because of this, when I attempt to use my checking account to pay my bills I get denied because of Telecheck and First Data. First Data stated that they will not remove the hold until I pay them or XXXX.
06/19/2015	Yes	Bank account or service Other bank product/service	Using a debit or ATM card	VT 050XX	Web
I work for a Company that does business with XXXX XXXX XXXX XXXX. XXXX provides SPIFF 's as bonuses to the sales people. Money Network is the provider that XXXX uses to distribute these bonuses. In XXXX of this year I received XXXX debit cards from Money Network and I activated them on-line. On XX/XX/XXXX XXXX made a deposit of {$75.00} into XXXX of my cards as a XXXX bonus. XX/XX/XXXX I attempted to access my bonus funds and had the card declined. I called Money Network and was told that I had to fax a copy of my social security card, drivers license and passport to verify my account. I did not want to do this and sent a request to have XXXX help me and was told by them that I had to deal with Money Network. XXXX would not help or change their policy to send bonuses to an account of my choosing. I called Money Network again and had to fax the documents to them. About a XXXX later, I called Money Network and was told the accounts were still locked because now they needed proof of my physical address. I faxed them a copy of my last propane bill on or around the XXXX of XXXX. I called them back around the XXXX and they stated that they had not received it and I needed to fax it again. I faxed it again on the XXXX of XXXX and called back on the XXXX, still they had not received the second fax. I asked if I could get an e-mail address to send it and they refused. I asked for a supervisor and was given an e-mail address and sent the bill on the XXXX of XXXX. I called today and my accounts are still locked because the bill is now older than XXXX days. It was dated XXXX XXXX the date of my last delivery and now unacceptable. When this all started it was well within XXXX days and by all accounts is only just over by XXXX days now. I wo n't be getting a propane delivery again until fall. I think I have been more than patient in attempting to access funds that are unquestionably mine. I need to have help in convincing Money Network to unlock my XXXX cards and allow me access to these funds before they start charging monthly maintenance fees. Thank You!!
03/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	IN 469XX	Web
XXXX personal checks were stolen from me the end of XXXX 2015. XXXX check was cashed for {$30.00}. The other check was not used. I contacted my credit union immediately and placed a stop payment on the check for {$30.00}. The credit union reimbursed me the {$30.00}. I filed a police report and the thief has been apprehended and charges filed. I received a telephone call from TRS Recovery Services asking for payment on the {$30.00} check ... ..I told them it was a forged stolen check. Then in a few days I received a debt collection notice from TRS Recovery Services for the {$30.00}. I did not respond as I had spoken on the phone to them already. I tried to use a check at a local store after this incident and was refused. I contacted Telecheck XXXX XXXX XXXX an affiliate of TRS Recovery Services , Inc., filled out their form and attached the required police report, bank information and faxed it to them. They sent back a letter from their resolutions departmeent stating I sent accurate information. According to Telecheck my account is cleared. I just received a second debt collection notice for the {$30.00} from TRS Recovery Services , Inc . I have attempted to reach them by telephone and get a recorded set of instructions, and when I press XXXX to talk to a representative no one answers and it disconnects. I tried calling the resolutions department at Telecheck XXXX XXXX XXXX with same result. They are affiliates who are taking advantage and collecting money they are not entitled to. I wo n't be sending them anything. I also am concerned about my personal information I submitted on their form ... .soc. sec. #, bank routing and account #, DOB, name, address, telephone #. I 've had to close that bank account and open a different account. I see there are many other complaints about TRS Recovery Services , Inc. and Telecheck XXXX XXXX XXXX from others. They are financial predators. How can I protect my identity now that they have personal information? How can I stop the harrassment of debt collection attempts? Thank you for your kind assistance.
04/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	WA 98226	Web
Due to misrepresentation of services and fraudulent practices, we are stuck paying {$4900.00} lump sum in future monthl payments for a product we do n't use Due to misrepresentation, we were stuck in a 48 month contract that did not perform like promised. Now, we are expected to pay {$4900.00} up front. We started working with XXXX in XXXX 2015. XXXX XXXX promised in writing a 1 % rate on all CC transactions and 0 % debit card transactions. It was never disclosed that we would be working with another company ( First Data ) We were also promised a XXXX machine that would be compatible with quickbooks for accounting purposes. We were sent a different model of key pad, but I did not complain since we were going to be saving at least 2.5 % ( 1.5 % more than promised in writing ) on all transactions. For the first few months, I noticed we were getting charged anywhere from 5 % to 9 %. After trying to get a hold of XXXX XXXX, I finally got a hold of XXXX XXXX of XXXX ( XXXX )? We had to settle for 2.5 % and 3.5 % that she refunded for a few months. Then it became difficult to get a hold of her, and we were not receiving any refunds for being charged 9 times more the percentage than promised in writing. I finally faxed a termination/cancellation letter to XXXX asking that we cancel with XXXX, First Data ( I had just learned that they were involved in the actual contract ), and any other companies involved. I stopped payment being taken out from any companies that I did not recognize through my bank because we were n't using their services. I get a letter from First Data about an amount owed. I called back and told them that it was cancelled due to non-performance and misrepresentation. They said that it was impossible to cancel. I was reported to the credit bureaus for non payment on personal and business and chased down by collection company XXXX XXXX. Now my business and personal credit is ruined for years and I am being forced to pay over {$4800.00} for a service that I have already cancelled and was n't performing like promised in writing.
08/26/2016	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	FL 32207	Web	Older American
I was working with XXXX as my MERCHANT PROCESSOR to processes my customers credit and or debit cards as payments. They then randomly froze all the funds from my customers and ripped out {$2000.00} from my account and claimed ID THEFT without any merit. I then provided them with all the identification items the requested ( which by the way was required by federal law for them to collect this information prior ) They then corrected that information. They then said that we were n't authorized to sell our products because we were only authorized to sell jewelry ( that to is a lie, the person that wrote our contract wrote service provider not jeweler ) So they lied on that to. They have not sent any deposits in 3 months for any of the funds my customers paid for. They are claiming that they now have to hold it in a non intrest baring account for XXXX months due the possibility of chargebacks. Keep in mind no chargebacks existed and they had no reason to hold my funds. They fabricated this, then after proving them wrong they went and removed the ID THEFT STATUS ( which by the way has prevented my company from being able to open another account and make money. ) Because we were unable to receive our funds from our clients we could n't afford to provide goods or services for all of them. Also we never received the customers money so they had not choice to do chargebacks to get the funds back from XXXX holding them. Now XXXX owes us around {$11000.00}. They gave us a written email from numerous employees saying that they will now be mailing us a check for {$6800.00}. I have in writing from them that they already mailed the check. Now another person says they have decided not to mail the check. They have held the funds for XXXX days now and are not answering the phone, they 've hung up on me, they are ignoring emails now. THEY STOLE MONEY FROM MY ACCOUNT WITHOUT MY APPROVAL. The dates on the account will show that no chargebacks accrued until after they did all of this. and now they are playing games and lying about sending me the money.
12/23/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94115	Web	Older American
Several months ago, I was a victim of identity theft. Someone opened, and attempted to open, a number of accounts in my name, and made charges on some of them. Despite the inconvenience, I was quickly able to clear this up with the several financial institutions involved. All were sympathetic, extremely helpful, and professional in reviewing their own records to verify the facts. All except one... Apparently, someone either opened an account or made some sort of charge in my name with XXXX XXXX. The amount was {$6.00}. I never got a bill from the retailer. I do not have an account with them. I have no paperwork whatsoever regarding this charge. I don't know what is was for, when it happened, etc. But I started getting calls and correspondence from XXXX XXXX XXXX. One of the things they sent me said I could go on their web site and report that this was an incident of identity theft. I did so. But I still continue to get phone calls, sometimes several a week, from them. Sometimes, they hang up the phone as soon as I answer it. On other occasions, I have spoken with their representatives and explained the situation. Just today, I got a call. The woman said I had to provide some written documentation " proving '' my case. I asked how one provides documentation about a transaction one had nothing to do with, and has no information about. The time before, I asked the man who called to send me anything in writing they had that supported their claim that I was, in fact, responsible for this charge. He said he would look into it, but never got back to me. If they would show me any evidentiary details of the charge, there is a good chance that I could, in fact, demonstrate that it was not me. But I suspect they have nothing, other than some entry in their computers ; so they prefer to try to put the onus on me to prove a negative. I am sick of this. If I weren't so stubborn, I would just pay the {$6.00} to stop the harassment. But it has become a matter of principle. I would appreciate your help. Thank you.
07/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38118	Web
My late father was my emergency contact. He is now deceased, his name is XXXX XXXX. His social security number is XXXX. XXXX XXXX once lived with my late father. XXXX XXXX stole my drivers license, with the help of XXXX XXXX. My home was broken into in XX/XX/XXXX, this is the year I learned I was a victim of identity theft. I 've been retaliated against every since. The FBI told me it 's an inside job. My check books was stolen from the home, lab tops, mother board after my computer was hacked into and all of my files was taken. My date of birth have been changed with all three credit agencies. All of my former employers have been changed with all three credit agencies. All of my former addresses have been changed with all three credit agencies. XXXX XXXX and the entire XXXX XXXX is involved with organized crime and they need to be stopped. I began using my maiden name before I knew it was my entire family members. XXXX XXXX XXXX XXXX have also been abusing my identity. They violated my protection under the wage earner courts. They 've gotten property in my name while I was under wage earner, cars, bank cards, etc. I filed a XXXX XXXX law sue in XX/XX/XXXX. My XXXX was prepared by both parties without my knowledge. The case number is XXXX. Honorable XXXX XXXX was the Judge over the case. I have a few check numbers. I also have checking account numbers. XXXX XXXX XXXX. Check numbers XXXX - $ XXXX- $ XXXX $ XXXX $ XXXX,XXXX- $ XXXX {$30.00}. XXXX XXXX XXXX XXXX XXXX account number XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ein number is XXXX. I was employed with the company twenty-two years. From XX/XX/XXXX-XX/XX/XXXX. Please see my drivers license with my name XXXX XXXX XXXX. There maybe accounts set up with new banks that I am not aware of. I no longer have a account any where. I do n't have an income, because of the theft of my identity. I ca n't get XXXX from social security. Anything I apply for using my social security number it 's taken from me. Health care insurance, etc.
11/25/2019	Yes	Credit card or prepaid card Payroll card	Trouble using the card Problem using the card to withdraw money from an ATM	TX 78744	Web	Servicemember
I was recently issued this paycard by my now former Employer to settle my final wages. This was REQUIRED by my employer, as no other option was given at the time of release. As such, a card was issued by ADP TotalPay, in order to allow to " expedited '' access to my final wages, at no cost ( according to my employer ). However, since issue on Thursday, XX/XX/2019, the card has failed to activate using the automated phone system ( the only option available to users ) and the Customer Service representatives have faced the same issue trying to use the same systems to activate the card. To note, they have 0 ability to force the activation or help in any way, other than to have you go through the same automated system with them on the line. My employer touted the instant issue checks that come with the cards, but can't use them since I can't activate the card over the phone. First Data allows online access to the account, where I didn't run into any issues. However, all I can do is review my balance. Issuing a Check still requires the use of the automated system that is unable to activate the card in the first place. I've tried unsuccessfully to activate the card, and the representatives all tell me to check back later. It's now Monday XX/XX/2019, and I'm still not able to activate the card. Speaking with another representative today, they have now indicated that it may not be resolved until Wednesday, prolonging the issue almost 6 days since the day of initial issue of the card. To make matter worse, their phone system has also indicated that several cards exist under my Social Security number, and when I ask a representative for assistance. I'm told there is nothing they can do. The other resolution offered was a " Money Transfer '' which I can initiate online, but requires the payment of a {$3.00} fee to complete. A consumer has no other options available to them to get access to the funds immediately, other than to wait for a resolution in an unreasonable turn around time.
08/13/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 95014	Web	Older American
Subject : Dispute with XXXX XXXX XXXX on XX/XX/XXXX for XXXX water heater which is under 9 years warranty with 4 years in use Dear CFPB Agent : I would like to file a complaint against XXXX XXXX XXXX ( XXXX ) for not fixing my water heater correctly. On XX/XX/XXXX ( XXXX. ), I requested a service repair from XXXX to repair my XXXX water heater ( under 9 years warranty ) for no hot water. After 6 days, the XXXX service technician came to my house for the repair service on XX/XX/XXXX ( Wed, ). The service technician replaced a PC board. The water heater seemed to be working. The pilot light was on and the flame was on. I gave him {$180.00} by check ( Check # XXXX ) in full for the repair service. In the evening, we found out that we had no hot water again. I called XXXX again on the next day XX/XX/XXXX ( Thurs ) to fix the problem immediately because we had no hot water to use for a week already. We had paid the money on XX/XX/XXXX and the problem should have been fixed on the day the check made out. XXXX refused to come back. They rescheduled me on XX/XX/XXXX ( another 9 days ) and then XX/XX/XXXX ( another 5 days ). We could not have not hot water to take shower for two weeks. I told them to give me the full credit if XXXX could not fix the problem on XX/XX/XXXX so that I can buy a new water heater instead. XXXX put me in the circle to make several phone calls around without solving the problems. Therefore, I went to stopped the check payment to XXXX immediately and then replace the new heater heater immediately. I have been calling XXXX since then in an attempt to solve the issue. They are still putting me around the telephone circle without solving the problem. Now, XXXX had put me in the collection agent for collecting {$180.00} without fixing the water heater problem. I am now writing this letter requesting CFPB to help resolve this issue for me. Your time and effort will be greatly appreciated. I can be reached at XXXX XXXX ( H ) or XXXX XXXX ( C ). Sincerely, XXXX XXXX
12/07/2019	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CO 80241	Web
On Monday XX/XX/2019 I received two Email Notifications, Telling me that I had made two Purchases From a city And State that were hundreds of miles away from where I actually live. From a supermarket in this city for the amount of XXXX and then again for XXXX. I proceeded to call the customer service number on the back of my card to make a dispute and try and figure out what was going on. They told me that they had deactivated my card and that I would be getting a new one in the mail within 7 to 10 business days. And that they would send me a dispute letter that I must fill out and send back within 10 days in order to be eligible for a temporary credit of the amount disputed. It has now been 5 days since I called and still no dispute letter for me to fill out and send back. And they say if they dont receive it within 10 days from the date in which I called to make the dispute. That it would take any where from 45 to 90 days to have any chance of getting my dispute resolved. Later that day on XX/XX/2019 I received an additional notification from money network saying that I had purchased {$13.00} worth of fuel, still from the same city XXXX XXXX. I called them again for a second time asking why Im still being charged for items in this city and state, when I had made a clear dispute hours earlier. And they had told me that they had canceled my current card from which the money was being spent from. They told me that the purchases were pending and that they hadnt gone through until then. And that there were two total charges for fuel from a XXXX in XXXX XXXX. One for the {$13.00} which I received a notification for and another for {$15.00} in which I did not receive a notification for. So then I opened an additional dispute for another two charges on my card. Told me the same thing about the dispute letter and them having to receive it within 10 days for them to do anything about it. Or else it would take them 45 to 90 days to even take a look into it.
05/21/2015	Yes	Other financial service Traveler’s/Cashier’s checks	Unexpected/Other fees	WA 98292	Web
I was pointed towards XXXX XXXX by my Bank XXXX to get a credit card terminal for my small business. A representative from XXXX XXXX, named XXXX, got in contact with me and I asked her about all the costs and fees associated with the terminal, she told me there would only be a monthly payment of {$25.00} and two percentages that would be charged with each transaction ( one percentage is for tickets under {$500.00} while the other is for tickets over {$500.00} ). I asked repeatedly to make sure there was nothing else, now I get a bill saying monthly payments are higher than I was told and other charges that are undisclosed with no explanation anywhere on the bill for. I 'm also being told, after paperwork is done, that there is also mandatory insurance I must pay monthly on the terminal, I was not informed of this when I asked about the costs and fees. Not only that, but merchant services has now charged my bank account repeatedly in the XXXX week of XXXX resulting in overdraft fees that amount to {$160.00}. They charged me XXXX times on one day, XXXX XXXX, resulting in nearly {$100.00} in bank fees in just XXXX day. I was not informed when I was signing a contract, I was told it was just a paper confirming the information I had previously submitted about my bank account and business ID, and I was rushed through signing it over the phone. I was told I needed to sign the paper to get to the next step, the customer rep helping me was not honest and did not inform me of what the paper really was. After she had me sign it she hung up and I was left very confused. She also did not inform me that the lease term would be for XXXX months. She did not mention anything about a lease. I am very upset. They want to charge me over {$1000.00} to cancel the lease which was agreed to by manipulation by their customer service. This is not right, my small business was taken advantage of, I was taken advantage of. Please help me resolve this.
12/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92688	Web
Close to 30 fraudulent Telechecks ( fane check numbers, fake business names ) have appeared in my Checking Account from XX/XX/XXXX - till XX/XX/XXXX. It appears that has someone stolen my check routing number and account number. On XX/XX/XXXX I have closed that account and using Lost/Stolen XXXX XXXX account transfer - new account was created. On XX/XX/XXXX Fraud Party tried to still additional 3 Telechecks funds using same fake business name from my old and now closed account. Since account was closed - I lost no funds. And Frau Part was not paid. However, that FRAUD PARTY was unhappy about that - and they used TRS Recovery Services , Inc., located at XXXX XXXX XXXX XXXX, XXXX GA XXXX, to cooperate with them! So, without ANY checking, TRS have send to me 3 Notices of Unpaid Electronic Fund Transfer, trying complete this theft attempt by that Fraudulent Party! What a brazen arrogance!! -TRS Reference # XXXX ( TRS wants to collect {$24.00} in fraudulent Telecheck ) TRS Reference # XXXX ( TRS wants to collect {$19.00} in fraudulent Telecheck ) TRS Reference # XXXX ( TRS wants to collect {$37.00} in fraudulent Telecheck ). When I called TRS and let them know it was a fraudulent transaction to against closed bank account, they refused to stop Notices unless I write down the routing number, account number, and my SS Number and fax them to them! Really??? Fax such data to complete strangers so my data can be compromised again?? When I called them at XXXX, and selected # 4 for fraud - there is NO operator there! Recording insist on faxing to them the data I listed above. Unbelievable. TRS is now actively assisting in this fraud and they are NOT willing to start their own investigation following my 3 calls telling them it is fraud! I was forced to file a Police Report as I have no idea what else I can do. XXXX XXXX advised that this type of fraudulent collections are outside of their responsibility.
11/01/2019	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	TX 76006	Web
On XX/XX/2019 I had fraud to occur on my account with Money Card Network. I went to the store to buy something and my card was declined. I logged into my online profile and seen that all my pay check was gone. There was only XXXX cent in there. I checked the transactions and I saw that XXXX had came into my account for the following : two transactions for XXXX, two transactions for XXXX, two transactions for XXXX, one for XXXX and five for XXXX. I called XXXX because I remembered receiving and email telling me to change my password, there was a breech in security. The representative looked up the transactions and stated they were canceled on their end. I then called Money Network and advise representative and I have spoken to XXXX and they said the transactions had been canceled. The representative stated I would have to wait to see if the transactions were refunded within 7 days before I could do anything, and I did. The transactions were not refunded. I filed a dispute for the unauthorized charges, but was told my dispute was declined because I had used XXXX before and I failed how this is fraud. I called the customer service number and advise the Supervisor that on the day these transactions occurred, I called XXXX and Money Network immediately. I was told to send in a letter of appeal addressing the reason why I used XXXX before, and way these transactions were not mine. I did and my claim was still declined. That money was for my car note and I was put in a financial bind when and occurred, and what is even or upsetting is that Money Network is denying my claim wrongfully and not helping me get my money back. Just because I made purchases at XXXX before do not mean every transaction that comes thru from XXXX is authorized by me. I read views online and they do this all the time. I am will not stand for this and I will take every legal action I can.
06/25/2019	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble using the card to spend money in a store or online	WI 544XX	Web
While working for XXXX, I received a Debit Exceed card in which my payroll was put on to. I am no longer employed for XXXX. I was able to use my card until the end of XX/XX/XXXX. As soon as I noticed I was not able to retrieve my funds on the card, I contacted the company. XX/XX/19 called and was told my card was on hold and that I would need to submit a copy of my card, drivers license and a piece of mail with my address. I called back XX/XX/19 and was told it would be another 3-5 business days until I was able to access my funds. I tried several times to use my card to no success. On XX/XX/19 I called again and was again told my card was on hold. I then asked what was needed to do so that I was able to close the account and get my funds on my card. I was then told I needed to submit a copy of my drivers license again, a statement and a letter regarding why I wanted to close the account and my signature. I then called again 3-5 business days later several times only to be told my account was still on hold. Each month they have been deducting fees from my account and still unable to use my card or get my money. I was a XXXX XXXX XXXX and unable to contact them between XXXX and XXXX XXXX. I was finally able to contact them again XX/XX/19 in which I again submitted now 3 forms of identification. XX/XX/19 was the last time I contacted them and the account was still on hold, but could not do anything because it was not during the 8-5 monday-friday business hours. But indicated they would now want me to submit my social security card. I refuse to submit anymore items as this sounds like fraud to me. I received a W2 in which I filed taxes on money I still am not able to access. As of today XX/XX/19 the account is still on hold. All I want to do is get my money and close the account before they consume it in fees and begin to ruin my credit.
11/18/2017	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NY 128XX	Web	Older American
I was hacked or my P.C. was compromised in XX/XX/XXXX. My bank closed all my accounts, and then gave me new checks, new account number and new bank cards. The police told me to cancel all my accounts and asked for new account numbers. I did this and in doing so found out one of my accounts had been scamed for XXXX. I have since received that money back from that account. I also called XXXX and gave them this same information. I have been with XXXX since 2001 and as soon as I got new cards from the bank called and told them of the new accounts. I then listed 4 cards which are on that account and I have been ordering with no problem. Then I get this letter and many phone calls 2 and 3 daily at all hours about an account that was being handled by them to collect from me for XXXX. On the letter to me it says this account was closed. I believe that they ( XXXX ) turned over my old account which was closed due to the Hacking. I do n't know why and I just yesterday talked to Customer service at the XXXX home office and since it was the weekend she suggested that I call and she gave me a number for XXXX Account Specialists on Monday..I had intended on doing that but I would like for these calls to stop. I have no intention of NOT paying I just want to know why XXXX did this with my account and is still letting me buy and I had informed them of the scam. It has been something I never had happen before and I sure have been careful not to put any of my numbers on the internet simply because I do n't trust anyone. I just will not pay this collection agency and if they want to take me to court like they say I have plenty of written proof of what I am telling you today. I am on the verge of closing my account with XXXX after all these years but I wo n't be a party to this TRS agency collection calls. Thanks and if you can help I would appreciate it.
02/06/2017	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	CA 95401	Web
First Data was my merchant processor up until XX/XX/XXXX I submitted a request to close XXXX accounts, which were supposed to close on that date however a mistake was made on their end and XXXX of my XXXX accounts were left open. The account numbers which were left open are XXXX and XXXX. The account that was closed ends in XXXX ( I dont have the full account number but I can get it. ) Over the course of the last XXXX years my bank accounts have been ach debited {$66.00} and {$76.00} per month for service that has not been provided to me. I have NO activity in my merchant processing with First Data since they are not my merchant processor and have not been since XX/XX/XXXX. These charges went unnoticed for a number of reasons 1. The wording in the statement is misleading because First Data uses the word " Deposit '' ( read below ) leading me to think its a deposit going into my account without looking at the actual charge which is my mistake. 2. I have so much activity on my account on a daily basis I simply overlooked that these were fees. XX/XX/XXXX EMPS DEPOSIT XXXX MY I PHONE REPAIR {$76.00} I contacted First Data at XXXX and talked to XXXX at extention XXXX who politely explained there was not much he could do other than a XXXX month refund per account. There was no supervisor above him that he allowed me to talk to and gave no reason why they can not refund me for these XXXX years of fees except to say that there are no notes in the system that I wanted the accounts closed. He also mentioned that First Data was working on a system to check if an account is in active for a certain period of time and if so then to disable it - would have been nice to have this system in place - instead I have been charged over {$3500.00} in fees for a company/service that I do not use. I contacted First Data and explained the situat
07/03/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA XXXXX	Web
CFPB Complaint XXXX ( which is closed ). The company, XXXX XXXX XXXX indicated that the matter would be resolved by them by refunding to me the money that they had charged me for the debt collection. I received an email on XX/XX/2018, stating that the money would be refunded, and a letter XX/XX/2018 stating that the money had already been refunded. As of XX/XX/2018 I had not received refund, and sent an email to XXXX XXXX with XXXX XXXX XXXX requesting a response by XX/XX/2018. XXXX XXXX replied to my email on XX/XX/2018, stating that their refund department sent the money to my account on XX/XX/2018, and to check my account. I had XXXX on XX/XX/2018 and was unable to respond until XX/XX/2018. I verified no fund received in my account, and emailed my response to XXXX XXXX on XX/XX/2018. My email was immediately returned with the message " address could not be found or unable to receive mail ''. I verified email address and tried two more times. All were returned immediately with the same message. The telephone number given in the letter goes to the wrong company ( a sister company ), and it is impossible to get through their automated system in order to reach a live person, to get me in contact with XXXX XXXX. XXXX said they would refund the money, and I expect them to follow through with their statement. If they attempted to send the money to the account closed due to fraud, which they are fully aware of, then they need to correct this matter immediately. This behavior is unacceptable. After everything they put me through, they are now going to not refund my money. There are thousands of complaints against this company. Countless of hours lost by innocent consumers. I do not understand how they are able to remain in business, with these very obvious unethical business practices.
07/03/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA XXXXX	Web
CFPB Complaint XXXX ( which is closed ). The company, XXXX XXXX XXXX indicated that the matter would be resolved by them by refunding to me the money that they had charged me for the debt collection. I received an email on XX/XX/2018, stating that the money would be refunded, and a letter XX/XX/2018 stating that the money had already been refunded. As of XX/XX/2018 I had not received refund, and sent an email to XXXX XXXX with XXXX XXXX XXXX requesting a response by XX/XX/2018. XXXX XXXX replied to my email on XX/XX/2018, stating that their refund department sent the money to my account on XX/XX/2018, and to check my account. I had XXXX on XX/XX/2018 and was unable to respond until XX/XX/2018. I verified no fund received in my account, and emailed my response to XXXX XXXX on XX/XX/2018. My email was immediately returned with the message " address could not be found or unable to receive mail ''. I verified email address and tried two more times. All were returned immediately with the same message. The telephone number given in the letter goes to the wrong company ( a sister company ), and it is impossible to get through their automated system in order to reach a live person, to get me in contact with XXXX XXXX. XXXX said they would refund the money, and I expect them to follow through with their statement. If they attempted to send the money to the account closed due to fraud, which they are fully aware of, then they need to correct this matter immediately. This behavior is unacceptable. After everything they put me through, they are now going to not refund my money. There are thousands of complaints against this company. Countless of hours lost by innocent consumers. I do not understand how they are able to remain in business, with these very obvious unethical business practices.
09/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	MA 027XX	Web
My mother-in-law wrote a check at a XXXX ... the cashier processed the sale, but the check was written for the wrong amount. My mother-in-law went to the bank and store to try and resolve the issue. Not sure what happened but since then XXXX turned this over to a collection agency which " flagged '' her checking account ( which is all she uses, no Credit Cards or cash kept on hand ... she is over XXXX ). The credit Agency which I called today made me make a second payment of {$47.00} ( {$25.00} " penalty '' plus the original wrong amount ). They did not offer to send back her mailed in check payment and have not guaranteed she will ever get the money back, i.e. they are collecting this debt twice. Further they are using two separate companies to confuse people. The company that you call is XXXX XXXX XXXX while they company hired by XXXX is TRS Recovery Services. This allows each of them to not take ownership of what the other mistakes are done. However, they both have the same address, which is XXXX XXXX XXXX XXXX XXXX TX XXXX they have a XXXX in the same town/zip. They also pulled the trick of making me get her on the phone to authorize me to talk on her behalf, only to say when I called back that they had no record of it. They would not provide me with a address at first until I told them that I was filing this complaint. This type of practice should not be tolerated ... especially to older people. The mistake was not my mother-in-laws but the cashier at the store. Now she has had her checking account flagged thru " tele-check '' ( not sure if that this the right company ). TRS is completely unwilling to take accountability for what XXXX has done going as far as to say they are different companies ... how can that be when they have the same address??? Please help stop this company.
09/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	DC 20011	Web	Older American, Servicemember
My name is XXXX XXXX, I tried to use my debt card to purchase items at a store that uses Tele Check Services, I was turned down and was then given a code as the reason I was turned down and to get in contact with Tele Check services. I called their number XXXX, I was immediately asked for my Bank Account Drivers License Number I refused, ( I felt this to be entrapment and illegal ) My identity has been stolen. I have good credit after spending money to safe guard it, I wanted to know what was in their files on me that may hurt me again. Heck Their Parent Company XXXX XXXX ( which brought out First Data /Tele Check in XXXX of XXXX ) had a breach of their own computer Security software last year in XXXX.Now knowing this I'm suppose to just trust them with my personal information, I was then told my credit was going to be affected if I didn't comply. " this was black mail '' I filed a Small Claim against them, On XX/XX/XXXX in the District of XXXX on Superior Court ( Small Claims Court, suing for {$10000.00} ) well they hired a Law firm against ( Little ole me ) and they've stated that I brought up an article published back in XXXX from Consumer Protections web-site stating that they were fined back then in the amount of {$3.00} Million for violating the consumer protection laws, that this case belongs in District Court here in the District of XXXX because this case was similar and was filed in the wrong Court, and should be heard in the District Court of Washington DC and while doing so they also filed for notice of removal! I'm not a lawyer!! But why are they so scared " maybe because their still up to their old tricks. The case number is XXXX with Judge XXXX they want a response by XX/XX/XXXX, In District Court of Washington, D.C. They're afraid you may come after them again.
10/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	OK 735XX	Web	Servicemember
On XXXX XXXX, 2016, I purchased by Electronic Check, items totaling {$76.00} at XXXX XXXX in XXXX, Oklahoma. The purchase cleared the Point of Sale terminal and the clerk handed me the receipt and the processed personal check back with no indications of a transaction error. Later, on XXXX XXXX, 2016, I receive in the mail a Notice of Failed XXXX Transaction from Telecheck XXXX XXXX XXXX XXXX claiming that banking information was not read correctly from the check at the Point of Service terminal at the time of purchase. Telecheck has referred this " error '' to their TRS Recovery Services as a debt collection. How can a supposed check reading error be in debt collections when Telecheck has the money and has not yet processed the transaction? Telecheck states in this letter that they need additional bank information and personal information from my checking account to correct this situation. I contacted my local bank and described this letter to them and the bank stated that there are " red flags '' involved with this letter. My bank recommended I put a stop-payment on the check with the purchase. I did this on XXXX XXXX 2016, I also the same day went to the merchant and offered to pay the amount of the stopped-check in cash and request a receipt. After a hour of going back and forth with 3 different representatives over the phone with Telecheck and XXXX XXXX representatives and the store manager and all adamantly wanting to know our bank information and that that we pay again by check, they finally gave in a let us pay for the items in cash with receipt. The representative on the phone with Telecheck made threats over the phone that this situation is not over yet and I will be receiving more threats in the mail. It is time for me to get an Attorney.
12/07/2016	Yes	Prepaid card Payroll card	Unauthorized transactions/trans. issues	TX 77065	Web	Servicemember
I disputed a transaction and provided complete back-up, and the Money Network Institution overturned it with no proof, other than the word of the merchant. I sent in all the information I had to prove it should be granted. They also refused to provide me with a copy of what the merchant provided to them to determine their decision. This made my account overdrawn, and they are unwilling to do anything about it. I made a flight+car reservation with XXXX on XX/XX/2016, according to the cancellation terms, I could cancel within two days of departure. I cancelled on XX/XX/2016, completely within the time frame, the merchant rep I spoke advised me there would be no penalty, but they would credit my card so I called Money Network to dispute my transaction, they said that the merchant provided them proof it was a non-refundable flight. I sent them copy of my reservation that did not show in any way it was non-refundable, I am including a copy, XXXX issued a credit for travel, which I do n't understand since it is " non-refundable ''. I formally asked for the copy of what they provided and was refused. They illegally withdrew the funds based on false information provided by the merchant, and will do nothing to resolve it. My account is now overdrawn by {$260.00}, minus the few deposits made to the account the new balance as of today is $ XXXX. I would like to make a formal complaint for the lack of due diligence and misrepresentation that a complete and thorough investigation would be made.I disputed the transaction the same day I cancelled on XX/XX/2016. There was no lapse in time from when I cancelled the reservation to when I disputed the charge. Clearly they do not care about the customers or the security of their hard earned money.
08/02/2018	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PA 18702	Web
On XX/XX/2018 my family member XXXX XXXX stole my debit card and withdrew {$500.00} from my account. I noticed this the next day and reported this to my finacial institution. I advised them that my family member knew my pin # and i did not authorize this. My financial institution advised me they are cancelling my card and sent me a new one. I waited 30 days for the dispute process in which they denied the claim due the person using a ATM that i use as well. I explained to them this is the ATM i use all the time and its right by my house. They advised me to send a hand written appeal with all the details of what led up the theft of my card. I did so. This was an additional 45-90 day process. I waited the necessary time frame and reached out to them for an update. My financial institution then advised me to get in touch with the ATM this happened at as this is the only way i can get my money back. I advised that i don't see how this will fix anything seeing that i do not have an account with that bank i have an account with them. I reached out to the merchant anyway and they advised me of the same thing. There is nothing they can do since my account is not with them.I have provided this company with my family members name, address, and advised he is currently incarcerated and where. When you call the customer service number they clearly state if you card is lost or stolen you are protected. This is not true. My financial institution is XXXX XXXX XXXX XXXX. I have had this account for 5 years and have all my deposits on this account such as direct deposit from both my jobs and income tax every year. The ATM i used is XXXX XXXX and dont feel they have anything to do with this situation they were just the ATM used.
02/13/2019	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77598	Web
Our family business, XXXX XXXX XXXX, is owned by XXXX XXXX. Our day manager, who only knows very limited English, got a letter in the mail that to her looked incredibly similar to the XXXX XXXX EBT letters, so she filled out the form and promptly sent it in, not knowing that that was a 3rd party processing company that is not affiliated with EBT or SNAP. The letter was sent from XXXX XXXX XXXX XXXX XXXX., which was received late XX/XX/XXXX. The company then sent us a completely new EBT machine, one that was faulty and unnecessary, and we immediately sent it back and attempted to cancel the services completely on XX/XX/XXXX. Despite us sending it back and filing for cancellation, the company persisted that we could not break the contract for 48 months and has been demanding payment on equipment that we immediately returned. The first bill was posted overdue on XX/XX/XXXX due to our credit card not being on file anymore ( from the cancellation process ), and as of recently, we have received a final demand on XX/XX/XXXX of {$6700.00}, which was sent by XXXX XXXX XXXX XXXX in XXXX, CO. Moreover, on XX/XX/XXXX, we received correspondence that First Data just now got our cancellation request, firmly stating that their machine be returned immaculately, which, again, was sent back to them promptly last year in early XX/XX/XXXX. Furthermore, we have spoken over to phone to First Data and XXXX XXXX XXXX, and they claim that they do not know where our returned machine is and that, regardless, we are bound to make payments on this equipment for 48 months. This is clearly a predatory company, sending letters that look similar and that require the exact same information as the real, government XXXX XXXX EBT letters do.
05/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CT 06489	Web
Beginning about 6-7 months ago, I have received at least 10 debt collections notices ( amounts ranging from {$17.00} - XXXX ) from a company claiming to be TRS Recovery Services, XXXX XXXX XXXX XXXX, XXXX, Georgia, for individual/on-going purchases made at XXXX XXXX, allegedly by me. With the exception of today, prior phone calls to TRS ( XXXX ) were automated and took me around in a circle. Upon receipt of the initial demand ( approx. {$40.00} ), I contacted XXXX ( who advised me that there was no activity on my account since 2017 ) and froze my account ( today I cancelled it ). Per info on the back of the collection notice, I emailed a dispute to TRS as these purchases were NOT made by me. TRS mailed me a " TRS Forgery/Identity Theft Declaration '' requesting my social security number, bank account numbers and photocopy of my state issued drivers license ( I did NOT fill out this form or give any information ). Today I contacted XXXX again, who verified that my account is closed and that there has been no action on my account since 2017. I also called TRS and was actually able to speak to a human being. The man told me I needed to dispute the charges and send in the theft declaration. I refused, telling him I made no such purchases. I demanded the name of the financial institution tied to the fraudulent checks being sent to XXXX in my name. He told me XXXX XXXX with the last four digits of the checking account being # XXXX. I called XXXX XXXX Fraud Unit, who confirmed that I do not have/nor have ever had a checking account or any type of account with their institution. The XXXX XXXX fraud investigator suggested I contact the Federal Trade Commission, who subsequently referred me to CFPB.
04/16/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	WV 260XX	Web
I called Telecheck on Friday XX/XX/XXXX & spoke to XXXX. I explained that we had unplugged our XXXX machine at the close of business on XX/XX/XXXX. At that point we stopped processing check payments electronically the equipment had been returned & our lease had been cancelled & settled. I was advised to notify them by fax that I was cancelling our service. The statement I had received indicated that it covered the XX/XX/XXXX through the XX/XX/XXXX billing period. It showed that they intended to withdraw {$10.00} from my bank account on XX/XX/XXXX. Since their services were not utilized in this time frame, I respectfully requested that they cancel this transaction. They did not cancel the transaction and the charge went through for the XX/XX/XXXX cycle although their sevices were not used in XX/XX/XXXX. I then received an invoice for the period of XX/XX/XXXX-XX/XX/XXXX. I immediately called and spoke to XXXX. She explained that our cancellation, although submitted and received on XX/XX/XXXX, was not affective for thirty days from submission. She advised that our cancellation order was not applicable until XX/XX/XXXX. I explained to her that their services were not utilized during XX/XX/XXXX and that this is an unethical business practice. I advised that I would be reporting this practice to the Consumer Financial Protection Bureau for their investigation. I then contacted our bank and stopped the withdrawal for payment of this invoice. I have now received another invoice for XX/XX/XXXX-XX/XX/XXXX including additional fees. I have mailed a letter to Telecheck advising of what has transpired and that this invoice will not be paid. I have attached copies of the relevant correspondence.
05/17/2017	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other service problem	CA 91730	Web
Dear Sirs, O ur company who name is XXXX XXXX XXXX , we are a wholesaler and importer in XXXX XXXX , California over 19 years. We use the credit card merchant service from First Data under the contract ( account # XXXX ) s ince XXXX XXXX until now. Bu t First Data ha s increased the retail rate under our account without notifying and have over charged too much from our account during XX/XX/XXXX - XX/XX/XXXX .The monthly statement of First Data provided to us witho ut full detail which kind of credit card/retail rate and amount of charge /service fee of each transaction and each date always. We have not got full detail of monthly statements of XXXX XXXX - XXXX a nd over charge amount from First Data still after over 40 days difficult negotiate with XXXX XXXX / XXXX XXXX / XXXX XXXX / XXXX XXXX of First Data since XXXX XXXX until today. According to the program guide, accompanying the merchant application and agreement between XXXX XXXX XXXX and First Data : Sub ject to section XXXX , we als o may increase our fees or add new fees for services for any reason at any time, by notifying you twenty ( 20 ) day 's prior. It is our right that XXXX XXXX XXXX as a senior and value customer of First Data to know full detail of charge of each transaction/each date and get back full amount of over charge from monthly statements which kind of credit card/retail rate and amount of charge/service fee during XXXX XXXX - XXXX w hich all in one page from First Data base on our retail rate have been increased and have been over charge our account without any notifying by First Data.
08/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 78233	Web	Older American, Servicemember
I had a bill with my check inside that was stolen from my mailbox back on XXXX XXXX. A few days later I discovered that whoever stole my check forged new ones and spent them at XXXX locations around town. I cancelled my checking account at once, and opened a new one. I also filed a police report, and notified the post office of the theft. I got a letter from Telecheck which is TRS Data out of XXXX TX saying one of the checks that was cashed at a XXXX XXXX was returned for non payment and they said I was responsible for it. I went to their website and filled out the fraud and theft report and returned it with a copy of the police report and thought I would hear of a result from that. Instead they sent me another letter saying I owed the amount and they would take legal action if it was n't paid. I wrote them again, and this time sent a letter from my bank saying it was a fraudulent charge and not to hold me liable for it. To this day, I have not heard back from them, and now this week I found that they are not allowing my business through my bank on XXXX. I have done business with them with no problems until this week. I am so angry that Telecheck has done this to me, and I do n't know where else to turn for some help! I was the victim of theft and fraud, and yet I am treated like the felon! I want to hear from them that I am not responsible for a check I did not write, and I want my ability to write checks again without fear of them being declined. This is no way to run a legitimate business by Telecheck. I have tried calling them, but it is impossible to find someone that knows what is going on, or help me. This is my last resort for some help. Thanks ...
01/27/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	IN 46241	Web
My complaint is against First Data the card processor. I have a merchant account with First Data for probably 20 years. Haven't had issues all this time except in the last two years. I had two charge backs and they were handled very poorly. The last one was in XX/XX/2019. A client disputed a charge but then realized they made a mistake. When they called their bank which was XXXX XXXX, the agent said they cant reverse the amount they credited their account. First data requested evidence that the charges were correct and I faxed specifically what they requested. I waited and called to see if they received the fax and they confirmed they received the three pages I sent to them. They said it will take seven to ten business days to make a decision. I called after 10 days and the outsourced agent was very aggressive informing me that I havent provided the information and the case was closed. I tried to reason with him but he yelled at me and hung up. I was trembling for at least 10 minutes from the humiliation and the injustice I suffered. First Data did not handle my dispute fairly. The client provided a credit card to charge the amount they received and we got back the charge for the service we provided. The procedure that First data followed and the agent behavior are not acceptable. This time the client was honest and acknowledged she made a mistake but what is going to happen if we had more charge backs? Are we going to hope for more honest people or for the company we have been with all this time to treat disputes justly so we get paid for the services we provide? I appreciate your attention to this complaint. regards, XXXX XXXX XXXX XXXX XXXX.
12/16/2015	Yes	Credit card	Identity theft / Fraud / Embezzlement	MA 02128	Web
I received an alert on my credit report that a hard inquiry was made to my credit report by a company called " First Data Merchant Services ''. I immediately recognized this to be a fraudulent inquiry and attempted to contact First Data to alert them to the fraudulent activity and close the account if one had been opened. I found a customer service phone number and talked to a representative who told me I needed to speak to the Security Department. I was transferred. The call went to voicemail and I left a message explaining the situation and left my phone number. After receiving no call back for XXXX days I called again. Over the next week I called First Data 24 times trying to speak to someone who could address this potential fraudulent activity. I was always referred to the same " security '' desk who never answered the phone and never returned my call. It has been three weeks and i 'm still yet to be contacted. This company issues credit card processing machines to merchants. Someone has potentially opened a fraudulent account using my personal info and this company can not or more likely will not contact me to attempt to resolve. As frustrating as identity theft is, it isnt nearly as frustrating as a company like this who gives them the ability to perpetrate then gives no ability to the victimized consumer to address. Furthermore, I was unable to obtain an e-mail or mailing address to either the security department or legal department to send a letter with my concerns. I asked agents as well as their website. Not one email or mailing address is listed on their website. Please address this criminally negligent company.
02/18/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 91711	Web
On XX/XX/XXXX I sent a check to XXXX XXXX in the amount of {$780.00}. The XXXX office redeemed my check electronically. Then, they deposited the paper check into their account, resulting in a duplicate charge for the same check. On XX/XX/XXXX I discovered the duplicate charge and disputed it through my bank. On XX/XX/XXXX the bank concluded its investigation and permanently credited my account the amount of the duplicate charge, {$780.00}. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX demanding payment for the duplicate check that had already been disputed and resolved. I opened a complaint with the XXXX XXXX XXXX on XX/XX/XXXX against XXXX XXXX with instructions to cease and desist sending threatening letters from their collection agency for a debt I do not owe. I also sent a note to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with a copy of the notice from my bank that their investigation had been concluded in my favor. In my note, I stated that I do not owe this money and that I expected the matter to be concluded. On XX/XX/XXXX I received a response through the XXXX XXXX XXXX from XXXX XXXX. They state they did not forward this account to collections and that my account has a XXXX balance. On XX/XX/XXXX I received a second letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX demanding payment. Either this is outright fraud or widespread incompetence. Either way, I do not owe this money. I expect XXXX XXXX XXXX XXXX XXXX to cease and desist sending letters and to refrain from any negative reporting to credit agencies. I do not owe this debt.
06/03/2017	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CO 80231	Web
The company for whom I work uses a First Data product call the Money Network Card. They use this card to reimburse business expenses, pay incentives, and take care of payroll adjustments. The issue is not with how my company uses the card, but rather how long the MNC holds onto money. Each time I have gone to transfer money off of the card and into my checking account, the money is in limbo for an unreasonable amount of time. The money vanishes from the MNC immediately, but often does not show up in the checking account until 3 - 5 days later. There is no logical answer for these unreasonable times other than they hold onto the money and use it for their own purposes or to gain interest. For example, I transferred {$400.00} from the MNC to my checking account at XXXX on Thursday, XXXX XXXX, 2017. The money still was not in my account on the third day. When I called, they said they would not even initiate the transfer until an entire business day had passed ( so essentially they took my money immediately at XXXX on XXXX XXXX ), and did nothing until Friday XXXX XXXX, and told me I would not receive the money in my account until Monday, XXXX XXXX, 2017. I said that was ridiculous and an unreasonable period of time for a very easy, straightforward transaction. I would like this organization investigated for holding it 's customers money " hostage '' for unreasonable amounts of time. i am less concerned about me personally than all the employees of my company who live paycheck to paycheck and need their money right away. My perspective is that this practice of First Data 's is unethical.
05/31/2019	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	FL 33157	Web
On XX/XX/XXXX my card and money was comprised. In the total amount of {$330.00}. I contacted Money Network in XX/XX/XXXX and reported this matter immediately. Which they indeed closed out the debit card, mailed out a new card which I received and they also stated they will send a dispute form for the transaction amount listed above. After waiting a few weeks I called back in reference to not yet receiving the forms and requested for the forms to be recent out again via mail. After finally receiving both forms a week apart I mailed the first dispute form back via mail and then a week later fax the second dispute form and I was informed a day later after faxing it, that it was received and will take 2-3 days for a provisional credit. Today XX/XX/XXXX makes 3 days and after calling them today. I was told that my account was notated, stating my claim was denied due to inconsistent conflict of information. After researching dozens of complaints from Money Network. This is the claim result that is used/written to deny all claims. I am very unsatisfied with the results as I am a victim and also the length of waisted time this took to only be denied of my hard earned money, which is direct deposited from my employer. This was incident that was not at all my fault and my PIN number and card was compromised. I am requesting for a provisional credit in the amount of my dispute, which is {$330.00} immediately, so I can continue to do business with this company. Transaction {$220.00}, Transaction {$100.00}, Fee {$2.00}, Fee {$2.00}
07/12/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MA 027XX	Web	Servicemember
On XXXX XXXX, 2017 I cashed a check at XXXX XXXX XXXX in XXXX RI for {$300.00}. This transaction had a {$15.00} fee which I agreed to pay for a total of {$310.00}. However, the check cashing company, Telecheck Services Inc. XXXX XXXX XXXX, XXXX XXXX Tx overcharged me and debited {$330.00} cents from my checking account at XXXX XXXX XXXX. When I noticed this extra, unauthorized charge of {$15.00} I contacted my bank and asked to withhold that {$15.00} from the payment to Telecheck. The bank reviewed the transaction, and stopped/withdrew the WHOLE payment of {$330.00} until the transaction is corrected. Meantime, I have been contacted by a collection agency for Telecheck demanding full payment of {$330.00} and refusing to correct the problem. My multiple attempts to resolve this issue ( calling XXXX XXXX and Telecheck ) are not being addressed. XXXX XXXX referred me to Telecheck and there I am not assisted at all ; the call goes to XXXX where the customer service agent " XXXX '' i.d . XXXX was incapable of understanding that this was a mistake I wanted to resolve and when I requested to speak with a supervisor refused to transfer me to a supervisor or anyone else and to provide me with a corporate address for a complaint. This individual issue also raises the possibility that this company is making many " mistakes '' to their customers transactions and possibly illegally profiting by them. Please assist in resolving this issue and review their number of accounting " mistakes '' that always are in their favor.
02/07/2017	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	CT 064XX	Web
Please read Case number : XXXX because this is a continuation of that case that i thought was done. On Thursday XXXX/XXXX/2017 i contacted XXXX XXXX to say i got the credit card machine back and can use it. I gave her updated business checking account information and asked her if we were good and that it would not go on my Personal Credit Report because of the situation of the business being sold a year ago and not in control of the machine anymore. She said that we were good and that it would not go on my Personal Credit Report! On Monday XXXX/XXXX/2017 i checked my Personal Credit Report at night on XXXX XXXX and saw that it was on my XXXX Credit Report. Out of 10 years of being a business owner and leasing Credit Card Machines from other companies has this ever been on my Personal Credit Report. After i saw it my Personal Credit Report i called XXXX XXXX at XXXX and left a message to call me back ASAP. On Tuesday XXXX/XXXX/2017 i called again in the morning to call me back. Later on XXXX/XXXX/2017 at XXXX XXXX XXXX called me back and said she did not say that it would not go on my credit report, i said yes you did, she said no i did not, i said yes you did and then i asked if the conversation was recorded. She then said she will have boss contact me. Then we went back and forth, and she hung up on me. I then called back and left a message thanking her for hanging up on me. She eventually called me back about 15 minutes later saying she did not hang up and that she will have her boss contact me.
07/12/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	MD 207XX	Web
I was offered a credit card machine through XXXX XXXX XXXX for my small business. I was approached with this offer by a salesman at my place of work in XX/XX/XXXX ; I did not seek it out. The XXXX salesperson showed me the cost of the machine, but he did not mention that I would be leasing it from XXXX XXXX XXXXXXXX. I found this out when signing the paperwork. In XX/XX/XXXX, XXXX closed my account because my business was classified as a money service business. Nothing about my business practices had changed, so XXXX should have known this classification from the beginning. With the XXXX account closed, I was no longer able to use the credit card machine. However, XXXX XXXX XXXX would not allow me to cancel my lease, despite sending the equipment back in XX/XX/XXXX. My options were to continue leasing a useless machine for three more years or to end the lease by paying an opt-out fee. In order to end the lease, I was required to pay more than five times the total market value of the credit card machine even though I was not the party who had closed the original account. While I was disputing this with First Data, they sent the balance to collections which put a hold on my business credit line. In conclusion, I was misled by XXXX bank on multiple counts : 1 ) Leasing the device from a third party and 2 ) my business ' eligibility for an account with XXXX. I was then bounced between XXXX and First Data customer service, and then ultimately frustrated by First Data 's unethical business practices.
12/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	ID 838XX	Web	Older American
Hi, on XX/XX/18 I wrote a check at my local XXXX for {$45.00}. They said the ck. did not go through ETF so asked me to sign it so they could keep it and run it. I did this and told them to be sure they don't put it through twice on me. That is exactly what happened. On XX/XX/2018 and XX/XX/2018, XXXX ran the exact same check twice. Once ETF and once manually. When this came to my atten. on my back stmt. at the end of the month, I contacted my credit union and they investigated and it was a duplicate debit to my acct. and credited the {$45.00} back to me. XXXX was paid, and the MGR. XXXX, at XXXX, XXXX, Idaho stated we didn't owe them anything. In any event. Telecheck has put a # 3/high risk code on my checking acct. and it is impossible to now cash checks in the small town I have lived and done business in for 17 years. In the 66 years I have lived, I have NEVER written a bad check. I am now holding up lines and constantly embarrassed anywhere the Telecheck service is used. I have called them 3 times and talk to people who can barely speak English. I also sent in all my paperwork to an address in XXXX, MD. on XX/XX/18. Please help me get this off my acct. it is making a senior citizens life miserable. Changing the checking acct. won't help either from the other complaints I am reading regarding this Telecheck company. XXXX is no help in removing this, they don't care about their customers. My husband wants to file a lawsuit which I would really rather not go there. Thank you for listening. XXXX XXXX
07/01/2016	Yes	Prepaid card Payroll card	Managing, opening, or closing account	PA 187XX	Web
I have a paycard through ADP. The card is issued by my employer. I had not used the card in over XXXX years. The department I am in now started to use the card again. I had lost my previous card so I had to call to get a new one issued. First they wanted to charge me a fee, which they can not do since this is a payroll card issued by my employer. I called a second time and again they wanted to charge the fee, but the agent I spoke to agreed to waive the fee and mail me a new card. I also updated my address with her. She advised that the card would be mailed. Over XXXX weeks later, there is still no card. I call again to check on the status. The prompt on the phone indicated that a new card was issued, but not yet activated. When I spoke to the call center agent she would n't assist me because she could n't verify my address. I repeated my current address and the previous addresses I had used. Keep in mind, I was certified with my social security number, name and date of birth. I requested a supervisor. The supervisor was inconsiderate and rude. He refused to do anything to help me. He kept saying that they could n't verify my address. I live in a city and I receive postal mail so the issue is clearly on their end, but he refused to do anything to help me. He kept telling me to fix the issue with my employer. The issue is that one of their employees put my new address in incorrectly. I also told that there are XXXX recent transactions on this card. This experience has been nothing short of frustrating.
01/28/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	MN 55025	Web	Older American
A few years ago I tried a small business and wanted to process credit cards. I signed up thru XXXX XXXX and First Data. They sent me a machine which did not work from day one. I called them and they said they would send me another machine for {$40.00} more dollars. I refused. After months of trying to get this worked out I finally got an email from them telling me to return the machine and the nightmare would be over. I followed their instructions and have the postal receipt. Since then I have been harassed by First Data for lease rental fees ( after I was told the whole mess was resolved ). I did not hear from them for many months and today I received another call, not stating who they were after I specifically asked them who was calling, telling me I owed money to First Data. I replied " I do n't owe them anything ''. The person on the phone told me in a menacing tone, " Check your credit ''. I went online and there are hundreds of complaints against First Data. They are a mega corporation so I 'm sure they feel untouchable. I have been an honest guy my whole life and they threaten my credit when they completely failed me as a consumer. It 's a shame and I expect my government to stop them from destroying good people credit. It 's been years but I still kept the email where they told me to return the faulty machine and that I was done with First Data. Please stop First Data and make sure they did not ruin the credit I rating I earned my whole life ( my rating was about XXXX ). Thanks. XXXX XXXX
07/16/2017	Yes	Credit card or prepaid card Payroll card	Problem with an overdraft Was signed up for overdraft on card, but don't want to be	NC 28273	Web	Servicemember
Hello, I am writing with a very serious complaint about Money Network. Money Network has allowed an overdraft on my card account, which had a {$0.00} balance. That means there was no money in the account linked to the card for the puchase to be approved. There is a reason I left this account at {$0.00} - Not for MN to XXXX XXXX put purchases thru leaving the account with negative balances. Why does this company do things like this? And then push us to overseas customer service agents that ca n't help? This account is not an approved checking account that one has signed up for for thru an application. This is an employer pay card service. Even though the services act like a checking account, OVERDRAFT is something that one must sign up for and check a waiver stating that the end-user has approved the practice. None of this has ever happened with my account. Therefore you put a purchase thru that was not approved, causing nothing but headaches. I would advise this company, going forward to remove the overdraft feature from their system. If the account being debited has {$0.00} funds, the purchse should be denied! I expect you to remedy this and get the {$60.00} back, since this was an unauthorized purchase in the first place. WHY - I contacted this specific company 3 weeks ago and told them to cance ; l the said accunt ( XXXX ) to which they responded over the phone it would be done It was not done - and here we are! What will Money Newtoek be dong about this?
12/20/2018	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Managing, opening, or closing your mobile wallet account	FL 33073	Web
In regards to : First Data Corporation ; XXXX XXXX XXXX XXXX, XXXX is a registered ISO of XXXX XXXX XXXX, XXXX, XXXX, CA ; XXXX XXXX XXXX, XXXX XXXX, NY ; and XXXX XXXX, XXXX, AL. Review First Datas Legal Policy. This company processes the credit card payments for all of my customers. I have a dance school and I charge my customers monthly per their classes. It has been over one month that First Data Corp has frozen my money in which they now have explained there was a red flag payments they collected and wanted an explanation. In which I explained to the lady named XXXX XXXX that my students/customers leave their cards on file in which we have authorization in writing from each of them authorizing each charge and to leave their cards on file. First Data Corp has told me that their affiliated/referred company which is the software company that I use has registered my account as not allowing for credit cards to be hold on file. I need for someone to please investigate this issue because all they tell me is that their company is the biggest in the country for credit card processing but half of the time they don't give me a correct explanation. I have around {$8000.00} - {$9000.00} frozen and have to use my savings account to make sure my XXXX can get paid this month. This is very frustrating as I am a XXXX XXXX XXXX XXXX that I have to deal with this credit card processing company not trying to solve or work with what needs to be done so I can have my money that my XXXX paid me.
06/19/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NJ 082XX	Web
First Data Global Leasing/corporation did nothing but deceive from the XXXX meeting with company representative XXXX XXXX, promising a non existent manual processing machine ( " XXXX '' ) for a trade show promotion, to no initial fees which were taken from my business account 5 days later, an automatic signup for " XXXX '' coverage that I specifically and quite clearly declined and all on a binding contract that was never signed. Repeated phone calls were never returned by the F.D.G.L. representative, XXXX XXXX, to address these issues. But when I went to XXXX, the point of vender contact, a call to his phone was answered immediately when placed by the branch manager. How can this possibly be legal? They NEVER batched out a single transaction, because we NEVER used, connected the terminal or processed a single card with the terminal. When I finally made contact with a F.D.G.L. agent, I was informed that XXXX XXXX no longer worked for the company and my contract is legal and binding. I agreed to a 3 year lease for the processing and the agent extended the terminal lease to 4 years. Now that the contract for the processing is over, they want {$600.00} for early cancellation of the terminal lease, plus the money for XXXX which I clearly stated I did not want nor need. I HAVE INSURANCE. How can this be legal? HELP ME PLEASE. Sign me up for any class action OR any action that can be taken. I have all of my records ; contract, bank withdraws, contact info etc. and will forward as requested.
01/23/2018	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	OR 97702	Web
I owned a XXXX XXXX XXXX XXXX. The name was XXXX XXXX XXXX, dba XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX facilitated my credit card processing. When I first started with the company in XX/XX/XXXX the bank that XXXX XXXX XXXX used to process credit cards was First Data. In XX/XX/XXXX they switched the bank to XXXX XXXX for processing. I worked with their representative and had to sign a document to cancel merchant services with First Data effective XX/XX/XXXX. However due to a mistake that XXXX XXXX XXXX made despite the signed cancellation agreement I continued to be charged bank fees by First Data for 15 months thinking the entire time those fees were from XXXX XXXX. I finally discovered the problem after I had sold my store on XX/XX/XXXX and noticed that my account continue to be charged a fee when I had canceled all merchant services as of that date. I immediately contacted XXXX XXXX XXXX. They admitted it was their mistake and something did n't get processed correctly in the paperwork. The general manager XXXX XXXX even told me over the phone that the old merchant number would be listed on my bank statement with the withdrawal and I should have known it was from First Data. After contacting the bank and reviewing all statements this was not the case. There was nothing to identify the withdrawals as coming from First Data. XXXX XXXX XXXX only agreed to reimburse me for 6 months which came to {$390.00}. I am still owed {$480.00} which they refuse to pay me.
03/12/2016	Yes	Bank account or service Other bank product/service	Using a debit or ATM card	NV 89169	Web
I have an ADP Aline card which is an employer sponsored card to receive direct deposit of checks. On XXXX XXXX, 2016, I went to a restaurant and place an order utilizing my ADP card. Unfortunately, I had to cancel the order due to bad service and inedible food. I told the clerk to cancel the order and he said he could not. The transaction was registered as a credit card purchase. I collected the receipts and did not sign for the order. I contacted ADP Aline on XXXX XXXX, 2016 and requested that the pending transaction be stopped due to an unauthorized transactions. I was informed that a dispute was formulated and that I should find out about the transaction in 7 calendar days. Consequently, on XXXX XXXX, 2016, I checked my account to see no credited balance. I called and spoke with a manager of the organization and was told that they called the merchant and the purchase was authorized. However, it was not. I asked if they had my signature on receipts they responded no. I then asked to start the dispute processed again and was told that I would need to provide an address for mailing legal correspondence. I informed the manager that I have no mailing address at the time and if they could mail it to my nearest post office, she responded, " no. But we can mail it to a friends house. '' Thus, due to me not having a physical address I was denied the right to dispute the transaction. Additionally, I have monies deduction from my account without authorization. What can I do?
07/30/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30213	Web
On XX/XX/XXXX I contacted Tele-Check that my bank had sent back a check I wrote on XX/XX/XXXX for XXXX after I had deposited a check for XXXX into my acct to cover the check. I called them because my bank sent it back talking about holding my funds so they could collect as much interest on as much, I know this only caring about themselves not the customer. I spoke w/a XXXX-collector Desk XXXX at Tele-check, not to even go into how inappropriate this person was w/her personal opinions as oppose to sticking to the facts. The reference number for the call that I insisted on is XXXX. I called in advance to ward off them taking XXXX my acct because they could and the funds were there, this is WRONG. I believed this money would NOT be taken out after the call and heads up warning for the check did clear as XXXX and I discussed on XX/XX/XXXX. She tried to get me to pay another XXXX that day?? then they would have gotten XXXX from me, to earn interest and return to me at their will and leisure. Really, a manger needs to pull that call. On XX/XX/XXXX XXXX was taken out of my acct because they could and have access, the risks you run of writing a check these days!! It's check number XXXX XXXX XXXX XXXX XXXX XXXX. Tele-check trace number XXXX. They should not be allowed to just capitalize off of ppl like this because my check WAS good and written in good faith. I had NO idea at the time of writing the check my bank would not honor after I knew I had the funds coming to cover.
08/20/2019	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	NV 89115	Web	Servicemember
I have A XXXX money network exceeds card which are issued by XXXX XXXX XXXX and maintained by XXXX XXXX XXXX. On XX/XX/XXXX they charged me XXXX, on XX/XX/XXXX they charged me XXXX, and on XX/XX/XXXX they charged me XXXX for an account maintenance fee which is unusual since I have had the account since XXXX and I have never been charged a maintenance fee. I have screen shots of all my account months to prove that I have never been charged a maintenance fee until XX/XX/XXXX until XX/XX/XXXX and all three amounts are different. The reason for me not having to pay an account maintenance fee was that I had at least a XXXX in direct deposit each month. I called the phone number on the back of the card XXXX XXXX an operator that barely spoke any english answered the call and said: That they do not have access to fix that and yes she sees that I had never been charged it before. So they even admit to screwing up and stealing it but she's sorry she doesn't know how to fix this problem and neither did her alleged supervisor. I would like XXXX XXXX to return my XXXX and stop stealing from me and then when confronted about it stop lying about it and saying they can't do anything about it, which they have done in the past. Sounds like to me XXXX XXXX is up to its old tricks again and needs investigated. I will copy this statement and forward it to the appropriate people like i did last time XXXX XXXX stole my identity to open illegal accounts guess they have not learned lol.
10/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07111	Web
I was trying to purchase some merchandise thru XXXX and received a decline notification. There was a message that said my payment method which was my bank account was declined as your preferred form of payment. It then gave me a phone number to Tele-check and I called them. I was told that there were 5 previous charges that were returned to Telecheck from my bank as Non sufficient funds and I would have to pay for the charges and an additional {$25.00} for each debit that was returned which turned out to be which. So they wanted me to pay an additional {$120.00}. I then checked my bank account and so those five debits cleared my account on XX/XX/2018. This happened today XX/XX/2018. Then I called Tele-check back and then they said no this was the second time we put this thru. And then I stated to them those debits cleared my account on the night of XX/XX/18 posting on XX/XX/2018. She said you the to pay the NSF fees of {$120.00} even thought the charges cleared your account. And she also stated that the charges still show outstanding in their system. I am not paying an additional {$120.00} for items that have been paid by my bank. She then said that they have already processed the fees to go through my bank any ways and if I don't pay them then I will not be able to use my bank account to pay for anything on XXXX. I told her I am not paying any fees especially when the items have cleared the account. Attach I have my bank statement showing the items cleared.
06/18/2019	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NC 28269	Web	Servicemember
On XX/XX/2019. I checked my bank account for my transactions. I found that unauthorized ATM transactions were made on my account over 200 miles away from where I live and work on XX/XX/2019. The transactions totaled including ATM fees of {$740.00} showing 2 transactions on the same day from the same Cash Points machine in XXXX, NC on a day that I was at work with my ATM card in my pocket. I immediately called Money Network to make a report. They canceled the ATM card, issuing me another card and sent me a claim form stating that the claim could take up to 60 or 90 days to resolve. Less than 2 weeks later after submitting the claim form, I received a letter stating the claim was denied. When I reached out to Money Network the Customer Service Rep was rude and said there was no reason for denying the claim. I appealed the denial and they denied it again with no reason and said they were closing the case. I have since made a complaint with the NC Atty Gen office with no response except another letter from Money Network stating the case was denied and being closed. My wife is out of work and we need that money back in our budget asap. I was using Money Network through my job for payroll deposits. I have since stopped my work payroll deposits due to them not honoring FDIC policies to refund my pay due to ATM scammers. I found out online that Money Network does this often to its customers. I found many other complaints on this same issue with Money Network.
07/28/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33068	Web
I contacted this company by certified mail on XX/XX/2018 and as of today date I have not yet had response from this collection agent as per the Fair credit reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy and the Fair credit reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy. My request to First Data Merchant account number XXXX for the sum of {$230.00}. I have explained that this account is unknown to me and I require FULL validation for this account that includes. It is now 57 days after my certified request for validation. Pursuant to the Fair Debt Collection Practices Act you have failed to provide me under the CREDITOR /DEBT COLLECTOR DECLARATION the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt 2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor 3. Any insurance claims been bade by any creditor regarding this account 4. Name and address of alleged debtor 5. Alleged account number 6. Address on file for alleged debtor 7. Amount of alleged debt 8. Date the alleged debt became payable 9. Date of original charge off or delinquency 10. Verification that this debt was assigned or sold to collector 11. Complete accounting of alleged debt 12. Commission for debt collector if collection efforts are successful. I request that you follow compliance and remove this entry from my 3 bureau credit reports.
06/11/2015	Yes	Credit reporting	Credit reporting company's investigation Inadequate help over the phone	NV 890XX	Web	Older American
Tired to cash a check at the local casino, XXXX XXXX, about XXXX months ago. It was refused and they referred me to Telecheck. Called them and they said it was lack of information and history. They updated my file, and said any check would be accepted. Tried to cash a check last week at XXXX XXXX and it was again refused. They gave me the refusal code and I again called Telecheck. They have you listen to a recorded message about the refusal before you get to talk to customer service, which I did and then talked to XXXX of their reps. He explained that the reason the check was refused was because there was no history of cashed checks with other Telecheck merchants. I live in XXXX NV ( less than XXXX people ). Do you think we have loads of merchants using Telecheck? Asked him if there was any negative information -- " NO '' was the reply. So my checks are getting refused for absolutely no reason except that Telecheck wo n't let the casino accept my check. This was made even worse since there were people around ( people I knew from church ) who saw that my check was refused. This was horribly embarrassing!! Telecheck has NO negative information BUT they are stopping me ability to cash a check at the local casino. I talked you XXXX of YOUR reps on the phone and she instructed me to file the complaint on-line using the category " credit reporting ''. You have permission to access any of my credit information to resolve this issue.
04/26/2017	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble closing card	NE 68116	Web
I was issued a debit card from my employer in payment of wages. The card was issued b y Money Network on b ehalf of XXXX . I tried to use the card and access was deni ed on 3 occasions even though there were more than enough funds on the card to cover these transactions. I was charged {$2.00} for each denial and am charged a monthly maintenance fee. I called to inquire about the reasons for denial of access to the funds on the card and was not given any intelligible answer. I called the customer service number and inquired about closing the account and receiving a check for the balance remaining on the card. I was told I could do that by faxing a letter requesting the account be closed along with the account number and mailing address. I was told it would take 2 weeks to process this request and that a check would be sent to me for the balance.I faxed th e letter, and receipt of the fax was confirmed. I did not receive a check, so I called customer service to inquire about why I had not received the funds. The person I spoke to confirmed receipt of the fax and my request, but could not give me an intelligible answer as to why I have not received the check. When I requested to speak to a supervisor, I was placed on hold and ultimately disconnected. This all occurred in XXXX and XXXX , XXXX . Instead of a check to close the account, the monthly maintenance fee was increased from {$2.00} per month to {$5.00} per month.
06/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TN 37421	Web	Older American, Servicemember
TO : Bureau XXXX Consumer Finance ProtectionMy XXXX year old mother was a victim of identity theft in XXXX of this year. Counterfeit checks were created using her banking information, and XXXX checks totaling {$1100.00} were used at Walmarts in the XXXX area. Upon receiving her statement for XXXX, we notified the bank, who regained the money, closed that account to prevent further fraud, and filed a police report. TRS Recovery Services, hired by XXXX, has begun to hound her about paying for these checks. Over the weekend, she received a letter from them with a " Demand '' XXXX their word XXXX to pay their bill and a threat that a collection agent would be assigned to follow up if she did not. I have filled out a TRS dispute claim for all money owed and sent them a copy of the police report ( # XXXX # XXXX ) and a business card of a bank employee to contact, but TRS continues to call her XXXX or XXXX times a day, in spite of the fact that they have been told in no uncertain terms to leave her alone XXXX. I have also sent copies of all dispute forms and information to XXXX legal, as well as XXXX XXXX Department. The harassing calls continue to come in, and I am concerned about the emotional and possible physical effects the stress of worrying about this issue may cause my mother. Please contact me and let me know what my next steps need to be for you to investigate this issue. re : TRS Notifications XXXX XXXX XXXX
12/30/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	PA 191XX	Web
My corp chain # XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, Pa XXXX Business Name : XXXX I was charged {$75.00} to remove a feature offered by XXXX XXXX when using their " quick shopping cart '' product. The feature is on the " Set Up '' tab, " Operations '', " Payment Options '' tab on the XXXX XXXX Website. As a merchant, you must select this " credit card ( Recommended ) '' option, in order to get customers who would like to pay with credit cards. This is a {$10.00} a month charge from XXXX XXXX which is managed by First Data ( known as " XXXX '' ). I switch products with XXXX XXXX by removing the " quick shopping cart '' product and added the " online shopping store ''. With the online shopping store you no longer need the feature " credit card managed by first data '' because now it 's all included for free in the " Online shopping '' product that XXXX offers. When I enrolled with the " Quick Shopping Cart '' I never received information on a fee would be charged if I cancelled. I was also not aware that I would be put on a contract for 3 years until XXXX 2018. I clicked the green check marked within the XXXX site and then received a call from First Data on how to put a code into the website in order to start receiving customer credit card statements. I am disputing this because I never received paperwork that a cancellation fee of {$75.00} would be charged, therefore I should receive my {$75.00} back.
06/23/2018	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	OH 44112	Web
On XX/XX/2018 I used a service the XXXX money network offers, which is the ability to write a check to withdraw money from my account without my card. I called the company 's number to receive an issuer number and transaction number and wrote the check for {$400.00}. When a transaction is created, the amount of the check is deducted from the account and moved to the check. When I attempted to cash the check, the cashier called the company to get approval for the transaction, as policy provides. Upon calling, the automated message said the check was unable to be verified, I called the company and while I was on the phone with the representative the cashier tried to verify the check again, but it was again denied. The representative then informed me they would not be able to cash the check. I was directed to fax a copy of the voided check to their office, which I did the same day. Since that day I've been given false information and different information with each call. The entire issue was due to fault on their end yet they have not returned the funds to my account nor given me an accurate time for the returned funds. I have been told something different each time I've called, which has been daily for the past week. Even upon speaking with supervisor s on each call I've still not received accurate information. They told me there is no corporate office number to call, and during my call today I was hung up on.
05/01/2018	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	WI 531XX	Web	Servicemember
On XX/XX/XXXX I wrote Check XXXX to the grocery store for {$64.00} On XXXX It bounced On XX/XX/XXXXit cleared The check was deposited via telecheck systems at the cashier. Two weeks after on XX/XX/XXXX my account gets a debit for XXXX from " my grocery store as a fee '' I immediately told my bank I did not authorize it. I didn't have XXXX in my account so on XX/XX/XXXX they bounced it, and charged me XXXX Today XXXX, I called the grocery store, they said they had nothing to do with it, Telecheck sent the XXXX fee. They told me to call Telecheck, at XXXX, I called. When I explained the situation, and cited www.fdic.gov/regulations/laws/rules/6500-580.html Section 3 ( c ) 1 Checks " Regulation E does apply however to any fee debited via an eft from a customers account by the payee because the check was return for insufficient funds or uncollected funds. The person debiting the fee electronically must obtain the consumer 's authorization. '' I did not authorize the fee, and they never notified me of it. When I called the number they then sent me to XXXX XXXX XXXX XXXX, where I explained the same. They broke the law debiting a XXXX fee by not garnering my consent. I did tell them they can charge it on Friday, payday. However, I am reporting this practice because this check for food for XXXX cost me nearly twice as much as the amount on the check in fees between the bank and this company.
03/18/2017	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	CA 92407	Web
On XX/XX/XXXX I was awarded FAFSA ( XX/XX/XXXX was awarded Federal Work Study ) from XX/XX/XXXX, but instead of sending me a check I have to either choose a service between either a " Wolverine Card '' or Direct Deposit service provided by a company called XXXX ( XXXX ; the company ) ; XXXX does not issue checks. XXXX, both on their website and at the financial aid office, has authorized this company to release of these funds by my only XXXX options. XXXX explained I should have receive the funds BY XX/XX/XXXX but within XXXX business days from time of award letter. I did not understand the statement so asked for clarity. She explain, by example, that if I had been awarded on the XX/XX/XXXX then they have XXXX business days to deposit the funds, but if I was awarded on the XX/XX/XXXX then I would have to wait until the XX/XX/XXXX of XX/XX/XXXX. It has been well over XXXX business days so I called XXXX at their toll free number. The customer rep informed me of XXXX things : XXXX Unless I get a card from them they will not release the funds 5 days AFTER the XX/XX/XXXX ; XXXX That from his screen he was only permitted to view my deposit information ( invasion of privacy to give reps display of bank account router and account number ) ; and XXXX and if I wanted my funds before the XX/XX/XXXX I need to get the card. This is extortion similar to the banking practices of XXXX
06/06/2017	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble using the card to spend money in a store or online	MD 211XX	Web
On XXXX XXXX 2017 I attempted to use my ADP TotalPay card to purchase a computer at XXXX XXXX in XXXX XXXX XXXX in Maryland. I wanted to charge {$800.00} on the card. At the time I had a balance of {$1800.00} of available funds. The card was declined. XXXX XXXX attempted twice and it was declined twice. I had to use my XXXX XXXX XXXX Check card to make the purchase. I contact customer service at the Money Network and was told they could find no reason as to why my card was declined and they apologized for my inconvenience. They stated I could transfer funds from the ADP card to cover the bank card. On XX/XX/XXXX, I processed the transfer of funds from my ADP card to my personal XXXX XXXX XXXX checking account in the amount of {$950.00}. My ADP card was charged {$3.00} for this transfer. On XX/XX/XXXX the funds had been returned by my ADP card ( less the {$3.00} fee which was not returned ). I called customer service and was told they were having a technical glitch and could not transfer the funds at this time. They once again apologized for my inconvenience. At this time TotalPay has approximated {$1800.00} of my funds and will not allow me to use the money as I wish. As it is they limit me to the use of {$1000.00} of my funds per day. I have accepted this limitation and tried to work within this limit but now their process of declining my transactions is excessive.
04/25/2017	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 91301	Web
I cancelled a merchant account with First Data XXXX XXXX in XXXX XXXX . I would be happy to scan and send copies of the cancellation letter from my nonprofit organization, the form requested b y First Data cancelli ng service & a bank account showing the amounts charged. Total amount charged monthly from XXXX XXXX XXXX is {$130.00}. I calle d First Data on XXXX XXXX this year to ask for a refund. They asked that I submit paperwork relating to the charges which I did to XXXX XXXX XXXX . They did not respond. I called again on XXXX XXXX and eventually managed to speak to a supervisor, XXXX . He said he had all the paperwork from me and could see th at First Data had not cancelled the account nor made any refund. He confirmed it was now cancelled. ( I had already cancelled the account with my bank ). He said I should call back in a couple of weeks. I called this morning - XXXX was unavailable. I spoke to another supervisor and after a lengthy conversation she informed me that I had to send the request again to XXXX XXXX XXXX . I asked to speak to someone in that department and was told they only accept emails. I feel sure that XXXX XXXX does n't want to refund the money, so now they are giving me the run-around in order to not make good on what is owed. I do hope y ou can help me as this is a considerable amount of money.
04/20/2015	Yes	Credit reporting	Incorrect information on credit report Account status	GA 30078	Web	Older American
XXXX is arbitrarily declining my checks at XXXX XXXX XXXX. This is the XXXX occurrence since XXXX XX/XX/XXXX They declined a check submitted on XXXX/XXXX/XX/XX/XXXX and ironically sent a letter demanding I send them a check for {$170.00} the XXXX of XXXX. We were on vacation and actually received it on XXXX. After calling them to clarify, I was threatened with XXXX denying all my checks to all of their customers until I submit another check. The same problem was experienced in XXXX and after XXXX hours with a supervisor I was advised their problem had been corrected and I would have no further problems with them as they had no negative transaction with our check cashing or funds. I spoke with Svc. Rep. XXXX and Supv. XXXX today, both were rude and insistent upon me clearing up the problem. They admitted the problem was either with the machine or the clerk 's input of the check but declared they had no responsibility for that. At no time have I had insufficient funds and my bank would not decline a {$170.00} check if I did. Manager, XXXX, at XXXX XXXX advises us that the check has been paid. I do not like threats, especially unwarranted ones and I do not like my credit and reputation besmirched by a business that has no concern for consumers. XXXX was fined millions of dollars in XXXX XX/XX/XXXX for unfair consumer business practices. This has the smell of a scam.
05/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43224	Web
To Whom It May Concern, The reason for my dispute is TRS RECOVERY SERVICES XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, TRS RECOVERY SERVICES failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) TRS RECOVERY SERVICES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation TRS RECOVERY SERVICES is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where TRS RECOVERY SERVICES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. TRS RECOVERY SERVICES has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
08/16/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	HI 967XX	Web	Servicemember
I signed a lease with a credit card processing company for 3 years, I was told that the equipment lease was going to be the same number of years, but it got buried between lots of pages in the package, it started ta get scary when I made a transaction for several thousands of dollars off my client but the processing company was holding the funds without telling me, That companies name was XXXX, which was at that point not working on releasing the funds, I asked my client to call them and beg them to deposit her money on my account so I can order her products to fix her rental house, it took about a week for us to get the money transferred, I am loading copy of letter, I went ahead and stop all transactions with them, my lease was finished, it took three years then I found out that I wasnt able to finish the equipment lease, it was one year longer, besides The fact that the thermal paper was not working and I complained several times and never got any help I was ready to finish it, I packed the useless processor back to them, I upload copy of shipment and proof of receipt, furthermore they kept taking monthly payments from my business account, I got a few returned but they had no intention to stop so I had to block them off of my checking account, in exchange for my reaction they gave my a bad credit record which I want to have them removed immediately.
11/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	LA 700XX	Web
I am filing this complaint using information obtained from XXXX credit reporting agency. On XX/XX/18 I filed a dispute on my XXXX credit report. It was showing that I had 3 public record reports. A few days before the 30 day deadline, it was closed with no change. I contacted XXXX, to see where the information come from. XXXX gave me a tremendous run around, then ended up naming multiple companies as the source. I am filing this complaint on all of the services that XXXX stated where involved. I am hoping that if you where not involved, that you will at least provide a letter stating that you did not report the public record information to be true, and correct as XXXX has stated. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, La XXXX XXXX XXXX The dispute timeline was filed on XX/XX/XXXX-XX/XX/XXXX XX/XX/2018. Once again I ask if you are not the involved party, please at least for the protection of myself, and your name a statement that you have not reported, not obtained a public record search. XXXX is using merged information, violations of the FCRA, and there breaking the law to try to push this off on me, and others. Please I am begging you to do the right thing, and help me fight XXXX. If you are the reporting co, please leave proper contact information, so I may call you, and get this taken care of. Thank you in advance, XXXX
10/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92591	Web
Hi, On XX/XX/2018, I initiated a transfer through XXXX online in the amount of {$2700.00} ( {$2600.00} + XXXX fees ) to XXXX XXXX in XXXX, Canada through electronic payment from my bank account. On XX/XX/2018 ( next day ), XXXX notified me that transfer could not go through for security reasons and transaction would be cancelled. An email confirmation of cancellation was dated XX/XX/2018 was sent by XXXX. Since the funds were not deducted yet on my bank account, and to avoid having the money deducted from my account erroneously, and waiting for a refund to take place later, I placed stop payment orders with my bank for XXXX On XX/XX/2018, I received a notification from my bank that they stopped the payment on XX/XX/2018, which I assume was a late processing by XXXX website. On XX/XX/2018 I received a debt collection notice by mail from XXXX XXXX XXXX XXXX XXXX notifying me that I still owe this transfer amount to XXXX. I contacted XXXX customer service on XX/XX/2018 and was notified that my transfer was cancelled since XX/XX/2018, and that they never referred me to a debt collection agency since my account is closed already. XXXX advised me to never pay XXXX XXXX XXXX as it is a scam. I believe I am a victim of fraud here by this collection agency, and I am concerned that they might further hurt my credit or chase me to collect this amount.
11/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77406	Web
Received a " Notice of Unpaid Electronic Transfer '' from XXXX XXXX XXXX , XXXX dated XX/XX/2018 requesting payment for an alleged Check Number XXXX written on XX/XX/2018 to Original Creditor XXXX XXXX XXXX Store Number XXXX, which is in XXXX, GA in the amount of {$2000.00}. The above information is from the notice and includes that the check was returned as either a Stop Payment or the account the check was written on was not authorized for ACH transactions. The notice also says XXXX XXXX , XXXX purchased the dishonored electronic fund transfer and forwarded it to XXXX XXXX XXXX , XXXX for collection. First, I live in XXXX, TX and was at work in XXXX, TX on XX/XX/2018 and have never been to or in XXXX, GA. Second, there were no supporting documents accompanying this notice such as a copy of the returned check or bank name the check was drawn on or a copy of the receipt for whatever was purchased. Third, the check sequence of my bank account checks currently in use are in the 500s, not the thousands let alone the 4000s. I am not the person these people are looking for. Lastly, upon investigating scam or fraud reports via the Internet on these two companies I found numerous consumers who have had similar experiences. And apparently, these companies do not do their due diligence verifying customer information during transactions.
11/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77406	Web
Received a " Notice of Unpaid Electronic Transfer '' from XXXX XXXX XXXX , XXXX dated XX/XX/2018 requesting payment for an alleged Check Number XXXX written on XX/XX/2018 to Original Creditor XXXX 's XXXX XXXX Number XXXX, which is in XXXX, GA in the amount of {$2000.00}. The above information is from the notice and includes that the check was returned as either a Stop Payment or the account the check was written on was not authorized for ACH transactions. The notice also says XXXX XXXX , XXXX purchased the dishonored electronic fund transfer and forwarded it to XXXX XXXX XXXX , XXXX for collection. First, I live in XXXX, TX and was at work in XXXX, TX on XX/XX/2018 and have never been to or in XXXX, GA. Second, there were no supporting documents accompanying this notice such as a copy of the returned check or bank name the check was drawn on or a copy of the receipt for whatever was purchased. Third, the check sequence of my bank account checks currently in use are in the 500s, not the thousands let alone the 4000s. I am not the person these people are looking for. Lastly, upon investigating scam or fraud reports via the Internet on these two companies I found numerous consumers who have had similar experiences. And apparently, these companies do not do their due diligence verifying customer information during transactions.
01/24/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	SC 29708	Web
My deceased wife passed away in 2011. I then found out I was a victim of identity theft. I went to the police and was cleared of all the fraudulent activity as well as criminal activity. I went to court when the banks were claiming that I might have used an alias and proved that I did not. TeleCheck is breaking the law by reporting information from a bank that is reporting to TeleCheck an account that 's already been proven by the police to be fraud and not belonging to me. When TeleCheck refused two remove this reporting hi then had my attorney send a letter to them. TeleCheck said that they could not discuss this with my attorney without a power of attorney even though that I gave permission for the attorney to talk to Telecheck to Telecheck in writing and on the phone. TeleCheck is breaking the law and trying to say that because the bank is reporting it to them they have a right to report it even though I prove to Telecheck that it was fraudulent. I 've given TeleCheck all four parts of 605b of the Fair Credit Reporting Act to show that they should remove that reporting of that fraudulent account. TeleCheck is acting Above the Law and claiming their policies overwrite the law and give them or right to break the law. My claim to them is that they have to follow the law and their policies have to abide by the law.
03/25/2015	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	IN 468XX	Web
I Canceled my Credit Card or Merchant Services company and then got hit by predatory fees. I called to cancel was given instructions on returning the Credit Card terminal which I followed & from that point forward they began pulling money from my account through ACH charges. I attempted to handle it through my bank but because it 's a business account, I would have to catch the charges within 24 hours. Prestige & First Data know what banks can and can not do so they are VERY sly in changing dates, numbers, and descriptions so my bank can not just deny future charges because they will change an amount, description, or date just enough that a database can not see it. The Merchant agreement was sold as a FREE service with only standard % per transaction fees, $ per swipe, and NO monthly fees or charges for equipment. This is predatory and malicious behavior when I did my due diligence to cancel & follow all protocols as stated on the phone during cancellation. I also have my current company that offered them reimbursement for an " CANCELLATION FEES '' but they claimed there were n't any. I am a sole proprietor and really need your help getting my money back and stopping this company from future business dealings with me or others who might fall for the same lies played on the sales calls. Thank you, XXXX XXXX
07/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	MA XXXXX	Web	Older American, Servicemember
A " letter from XXXX-First Data Credit Card Transactions Clearing Service named me as a merchant but I have never been nor have accepted payment to me by credit card as a XXXX or XXXX ( retired XX/XX/XXXX ). They sent the letter to my legal residence rather than what our Town 's US Post Office requires us to use. Their Security Dept. I told me XX/XX/XXXX that the account " had never been opened '' because " it did n't look right '' & that no transactions occurred, but they sent a Statement or the XX/XX/XXXX-XX/XX/XXXX reporting {$4400.00} in transactions ( including {$98.00} fees ) alleging deposit of {$4300.00} to my bank ( which my bank never received ), despite the phone assurance, then sent a XXXX form ( contradicting their phone statement & continued to send " Statements '' ( using the corrected address I had provided ) until XXXX XXXX in Sen. XXXX 's Office contacted them. They called to assure me that they knew that the account was fraudulent but refused to provide evidence of how it was opened or where alleged bank deposits were sent. Despite this assurance, I just received a collection notice from XXXX XXXX XXXX for {$4700.00} ( for " XXXX '' ) which I immediately disputed with XXXX XXXX by phone. XXXX-First Data offers self-opposing facts, untruthful information & no useful service.
12/17/2015	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	NC 28226	Web
My wife had lost her debit card and had a pending service appointment at a hair salon XXXX XXXX, XXXX, NC XXXX. I called the salon and inquired if they accepted checks for payment because we needed to cancel the appointment, otherwise. I was told by the salon they would gladly accept our check for payment. When my wife completed the service and presented the check for payment it was rejected by Telecheck, record number XXXX. We called Telecheck at XXXX to ask why and were told under no circumstances would they accept the check for the merchant. The reason we were given is not that we have written bad checks, we have never had a check returned, but that they had insufficient history to approve the transaction. There is nothing posted conspicuously, nor disclosure from the merchant, that a consumer is required to obtain pre-approval with Telecheck to present a check for payment. Further, we had to go through the embarrassment of making other arrangements not because of negative history, but because of no history at all ( that happens when you do n't bounce checks XXXX. Let me ask, how am I supposed to establish a history with Telecheck if they wo n't approve check writing in the first place? How am I supposed to know I need pre-clearance with Telecheck if it is not disclosed as a requirement?
09/08/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	NC 278XX	Web
I believe there is more corruption going on within XXXX, whom is now or always been tech support for XXXX XXXX XXXX XXXX XXXX XXXX Income Commissions. I previously filed about this when I used XXXX XXXX XXXX & XXXX XXXX XXXX.Now XXXX XXXX XXXX wont transfer my prospects still so can receive my commissions, also they are allowing XXXX to constantly withdraw monies from my account ( They owe me {$15.00} ) while charging an extra {$2.00} ( XXXX trasactions equaling {$4.00}, plus they have allowed forclosure.net to withdraw monies equaling {$79.00}. With XXXX XXXX, I reported this before to stop it & nothing has been done to prevent them from taking monies from my account! I contacted The Money Network/ First Data about this earlier this morning for investigation & received a call back from their fraud department & they ask for XXXX #, which I do n't give when people call me! I was told that these matters wo n't be investigated because the gentleman & his supervisor stated they needed my XXXX #, which I had already typed in the last XXXX # 's of befor ethe call was transferred. the Money Network tried to tell me they need to close my card & issue another for {$6.00}, which I refused! Please investigate XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX? Thank you all! From : XXXX XXXX XXXX.
07/16/2015	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	AZ 85029	Web
MY name is XXXX XXXX XXXX. I work for XXXX XXXX since XXXX. At the beginning of my employment, XXXX deposit my paycheck with the ADP Bank before my personal account was set up. After the personal account was established with the XXXX XXXX Bank, XXXX XXXX direct all the new deposit to the new account. ADP bank closed my account on XXXX without notification to XXXX or to me.the account remain in it over {$2500.00}. On XX/XX/XXXX, I received an old letter dated XX/XX/XXXX was forward to me through the post office from ADP bank saying the account is closed. I contact ADP bank more than XXXX times every time I call they ask me for the new address. I had to speak with XXXX supervisor for the same issue. they promise to send me a check, but never happened. they do not want to release my money. on XX/XX/XXXX the XXXX payroll personal ( XXXX ) called the ADP and I was on the XXXX line with them, XXXX ask them to send me a check with the remaining amount. the ADP promised to send me a check within 3-5 business day, but never happened. XXXX ( XXXX payroll personel ) Ph # is XXXX. My ADP Acc Debit # XXXX. ADP ph # XXXX. AM asking you in my behalf to speak with ADP to release my money. it is urgent. I need to pay my mortgage and other bills. thanks. if you have question please call me.
06/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	CA 954XX	Web
I attempted to pay for food items at XXXX XXXX in XXXX California on XX/XX/19 for $ XXXX.They ran the check through Telecheck who declined the check do to possible fraud.I then phoned Telecheck at ( XXXX ) XXXX at was told that they declined my check because their system had no information on me and that I had not written a check to this merchant since XX/XX/2019.This made no sense to me and I then talked to a supervisor who told me the same thing. I then told the Telecheck supervisor that this checking account has been open since XX/XX/XXXX and has an average balance of {$5000.00} and that we write over 300 checks per year.She could not give me any other answer other then their systems algorithm reconized my {$42.00} check as a possible fraud. She further stated that now that I had given Telecheck my name ( and spouse ), mailing address and telephone number this decline should not happen again, but only after seven days which their system needed to refresh.I have always known Telecheck as a negative date base for bank accounts that merchants could use to cut down on bad checks.It now appears that they decline checks without any negative report of an issue in order to have people give them their personal information.My hunch is that they then market this information.
05/03/2017	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	TX 757XX	Web	Older American
Without admitting their error, Telecheck Services ( w ho processes orders for XXXX ) sai d that " your account has been updated '' and re-submit the order in XXXX to XXXX days and it will be processed. For years, I have paid XXXX through my preferred bank account with XXXX XXXX XXXX -- and orders have arrived to my address. I placed an order yesterday and XXXX said it would be arriving between the XXXX and the XXXX of XXXX . This morning I received an e-mail from XXXX saying that my bank had refused payment, according to Telecheck. HOWEVER, I called my bank and they affirmed no request for payment had come from XXXX , that TELECHECK had made an error because my account ( a large one ) would have immediately paid for the purchase. I have tried to get XXXX and Telecheck to tell me WHO made this error so it can be corrected TODAY. I have been referred to people with no authority to do anything by both companies. I have spoken to people in various countries who are difficult to understand. I am livid at the fact that I can not talk with ANYONE who has the real authority to TELL ME THE TRUTH AND STRAIGHTEN OUT THIS MESS. Both companies need to be FINED and consumers need to be treated HONESTLY by people with authority to correct errors!
08/01/2016	Yes	Prepaid card Payroll card	Managing, opening, or closing account	GA 30215	Web
My card account was placed on hold with any notification to me. The company ADP Totalpay accepted a deposit into the account even though they would not give access to the money ( they didnt tell me ). They have given me numerous reasons as to why this happened and none of their reasons make sense. I have sent them all the requested documents multiple times ( a copy of my drivers license, a copy of my paycheck and a copy of my social security card ). They have given false reasons as to why they can not use the documentation. Once they told me that my driver 's license it expired, however, it does not expire until 2021. They told me that my i.d . was too dark to read but they read me the information from it. They initially said that they could read my social security card, but after the 3rd time I 've sent in my documents they say they can not read the social security card. None of my files are blurry or dark. I have sent these same files to other businesses and they were read fine. I have gone a month without my money. The ADP TotalPay customer service will not allow me to speak with a supervisor. They just continue to place you one hold and then transfer you blindly to a line where no one ever answers. I only want access to my pay that was deposited on the card
11/19/2015	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	GA 300XX	Web
I have a Health Savings Account ( HSA ) with a local bank. Sometime early in the year the bank was sold to another regional bank. I had always paid for my prescription drugs with a check from the Health Savings Account. Since the change to the new bank XXXX of the local drug stores - XXXX and XXXX will now not accept my check from my HSA. At issue is Tele-Check Services which both of them use to validate checks. I talked with the agent from Tele-Check who said that they did not accept checks from HSA accounts. I have used an HSA account for over 5 years before writing checks for prescriptions, doctor visits, etc. Once my bank was bought they returned a few checks and I paid both since they were written on the previous bank check. The bank said that is no issue because they still honored the old check and the account or bank routing had not changed. I am mystified why these drug stores would use a check validation system that is so clueless about HSA accounts. TeleCheck even tried to say it was a XXXX drug company problem. I knew that was not true because they denied it at XXXX also. I am responsible for funding my own HSA so I ended up having to put the cost of medicine ( not cheap ) on my personal credit card which defeats the purpose of having a tax free HSA.
04/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MO 64836	Web
On XXXX XXXX 2016 I had a check declined at our local XXXX XXXX store. I was given a ticket with a phone number to TeleCheck to find out the reason my check was not accepted. After several attempts I was able to speak with a representative with TRS Recovery Services. They informed me a check of mine written on XXXX XXXX, 2016 at XXXX XXXX did not clear and they would wave their fee of {$50.00} if I wished to give them my credit card number and pay over the phone. I told them I had no record of buying anything on this date and would not give them my credit card number not knowing if this was a scam. I asked why I had not received anything by mail informing me of this situation, but was not given an answer. I was instructed to go to their website and file a dispute claim if I felt this was an error. I have looked at their website and their claim form and it is requesting all my personal information such as social security number, drivers license number, bank account and routing numbers. I do not feel comfortable providing a company I have never heard of this information. While investigating this company on line I have seen several sites with comments of this being a scam and or a poorly run company that makes many errors in collecting for inproper payments.
06/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70810	Web
I received a debt collection letter from TRS Recovery Services at an address where I am building a home. This is not my current address and the bill is not mine. The notice is for an Unpaid Electronic Fund Transfer from Merchant XXXX XXXX and the creditor is TeleCheck. The amount is {$11.00} plus a returned check fee of {$25.00} for a total of {$36.00}. The reference number is XXXX. When I contacted TRS, they would not discuss the account or how I was referred to them. They simply sent me to their website to submit a dispute. The person I was talking to only had two months on the job and did not know much. I asked to speak to a supervisor and he said the supervisor told me to go to the website. He then gave me a number for Telecheck. I called Telecheck and spoke to XXXX, ID # XXXX. He was completely unhelpful and told me to call TRS. This is very circular and nobody is willing to provide information on the false debt claim. The person I spoke with at TRS was XXXX XXXX. They are obviously trying to collect on an amount owed by someone else. TRS asked if I can be reached by the number on file and it is a number from New York. I live in Louisiana. I need them to remove this from my record and not have this associated with me in any way.
02/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IN 46123	Web	Servicemember
I was contacted by a Debt collector ( XXXX XXXX XXXX ) on XX/XX/2018 for a debt owed ( XXXX ) to XXXX XXXX Payments. Basically there was a fraudulent purchase made by an individual using a XXXX XXXX account, in my name. I do not shop at XXXX and I have never opened this checking account through XXXX XXXX, so this must have been due to my identity being stolen last year, which is why I have a security freeze on my credit. I am working with XXXX currently in a dispute over the debt ; however they keep asking for more information than is required ( current bank information etc. ) and other sensitive information that makes them seem illegitimate. I have contacted XXXX many times, only to be given information that the case is being worked on, and there has been no status. The last time I contacted XXXX, they needed to open a " new '' case as they seemed to have lost my information. At this point, I am confident that this issue wont be resolved unless, they perform a charge off, and I take them to court as they are NOT able to validate this debt with my information, and in violation of Federal law. I will open a police report as well, as this organization and this debt are both fraudulent. XXXX XXXX XXXX Reference # XXXX Case : ID : XXXX
06/09/2017	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Confusing or missing disclosures	MA 01905	Web
I started a lease on XXXX XXXX with FirstData fo r XXXX credit card processing machines. Their agent did not mention to me that the machines were leased for 48 months and the lease was absolutely not cancelable. I tried to cancel the lease with FirstData after only a few weeks after signing the lease. The representative told me he will get it done but never was able to do it. The total cost of the lease was about {$4000.00}, for a business that never started. It was very unfair that the representative knew that i only got XXXX of their products because it was a new business and i wanted to try them out and i clearly mentioned that i might cancel them if i do n't need them. It seemed the reparative knew my intentions to possibly cancel them within a shorter time period but had not said anything to me. I called many times to FirstData to resolve this, but the only reply was that it was in the contract. I asked for the contract m any times but never ever have seen the copy that i requested. Please read the fine print, seems like these days salespeople have no ethical obligation. I also contacted the branch manager at XXXX a number of times since first data was in his branch. It was all talk but nothing got resolved.
10/22/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33803	Web	Older American
XX/XX/2019 someone bought {$870.00} merchandise in electronics dept. in XXXX in XXXX, fl store # XXXX at XXXX XXXX. I was at work at XXXX XXXX XXXX in XXXX, Fl. they produced an old drivers license of mine from fla and my checking acct, number, Check number # XXXX was a number way higher than what bank had issued me. I have never lost my checking acct.or drivers license. .It caused an overdraft to me. XXXX XXXX XXXX contacted me - we closed checking, savings debit card. and made fraud report. I contacted XXXX AND FILED FRAUD REPORT.- Reort # XXXX ID # XXXX, I contacted XXXX Police dept. and filed fraud report -- report # XXXX. XXXX told me that was an expired drivers license number and old name on it. All the paper work was sent to XXXX. in XXXX. They issued me a report back from there fraud Dept. One month later, I get Bill from TRS Recovery service - Telecheck wanting this $ $ money owed plus {$25.00} fee and stating me I would be put on bad list till this is resolved. Talked to them on phone -proven this was not me. I shouldn't never been sent to them for collection, - I also reported to all 3 credit bureaus and a freeze on my reports. I want this taken off my credit report - i do not owe any money to anyone this was fraud
10/04/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	TX 77095	Web
We had recently signed up with First Data to process credit cards. On XXXX/XXXX/16 we ran XXXX transactions totaling {$25000.00}. After a week, the money was still not debited to our bank account. I called customer service who directed me to risk management. After several days of calling and leaving messages, I reached XXXX who said they had closed our account because the phone number she had for us did n't work. She said they could not re-open our account and the money was in a holding account. I asked how we could get the money out of the holding account, and she finally said she would refund the money to the customers. After a week went by and the customers had not received refunds, I started trying to reach XXXX again ( as well as her manager ). On XXXX XXXX she finally called me back and told me the computer would n't let her refund the money, so she was going to try to process it through to us, but she needed copies of the invoices with the customer contact information to do so. I emailed them to her that same day along with a request to acknowledge receipt of them. I have not heard back from her since, despite leaving messages with XXXX and her manager nearly every day since then. They are still holding the money.
06/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70810	Web
I received a debt collection letter from TRS Recovery Services at an address where I am building a home. This is not my current address and the bill is not mine. The notice is for an Unpaid Electronic Fund Transfer from XXXX XXXX XXXX and the creditor is XXXX. The amount is {$11.00} plus a returned check fee of {$25.00} for a total of {$36.00}. The reference number is XXXX. When I contacted TRS, they would not discuss the account or how I was referred to them. They simply sent me to their website to submit a dispute. The person I was talking to only had two months on the job and did not know much. I asked to speak to a supervisor and he said the supervisor told me to go to the website. He then gave me a number for XXXX. I called XXXX and spoke to XXXX, ID # XXXX. He was completely unhelpful and told me to call XXXX. This is very circular and nobody is willing to provide information on the false debt claim. The person I spoke with at TRS was XXXX XXXX. They are obviously trying to collect on an amount owed by someone else. TRS asked if I can be reached by the number on file and it is a number from New York. I live in XXXX. I need them to remove this from my record and not have this associated with me in any way.
11/20/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NM 87114	Web
I received a first notice in XXXX for payment of {$3100.00} from TRS Recovery Services, SM stated that on XX/XX/XXXX at XXXX XXXX that I had written a check to XXXX XXXX XXXX XXXX in XXXX , NM XXXX. Apparently, the check was not cleared and they want me to pay back. In the first notice, my last name was incorrectly spelled. I have contacted XXXX XXXX XXXX on XX/XX/XXXX at XXXX and spoke with XXXX ( declined to say last name ) who confirmed that they have no record of my check written to XXXX XXXX and she referred me to XXXX XXXX at XXXX. I called XXXX XXXX who kept asking me for my name, SSN # and date of Birth in order to check her file. I also called back TRS Recovery Services at XXXX or XXXX and thereafter I spoke to them, they asked for the correct spelling of my last name. I received a 2nd notice from TRS Recovery services asking for copy of my bank statement and checking acct #. I checked with my bank officer who stated that that check never hit my acct and acct # on that statement is not my acct. I have requested a copy of the check from TRS recovery and have not received yet. I live in XXXX, NM and was at work on XX/XX/XXXX and signature on check is not mine. Thank you for your help. Please help/
04/19/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 76131	Web
I had written a check on X/XX/2017 an account that is not used frequently. This check was returned and I received no notices advising that it was returned nor was it reported t o TELECHECK. When atte mpting to make a payment for daycare, my payment was rejected by TELECHECKand no reason was given. After discovering this, I was advised to call TRS Recover Services to get further information. Upon Calling them, I was advised they were a division o f TELECHECK and th ey want to collect on the debt that they paid on my behalf. Having to get this cleared, I advised them to I would pay at that time ( X/X/2017 ) t o get everything straightened out. They advised that the check will be redeposited that night and there was nothing I could do. I ensured that the funds would be available and the check cleared on X/XX/2017 . Thinking that my ability to write a check would be restored in time to make by daycare payment, it was again denied due to the fla g in TELECHECK. I c alled TRS and they advised that it takes 14 days for the payment to post even though they have recieved my funds. This delay has adversely effected my ability to use checks and inconvenience of having to pay cash or money order for bills.
11/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MO 640XX	Web	Servicemember
On XX/XX/XXXX XXXX XXXX XXXX was paid {$200.00} by XXXX XXXX XXXX XXXX from my banking account. XXXX states they have no proof of that transaction. I contacted XXXX XXXX XXXX XXXX which faxed a bank Affidavit which contained the date the check was paid. The Affidavit was faxed to the fax number provided by XXXX. Despite the Affidavit, XXXX has instructed me to send them a copy of my bank statement. I refuse to send my bank statement to the XXXX because it would be an invasion of my privacy. According to the Federal Trade Commission XXXX can request proof of payment which my bank has provided. I received a letter from XXXX dated XX/XX/XXXX stating my dispute appears to be invalid. I have failed a lawsuit against XXXX and will appear in court on XX/XX/XXXX. Upon conducting an online search with regards to XXXX, it appears XXXX has received consumer complaints alleging violations of the Fair Debt Collections Practices Act ( FDCPA ), including making false and misleading statements in an effort to collect a debt and failing to verify debts. In XXXX, XXXX XXXX XXXX XXXX XXXX. agreed to pay {$3.00} million to settle Federal Trade Commission charges that they violated the Fair Credit Reporting Act ( FCRA ).
11/27/2017	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 32811	Web
I have been dealing with a bank called XXXX XXXX which is through my school, XXXX XXXX XXXX. Someone got my card number and pin number and used it. I called the bank and advised of the fraud. I sent the paper work they sent me but before they received anything from me ( because I was told by the bank my paper work was Never received ) they denied the claim. I sent an appeal letter and is been a month no one has contacted me. I have been told many times someone from the fraud department will call me. I finally did receive a call where as soon as I picked up the call disconnected. The second call someone name XXXX leaves a phone number and a extension XXXX XXXX. I was able to call and leave a message. When I called again suddenly the extension is invalid. I called the bank today spoke with a supervisor who told me Fraud Department has recently changed how they handle disputes.Suddenly they no longer take calls, all calls are handle through the Escalations Department. I was told this is a recent change. All they will tell me is whatever is on the account they will let me know when I call of any updates or they will send something in the mail. It has been over a month of course there has been no updates.
11/30/2018	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	NY 117XX	Web	Older American
First Data ( FDR ) Potential Fraud Our Company XXXX, ran a Company Visa Card from our customer XXXX XXXX for training and consulting services which have already began. The XXXX XXXX Visa Card was run on XXXX XXXX XXXX XXXX at XXXX, and was successfully batched for {$9900.00} and sent the Credit Card Processor First Data- ( FDR ) the proper information to fund the XXXX XXXX Account XXXX I have been in contact with XXXX since I need the funds to make pay roll. I have called FDR Risk Management over 15 times and sent emails with the information they required. I have only received 1 call back after I tried to contact the First Data CEO ( XXXX XXXX ) from an XXXX in Risk Management ( XXXX ) and she wanted me to send numerous documents and even XXXX Bank Statements. I complied with her request have left 5 messages and still have no response and no resolution. XXXX said the First Data " holds funds '' in case there maybe a charge back from the customer. I said you hit my customers Visa Card on XX/XX/XXXX so where are the funds? I asked her how many others are they " holding '' processed funds, I said it could be millions of dollars and she did not respond. The XXXX Merchant Account is XXXX.
07/15/2015	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	MA 024XX	Web
I received a rebate check in the mail from my payroll company ADP on behalf of my Health Insurance company, XXXX, for {$79.00} dated XXXX/XXXX/2014, this was money due to me under the MLR provision of the XXXX. I recently found the check and was going to cash it but noticed it said it expired in XXXX days so was no longer valid. I only found the check last week as it was stuck inside a flyer I rec 'd in the mail that I had set aside and just opened. Since ALL of my transactions with ADP ( who is the XXXX XXXX XXXX XXXX XXXX XXXX direct deposit, I do not normally receive checks from them. I called ADP to ask for a replacement check I could deposit and they said " No. '' that if I did n't cash it within XXXX days they were under no obligation to pay it. I asked them if this was legal and they said yes, it was entirely up to them whether they paid me or not and that by not cashing within XXXX days I was not entitled to the rebate. This does not seem right, nor legal. After all they owe me the money because I overpaid them under a provision of the XXXX regarding MLR, so I do n't understand how they can now legally claim they are under no obligation to rebate me the money. Please advise.
02/09/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92627	Web
In and around XX/XX/XXXX of 2020 I received a television as an annonomys gift, I figured it was from one of my vendors from work. shortly thereafter I realize my account with XXXX XXXX is in suspense. I wasn't sure why, then I receive documentation from a company called telecheck telling me I owe two separate amounts, one for {$650.00} ad one for XXXX. I called XXXX and they told me that they do not know anything about this and I have to call the collector, I called the collector and they said they cant give me any information but asked for my banking information and then to fax my account and routing number to them. I have no idea who tele check is and I asked them to please send me more information and they refused. I am thinking I have identity theft but I do not wasn't to g through the trouble to freeze everything until I verify, I have had theft in the past but not through XXXX, the person I spoke with would not give me an employee ID number, there is also an address on my XXXX XXXX account that is not tied to me or anywhere I have ever resided, I have no idea why its on the account I asked them to remove and they said they are investigating, I can not remove through the website
06/04/2015	Yes	Other financial service Check cashing	Excessive fees	TX 77550	Web
My complaint is about TeleChek. I had occasion to visit my local urgent care clinic and since I had left my purse at a local restaurant I grabbed an old checkbook out of a drawer. When the bank notified me of my mistake I went back to the urgent care clinic and wrote them another check. I later learned that TeleChek was refusing to authorize my check and was told to contact them. When I told them what happened they demanded {$30.00} before they would authorize any more checks and also collected ( again ) the fee for the urgent care center, which I had already paid to the urgent care center. I tried to explain but was told either I pay or I can never cash another check again. When I asked for a supervisor I was told non available. I wrote telecheck and complained, asked what government agency was responsible for them and they told me the wrong agency. I finally found out the right agency, wrote to them, no answer. I feel like I have been blackmailed. I never contracted with Telechek. They are not my bank. I do n't understand what right they have to fine me for making a mistake except that they have the power to deny me ever being able to cash another check. Thanks for listening.
06/20/2019	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	AZ 85008	Web
On XX/XX/2019 by XXXX by XXXX XXXX from XXXX ( a First Data Corporation owned company ). I was contacted about debt which is owed by my employer on XX/XX/2019 I was contacted at XXXX XXXX by XXXX at which time I expressed that I did not wish to be contacted again about this debt, and I asked for all calls to be made to my employer. I also expressed that I did not appreciate being contacted before XXXX. on XX/XX/2019 I was sent a text message from XXXX at XXXX XXXX asking for a call back. on XX/XX/2019 I was called by XXXX XXXX XXXX, I rejected the call. XXXX I was called at by XXXX XXXX XXXX, I rejected the call on XX/XX/2019 I was called at by XXXX XXXX XXXX, I rejected the call. on XX/XX/2019 I responded via text to XXXX that I did not wish to be contacted before XXXX. on XX/XX/2019 XXXX responded back at XXXX XXXX, " my appologies ; I will make sure not to call before XXXX moving forward. on XX/XX/2019 I was called at XXXX XXXX by XXXX, I rejected the call on XX/XX/2019 I was called at XXXX XXXX by XXXX, I rejected the call on XX/XX/2019 I was called at XXXX XXXX by XXXX, I rejected the call on XX/XX/2019 I was called at XXXX XXXX by XXXX, I rejected the call
08/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75025	Web
My bank account at XXXX was hacked the end of XX/XX/XXXX and a fraudulent ( electronic ) check was written to XXXX for {$280.00} for check XXXX ( which I never issued ). I instantly went to my bank and account was closed. I got confirmation from XXXX that it was fraud. The end of XXXX I got a Notice from TRS Recovery Services that they were going to collect my XXXX debt ( + fees ). I contacted them and per their request I printed an Forgery/Identity theft Affidavit from TRS and had it notarized by my bank. The package ( affidavit, note from TRS and prove from my bank ) was faxed on XXXX. Fax receipt by TRS was confirmed. I called today XX/XX/XXXX multiple times to ask the status and they claim they have n't received anything from me. Phones are disconnected, or are terrible quality. Additionally they mentioned that there was another case pending for {$190.00} for which I had not received a notice from them. This was a fake check with a fake name and DL from a non-XXXX bank ( XXXX XXXX, I think ) but with my bank account / routing. Very clearly fraud. Also here the bank re-imbursed me and held me not liable. How can they loose evidence sent to them by ( confirmed ) fax )?
11/28/2017	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CO 802XX	Web
On XXXX XXXX, XXXX I received a Notice of Unpaid Electronic Fund Transfer from XXXX XXXX XXXX stating that XXXX received a check in the amount of {$14.00} which was returned as account was closed. This check was issued by XXXX Bank, XXXX, Ohio. I have never had a bank account with XXXX nor have I purchased any item from XXXX. XXXX confirmed ( e-mail attached ) that I do not owe them any money nor do I have an account with them. I filed per XXXX XXXX request a forgery claim report on XXXX XXXX. I also filed a police report copy of which follows. I have followed all the steps listed on the police report. On XXXX XXXX a letter was sent to me by XXXX, XXXX XXXX. I have tried to contact the telephone number listed on their letter and a recording stated this number was no longer in effect. When I called the new telephone number, I could not speak to a person. I also called XXXX for the XXXX time today, XXXX XXXX, and was told they do have a bank account with the number listed by XXXX but it is NOT in my name. They refused to send me a letter stating that this is NOT my account even though the Federal Trade Commission indicated this to be one of the things I should obtain.
09/10/2019	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	VA 230XX	Web
XX/XX/2019 I went to withdraw money off my work card and the atm declined, so I logged into my account and saw that XXXX took {$570.00} off my card which was unauthorized, I have XXXX as a carrier. I contacted XXXX and got nowhere, so I decided to contact XXXX XXXX and they sent a new card XX/XX/2019 and a dispute form. I did everything they told me to do I emailed the forms back Friday XX/XX/2019 at XXXX have been calling them everyday to check on updates and kept getting the same answer we are still processing your claim. So I called Tuesday XX/XX/2019 and they said they needed additional so 10 minutes later I wrote up a letter stating what happened. Later that day between XXXX and XXXX I contacted them again to get updates on the letter I sent earlier that day and they said my investigation was closed the last night the night of XX/XX/2019, nobody told me that I just proceeded to continue to send in documents they asked for every time I called and they told me I would have to wait for a letter in the mail to appeal. One associate told me I would receive my credit on day 10 which was a lie because XX/XX/2019 is day 11 and they closed my case.
01/28/2016	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	WA 992XX	Web	Older American
In XXXX, 2015, without giving notice and without authorization or approval, First Data Global Leasing withdrew {$990.00} from my checking account for a contract debt which does not exist. I had owned a business, XXXX XXXX XXXX XXXX, and had leased credit card terminal equipment from FDGL.. During this time, FDGL had access to the said account for payment of the leased equipment. Upon the business 's sale 5 years ago, they were notified of the business closing and the equipment was returned to them. I kept the checking account as my personal account. After the sale, I retired and have lived solely on my Social Security automatic deposits. Their withdrawal of the funds caused the account to be overdrawn which took 2 months to get back in the black. So, first, I do not believe I owe them any money having no contract to prove or disapprove this and second, it should not be legal for the way they withdrew money from my account. Also, it has been impossible to make contact with anyone at FDGL and no one returns calls. I am sure they have handled other businesses similarly. My living on a fixed income only made this act more unscrupulous and tragic.
02/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33063	Web
I have received 2 debt collection agency letters for different dollar amounts for a company I have NEVER shopped in. I have NEVER joined a XXXX 's XXXX XXXX, I have NEVER purchased materials at a XXXX 's XXXX XXXX, and I have NEVER even set foot in a XXXX XXXX XXXX XXXX. Due to these 3 conditions, I assume that the so-called debt collection agency and these letters are scam attempts to gain access to my credit. I have called the company and attempted to file a dispute and was directed to their website. Their website system for disputes asks for a LOT of personally identifiable information such as bank account name, routing numbers, account numbers, SSN, and DL # s. When I attempted to submit a dispute form without this information, the submission " failed ''. I printed out their PDF for claim disputes and will mail it to them. Specific Information regarding this false debt : Debt Collection Agency Information TRS Recovery Services Inc XXXX XXXX XXXX XXXX XXXX, CA XXXX-XXXX Phone Number given to inquire about these debts : XXXX A second address given to reference debt ... XXXX XXXX XXXX XXXX XXXX, GA XXXX Another number given is XXXX
08/11/2015	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	MA 023XX	Web
TeleCheck is declining my checks for even the smallest transactions. XX/XX/XXXX at XXXX in the amount of XXXX at XXXX XXXX XXXX. The reason they say is insufficient history and will not guarantee any checks will be processed. As I am awaiting my debit cards in the mail, XXXX days, I have no other form of payment and this company is unjustly holding my money hostage. I have good credit, own XXXX homes and have a significant balance in my checking account. Therefore, I have good credit history and should not have checks declined for {$69.00} and is completely embarrassing to approach a check out with a carriage full of groceries and be declined! In researching, the issue numerous people are complaining about these same issues and something needs to be done. I see TeleCheck was fined XXXX in XX/XX/XXXX for this same issue and they have not improved. Either they need to get their act together or be subject to additional penalties and/or taken over by a competent organization. If reasonable resolution can not be found with this company I will also be contacting my lawyer to seek punitive damages as well as contacting my senator.
11/30/2018	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	GA 30315	Web
I was issued a XXXX XXXX card from my employer. I have the application on my phone to keep track of my funds. On XX/XX/2018 I checked the app and noticed a substantial amount of money was missing from my account ( {$2100.00} ) .My card was never lost or stolen so I was confused. I immediately called the bank and was told I would receive a dispute form and new card within 5 business days. New card came and dispute form never came. After my 3rd attempt calling, I was giving an email address to send my dispute to. I emailed it on XX/XX/2018. Dispute form came in the mail after I sent my email. Dispute form says my card was lost and not in my possession. That is inaccurate, my card was never lost and remained in my possession. Between XX/XX/XXXX and XX/XX/XXXX someone was constantly checking my account several times accumulating {$42.00} just in ATM fees and withdrawing increments of {$300.00} seven times late night at an ATM. I called XXXX XXXX several times during the investigation and was giving no useful information about my account. On XX/XX/XXXX I received a letter denying my claim due to conflicting information given.
12/14/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MS 39503	Web
I received a letter from TRS Recovery Services XXXX Inc. saying that I owe {$420.00} for a bank overdraft fee at XXXX XXXX XXXX XXXX. I was sending TRS Recovery Services payment of {$30.00} once a month from XX/XX/XXXX-XX/XX/XXXX I send them a total of {$150.00}. I called XXXX XXXX XXXX XXXX and I talked with XXXX XXXX ( collection specialist XXXX ext. XXXX ) I was told that they have n't received any payment from TRS Recovery Services and that they no longer worked with this company. XXXX XXXX told me to send her a copies of my checks made to XXXX XXXX XXXX. I try calling this company several times and I was n't able to talk to a real person. I then send in a inquiry form to TRS Recovery Services about my account. They send me a letter saying my account was closed on XX/XX/XXXX and they are going to refund me {$55.00}. TRS Recovery Services owes me {$94.00}. I called XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX on XX/XX/XXXX to get an update and I was told I needed to get in contact with XXXX XXXX at TRS Recovery Services she is the one handle your account. I called XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX I did n't get anyone.
08/11/2017	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	VA 23236	Web
On XX/XX/XXXX two ATM withdrawals took place in another state in the amount of {$200.00} and {$160.00}. My card was in my possession. I was also charged six ATM withdrawal fees in the amount of {$2.00}. Two of them were declined fees. I called the XXXX on the back of my ATM/XXXX card on XX/XX/XXXX at XXXX in the XXXX. My card was cancelled and I was credited the ATM withdrawal fees. I was given steps by the customer service agent to write a dispute letter with my personal information, debit/XXXX number with the two transactions in questions and fax at ( XXXX ) XXXX. Once they receive the fax someone from the fraud department will call me, and they will also credit the unauthorized funds. I was also given the intructions to call periodically. Since then I have submitted 2nd dispute letter. I have a called every single day, multiple times with no resolution or concerned. Today XX/XX/XXXX I called twice and the first call the customer service agent hung up and the 2nd agent could n't hear me and disconnected the call. XXXX XXXX/XXXX XXXX XXXX is who I have had an account for the past six hears. Please advise. Thank you.
03/23/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	SC 29708	Web
I have submitted an identity theft report IE police report and I have given them an affidavit and I have identified the fraudulent items and I have provided appropriate proof of my identity which meets all the sections of 605b of the Fair Credit Reporting Act to have TeleCheck remove the items within 4 business days of my reporting this. I 'm going to include these items to Telecheck once again in this complaint and they will see that regardless of the time frame the law does not allow them to not block the items if I meet those XXXX sections. They are not blocking others because they claim the company has verified it and all they 're doing is saying it was me when I 've already proven in court that it was not me. XXXX is not reporting this information anymore and neither is XXXX they need to remove these items from their records permanently because they are fraudulent. When they respond they do not answer my claims they give a garbage explanation of how they break the law and I 'm saying they need to stop breaking the law and they need to comply with the law and I 'm going to include a copy of that in this complaint.
07/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	MA 015XX	Web	Older American
TeleCheck doing business as TRS RECOVERY SERVICES, INC attempted to collect money for the following fraudulent charges. I am disputing fraudulent charges using my name for checks written from XXXX in the amount of {$25.00} and a return check fee of {$25.00} to XXXX XXXX dated XXXX XXXX, 2014 Reference Number XXXX for a total of {$50.00}. I am disputing fraudulent charges using my name for checks written from XXXX in the amount of {$25.00} and a return check fee of {$25.00} to XXXX XXXX dated XXXX XXXX, 2014 Reference Number XXXX for a total of {$50.00}. I am disputing fraudulent charges using my name for checks written from XXXX in the amount of {$33.00} and a return check fee of {$25.00} to XXXX XXXX dated XXXX XXXX, 2014 Reference Number XXXX for a total of {$58.00}. I am disputing fraudulent charges using my name, for checks written from XXXX in the amount of {$23.00} and a return check fee of {$25.00} to XXXX XXXX dated XXXX, 2014 Reference Number XXXX for a total of {$48.00}. I called XXXX the bank where the the checks would have been issued from and there was no record of a checking account in my name.
12/29/2019	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	MA 021XX	Web
We opened an account at First Data, with a merchant account and XXXX XXXX since XX/XX/2019. The service enable us to charge customers payment for delivery service. The account works properly until XX/XX/2019. Since we are a startup, at start, the cash flow into XXXX account is small and we are able to redeem the money from XXXX account to our bank account. However, since with the growing of the business, the cash flow becomes larger, and then we are unable to redeem the money from XXXX account. We didn't notice until XX/XX/2019. they close the whole account without any notice! We have been trying to call the customer service several times. They only give an answer that this is due the security reason that close our account and reject to do further assistance. The customer service says they can't help us and transfer us to security department. However, the security department never pickup call! Their voice mail say they will call back between 24 to 48 hours!!! But we NEVER got their call!!! Now, XXXX has been freeze more than XXXX dollar in the account and reject to answer any questions and disappear!
08/27/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92648	Web
On XX/XX/2019, I received three letters claiming I owe money from cashed checks at XXXX and XXXX located in XXXX, MI. I responded with a request for debt validation and cease and desist request on XX/XX/2019 sent through certified mail with return receipt. On XX/XX/2019, I received a response with copy of receipts and no proof of right to collect debt or any information tying me to the debt. The information provided does not prove that this is a valid debt or that i am responsible for it. The company continues to harass myself asking for my bank information, driver license, and other personal information. I refuse to provide any personal information and believe they are committing fraudulent activities. I do not owe this debt, there is nothing tying to this debt, and I have never been in the location they claim the check was written and cashed. I have called my banks to verify if there has been any fraudulent activity from a checking perspective and none has been noted. There is no record of me trying to purchase anything at these location and there is proof I was not there during the time of dispute.
01/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	TX 75078	Web
I tried to right a check at the grocery store after banking with XXXX for 5 plus years and frequently writing checks. My check was declined, I was told to contact Telecheck. I contacted telecheck and they advised derogatory information was reporting from a XXXX XXXX acct. I have never had a XXXX acct and explained this several times. They continue to read from a script with no resolution. Several times they asked for the XXXX acct that I had explained several times, I had no business with XXXX. Telecheck referred me to XXXX after sitting in the branch ( 2.5 ) hours XXXX verified I had no debt with them and also advised because I had no account, there was not a letter they could provide me. I called Telecheck advised them of this and requested a supervisor, after being on hold for upwards of 10 mins multiple times hey returned and stated they had no supervisor available. I have explained how their unfair business practice is causing a hardship on my family and may also negatively impact my employment. They refuse to rectify or fix this erroneous information. I need assitance with getting this fixed.
05/04/2018	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Unexpected or other fees	FL 335XX	Web
on XX/XX/XXXX, I went to the XXXX XXXX XXXX in XXXX, for a ELECTRONIC FUNDS TRANSFER. There was NEVER, A Check, I was already in there, XXXX XXXX, so I did not need one.. MY Bank had SUFFICIENT FUNDS @ the time of this ELECTRONIC TRANSFER.ONE WEEK later ( TRS ) XXXX XXXX/tel-chek. sent me a notice saying, I did not have funds in this account. I have back records to PROVE THERE WAS.!! This should have been cleared in XX/XX/XXXX. I go to cash a check from a different bank XX/XX/XXXX and they said no. I SAID WHAT.. ( TRS ) Tel-check only have P.O. box # s The are owned by first Data who have OFF SHORE ACCOUNTS with ALL of AMERICANS MONEY. WHY would they need to do that??? CROOKS. If they want XXXX, XXXX to get the real people on them,, they need to CLOSE, this account and CLEAR MY NAME.IT 's not XXXX XXXX 'S JOB to do what a XXXX XXXX XXXX EMPLOYEE SHOULD have done. It's time to bring in my friends from XXXX XXXX XXXX XXXX. I will be more than happy to give ALL MY PROOF. NEVER take a check to XXXX XXXX XXXX in XXXX.. Give your money to people that DON'T Take MILLIONS a day from hard working people.
01/04/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	DE 197XX	Web
Hi Today out of the blue, I received a notification from a supposedly a bank called " XXXX XXXX ''. I did not apply for a card or knew about this company until recently. Notification that I have in front of me today, states that they mailed a welcome package, which I did not receive. When I called the customer service number today at XXXX, they are unable to locate by the account number on their letter. My daughter who is in a college received the same letter to her dorm address. She also did not apply for the card. I think this company is creating bogus accounts or letting fraudsters create account with stolen information. Please investigate. I have attached the letter that I received today. If it turns out to be fraud company, then I want them to be appropriately handled and published on your website. If it does create a valid accounts, then they need better customer letter approach as it is very deceiving and reading online, many folks have received this type of letter in the past. XXXX : XXXX Address of XXXX XXXX XXXX on the letter that I received is : XXXX XXXX XXXX, XXXX XXXX FL XXXX .
03/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 99223	Web	Older American
Mid XX/XX/XXXX checks were stolen from our financial advisors office. This account was closed on XX/XX/XXXX. XX/XX/XXXXmy credit union denied payment on a electric funds transfer to XXXX on XX/XX/XXXX for {$620.00} using the account number of stolen ( thus closed ) account and mailed me a notice. About 2 weeks later I received notice from XXXX XXXX XXXX that they were trying to collect a debt for XXXX store # XXXX. I sent them a letter explaining the situation and received a letter back asking for more documentation. I then found the location of XXXX # XXXX. It is in XXXX, WA, about a 2 hour drive from my home. I do not shop at XXXX at all and there are 3 or 4 in my area. I then called XXXX county law enforcement where XXXX is located. After taking my report they went to XXXX # XXXX to investigate. XXXX had no record of a purchase on the date of the EFT, nor for a for a few days prior or later. Law enforcement unable to reach TRS by phone but did see online comments about them for the same type of situation. Advised me not to communicate with them further as this is probably a scam.
06/12/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NC 28734	Web
Im in the process of cleaning up my XXXX credit report when I notice a negative account from First Data Merchant Services. I disputed the account with XXXX since I 've never been a business owner and never had an account with them. The dispute came back as " We verified that this item belongs to you '', and for me to contact First Data Merchant Services regarding the account. After 2 days of being shuffled around from Corporate customer service to their fraud department, back to customer service again, no one could help me resolve the problem. The fraud department sent me to a department to obtain the last XXXX digits of the account number because they are x 'd out on the credit report. When talking to this person, she indicated she could not obtain the last XXXX digits and did n't know why fraud protection thought she could. She searched the database using my name and no account came up with my name. She then told me that she does n't know what else to do since she had no way to obtain the last XXXX digits of the account number and searching resulted in no account using my name.
07/18/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 78641	Web	Servicemember
I received calls and letters from XXXX XXXX XXXX stating that four checks were written by me that were returned for STOP PAYMENT. I did not write these checks to XXXX XXXX XXXX. and nor do I live or shop in the city of this store. Additionally, the name used on these fraudulent checks is not my legal name. I have responded in writing and sent certified mail to XXXX. They continue to harass me with ongoing letters demanding payment in full. Here are the details of these fraudulent checks : Date : XX/XX/2018 Merchant : XXXX XXXX XXXX Current Creditor : TeleCheck Amount : {$820.00} Reference # XXXX Date : XX/XX/2018 Merchant : XXXX XXXX XXXX Current Creditor : TeleCheck Amount : {$980.00} Reference # XXXX Date : XX/XX/2018 Merchant : XXXX XXXX XXXX Current Creditor : TeleCheck Amount : {$1500.00} Reference # XXXX Date : XX/XX/2018 Merchant : XXXX XXXX XXXX Current Creditor : TeleCheck Amount : {$1200.00} Reference # XXXX Note - I have filed a police report and contacted the credit bureaus about this matter. Any assistance that can be provided is greatly appreciated.
08/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	OH 45414	Web	Older American, Servicemember
I was a XXXX with a friend who bought a XXXX. in that process he opened XXXX XXXX and needed merchant service accounts ( servicing all the credit card trasnsactions ) at all XXXX locations. I had to sign the merchant service agreements for all XXXX locations for a five yr term as his credit was n't good enough at the time. After 2 years all the stores had failed. The Merchant service company -First Data wanted me to pay for the {$540.00} a month for each store after they were closed for the remaining 3 years. I offered to send them back their equipment and told they are no longer offering any service. They wanted a settlement figuire for a substantial amount. I was trying to work out some arrangement with them so I offered a {$100.00} a month for as long as they wanted the payments to be made. They wanted some lump sum settlement and then they filed on my credit report that it was " Bad debt & placed for collection & skip ''. This is what is reported under XXXX. XXXX shows it as " Charged off as bad debt ''. It has caused my credit score to drop seriously.
02/28/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 773XX	Web	Servicemember
Received letter dated XX/XX/XXXX on XX/XX/XXXX. Called regarding and business closed on XX/XX/XXXX. XXXX XXXX XXXX called XX/XX/XXXX and provided incorrect information on debt. They called again on XX/XX/XXXX and harassed us about payment. Informed them I need to determine the debt. Contacted original service provider on XX/XX/XXXX and he was unaware. Did a three way call with service provider and XXXX and found out need to do research to determine if service provider was paid through Telecheck. Was informed would not be bothered by XXXX until we had time to verify debt. Received harassing call from XXXX 2 hours later about debt. Original debt was with XXXX XXXX XXXX which was paid on XX/XX/XXXX. XXXX XXXX XXXX used Telecheck to process the check. Telecheck claims paid XXXX XXXX XXXX immediately. No contact from Telecheck about problem reading the electronic form of check until XX/XX/XXXX. Was informed debt was transferred to Telecheck and they are using XXXX XXXX XXXX to obtain payment. XXXX XXXX unaware of being paid by Telecheck for this amount.
02/09/2017	Yes	Prepaid card Other special purpose card	Fraud or scam	IN 46221	Web	Older American, Servicemember
Money NEt work, First Data, was given my money by XXXX XXXX, based in Texas ( child support ) when i received the second card as first expired ... Iwas not able to activate. They verified all my information but said they needed a picture id. i faxed and mailed the picture Id Each time they said it was not legible. So for 18 months i have not been able to access my money. There is over XXXX, and they are taking monthly fees out. I do not know what the amount is that is on the card, and XXXX will not help me. I have sent letters certified and have gotten them back unsighed and un opened. undelievered. They are located in XXXX, and XXXX locations are in XXXX. The post office consumer affairs have tried to help but to no avail. I have employed a lawyer but that has illicited no response. In addition, I have filed a complaint with FTC, and compliants with the BBB in XXXX states. I have kept copies of all the correcspondence, receipts, etc and notes. I would like your assistance in this matter to get the full amount which would include the monthly fees. thanks.
02/28/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 773XX	Web	Servicemember
Received letter dated XX/XX/XXXX on XX/XX/XXXX. Called regarding and business closed on XX/XX/XXXX. XXXX XXXX XXXX called XX/XX/XXXX and provided incorrect information on debt. They called again on XX/XX/XXXX and harassed us about payment. Informed them I need to determine the debt. Contacted original service provider on XX/XX/XXXX and he was unaware. Did a three way call with service provider and XXXX and found out need to do research to determine if service provider was paid through Telecheck. Was informed would not be bothered by XXXX until we had time to verify debt. Received harassing call from XXXX 2 hours later about debt. Original debt was with XXXX XXXX XXXX which was paid on XX/XX/XXXX. XXXX XXXX XXXX used Telecheck to process the check. Telecheck claims paid XXXX XXXX XXXX immediately. No contact from Telecheck about problem reading the electronic form of check until XX/XX/XXXX. Was informed debt was transferred to Telecheck and they are using XXXX XXXX XXXX to obtain payment. XXXX XXXX unaware of being paid by Telecheck for this amount.
04/03/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85281	Web
I received a phone call from a collection agency ( not sure what the name was since it was early in the morning ) saying I had written a check for {$1500.00} to XXXX XXXX XXXX in XXXX and it bounced and they were attempting to collect the {$1500.00} that bounced. I never gamble, I never go to the Casino, and since this is XX/XX/XXXX, I never write checks. I asked for evidence and hung up the phone. I get a letter in the mail from XXXX XXXX XXXX XXXX XXXX saying I wrote the check XX/XX/XXXX ( I was at work that day ), check XXXX ( my checks don't even have that number sequence on them ). The letter has 3 different addresses on them, a Corporate Office in XXXX XXXX with a zip code of XXXX, a processing center in the same city but zip code XXXX, and an address in XXXX ( XXXXXXXX XXXX XXXX, XXXX ). When I look at their website ( XXXX ), it's asking for my bank account information, social security number, address, phone number, etc. I look up this company on XXXX and everyone is reporting this company who tries to collect on bogus debts is a scam.
03/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 75701	Web
Explaining ' a ( XX/XX/XXXX - XX/XX/XXXX ) Request ' for a Telecheck File Report, A Specialty Reporting Agency in the Collecting and Selling of Personal Information for the use in Credit Determination. Telecheck does not provide " full disclosure '' of the File Report ( # XXXX ) for the Dispute or Correct in an understanding of Pinpoint Service Errors of the Contributor ' : XXXXXXXX XXXX XXXX XXXX XXXX ', the Importances for Represented Elements received from XXXX XXXX XXXX, In an Evaluation of Review ' of an Effective Communication with XXXX and Myself since, XXXX of XXXX. Evaluations ' of the Continuing Escalating Concerns of XXXX XXXX ' _ Specialty Reporting Agency, in the Collecting and Selling of Information for the use in Credit Determination, An Evaluation of Allegiances and Alliances of Telecheck/FirstData that is ' of my XXXX XXXX XXXX XXXX ' Account, the Pinpoint Service Errors ' of the XXXX XXXX XXXXXXXX XXXX XXXX : Personal Banker ', the Escalated Concern of numerous Application Reporting ( s ) for a Simple ' Secured XXXX ' Approval.
11/27/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AL 356XX	Web	Servicemember
While making a return at XXXX, I was declined saying that I had " check ( s ) on file. '' I had to call XXXX XXXX XXXX at XXXX. I tried calling the number, but it was automated & could not get a person. It referred me to a website because I did not have a decline number. I could not get a decline number on the website and it was of no help. I XXXX the company and it is come sort of scam! People have had this problem with XXXX, XXXX XXXX, and XXXX ( who writes a check to XXXX? ). The people have gotten the run-around, additional charges added, etc. Unfortunately, I entered my routing number, account number, and driver 's license number on the website, though this scam was attached to my driver 's license number when entered at XXXX. I have called my bank and they have no record of me writing a check, but put a note on my account about this company. I have submitted reports to the XXXX XXXX XXXX and to the State Attorney General. I have faxed XXXX XXXX and asked for someone to contact me. Nothing yet. Says it could take 30 days for them to respond!
12/22/2017	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Managing, opening, or closing your mobile wallet account	GA 30144	Web
I am paid through my employer through a XXXX XXXX card. Last week they placed a hold on my account because they claimed I requested an upgrade on my account. I did not. On Tuesday they requested additional documentation to verify my identify which I provided to them on Tuesday. My account is still locked up on Friday, XXXX XXXX, XXXX and they will not unlock my account until the XXXX. This is a XXXX XXXX hold and request and despite numerous calls to the agency they keep telling me that I will be unable to access my funds. I am stuck at school ( XXXX georgia ) and can not get home for the holidays due to their placing a hold. I have called First Data Corporation the parent company of Money Network and each time they tell me it will be between 24-48 hours. I forwarded the information on XXXX XXXX, at XXXX. As of this time it has been 72 hours since providing the information. Their claim is they are waiting for an update. I can not go home and I have been removed from my dorm and am sleeping in my car awaiting their release of my funds.
10/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30331	Web
I have received two letters from a debt collector company requesting payment for two checks supposedly written on my bank account. The checks were allegedly written on two different dates to the same retail store at different locations. According to the letters, the electronic transactions could not be completed because I stopped payment payment on these checks. These letters did not contain bank routing numbers or the name of a bank for the alleged transactions. I immediately contacted my bank and had my account audited and researched for these alleged checks. To date, no checks with these check numbers or amounts have been submitted to my bank for payment. No stop payment charges have been deducted from my account. The debt collection company said I could dispute the charges by providing personal information such as the name of my bank, bank routing number, driver 's license number, etc. I feel this is a fraudulent scheme to obtain my personal information for probable unlawful purposes. The accusations are unfounded.
01/02/2018	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	MD 217XX	Web
On XX/XX/XXXX I noticed an unauthorized charge for {$60.00} something from XXXX. On XX/XX/XXXX two more charges were made at XXXX one for {$240.00} and the other was {$21.00}. I called XXXX/XXXX XXXX that same day and they said they would submit a dispute for me but that I should call XXXX to try and get more information. XXXX told me they had no information available. On XX/XX/XXXX there was another charge from XXXX for {$40.00}. I called XXXX again and they told me to call XXXX again. I did that and XXXX told me XXXX needs to handle this. I have submitted various disputes via email, fax and regular mail to XXXX yet they keep saying they never received my disputes. When I call XXXX, I am placed on hold for over 30 minutes and then when I get to a representative, they tell me the dispute department is disclosed. XXXX is also charging me fees for ATM withdraws that they tell me are free. I have asked for my account to be closed and they say they ca n't but that they will send me a new card yet I never get the new card.
02/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 953XX	Web	Older American
I wrote a check # XXXX to XXXX XXXX for {$20.00} in XXXX, Ca. They ran the check electronically ( Telecheck ) to get their money right then, but did not give me back the check. XXXX XXXX deposited the check through their bank. They got paid XXXX times. My bank reversed payment on the first electronically made payment. Now the check service has forwarded the debt to TRS Recovery Services, Inc for collection. TRS Recovery Services would like us to pay them for this again. They have called XXXX times before XXXX XXXX. My wife has talked to three different people at TRS about this and they still ca n't get it right. I have talked to XXXX XXXX, they said they would call ( Telecheck ) and take care of it. They have not done this at this time. Now this is going on my record that I wrote a bad check. Guess what? I 'm not buying from XXXX again! What can you do about this?? I have all the paper work from the Bank. I have forwarded this to the TRS Recovery Services. Fax # XXXX Can you give me any help on this? Thank you!!
11/16/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	PA 19320	Web	Older American
I had a dental practice which I terminated in XXXX 2014. XXXX Bank ( XXXX XXXX ) had set up a credit card swiper so patients could pay with their credit cards. When the practice was closed down, there was no need for their services any longer so I sent the swiper back to the leasing company, closed the account being used at the bank for automatic withdrawls, and thought that would be the end of it. Instead, the credit card processor used by the bank ( First Data Global Leasing of XXXX, Georgia ) has continued the harass me for the monthly payments even though they have been informed that there is no longer the business entity to make the payments. The lease was made out to the company name and was clearly a business lease and not used for personal use. My wife did not sign any of the documents but she is being effected by this constant harassment via telephone calls, mailings, etc.These people are loan sharks, plain and simple. I would hope that you can point out to them that their contract is now NULL and VOID.
04/04/2017	Yes	Bank account or service Checking account	Deposits and withdrawals	ME 044XX	Web
On XXXX XXXX I wrote out a check for a vehicle purchess and after receiving the vehicle I found out there was more wrong with it than I was told, so on XXXX XXXX 2017 I called my bank to cancel the check I wrote. I talked to my banks customer sevice and requested a check cancelation and the person told me my check was canceled and would not be able to be cashed and be back in my acoount in 3 to 5 days. After 3 to 5 days with no funds returned I called my bank again to find out what was going on to find out that they had cashed check and there was nothing I could do about it because I have no control of my own money. I had to call my bank 3 more times to get the paper work sent to me to file dispute. I faxed paper work in on XXXX XXXX after receiving it on XXXX XXXX 2017. They sent me a denial letter dated XXXX XXXX 2017 the same day I faxed paper work back to them. What right does my bank have to tell me what to do with my own money and how to use it after I was initally told my check was cancelled!!
07/04/2018	Yes	Credit card or prepaid card General-purpose prepaid card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	TN 38122	Web
On XX/XX/2018 at exactly XXXX XXXX I stopped at XXXX XXXX XXXX on XXXX XXXX in XXXX, TN XXXX. I purchased exactly {$10.00} in gas at the pump which turns out that FIRST DATA does the card processing for. Exactly 5 minutes later, FIRST DATA emptied the rest of my bank account without my permission or knowledge totaling {$39.00}. My debit card is issued through XXXX and when called, they said that they could not do anything about it. I contacted, or at least tried many times to contact all the misleading numbers for FIRST DATA and when i finally got an answer was told that they would contact the " right people. '' I have since contacted the XXXX about FIRST DATA and the negative reports that this company FIRST DATA has going back years is mind blowing! That fact that this company is allowed to ruin small businesses and flat out rip off citizens by the thousands and still be in business all these years is outstanding! The owner and the management should be behind bars for numerous felonies.
06/18/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX XXXXX	Web	Older American
I wrote Check # XXXX in the amount of {$280.00} on XX/XX/19 payable to XXXX XXXX for my XXXX. The employee took my check, ran it through the machine, but would not give me my check back. The other employee told her that it did not have VOID on it, so they had to retain the physical check. When checking my account, I discovered that the amount was electronically debited from my account on XX/XX/19, and then the check was run through my account on XX/XX/19. I filed the appropriate paperwork with my bank concerning the duplicate debits so that they would correct the error. I subsequently received a collection letter from TRS Recovery Services concerning the electronic transfer. I immediately wrote a letter to dispute the validity of the debt, dated XX/XX/2019. I have now received ANOTHER collection letter, threatening to begin contacting me by telephone & further collection action. I have called TRS Recovery Services to tell them that I am going to report their harassment to the proper authorities.
02/01/2017	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	NC 27703	Web
I process credit cards through XXXX 's club merchant services. I notices that my deposits we not matching in my bank account. I called more than 9 times speaking with different people. Merchant services informed me that my tax information did not match. I disagreed with this information. The government does not require you to have a EIN number. You can use your social security number as your EIN number. This is what I did. My business entity is registered under my name and doing business as XXXX They sent me to business checks to verify this information. It was a match and had never change. For thee months they took regular credit card fees and an additional 32 % from my bank deposit with out any notice. No reflection was made on the end of the month statement. So the only way I knew was by calling merchant services. I was told that I would not get my funds back except by income tax. This caused a hardship on my business and I have a copy of the results from the IRSthat my information matched
01/24/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08618	Web
Was never notified of this debt. Wasnt allowed to write a check on XX/XX/XXXX. When I first called I was told that there was no debt on file and my account with them was clear. They then came up with 3 checks they said needed to be paid and it would take days to clear before I could make any purchases. They are trying to collect on a debt from 7 years ago. The debt is not even on my credit report but they are denying my purchase. Originally they said I didnt owe them and there was no records saying I do. Then they kept transferring me to different people who had bad phone lines where I couldnt understand what they was saying then I was transferred to the XXXX where she did not speak clear and her phone line made it even more difficult to understand her. Each time the representative kept requesting payments for 3 checks that are 7 years old. I just wrote a check last week to one of the stores they claim I owe money to from XX/XX/XXXX. I got it verified and it went through with no problem.
06/18/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	IN 460XX	Web
I requested to have my account closed and funds returned to me via papercheck several months ago because I do n't use this prepaid card and lost it. Each month they continue to charge me a XXXX paper statement fee and XXXX for account maintainence fee. I 'm still have not received my money. Each time I call it takes XXXX minutes to talk to anyone. I finally waited the XXXX minutes in XXXX XXXX to get a live person. They told me they never received my request, that it was my responsibility to make sure they do their job ( please listen to that call, that statement was actually made ) and that not only do I have to resubmit my request in writing once again, but there was no guarantee that they would reimburse me for the fees. It was up to their " back office '' discretion. This company makes it all but impossible to deal with, in the meantime they keep my money hostage and deduct fees every month. They are unethical and I 'm sure they are taking advantage of thousands of kids just like me.
01/24/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08618	Web
Was never notified of this debt. Wasnt allowed to write a check on XX/XX/XXXX When I first called I was told that there was no debt on file and my account with them was clear. They then came up with 3 checks they said needed to be paid and it would take days to clear before I could make any purchases. They are trying to collect on a debt from 7 years ago. The debt is not even on my credit report but they are denying my purchase. Originally they said I didnt owe them and there was no records saying I do. Then they kept transferring me to different people who had bad phone lines where I couldnt understand what they was saying then I was transferred to the XXXX where she did not speak clear and her phone line made it even more difficult to understand her. Each time the representative kept requesting payments for 3 checks that are 7 years old. I just wrote a check last week to one of the stores they claim I owe money to from XX/XX/XXXX. I got it verified and it went through with no problem.
11/06/2019	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	GA 30228	Web
I notified money network card services of charges that were not mine they did an investigation and they informed me that the company for the charges gave my name and address. But when asked what name and address the company gave card services stated my name and my new address. But my new address was not my address when my card was used. So I sent two emails trying to get card services to revisit my case but I keep getting the run around. I spoke to several reps who said my email was recieved and I have to give the dispute department 90 days to make a decision but I can call every week for updates. OnXX/XX/2019 I was informed no emails have been recieved. So now they want me to submit another email but with all the false information how will I really know someone is working on my dispute for real. The card services also closed my case with their so called finding. I need to know that someone is looking into my request that I did not give permission to use my card for a purchase at XXXX.
10/28/2018	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble closing card	VA 23224	Web
I quit my pt job with XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX. Hired by XXXX, XXXX XXXX in XXXX. I never asked for a paycheck card. The company did this when I wanted to use my own account. I was told it charges alot of fees. Anyway when I quit last month, I asked where was my money. It was on XXXX XXXX XXXX XXXX XXXX XXXX. I got the money but in checking my balanced it said if you dont cancel fees would continue to be charged. So with XXXX left on my card, I called XXXX XXXX to ask XXXX and XXXX to cancel my card. They said they could not. Both sound foreign or something not right. My card number XXXX XXXX XXXX XXXX 3 digits on back XXXX XXXX email XXXX XXXX XXXX XXXX, XXXX va XXXX XXXX Why would XXXX provide these fraudulent cards to employees and tell you that you might not get all your money off the card. Online people have lost whole paychecks. so I'm lucky I got my money but why do they need to keep my card active. I dont work for XXXX anymore please advise. Thank you.
12/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NE 68134	Web
XXXX XXXX XXXX is falsely saying I wrote a bad check at a XXXX store # XXXX in XXXX, Georgia on XX/XX/2018 for {$230.00}. I have e-mailed them saying this is NOT me! I live in Nebraska and never even been to Georgia! They sent me a declarations page to sign ( included ) saying I didnt receive any benefits or value from the check. I signed it and sent it back. Now they sent me the same page to sign again and another page requesting my personal info ... ssn #, checking account info etc. Of course they wont be getting my personal info. This isnt an identity theft problem because no moneys have disappeared from my checking account. Instead I believe its a scam but, they wont go away. Ive read of others having the same problem with XXXX and it always begins with a supposed bad check written to an out of State XXXX. Ive included pictures of 2 letters they sent me and I have more but, if I can fax them to you it would be easier. Thanks. My case ID is XXXX and tracking number is XXXX
12/30/2016	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	NJ 074XX	Web	Servicemember
XXXX bank bounced out check to XXXX in XXXX 2016. XXXX uses TRS Recovery Services Inc to collect on all check issues.TRS has processed now twice a Pre Authorized Paymemt tbru our checking account now twice after sending us by mail a Letter for demand of the insufficient funds fee to be paid via credit card money order etc. TRS trying to collect the fee by numerous different ways seems like fraud to me along with this created document that the bank accepts as a preauthorized payment that we did not authorize. Furthermore the preauthorized document according to XXXX bank has numerous issues with it. Besides not being our check, having no signature or authorization on it, it is made payable to XXXX and TRS is not XXXX along with the coding number of this being a recurring charge for a membership. Lastly it was my understanding that by law no company can not collect more than the face value of a check via your checking account but this company seems to be legally doing that.
11/04/2018	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	VA XXXXX	Web
I talked with the manager @ XXXX, located @ XXXX XXXX XXXX XXXX, Virginia XXXX XXXX, round our about : XX/XX/2018.. because I was having trouble activating the new card they gave me for employment,.,, The manager called the corporate office and they told me to give them my physical address so they could release my funds,, so I gave the manager the information,, They next day I tried checking my balance online with XXXX and I was told that the email and passwords entered on my pay card did not match there records. and were not my emails.. so my card, had somebody elses email on them, I contacted XXXX corporate office,, and they said they might have given, me the wrong card. So the same day I tried checking my balance.. about XXXX XXXX and a $ XXXX transaction was made for a XXXX XXXX that was not mine,, so I called XXXX County sherifffs offci , officer badge # XXXX, and reported the identy theft,,, - and then I did a ftc.gov- report.-online for credit card theft
02/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92692	Web
XXXX, in relation to Telecheck, sent me a letter ( to my home address ), related to a purchase from an XXXX seller for XXXX. Apparently the EFT or check ( bearing check number XXXX ), was written on a closed account at XXXX XXXX XXXX XXXX. All they would tell me was that it was an account ending in XXXX. They refused to provide any further information. A call to that bank indicated no accounts existed in my name in the past 12 months -- they had no information on this account. XXXX asked for my License number and SSN, as well as other identifying information -- eventually they told me they required this information to investigate, though they refused to provide information to me about the account. For all I know they are a phishing scam hiding behind a collection business. I do not use use accounts like this to order online, I did not order form XXXX XX/XX/18 as alleged, and I can not investigate further. I have filed with the FTC regarding this issue.
04/12/2016	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NJ 087XX	Web	Servicemember
TRS Recovery Services Inc. notified my company of debt that does not exist : letter dated XXXX/XXXX/2016, reference number XXXX, Creditor listed : XXXX XXXX # XXXX, debt listed : {$60.00}. I contacted the creditor TRS indicated on their notice, and this creditor stated that they do not use this collection agency for any debt recovery. Furthermore, there is no outstanding debt with said creditor as our account with their stores is XXXX. Lastly, the store location that TRS was trying to collect from is located in XXXX, NE - over XXXX miles away from us. We believe this is not an error, and that this recovery service is engaging in fraudulent activity. This is supported by the fact that the creditor they referenced is NOT a customer of theirs, and therefore would not be using their services in the first place. It is further supported by the fact that we do not have a charge account with this retailer and could not even accrue any debt on our account.
12/03/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33175	Web
First data merchant keeps reporting an account that was open as an identity theft. I have made several phones call to them to let them know that this account doesnt belong to me. I have never owed a company or business, i have never signed any agrement with them. On XXXX I received an email from an employee named XXXX XXXX , telling me that in order for them to complete the investigation, I would have to send the dispute forms, copy of my driver license, and XXXX blank papers with my signature on it. I sent everything except the XXXX blanks papers because I told her that I didnt feel secure signing on blank sheets, but she insisted and told me that I was going to be responsible for the accounts if she didnt get them by the end of the month. I have copies of all these emails because I dont think its fair or legal for a company to ask a person to sign on a blank sheet and send it via email. I dont know what they will be using my signature for.
05/02/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	OR 97317	Web
My social security number was stolen back in XXXX and the federal government sent me a letter stating this in XXXX. Then this year I started to received phone calls from TRS recovery services stating that I owned on a payday loan, and I told TRS that my ssn was compromised back in XXXX and the agent did not care and stated that I had to pay the debt or else it will post to my credit as bad debt. I was then transferred to a supervisor and I explained the situation and that they had to file a fraud form and the supervisor stated that was not their job to do that. I stated that under federal regulation ( I used to work for XXXX consultants, a collection agency ) that they had to filed the form for fraud, and the supervisor stated that was not her job so I told the supervisor that I was going to file a complaint with the state and the better business bureau. The supervisor stated that they will still call until the debt has been collected.
05/27/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 212XX	Web
I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX claiming that I owe XXXX {$25.00} and an additional fee of {$25.00}. When I attempted to submit a dispute on their website with several different browsers, a " submission error '' was received. I dispute this charge because I did not make any purchase from XXXX or one of its merchants on the date in question ( XX/XX/XXXX ), I have not used handwritten cheques since XX/XX/XXXX ( and have not ordered any for my current account ) and have never had one numbered XXXX or anywhere near XXXX ( my chequebook was numbered from XXXX up ), I closed my original checking account on XX/XX/XXXX because I accidentally sent my financial information to a stranger online ( perhaps that is what this stems from ) and none of the accounts I use for online purchases show ANY attempted debit from XXXX on the XXXXXX/XX/XXXX, so please, correct your information. Thank you and may the XXXX be with you.
05/01/2018	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	OK 73110	Web
I use XXXX XXXX XXXX XXXX pay card for my payroll check and around XX/XX/2018 started seeing unauthorized transactions appear I filed a dispute and cancelled my card and a new card came in the mail and I still saw charges popping up from the same place in the meantime my dispute was denied even though I was within all of the guidelines and time parameters specified by law and XXXX XXXX XXXX policy I sent letters of dispute they didn't receive and sent them back to me I filed emails to the dispute Department only to learn that my dispute had been denied for inconsistent information there is no inconsistent information because I used the information directly from my account online and put the dates the description of the air and the amounts that were totaling over {$700.00} they say I have to appeal but the appeal process can take 45 to 90 days. When I tried to talk to the dispute department they say that there's no way to contact them.
08/30/2015	Yes	Credit reporting	Unable to get credit report/credit score Problem getting my free annual report	NC 27215	Web
Went to XXXX in XXXX, NC and wrote a check for {$57.00} The check was improperly denied. I received a call number slip with Telecheck as the point of contact. The denial code I received was Reason XXXX XXXX XXXX. I spent XXXX minutes on hold and I was abruptly dropped as soon as my call was transferred to a live person. I demand a copy of my Telecheck credit report. Also, if Telechecks fails to clear my file and resume authorization of check writing, I will have no choice but instruct my Chapter XXXX Bankruptcy Attorney, XXXX XXXX of XXXX in XXXX, NC, to file a Federal against Telechecks. Telecheck should know that their competitor, XXXX, engaged in similar practices and had a Federal lawsuit brought against them. XXXX lost the lawsuit had to pay XXXX in fines and punitive damages to customers. If need be, I will bring a similar lawsuit against them and if need be, find others to pursue a multi-party class-action against Telecheck.
07/27/2016	Yes	Bank account or service Checking account	Problems caused by my funds being low	NC 27606	Web
I used to have a a Merchant credit card services through them, but the contract has been expired and I call them and I get a return address from them and I mailed the product back to them. Last month I check my account and they still taking money from my account and I told them to stop and i call XXXX XXXX bank and I ask them to step in. I never receive any feedback from them. this is the Merchant ID : XXXX and this is the lease number : XXXX and this is the USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX I got the return address from them and I took it and stick it in the return box. I call them and explain to them and they try to tell me the merchant went to a wrong place. i ' m getting sick and tired of this game I need help because they are not happy with me because ii report the wrong doing they have been done to people in this country. I is a rigged system and I ask for help and I deserve to be protected. it is wrong and wrong
02/10/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WI XXXXX	Web
I received a notification from TRS Recovery Services, INC. of a Notice of Unpaid Electronic Transfer. The date of the transaction was supposedly XXXX/XXXX/XXXX. It shows a check number of XXXX and a Stop Payment. Reference number XXXX. This is supposed to be with XXXX for {$400.00} I did not conduct any business with XXXX on the XXXX of XXXX XXXX. I have not made or attempted to make a purchase for that amount with XXXX. I do not write checks to XXXX if I shop there. This appears to be a fraud. XXXX did not contact me directly. This letter simply arrived in XXXX, XXXX. There are no supporting documents of any transaction. I downloaded a dispute form from the company and that form is highly questionable. It asks for bank routing numbers, drivers license and social security number. This is highly inappropriate. Reviewed my checks written and credit card statements. Nothing. If there is a problem, it is with someone else.
03/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 756XX	Web
I have a debt showing up on my report from XXXX XXXX XXXX XXXX XXXX dated on XX/XX/XXXX for the amount of XXXX. This is money not owed by me. I was the beneficiary on the account but never on the account for writing or cashing checks. Ive sent a letter in the past to TeleCheck about this from the Credit Union stating I was never on the account, but they investigated it and said it was correct. I need this off my report. Its been 7 years since this was reported also. This money is owed by XXXX ( XXXX ) XXXX. There is also an amount showing for XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX and again I was never on the account only XXXX ( XXXX ) XXXX. I also sent this matter in and was told it was correct. Ive talked with both financial institutions and this information and they both stated I was never on the accounts. I would like both of these matters to be investigated once again to remove these negative reports on myself.
03/28/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 76201	Web	Servicemember
I filed a report on XXXX to the FTC after received first letter from TRS Recovery Service s , Inc. and had called the number provided on the letter. My FTC Ref # was XXXX . I have received no follow up from FTC, and was s ent another letter from TRS Recovery Services , Inc. on XX/XX/XXXX . I k now this claim that I wrote a check to " XXXX No. XXXX '' is false. They are demanding I pay XXXX and try to direct to a website, www.firstdata.com/trs to provide personal information in order to dispute or have them draft funds from my account. I did not provided personal information or go to their website. Today I received a phone call that is a scam claiming to be from the US Federal Grants Dept. i have verified my number is on the Do Not Call Registry sinc e XXXX , and I am a member of XXXX since XXXX . Why do I keep getting these misleading and threatening communications? Please advise.
03/20/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	TX 77091	Web
They called me about a year, year and a half ago and said I need to make a payment. I thought it was a different company and gave him my information when I realized the information was not matching my loan and had the card company give it back. They said I better not do that. Then I asked for dates and names they always gave me different dates and different middle name. Then they refuse to give me any information. I started getting calls saying I was going to jail and they were putting a lien on my driver 's license. Now they are saying they are going to have court papers delivered to me. I check with district court there is nothing like this under my name. Then today they call my family member and left a message that they will deliver these " papers '' to me at my home or work tomorrow. They called from an unknown number. My family member forwards the message to me. I have save 2 or 3 of the recordings they sent me.
02/15/2019	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	XXXXX	Web
I had lost my card on XX/XX/18 temporarily for a few hours at an airport and found it later on and found two charges that were not mine in total of {$700.00}. Clearly somebody had obtained my card information and made two charges and they denied the dispute and I appealed it and they had the nerve to lie to my face on recorded phone and say they had contacted me which they never did and I have the phone bill records to prove that. XXXX XXXX is already a shady company that handles the calls in the XXXX which is hard to understand any of the people talking to you in English. I had got in contact with them on XXXX-18 when they had the nerve to try and tell me they had tried to call my phone which is an absolute lie and said to wait another 45 to 60 days from the dispute date which it's already been that for another answer which is not going to get anywhere they have every reason to credit back my card and are not.
01/02/2019	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	CA 92883	Web
I called XXXX, First Data, multiple times over the last six months, requesting my account to be closed. Every single time I was told that I had a legacy account and that I needed to leave a message so I could be contacted. I did as requested, but I was never contacted. Instead, XXXX kept taking out the monthly service fees from my account while stringing me along on promises of getting a call back from them. On XX/XX/2019 they withdrew {$220.00} from my account, citing an annual renewal fee. When I called them, I reiterated that for months I have been requesting the account to be closed to no avail. Immediately, the agent sent me the cancelation paperwork. For months, I have requested a cancelation and for months XXXX intentionally kept the necessary paperwork from me, lied about legacy account statuses and never called me back in order to keep the account open long enough to charge the annual fee.
05/23/2015	Yes	Other financial service Check cashing	Fraud or scam	OH 89119	Web
I visited XXXX # XXXX on XXXX/XXXX/15 I wrote a check lost my check a day later froze my bank account with XXXX and a few days after things had cleared I closed the bank account XXXX took my money I had earned using their reward program so I inquired why my {$29.00} had dissappeared I w as told it was for a check returned to contact a certain person I called left several messages no one responded so I was forced to file a XXXX complaint now working with someone in corporate that is taking care of the issue not even a couple of weeks later my checks are being returned from my new account I get a notice from TRS Recovery that Telecheck had blocked me from using my checks if I ever wanted to use a check again to pay {$48.00} that was for a {$23.00} check with a {$25.00} returned unprocessed check I tried to get TRS & Telecheck to remove the negative stuff from my credit while I work with XXXX but they refuse
05/23/2015	Yes	Other financial service Check cashing	Fraud or scam	NV 89119	Web
I visited XXXX # XXXX on XXXX/XXXX/15 I wrote a check lost my check a day later froze my bank account with XXXX and a few days after things had cleared I closed the bank account XXXX took my money I had earned using their reward program so I inquired why my {$29.00} had dissappeared I w as told it was for a check returned to contact a certain person I called left several messages no one responded so I was forced to file a XXXX complaint now working with someone in corporate that is taking care of the issue not even a couple of weeks later my checks are being returned from my new account I get a notice from TRS Recovery that Telecheck had blocked me from using my checks if I ever wanted to use a check again to pay {$48.00} that was for a {$23.00} check with a {$25.00} returned unprocessed check I tried to get TRS & Telecheck to remove the negative stuff from my credit while I work with XXXX but they refuse
12/11/2015	Yes	Credit card	Closing/Cancelling account	IA 523XX	Web	Older American
I received a telephone solicitation from XXXX offering to handle our credit card processing at my business. I asked if the agreement was cancel-able and was told yes. I received equipment from the companies provider and one of my employees set it up and started to use it, but I disconnected it, and called XXXX to cancel. All equipment was returned to First Data. It took many weeks to get XXXX to cancel and in the mean time my bank account was charged for lease payments. I called First Data Systems to tell them I had cancelled but was referred back to XXXX. First Data is now trying to collect XXXX dollars for the cancelled lease. I requested they stop withdrawing payments from my bank account but they continued to do so I finally got the bank to quit accepting their debits. First Data have turned this over to a collection agency who says they will charge us XXXX dollars to settle and garnish our accounts.
03/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07728	Web
I filed a dispute with XXXX due to XXXX XXXX XXXX XXXX reporting incorrect data about an account that was paid and closed ( they were reporting that the account was still open and in ok/current status ). First Data responded to the complaint and added additional false information by claiming my account was a chargeoff/collection account. This information is incorrect, as I was paying the account and it was in good standing at the time that I paid the remaining balance. Since First Data was not providing any equipment/service at the time, I asked for a flat amount to payoff and close out the account. First Data agreed, but never updated my credit report to reflect the account was paid and closed, which is why I contacted XXXX. It seems that in an attempt to retaliate due to my XXXX dispute, First Data added adverse and false information, which is now reflected as a derogatory item on my report.
11/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	AZ 86314	Web
On XXXX XXXX XXXX Telecheck took a return payment that was coming to me from XXXX. The amount is {$490.00}. The case number for Telecheck is XXXX. Telecheck has admitted this was in error however provided no solution other than filing a claim which they stated could take up to 30 days. Telecheck is also reporting an issue with me as a consumer during this time which does not allow me to write or get checks cleared through merchants. Telecheck has confirmed this is there error. Telecheck stated they have attempted to refund these funds to a closed bank account and again have not offered a resolution. I have been without these funds since my refund processed through XXXX on XXXX XXXX XXXX. Hard to believe a compnay can withdraw funds without your consent and take up to 30 days to resolve their issue. Also the fact they are negatively reporting me as a negligent consumer should not be legal.
07/13/2017	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	MS 39206	Web
On XX/XX/XXXX my card was lost & XXXX was taken from my lost card by a purchase made at XXXX . I immediately called MONEY NETWORK to get a new card and to deactivate my old card before future payments be made from my account by a thief. Talked to numerous people to get a understanding of how disputes work and what will be done. On XX/XX/XXXX I sent my dispute form out and was told I will be credited for my missing money between XXXX business days, 10 business days pass but yet no credit or explanation of the investigation besides no update ; however on XX/XX/XXXX I was told by two representative that on Wednesday XX/XX/XXXX I will have a update & should be credited back to my account from the missing money. I have reach out to numerous representative and talked to the manager XXXX yesterday with still the run around I just want my missing money back asap.
01/12/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IN 461XX	Web	Older American
Check # XXXX was written on XX/XX/2016 to XXXX for {$13.00}. That check was never received and we paid XXXX via credit card as soon as we learned of the check disappearance. We now have received a collection notice from TRS Recovery Services Inc. demanding payment for {$180.00} alleged owed XXXX # XXXX and written on XX/XX/2016. We have never written a check for that amount to XXXX. The TRS Reference # is XXXX. We have a carbon copy of the check in question that shows that it was written to XXXX for {$13.00}. Our credit union can not help because it is an electronic check. I feel that this is a scam and I have to wonder how many people would panic and pay rather than spend the hours I have spent trying to resolve this issue. We would appreciate your attention to this matter. Our credit is impeccable and I intend to keep it that way. Thank you in advance for your consideration.
07/19/2018	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	TX 75216	Web
XXXX XXXX is a prepaid card I received from my employer and since the day funds were placed on card I have had problems with card. Verified address and company had it misspelled although employer submitted correct address. Tried to do online order and it was declined because of address not matching. Called XXXX XXXX and was put on hold 21 minutes waiting for a supervisor. Their telephone disconnected when supervisor finally answered.Called backand was told it takes 3 business days for a pending transaction to drop off.4 business days pass and I call them and they tell me to call back tomorrow and check likemy life revolves around monitoring them to ensure they release it. If I was told 3 business days thats what it should be.The transactions on hold are one thats been submitted several times to receive an approval.So they have been holding {$200.00} since it was deposited.
01/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 791XX	Web
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX XXXX XXXX, XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX, TX XXXX ) sent a first letter on XXXX XXXX, 2017 stating that a member of our household owed money for a return check and a returned check fee. {$14.00} to XXXX XXXX XXXX and {$25.00} Fee totaling {$39.00}. Reference # XXXX This was check # XXXX routing # XXXX with a non-valid checking account number. No one in our household has ever opened an account with XXXX XXXX XXXX. We asked XXXX XXXX XXXX to marked this as fraudulent and not to harass us again. They gave us a file claim # XXXX and said they would not contact us again. XXXX has since sent two more letters stating they need our social security number and driver 's license number. And that we still owe {$39.00}. This is a SCAM and fraud and we need to protect our credit score/history.
08/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93215	Web
on XX/XX/2018 i received a call from carousel checks asking if i had order checks for my business. no was my answer. but they had already bill it for XXXX on XX/XX/2018 i received a collection notice for XXXX plus a returned check fee for XXXX.what is fraud since i never gave them a check. i contacted carousel checks and they would do what they to get this stop. in addition carousel checks send me 2 emails letting me know that they tried to contact TRS recovery service, inc., but where unable to speech to anyone.i called TRS recovery service, inc.all they is to get paid, don't care if it is fraud or not just want to get paid. on XX/XX/2018 i received my second notice. i have faxed all info to them now 2 times once on XX/XX/2018 and again on XX/XX/2018.this is fraud and they are holding my credit score in balance.this is one of those company that need to be stop or fined?
10/13/2017	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	FL 33196	Web	Servicemember
around XXXX XXXX i noticed my XXXX account was being deminished by XXXX XXXX ... all my va XXXX money being wiped out of my XXXX XXXXccount by XXXX XXXX. the total amount in the end was XXXX XXXX ) that was stolen by XXXX XXXX. upon further investigation someone had been ordering products using my XXXX account that was saved in my XXXX XXXX account. contacted XXXX and XXXX stated someone did compromise my account and ordered products total of ( XXXX ). it has now been three months, XXXX assuring me i would receive a refund, and i have still yet to receive a refund. the only thing i have received from this is a lot of fees and headaches. i spent three months calling this company and XXXX states you need to call telecheck ... call telecheck and they state you need to call XXXX please assist in this matter as i am a XXXX veteran and i use my XXXX check for my livelihood.
01/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 791XX	Web
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX XXXX XXXX XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX, TX XXXX ) sent a first letter on XX/XX/2017 stating that a member of our household owed money for a return check and a returned check fee. {$14.00} to XXXX XXXX XXXX and {$25.00} Fee totaling {$39.00}. Reference # XXXX This was check # XXXX routing # XXXX with a non-valid checking account number. No one in our household has ever opened an account with XXXX XXXX XXXX. We asked XXXX XXXX XXXX to marked this as fraudulent and not to harass us again. They gave us a file claim # XXXX and said they would not contact us again. XXXX has since sent two more letters stating they need our social security number and driver 's license number. And that we still owe {$39.00}. This is a SCAM and fraud and we need to protect our credit score/history.
09/27/2017	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Problem with direct deposit	MI 490XX	Web
I have a Money Network card through XXXX XXXX. I 've had the card for about 6 or 7 months. I had direct deposit through my previous employer with no problems. I have even loaded money onto the card through XXXX with no problems. I am at a new job now and have direct deposit set up going to my Money Network card. They froze my account and wanted me to verify my identity. I faxed the documents they requested which was my I.D . then wait 48-72 hours for their compliance department to process. After waiting the 72 hours, they said they never received anything. So I faxed again. This time I faxed I.D., social security card, check stubs. That was Friday X/XX/2017 so I had to wait over the weekend and then the full 72 hours. Now they are saying they cant read my I.D . and I need to re-fax for a third time and wait 72 more hours. My paycheck is sitting there froze.
05/27/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NY 11233	Web
I require your assistance to have a check card, closed, given card account is currently held under my name, as a former employee of XXXX XXXX services in XXXX, USA. Further note as of XXXX/XXXX/2016 Money Network with an address in the state of XXXX, refuses to close this check card. It is possible that the intention of Money Network is to levy so-called " nominal fees '' on my person, said fees are a burden as I am unemployed. How hard can it be to close a check - card? The contact information for Money Network is as follows : Money Network XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX P:XXXX Concluding statements Finally, formal order to close this check card/account which holds an unnecessary balance of US {$0.00} borders on dead accounting. As such this account is needed, and once again must ethically be closed. Thanks for considering the preceding.
08/03/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NC 274XX	Web
Said TRS Recovery evidently declined my personal check at XXXX under an assertion that I have an outstanding unpaid debt. I have no returned checks to XXXX or elsewhere. When calling XXXX as directed by XXXX to obtain full disclosure of the purported debt under my information, I receive only a reference number of XXXX. I follow the prompts to speak with a rep, and each time I 've called I hold for more than 45 minutes before being disconnected without ever reaching a rep. Their prompts suggest that I can write to inquire about the debt but the information they require to release full disclosure is something that must be verified through an agent ... So it 's essentially a catch 22. I know by law that they are enjoined to provide full disclosure. Arbitrarily declining my 'business ' without justifiable reasons is against federal fair business practices.
09/26/2017	Yes	Credit card or prepaid card Payroll card	Trouble using the card Problem using the card to withdraw money from an ATM	DE 199XX	Web
I been trying to get my money every sense XX/XX/XXXX and still as of today I still have nothing I have all the supervisors names I have talked to I kept a record of every time and date and names of whom I have spoken to no one seem to want to help me get my money i 'm on the erge of being homeless I have my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .I keep calling and calling to the point they know that I have been calling every sense XX/XX/XXXX its now XX/XX/XXXX I just called them today as at XXXX XXXX I really do n't know what more to do I have done everything that they have asked me to do I now have 4 pay roll checks on a card that I ca n't even use here is the amounts : {$240.00}, {$550.00}, {$800.00}, {$840.00} and I ca n't get none of my money they keep giving me a run around and I do n't this is fair to me what so every.
07/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38118	Web
I applied for assistance with my utilities with XXXX XXXX XXXX and XXXX. XXXX made a payment to account number XXXX. XXXX check number XXXX dated XX/XX/XXXX. Another payment was made on the same account number using check number XXXX, in the amount of $ XXXX-XX/XX/XXXX. A payment was made to EPAY from XXXX XXXX XXXX account number XXXX, in the amount of {$360.00} date XX/XX/XXXX. All of my transactions was being manipulated by the XXXX Family. They 've stolen my identity. Social Security Card have been stolen, my drivers license have been stolen. All my former employers have been changed with all three credit agencies. My last employer from XX/XX/XXXX-XX/XX/XXXXis XXXX XXXX XXXX XXXX . Their ein number is XXXX. IRS can verify my employment with the company. Social Security can verify my employment. My social security number is XXXX.
04/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 275XX	Web
First Data is reporting that I have an outstanding balance with their company for {$1800.00} to XXXX XXXX. A had inquired about a credit card reader for my store about this time last year. The account number listed on this account is XXXX. It is my contention that I have no outstanding balance with this company. First of all, the credit card equipment they delivered was never operational. Their service representatives could never get it working. Secondly, I never signed a contract with them. And finally, I have repeatedly requested for them to pick up their equipment, but they never do ( or provide instruction on how I can return it ). I would like them to delete this account from my credit report. I certainly should n't have to pay for something that never worked, nor for their negligence on re-acquiring their faulty equipment.
02/09/2019	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Confusing or missing disclosures	NY 10703	Web
Applied for " XXXX XXXX '' payment processor on XX/XX/2017 for my business that I started that same year. I was really excited when I came across their advertisement somewhere online. Signed up and Finished the process of setting all my information up to get the technology that I thought was going to be sent to me. All I remember with signing up with this company was that as soon as I finalized everything I received 3-4 emails stating I was " denied '' NOWHERE in any terms of agreement was there anything stating that this service was ever going to ran through my credit. I was furious comprehending that I basically " applied '' for a payment processor. I called the company immediately and ofcourse they said nothing can be done for me. I then looked at my credit karma app to see I had a hard inquiry for basically nothing.
05/25/2016	Yes	Credit card	Customer service / Customer relations	IL 600XX	Web
I use XXXX for credit card processing services. They separately contract materials such as the credit card terminal leases, etc., through the company First Data Global Leasing. Despite owning a terminal ( purchased in XXXX 2015 ) and upgraded for chip capability, First Data called stating I needed to lease yet another terminal. I trusted this and complied - signed a lease for the new terminal. About 2 months later, a rep for XXXX called and stated all was incorrect and after much wrangling with First Data managed to get the lease cancelled. She stated 'this happens all the time ' and that communication between the XXXX companies is 'not ideal '. However, the pymts made for the 'new ' terminal have not been refunded to me. I can not get through their phone system - always put on hold due to 'unusually high call volume. '
12/24/2017	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	TX 77039	Web
Third party XXXX XXXX involved in XXXX XXXX. XXXX XXXX extortion is an infringement of XXXX. XXXX XXXX has neglected to give data to the buyer and characterize how the purchaser can constrain risk on account of theft-loss, or dispute or cash was stolen from account-holder by deceitful falsification, portrayals or guarantees profited XXXX. Denied bank administrations : ATM, immediate store ( payroll checks ), ACH or point of sales, Getting cash back. XXXX XXXX administrations being conveyed with suspicious requests and/or dark record information. Hasnt enabled me to get cash from my paycheck utilizing their XXXX XXXX payroll card by XXXX. Doesnt permit me record views, i.e. Statement, Checks paid, Transfer, transaction history. XXXX XXXX is liable to compensate to consumer as it amounts to deficiency in service.
12/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	WI 54650	Web
TRS Recovery Services sent me a letter stating that a check that I had written at a local grocery store did not clear due to a stopped payment and they were collecting on this debt. I checked with the bank and the checked did clear and the bill was paid. I attempted to call TRS however they offer do not offer an option to talk with someone to resolve the dispute. The only option is to complete a form that requires you to provide bank routing numbers, account numbers, drivers license and social security number. I am uncomfortable with sharing this level of confidential information to resolve this issue. I have verification that the check did clear and the debt was paid I would like an alternative to resolve this. It appears as though there have been a multitude of complaints regarding this company 's business tactics.
01/25/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	VA 225XX	Web	Servicemember
TRS recovery services, INC. sent XXXX separate notice of unpaid electronic transfer from telecheck services stating I had stopped payment on XXXX checks. No account or bank information was provided. I do not use telecheck and I have never written checks to the retailers identified in the letter. I checked with my credit union where I have my only checking account and no bad checks had been written on my account. I have sent notice via registered mail to TRS that I did not write these checks and that I will not give them any personal information as the letter states it will be used to recover the debt. They are continuing to call. I assume I may have been a victim of identity theft but I do not even have enough information from TRS to check on it. No bank name or location of where these supposed checks were written.
01/25/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	VA 225XX	Web	Servicemember
TRS recovery services, INC. sent 3 separate notice of unpaid electronic transfer from telecheck services stating I had stopped payment on XXXX checks. No account or bank information was provided. I do not use telecheck and I have never written checks to the retailers identified in the letter. I checked with my credit union where I have my only checking account and no bad checks had been written on my account. I have sent notice via registered mail to TRS that I did not write these checks and that I will not give them any personal information as the letter states it will be used to recover the debt. They are continuing to call. I assume I may have been a victim of identity theft but I do not even have enough information from TRS to check on it. No bank name or location of where these supposed checks were written.
08/20/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 389XX	Web
XX/XX/2018 a purchase was made at XXXX XXXX in XXXX Louisiana in the amount of $XXXX The account used was my daughter's checking account number, but my name was listed as if it was my account. The bank, XXXX of MS, detected fraudulent activity on the account and contacted my daughter and stopped payment and closed the account. I received notification from collection agency and went to my local bank and the officer at the bank called the company and explained to them that I was not on the account that was used. I am continuously getting phone calls and currently unable to write a check anywhere that Telecheck is used. I have submitted all documentation that they have asked for. A police report was filed by my daughter. This was never my account. I have never been to XXXX LA or purchased anything from XXXX XXXX.
08/07/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20874	Web
Please see attached a copy of a collection notice from TRS Recovery Services , XXXX. This collection agency is trying to collect on a debt for a bank overdraft. It states that they are trying to collect on behalf of XXXX XXXX XXXX. I state for the record that I have never had an account with this bank. Therefore, I insist that full documentation be sent to me with 100 % proof that I had a checking account with XXXX XXXX XXXX. I state for the record that I never had an account with this bank, and I have spoken to this collection agency claiming that I am not the party they are trying to collect upon. I need all letters and calls to cease and desist permanently. If any reference to this illegal collection process in om my personal credit reports, then I respectfully request the removal of said collections.
06/29/2015	Yes	Credit reporting	Incorrect information on credit report Personal information	MA 025XX	Web	Servicemember
I have had constant issues with the company Telecheck denying my checks at XXXX and XXXX over this past weekend. XXXX times my check was denied. As has happened before this always happens on a Friday or on the weekend when no one is available at Telecheck to speak with. I called Telecheck today and could not even hear the woman on the other line. When I did ask her why my check was denied she said my bank said I had no funds. Friday was my payday so I had plenty of money. I also called my bank who said they do n't know why or how telecheck would say that. I do n't know where or how this company stays in business or where they get their " information ' on my bank account from. You ca n't get an answer from a person from the company when you finally get through to someone on their complex telephone system.
07/02/2019	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	NY 11432	Web
On XX/XX/2019 at XXXX there was an unauthorized transaction of {$400.00} withdrawn from my account. On XX/XX/XXXX I tried multiple times to withdraw the money but was unable do to Insufficient funds. As a result not only the {$400.00} where goned but I was charged multiple times a fee for insufficient funds. On XX/XX/XXXX, I filed a complaint with the company and case ID XXXX was opened. On XX/XX/XXXX, I called customer service and was told to send an email stating what happened and that the card was with me the whole time. On XX/XX/XXXX, I called and was told that my case was closed without any explanation, I was told to write another letter stating what happened and requesting to have the case re-open. I called again on XX/XX/XXXX and was told that my case was closed. No explanation was given to me.
09/26/2015	Yes	Bank account or service Checking account	Making/receiving payments, sending money	MI XXXXX	Web	Older American
Dear CFPB Representative, Yesterday I went to write a check in my local supermarket ( XXXX ) and had Telecheck refuse to process the check from my personal XXXX XXXX XXXX. The acct. has been open for more than 12 years! Upon arriving home they stated that the checking acct. was new? So, they had to build a history on it. Once that was done I could proceed to use it in the same supermarket. It was declined again. On the FTC site it indicates this company has legal action against it for similar issues. The Telecheck personnel seems not to provide proper information for the check being declined. Denial record # XXXX. Check amount {$57.00}. Date XX/XX/2015. Ck # XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX. XXXX, MI. XXXX TEL # XXXX ID # XXXX I NEED SOMEONE TO INVESTIGATE THIS INCIDENT PLEASE-XXXX
02/22/2019	Yes	Money transfer, virtual currency, or money service Virtual currency	Fraud or scam	FL 34243	Web
I own a business and have been writing checks to XXXX XXXX for years. I have NEVER bounced a check with them or any business. Two weeks ago we switched banks and now TeleCheck denies each check I try to write. This is hurting my business as we are not able to get needed material. I have spent numerous calls and hours trying to get a straight answer, can not get someone to give me a straight answer. Was told that I have to wait and try to write check after a week but still denied and the last customer service rep stated that I have had to many checks declined. This is not true, I have never bounced a check and this company is causing me to loose business, and a reputation. They can not give me a straight answer as to why I am being declined and what steps to take to rectify the situation.
06/07/2019	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	AZ 85281	Web
On XX/XX/2019 I awoke to several alerts on my phone showing transactions that occurred overnight. 6 at XXXX totaling {$870.00}, 1 at XXXX {$87.00}, 4 at XXXX XXXX XXXX - {$230.00}. I called the number on my card immediately. They said that they would send out some dispute forms for me to fill out. When they arrived almost two weeks later they only had the XXXX disputes listed. I had to calll and remind them there were others. I completed the forms and sent them back. This week XXXX and XXXX XXXX funds have been returned to my account. Today I received a letter stating the XXXX Dispute has been denied due to conflicting information. They did not tell me what the conflict was. I have called them several times and have been hung up on and basically given the run around.
03/05/2019	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	OK 73071	Web
I purchased some blankets online from a company that I found out are scammers after the point of sale. This was about four months ago. The company is XXXX XXXX XXXX. I have tried to contact them numerous times about an update on the purchase and inquiring about a refund. All I have received is lies, denial, and obvious disrespect from customer service via email. I filed a dispute with my card XXXX XXXX CARD. They have strung me along a foreign customer service saying to wait on an update on the dispute until today. I was on the line for 30-45 minutes until they told me my dispute has been denied due to it being legal action. They told me multiple times before this that my dispute was being processed. I have been lied to and scammed with no hope of getting my money back.
06/08/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 37075	Web
I received a letter from TRS Recovery Service s Inc, c laiming I owed XXXX debts ( Reference numbers XXXX and XXXX ) for XXXX and XXXX respectively. They are claimed to be related to Unpaid Electronic Fund Transfers from XXXX XXXX number XXXX , Telecheck. I have never been to this XXXX XXXX and I certainly did n't do any fund transfers. I was not near that XXXX XXXX on the day they claim. The numbers and methods they provide to contact them all demand social/bank routing info/etc. I will not provide this info to a company that appears to be scamming me. I googled this company and find that they do this to lots of people and have many complaints against them. I want the issue resolved and I do not want to receive any more communications from them.
01/10/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MS 39503	Web
I received a letter from XXXX XXXX XXXX XXXX XXXX. saying that I owe {$420.00} for a bank overdraft fee at XXXX XXXX XXXX XXXX. I was sending XXXX XXXX XXXX payment of {$30.00} once a month from XX/XX/XXXX-XX/XX/XXXX. I send them a total of {$150.00}. I try calling this company several times and I was n't able to talk to a real person. I then send in a inquiry form to XXXX XXXX XXXX about my account. They send me a letter saying my account was closed on XX/XX/XXXX and they are going to refund me {$55.00}. I received two check totaling {$55.00} in the mail. I had to filed a complaint online on XX/XX/XXXX with CFPB complaint # XXXX because they still owe me {$94.00}. XXXX responded by sending me a check in the mail for {$64.00}. XXXX XXXX XXXX still owe me {$30.00}.
02/09/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	CT 06451	Web
First Data company in cooperation with XXXX XXXX XXXX Merchant service scam my medical practice to lease a credit card reader for 4-5 year lease that can not be cancelled. The credit card reader worth XXXX-XXXX $ but it eventually costed me XXXX-XXXX $ to pay the lease. At the end of 4 years lease they did not inform me the lease has ended and they keep charging my bank account for outrageous amounts and when I finally found out and wanted to cancel it they created lots of hassles, 5-6 telephone calls, each time holding me for 30-45 minutes to pay off that junk machine after 4-5 years to get out of the lease. If you search on Internet there are lots of people like me that were scammed by this company and it must be stopped. XXXX XXXX XXXX XXXX, Connecticut
09/13/2018	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble closing card	OR 97206	Web
I made multiple attempts to close my account, they refused to close my account. The fax number they provided said No Answer, and I they repeatedly would not close my account. This occurred on XX/XX/18. I spoke with XXXX at XXXX XXXX, she refused to close my account. I spoke with XXXX at XXXX, she refused to close my account. I spoke with XXXX at at XXXX, she reused to close my account. Fax result says : No answer, therefore fax number does not work. I attempted to fax ten times over three days, still No Answer from fax number. Fax result does not say Busy or Sent, but it says No answer. Fax number does NOT work, it's invalid. They are currently charging my account and refuse to close my account. I need this to be stopped and my account closed.
03/06/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	FL 32953	Web
We ran a small XXXX XXXX. We called our credit card company, First Data on XX/XX/XXXX to close the account effective XX/XX/XXXX. We were closing the business. I saw charges on one of our bank accounts that we were keeping open to pay any bills after XX/XX/XXXX. They charged us for XX/XX/XXXX & XX/XX/XXXX a total of XXXX with no activity at the business. We called to have the charges stopped & reversed, but instead were billed for XX/XX/XXXX. We have closed the account at present to stop the charges, but when we called, the representative told us that we were supposed to call on XX/XX/XXXX, of which we had not been told & that there was no supervisor to speak to ... of course untrue. Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX
05/16/2016	Yes	Bank account or service Other bank product/service	Using a debit or ATM card	SC 29607	Web
I called the company advised them of an unauthorized transaction and was told to fax a paper stating why. I advised the company I did not authorize the company to draft my account. The company denied my claim stating the company has drafted my account once before. I called the company and told them I made a one time payment and that I did not authorize any other transactions. The company advise me that if I paid a company one time they had permission to draft my account any other time after that. I asked if I went to XXXX and swiped my card and 4 months later they charged me again would that also be authorized the representative advised me yes. I am in disbelief that I am going through so much to get my money back from an illegal transaction.
12/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 90027	Web
I wrote a check to pay XXXX for service on a water heater. The check cleared. Later, I got a letter from TRS recovery services claiming the check was returned. I sent them a copy of my bank statement showing the check cleared and a copy of the check. They wrote back that I still owe money and included a statement the check was later refused with a message of " Refer to Maker ''. I believe someone submitted the check twice, the first time it cleared and the second time it was refused ( I never received notice from my bank or from XXXX that my check was refused ; only from TRS ). I believe the bank statement I sent TRS is sufficient to prove I paid the debt ( it covered both the period when my check cleared and when it was supposedly refused )
01/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	AL 36301	Web	Servicemember
I have tried to get my credit reports so that I can keep all information up to date, and have already reached out to all 3 major companies and have called and just get the runaround from all 3 credit reporting agencies. I have called multiple times during the last 14 days and no one can give me any information on how I can dispute the information on my profile. I have received notifications telling me that my SSN and name have been taken and have tried to get things challenged and have been told I ca n't do that by a woman named XXXX from XXXX. XXXX from XXXX has told me the same thing and XXXX XXXX from XXXX said even if I sent them information to identify myself they would do nothing but keep my information for their own enjoyment.
12/07/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	TX 76021	Web
To whom it may concern, I am bringing this attention to your office regarding an open account # XXXX from XXXX XXXX that I strongly believe was a fraudulent account under my name. The letter content my name and informing me that I open an account and has been upgraded to premier account. I tried to contact the customer service but it prompt to enter my social security number so I decided not pursue it. I never sign for the company. I found out that there so many people that filed a complaint against this company. The company named is XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX FL XXXX. Thank you for immediate attention regarding this matter. Should you have any questions, feel free to contact me at XXXX. Sincerely, XXXX XXXX
01/14/2019	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	OK 741XX	Web
On XX/XX/XXXX saturday two weeks before XXXX my card number was used in new york at XXXX XXXX they stole XXXX dallars when i called XXXX XXXX XXXX XXXX they only told me this info and im in oklahoma they sent out a paper and i filled it out sent back ive called everyday no update these people are a joke and they are criminals i want my pay back im a single mom they need to be shut down most people ive spoken to are foreigners and make excuses for the ones who have stolen your money its a scam how can i get my money back they gave me an dispute id XXXX but no money still this company is a fraud they help foreighn countries and there people steal our hard earned money please do something theres thousands ofcomplaints on this company
10/24/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	IL 60628	Web
XX/XX/XXXX. I made a {$4.00} transaction at a city gas station and the took out an {$80.00} authorization that I did not approve. I immediately called the card company ( XXXX XXXX ) whom told me to reach out to merchant or give up to 3 days to be put back on my account. I waited over a week and the money still was n't added back. I spoke to the merchant who referred me back to my card issuer ( XXXX XXXX ) multiple times. Its now been over two weeks and the money still has n't been returned. I once again spoke to the card issuer ( XXXX XXXX ) who now says the money was added back the same day when it clearly was n't. I 'm now filling a complaint against my card issuer ( XXXX XXXX ) for not properly assisting me with this issue.
07/07/2017	Yes	Checking or savings account Other banking product or service	Managing an account Cashing a check	RI 02908	Web
On Thursday, XXXX XXXX , 2017, I went to pay by check for tires I had put on at XXXX XXXX XXXX in Rhode Island. They ran my check through Electronic Check, Powered by Telecheck , A First Data Company. My check was denied. There are/were more than sufficient funds for this transaction. I was mortified and humiliated in front of other customers. When I returned home I called the bank and was informed it was denied by them. I then called Telecheck and was informed I did n't have an account with them. Of course I do n't, THEY ARE NOT A BANK OR FINANCIAL INSTITUTION IN MY AREA This should not give them the right to deny my payment without going through the bank on the check. This is so unacceptable!
11/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NC 275XX	Web
In XX/XX/2015, this company offered me a new credit machine for my store. When they came to install the new machine, they could never get it to work. Eventually, I became tired of dealing with the issue, and I asked them to come pick it up. Even though the equipment never worked, they refused to pick it up and continued to bill me for a service that I never used. I just do n't know how they can continue to bill me for a machine and service that never was operational. I have repeatedly asked First Data to come pick up their machine, or give me instructions on how I can send it back to them. They never do. They just keep sending me bills, and reporting this account as a past-due account on my credit report. That is not right.
01/29/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 93635	Web
On XX/XX/2018 I file a disputed claim with my prepaid card XXXX XXXX dispute case ID # XXXX for the amount of {$1800.00} there was 12 transactions not authorize by me I follow every step I need to and after 15 days of opening my dispute I got letter on the mail that my dispute was denied for controversial information, well I call them and ask them if they can send me a copy of documents they used to denied my dispute and they say yes we will send it to you but they never did I request it twice and they wont send it then I appeal the decision and they denied again so I call them everyday trying to get information why they denied my dispute they wont give me the reasons or papers they use to make there desision thank you
09/02/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	FL 33825	Web
Our business was contacted by merchant services provider that they could save us on XXXX processing fees. They proceeded to have us sign up for a 4 year lease with First Data Leasing to the tune of {$7700.00}. We decided not to proceed with XXXX as we found a better deal before we ever hooked up the equipment with First Data Leasing. First Data Leasing and XXXX are not allowing me out of the contracts even though I never used either of their services. The women whom signed us up was told repeatedly that we did not want to be under contractual agreement however she convinced us by saying we could get out if they could not save us money. We found a way better deal only a week later before we ever hooked up the equipment.
12/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	WA 98292	Web
Date XXXX/XXXX/XXXX amount {$41.00} at XXXX XXXX store NO. # XXXX XXXX XXXX XXXX XXXX WA XXXX. Cashier # XXXX My check was Denial on the decision of XXXX XXXX out of XXXX Texas XXXX XXXX. I have fantastic credit, home owner, with NO habit of writing bad checks and have money in my bank account!! call this company and all they could tell me is : well ... we have not check your bank account you just wrote to many checks for XXXX day! I wrote XXXX checks that day and that was my XXXX. ITS XXXX!! I am so upset! I stood in line to be refused by some that that company is BASE OUT OF THE XXXX ... .... named XXXX who 's ID number is XXXX I feel very violated, disrespected and been discriminated no base 's of facts!!!!!!!!!
07/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
I am a victim of identity theft. I became aware that several credit and checking accounts were opened in my name without my approval, consent or knowledge. From 2016 until present I have not applied for or opened any new checking or savings accounts whatsover with any bank. I bank with XXXX XXXX XXXX which I opened in person in New York. Every other bank account and inquiry on my XXXX and XXXX XXXX XXXX report is a result of fraud. I did not even live at the addresses that were given to XXXX or XXXX XXXX XXXX. I am attaching a copy of my photo ID, birth certificate and my current lease showing where I actually lived during this time of identity theft. The only account that is actually mine is with XXXX XXXX XXXX.
08/20/2018	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	NV 89030	Web	Servicemember
I own a small business that accepts credit cards for payments. The company used to process the cards is First data. They constantly withhold MY funds for DAYS and tell me that it is my bank blocking the deposit. Seriously????? They lie to me constantly and as of today, I do not have funds totaling {$4200.00}. I have asked for a wire and they refuse. The are owned by XXXX XXXX who has XXXX me before with the scam in XX/XX/2012 where they take your money and open other accounts without permission. 5 times in a two year period for me. Now they are withholding funds. I understand First Data does this to many people. They are scam artists holding onto my money for days. I NEED THIS MONEY FOR MY BUSINESS!!!!
09/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32714	Web
Merchant ID XXXX # XXXX took what was supposed to be XXXX trial offer for a processor and credit card processing machine. We tried out the products and we suffered a charge-back within the first week of having the machine/processor. The bank called our company and advised us the processing account was closed which was 7 days after we opened the account. Now this company first data is saying we have to pay a four year lease because of the initial paperwork that we signed taking the delivery of this machine. Our salesman told us it was 30 days risk free and now this company wants thousands of dollars for the credit card machine which has been sent back to the company within the first 30 days.
09/30/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	FL 32714	Web
Merchant ID XXXXLease # XXXXWe took what was supposed to be XXXX trial offer for a processor and credit card processing machine. We tried out the products and we suffered a charge-back within the first week of having the machine/processor. The bank called our company and advised us the processing account was closed which was 7 days after we opened the account. Now this company first data is saying we have to pay a four year lease because of the initial paperwork that we signed taking the delivery of this machine. Our salesman told us it was 30 days risk free and now this company wants XXXX dollars for the credit card machine which has been sent back to the company within the first 30 days.
10/20/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	NC 278XX	Web
Still being ripped off by Money Network double charging for ATM Fees, on XXXX/XXXX/2015I was charged {$2.00} by the ATM and Money Network charged also an extra {$2.00} totaling {$4.00} for XXXX transaction. I tried purchasing to beers totaling {$2.00} and was declined. I intially requested, before receiving a new debit card to close my account and send a check in the amount of balance which was {$25.00} and to close my account! They said they could n't and XXXX XXXX XXXX states the bank must, so that 's plain to see that theres a run-around scam oney racket in banking still ago! Please request to them to send me the {$2.00} that is to be left in my accunt and then close it? Thank you!!!
12/15/2017	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	OK 74011	Web
On XXXX XXXX I tried to withdraw funds from an ATM that was not my bank. The funds did not dispense but it was debited from my account. I immediately contacted customer service and was told it, they would send a form in the mail for me to sign and send back. I recieved the form on XXXX XXXX and faxed it back to the number stated on the form. I call today XXXX XXXX to check on the status and they say that they have yet to receive the form. I asked to speak with the dispute dept. but I can not the rep had to. So I was put on hold and when she returned asked for the fax number. Which I gave to her and was told that it was the wrong number. Now I have to fax the form in again and wait.
12/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 21740	Web	Older American
My business sold XX/XX/XXXX. First Data continued to debt my business account for use of their credit card machine for months..After the new owners obtained their credit card machine, I received a letter form First Data on XX/XX/XXXX requesting {$51.00}, because I closed the business bank account.. I then removed the machine, mailing it back to First Data on XX/XX/XXXX. First Data then informs me I still owe for the machine. I returned it and they acknowledged they received it.I have requested a copy of any contract they say I signed to pay even if the business sold.Fist Data would not send a copy. They have now turned this over to a collection agency XXXX XXXX, NY..
08/02/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 93010	Web
FirstData ( merchant processor for XXXX XXXX ) allowed a customer to order my product and have it shipped to the billing address on record and keep my product and do a chargeback thus also taking my hard-earned money! I was told to supply a tracking # XXXX -US USPS Overnight. Which I did. Now, I 'm told that I did n't provide tracking information and that I should fly out from California to Ohio if I wish to take this up with the customer directly. FirstData is saying that my proof of compliance with XXXX requested information is insufficient. Desired Outcome : I want {$410.00} placed back into my account asap. Thanks, XXXX XXXX , Owner XXXX XXXX
12/10/2015	Yes	Bank account or service Other bank product/service	Using a debit or ATM card	MD 21229	Web
On XXXX/XXXX/15, I attempted XXXX purchases with my debit card issued by XXXX XXXX XXXX XXXX. Both were declined although I had funds in my account. I visited the credit union on XXXX/XXXX/15 to see what happened. The representative informed me that the debit card issuer STAR determined that my card was compromised and cancelled it on XXXX/XXXX/15. I had received a new card, but did n't activate it because there was no explanation issued with the card about why my current card was being replaced.Although my card was cancelled on XXXX/XXXX/15, no one informed me and I continued to use the cancelled card until I was embarrassed in a restaurant trying to pay for lunch.
11/21/2019	Yes	Money transfer, virtual currency, or money service Virtual currency	Other transaction problem	IL 60641	Web	Older American
First Data was charging me a fee to process Credit Card Payments fort my Music Store. In XX/XX/2019, I decided to cancel their service and no longer use them. The account, I was told was closed. However, after receiving my monthly bank statements, I noticed right away that I was still be charged for their service. I called a second time to resolve the matter and the customer service refused to stop the charges because I did not know to the exact penny what last Monthly charge was. It is now XX/XX/2019 and I am uncertain as to wether or not First Data will continue to charge the monthly service fee. I was urged to seek out the assistance from the CFPB.
09/20/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web
I was contacted by TRS RECOVERY SERVICES in XXXX XXXX, Texas with a " notice of unpaid electronic transfer '' relating to check XXXX. I wrote check XXXX on XXXX2011 to XXXX XXXX, the tax collector, for titling a car I had just bought at that time. I still have the check registry. The amount trs is claiming is {$1200.00}. the actual check was for {$180.00} ... Again, to XXXX XXXX TRS says they, or their parent company telecheck, bought the debt from tractor supply company who I had never heard from and never heard of. TRS sent me their letter on XXXX and threatened to send my debt to a professional debt collection company, which it appears they are anyway.
08/25/2016	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	MA 01604	Web
I use the First Data Money Network card for my paycheck to be directly deposited. This card was furnished to me by my work. I am applying for a mortgage and I need to get statements showing the money that I put away as well as my usual cash flow. For the last 2 days, every number that I call gives me a message that they 're experiencing technical difficulties and to try again later. I am running into deadlines and I ca n't keep pushing this back. I need proof on paper of my money, and I need the people in control of my money to be accessible. There needs to be some recourse. I 'm at my wits end attempting to get ahold of anybody at all at this company.
09/06/2015	Yes	Bank account or service Checking account	Problems caused by my funds being low	DE 19904	Web	Older American
I wrote check # XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/15. XXXXDue to a subtraction error it bounced. Subsequently I wentinto the the store and spoke with an assistant manager whowas supposed to tell the store manager that I was going to come in toward the end of the month and pay the check. I also wrote to XXXX XXXX, President of the store andcomplained of their tactics. Since then they have referred the check to Telecheck andTelecheck 's internal collection agency for collection. Theyhave also presented the check for payment FIVE TIMES ( XXXX, XXXX, XXXX, XXXX, and XXXX/XXXX/15 )!!! My bank paid the check on the final submission on XXXX/XXXX/15.
03/18/2019	Yes	Checking or savings account Checking account	Managing an account Cashing a check	WV 250XX	Web
Telecheck keeps denying my checks on my two checking accounts I hardly ever get an approval and constantly suffer embarrassment and aggravation not being able to get my checks approved on my two checking accounts I want to be able to buy what I need from XXXX or any other telecheck merchant and not have my checks denied I have cleared all outstanding checks but I still get denial after denial and I am fed up with telecheck I need help how can they keep denying me I called telecheck they stated I have no negative information that I shouldnt be having trouble writing checks I want telecheck to fix my file so my checks are NOT DENIED when I need something!
02/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AL 350XX	Web
XX/XX/2018 XXXX XXXX is trying to charge me for a returned check fee that was drafted out of my checking account for a check that was written to XXXX No XXXX. I tried explaining that the returned check charge had already been paid and the lady argued with me telling me that it was my bank charging me. I continuously explained that it was not my bank and the lady told me it would not be removed and I would have to pay it again. I have a bank statement clearly stating the payment to XXXX for a returned check charge of XXXX and the one from my bank in the amount of XXXX. I am getting multiple calls everyday even after they have been told not to call me.
09/04/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 98201	Web
TRS Recover ( Telecheck ) will not allow me to write checks. Telecheck confirms that I DO NOT owe any money, however, after repeated calls for 2 months, they say I " have to rebuild my credit before they will approve new checks ''. Telecheck is going way out of bounds in how they are operating as a business. I do n't owe ANY money to Telecheck or any merchant that uses Telecheck, YET, they can deny my checks based on their own credit reporting data? Telecheck is NOT a credit agency. Telecheck can not make me fix my credit. I demand the CFPB investigate Telecheck and regulate how they are doing business OUTSIDE of their actual legal guidelines.
03/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	SC 29414	Web
I have recieved XXXX letter from TRS Recovery Services, linked to Telecheck, stating that I am being contacted due to unpaid debt for my bank account at XXXX Several things wrong ... I do n't have any debt with my bank, I have never received anything from the actual bank telling me that I have a bank overdraft amount of XXXX, and when i call the number listed it says the number is no longer in service. The letter is dated XXXX/XXXX/15 and it says to pay in full promptly, that I have 30 days to dispute. Not only can I not contact them via the number listed but I also have read that this company is being sued by the government for this issue.
12/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 11220	Web
The payment was made thought a debt collector on behalf of first data global leasing, since year XX/XX/XXXX for early termination fee {$290.00}. Matters face when they agent walking to my restaurant was told me no contract, no early termination fee, so we can consider is fraud, is scam, they have advertising in writing of XXXX XX/XX/XXXX I review my credit report, they inaccurate credit report bring down my credit score from XXXX to XXXX.and then I go online research I no the only one get hurt by first data global leasing company.my business closed, the processing machine being return. few days after I made phone call everything was fine,
11/18/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	TN 385XX	Web
hello, my name is XXXX XXXX. in regards to this complaint, Ive been deposited a check from my new job at XXXX. The balance was XXXX on XX/XX/2019. Ive made several transactions, over the past few days. Ive done the math from all the transactions. I should have {$62.00} left in my account. please look into this i would like a refund of my money im unsure why it says i have XXXX balance. ive tried spending money for gas and my card declined. This highly upsets me, please help me resolve this quickly as possible. thank you for your time. This is my first time using a pay card ive never had something like this happen before. have a nice day.
01/08/2019	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	HI 96753	Web
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Unauthorized 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 TOTAL- {$660.00} Currency Conversion/Cross Border Fees included. This company has a record of the full amounts as I do. Sent my dispute They closed the case. Too many inconsistancies. I live on XXXX. Using my card, I'm required to use my pin. I faxed all my disputed charges to XXXX XXXX. XXXX was my person handling my dispute. When calling she did not exist. Yet she was the person who closed the case
07/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	IL 60178	Web	Servicemember
My wife has an account on her report that she had some issues with and returns, however I am not associated with that! I was denied check writing privileges under my name, my social, my dl because they say her being a authorized signer on my bank account hurts me writing a check!!! that is completely false, I had no connection with the account she had issues with and I should not be punished when I personally write a check whether she is on that account or not, she is not writing the check, I am under my personal information. to associate us together and punish me for using my personal information to write a check is completely illegal.
11/14/2015	Yes	Prepaid card Payroll card	Unauthorized transactions/trans. issues	TX 784XX	Web
On XXXX/XXXX/2015 am authorized transaction of {$10.00} was deducted from my payroll account to XXXX bill pay. I can not know the possible reason why unless the financial institution, or someone who works there is to blame for this because I have no XXXX bill pay accounts. Also, when I called customer service to dispute the master, the first representative tried to tell me that it could n't be disputed because the charge was already settled. Then he told me that he would cancel my card and issue a new XXXX at no charge to me. However my account now reflects a SECOND unauthorized charge of {$6.00} for the reissuing fee.
09/02/2019	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	CO 80104	Web	Older American
On XX/XX/2019 a payment was made from Money Network Financial LLC., ( XXXX XXXX XXXX XXXX ) for the amount of {$590.00} sent to XXXX XXXX ( XXXX XXXX uses XXXX XXXX as a third party for on payments ). The amount for {$590.00} was never applied to my XXXX XXXX account. My attorney wrote to XXXX XXXX and response was that they never received the funds from XXXX XXXX. I wrote to CFPB via XXXX XXXX and response was they same I wrote to CFPB via XXXX XXXX and they pointed the finger towards Money Network Financial, as never receiving the funds. Please respond as this is very important as part of Discovery.
11/07/2018	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	IL 60466	Web
My XXXX XXXX debit card had fraudulent charges on my account on XXXX one was a purchase of XXXX and a withdrawal of XXXX. I have advised the payroll card company of this fraudulent activity I also advised the federal trade commission and completed and identity theft affidavit. I have also alerted the FDIC and the Illinois States attorney general. XXXX XXXX advised that I would receive a provisional credit within 10 days. I requested to speak with the disputes department I was advised that that department does not speak with customers. I requested communication and updates XXXX XXXX has not provided that.
04/15/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	TX 770XX	Web
A former employer opened a retirement account in my name for {$100.00} in 2012. I have watched as quarterly fees have steadily reduced it to {$76.00}. I received notice that my former employer was switching retirement companies and that i had the option to cash out the amount. I took the cash out as it was would be unwise to just let it dwindle to nothing with the fees. The rep said numerous times on the call that I recorded that I would receive a check for {$76.00} and never once mentioned any fees. However, once I received the check it was only for {$36.00}. I have the recorded call I can provide you.
04/05/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	LA 701XX	Web	Older American
I charged {$6.00} to my checking account on XXXX.The charge was never presented or declined at my bank. I was put in collection by Telecheck and TRS who began to threaten me with late fees. I contacted XXXX who said I did not owe them anything that the item was paid for. I contacted my bank with the Trace ID and they said nothing had been presented or declined. The outgoing message on TRS voicemail asks for Social Security numbers and copies of drivers licenses which I believe is against the law. All calls to Telecheck are routed to TRS so they are the same company but not disclosed to the consumer.
11/23/2016	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	GA 30342	Web
Credit Card Merchant FIRST DATA, has engaged in a long-term pattern of charging me excessive and unauthorized fees that I have not agreed to, and for NOT completing a survey that I did complete. There charges have increased without botice and agreement and when we have complained, their promised adjustments and reimbursements have not been completed. Today when we complained and demanded reimbursement or cancellation of my account, they said there would be NO REIMBURSEMENT if we cancelled the account ( acct. rep " XXXX '' ). I have incurred NSF BANK FEES on account of their illigetimate debits.
11/20/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	DE 19701	Web
Already had filed a fraud complaint on TRS Recovery Services for the malicious attempt to collect on a fraud debt from a result of fraud transactions that happened from XXXX that was not Authorized thru a closed checking account where the Checking Acct number was used online and no paper check was submitted for payment. TRS Ref # s are XXXX and XXXX and XXXX and XXXX these items were never ordered or received or Authorized and request my personal information be removed deleted from Telecheck and TRS Recovery Systems Asap since the information on files is a result of a fraud transaction.
05/07/2018	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	VA 228XX	Web
On XX/XX/XXXX I went to my local XXXX to load some money on my XXXX XXXX card for an online purchase. I would like to note that Ive done this countless times and never had a problem. I asked the cashier to load {$90.00} to my card and I was charged a {$4.00} service fee. The cashier took my money and I received a receipt for the transaction which shows the last 4 digits of my card as the card the money was loaded to. The money never showed up in my account. I have contacted XXXX XXXX more times than I can count and they keep telling me I need to wait longer for the issue to be resolved.
10/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ XXXXX	Web
I have been cleaning all my consumer reports because I found out that there were accounts that were opened in my name that I did not authorize. While going over one report I was sent another report that had listed several checks that were written without my authorization. I am have been a victim of ID Fraud and this is an ongoing seems to be never ending saga in my life. There are several checks on this account that I want to dispute as fraud and removed as these are wrong and don't belong to. Once this is cleared up please send me an updated report with those items removed. Thank you
08/27/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91792	Web
I got 3 letters from XXXX XXXX XXXX XXXX on XX/XX/XXXX for Charges that were through XXXX XXXX and XXXX XXXX Payments that happened in XXXX. i double checked my records and bank transactions and the listed charges ( XXXX, XXXX, and XXXX ) are non existent. When i contacted them, they claimed the purchases were made on a account from XXXX XXXX XXXX under my name. Contacted XXXX XXXX to be told there is no account under my name at all. While contacting XXXX they asked me for my State ID number which i refused to give them. I want to these scam charges cleared before it affects my credit
03/01/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98119	Web
On XX/XX/XXXX, my gym locker door was pried off, and my checks and credit cards were stolen. Two checks were written on my account ( which was closed shortly after the theft -- check XXXX for {$94.00}, and check XXXX for {$76.00} ). I have been explaining to XXXX XXXX XXXX XXXX XXXX that I didn't write those checks. I have sent them copies of the police report and bank letter stating that the account was closed. XXXX XXXX XXXX XXXX XXXXXXXX continues to claim that I owe these funds, which I clearly don't, since I didn't write these checks. Please see attachment for further details.
03/29/2018	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 90047	Web
My account through Money network was fraudulently used by a perpetrator in the state of Florida & California. The fraudulent charges total to {$6000.00}. I have direct deposit through my employer and reported this activity on XX/XX/2018 via phone to Customer Service. So far I have heard nothing back from the company and was advised that I would have to wait 45 days to receive a resolution. Meanwhile, I am a single mother, I have no money to support myself, pay my bills or feed my 3 children. Please see attached documents uploaded listed with all fraudulent & unauthorized activity.
11/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	MI XXXXX	Web	Servicemember
XX/XX/XXXX went to b XXXX XXXX XXXX XXXX to purchase important items for our home. TeleCheck refused to honor my check for the purchase three times. A supervisor told me the issue was resolved and to go the next day to complete the transaction. XX/XX/XXXX it was denied again approval after being told by TeleCheck four times to go back again to run the check. TeleCheck should be placed out of business in authorizing checks personal or commercial. To many complaints and is running a Bad Business! *XXXX XXXX XXXX should find another way to authorize checks for their clients.
07/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	WV 250XX	Web
I am so frustrated with Telecheck every time I write a check to a telecheck merchant regardless of amount telecheck denies it and markes it code 3 I have called telecheck numerous times to get this corrected and they informed me that the account is too new and to continue writing checks to build up history with Telecheck I informed them that this was the last time they was going to embarrass me in public by declining my checks I also stated to them how can I build up history if you are always declining them I do n't see how this company can interfere with me and my check writing!
06/29/2018	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	AR 72034	Web
Money was taken out of my account. I have no idea what this website is but it is called XXXX and Ive never heard or used this website. They have took out multiple amounts of money such as {$3.00}, {$7.00}, {$1.00}, and even {$17.00}. It has now put my account into overdraft and everytime I call customer service and type in my card information it says it can not pull up my account. This all happened XX/XX/2018 this morning. I had over {$100.00} in my account and its all gone now. This website is in a different language and somewhere in XXXX. Please help me get my money back.
05/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	MN 56301	Web
We had ordered new check blanks in the mail and they were stolen and used at a couple of locations, XXXX being XXXX XXXX. A police report was filed and XXXX XXXX was contacted. The bank issued us a refund of the fraudulent charges and then I received collection letters in the mail from TRS Recovery Services trying to get me to pay these charges again. Upon trying to contact this collection agency, their XXXX number is disconnected and when I call the other number and try to give my claim number it types the incorrect number. I want these charges removed from my name!
11/26/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	OK 73034	Web
I have tried for 7 months to close my First Data Merchant Services account. When I do actually get a human on the phone, I just get the " run-around, '' and different answers. They promise to return calls and do n't. They wo n't respond to emails. The have dozens of unethical ways to keep XXXX from canceling. They continue to charge fees and once a person finally threatens them are told they will have to pay a {$500.00} termination fee, but they keep the person paying their monthly fees. Very unethical. The Internet is filled with others who have the same issues.
08/16/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	TX 78746	Web	Older American
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. The accounts I am disputing are from XXXX XXXX
04/18/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD 20770	Web
XXXX XXXX XXXX XXXX XXXX. reference # '' XXXX XXXX The notice sent to me is dated XX/XX/2019 from a check written in XXXX. I have never been notified by XXXX XXXX XXXX of the check being returned ; this is the first time I'm notified and it's already with a collection agency. I tried to dispute with XXXX XXXX the same, but without providing my bank account and driver license information-I can not dispute their reporting/collecting. I'm resolving with the creditor, but given how this was handled, I would like this to be removed from their reporting/records.
09/05/2018	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	MN 559XX	Web
I recently checked my balance on the card and was told by the company that there was XXXX $ in my account, I then attempted to use the card to withdraw XXXX $ from an atm and was told there were insufficient funds. Immediately afterwards I checked my balance and was told there was XXXX dollars in the account with no explanation as to where the XXXX $ went. This all occurred on XX/XX/18, there was less than an hour in between the times I checked the balance and no explanation as to what would cause a XXXX $ disparity when no purchases were made on the card.
05/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 320XX	Web
Received a letter from TeleCheck Services , Inc. No name attached, only address. Stated billing. XX/XX/XXXX through XX/XX/2019, total amount owed {$430.00} addressed to XXXX XXXX XXXX. Prior resident of this address has been deceased for almost 2 years. Current resident unaware of this company or any charges. Attempted to call TeleCheck services was asked for checking account number, routing number, date of birth, billing ZIP Code before any further information could be provided. When asked to speak to a manager, was sent to a generic voicemail.
12/01/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30014	Web
Somebody stole my checking account routing number and account number and wrote fraud checks. I filed police report, got letter from bank, and notified the stores where checks were written that they were fraud. The bank closed our account out. I forwarded all the above information to XXXX when we received bill. After they reviewed our info they claimed that one check was fake and the other one was not. They are hounding us to pay for one of the false checks that the bank put a stop payment on due to fraud. They have proof that this was fraud.
05/04/2017	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	MA 02138	Web
Several months ago, I bought a XXXX XXXX in XXXX and activated its prepaid feature. The fee schedule ( XXXX XXXX XXXX ) states that there is a monthly fee ONLY if no money is loaded to the card in an 18 month period. I have been loading money and using my card but was still assessed the {$2.00} fee in each of the past 3 months. I have called customer service 5 times about this, and they did not fix the issue. They also gave me incorrect information about what the fees on my account are and refused to transfer me to a supervisor.
10/06/2016	Yes	Money transfers International money transfer	Money was not available when promised	XXXXX	Web
i have account in money network.i used website totalpay to transfer my money with this card on polish account.Ii was XXXX XXXX : XX/XX/2016 XXXX EST.Funds transferred will be available to the recipient by Thursday, XXXX ; funds may be available sooner and i still dont have my money.I called on this number ( XXXX ) 4 day ago and they told me that this issue will be solve in 3 days, but i still dont have a my money.I must come back to my country and first i must take my money with cash machine because in my country i cant make it.please help me
05/21/2019	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble closing card	MA 015XX	Web
My previous employer issued a paycard so I could collect my wages. I used the card to remove all funds from the card onXX/XX/XXXX, and no additional funds have been added to the card. I received a letter ( attached ) from Money Network onXX/XX/XXXX, stating my account has been upgraded, and a Monthly Maintenance Fee may be applied. I called Customer Service to close the account, but have not been able to speak with a representative. Can you please help me close this unused account and avoid any potential fees? Thank you. XXXX XXXX
12/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NC 27713	Web
Telecheck/TRS Recovery is blocking me from using my checking account. On XXXX XXXX, 2016, a check was written to XXXX. XXXX drugstore had a power outage. Put check through twice, but later canceled second charge for {$100.00} for same items. Telecheck/TRS Recovery has issued false report so it can make money that is not owed. XXXX drugstore is aware, but claims it has no control over Telecheck/TRS Recovery ( First Data ). I need a resolution that will remove the block and stop the phone calls daily from various anonymous or hidden numbers.
10/17/2019	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	CA 90038	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2019 TeleCheck XXXX XXXX XXXX XXXX XXXX, MD XXXX CFPB Complaint XXXX - TRACKING NUMBER XXXX XX/XX/2019 I received XXXX XXXX responded latter from I submit complain though CFPB. Today ( XX/XX/2019 ) I went XXXX XXXX and given paper check # XXXX amount of XXXX has been declined. Seven digit dined reference # XXXX I am already tired with dealing with issue and I am going to serious legal action soon. Please fix this issue as soon as possible. Thank you XXXX XXXX XXXX XXXX
10/30/2017	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble using the card to spend money in a store or online	CA 91761	Web
I have an XXXX XXXX XXXX with XXXX XXXX. I have tried to access my funds and use my card to make purchases which resulted in it getting declined every time. I have no access to my funds and have tried to access the app that I use daily and it does n't work, I have also tried calling customer service and have not been able to get through in reaching someone to resolve the issue. It is very frustrating knowing I have money in my account that I need and do n't have any access to not knowing why. Please resolve this issue immediately.
01/06/2016	Yes	Credit reporting	Incorrect information on credit report Personal information	TX 754XX	Web
I applied for a bank account with XXXX on XXXX/XXXX/XXXX and was told that I had something with Telecheck. So I contact telecheck to inquire. I was informed that I have XXXX checks to XXXX check number XXXX for XXXX on XXXX/XXXX/XXXX and check number XXXX XXXX on XXXX/XXXX/XXXX. I requested a copy of my report and was informed I had to provide my drivers license social security number address and a voided check which I AM not comfortable doing. I have no idea what bank account this is and have never wrote a hot check to XXXX.
04/11/2016	Yes	Credit reporting	Incorrect information on credit report Account terms	CA 90025	Web	Servicemember
I signed up at XXXX XXXX for a credit card processing machine. The sales person told me I could try it out and see how it worked for me. I returned the machine to him 2 weeks later stating it was too bulky and the monthly fees were too high for the amount I processed. He took back the machine within the 30 days and I was under the impression this was closed and done. I went to check my credit and see a charge for $ XXXX from First Data and when I called to dispute they said he never closed the account or ended the contract.
04/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	NC 287XX	Web
XXXX XXXX on behalf of First Data Global Leasing made numerous attempts to collect a debt over the course of 4 months. I filed for chapter XXXX bankruptcy protection on XXXX/XXXX/XXXX and had my hearing scheduled for XXXX/XXXX/XXXX. My FINAL Decree was issued on XXXX/XXXX/XXXX. It is my understanding that the initial filing of the petition is meant to stop the debt collection process. Despite me filing on XXXX/XXXX/XXXX, XXXX XXXX still sent the attached collection letter dated XXXX/XXXX/XXXX trying to collect this debt.
12/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	HI XXXXX	Web
XXXX and TRS Recovery Services Inc. are trying to collect a debt for an amount of $XXXX that was not created by me. They have confused my name with another person of the same name but different middle initial. I live in a different U.S. state and have not moved in the past 10 years. I've contacted XXXX and TRS directly but still am receiving these debt collection letters in my mail. I feel violated and harassed and therefore I'm filing this complaint to have them stop and send this bill to the right person or address.
01/19/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	CT 06042	Web	Older American
I have a small business. I have a merchant credit card processing account through First Data Corporation. Without my authorization, First Data deducted ( stole ) {$14.00} from my business checking account on XXXX XXXX, 2016 for " XXXX ''. When I called First Data on XXXX XXXX, 2016 and inquired about the unauthorized charge, I got a sales pitch for the product, and I was told that I could apply for a refund if I did n't want the product. I was then told that I would be called back in a day or two to discuss the matter.
04/02/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 43130	Web
This company calls me continuously, but more problematically : they make you fill out an inquiry form with your bank account and social security number when you call them back before they will even disclose whether or not they are calling for you! I refused, because the debt they have been continuously calling me about is not even mine, but belonged to the person who had my phone number previously. They call on weekend mornings, and while I 'm at work. I just think its sketchy that they would ask for such private info.
02/01/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 486XX	Web
On or about XX/XX/XXXX I received a email from TRS Recovery Services inc with a demand for XXXX. XX/XX/XXXX I mailed them ( tracking number XXXX ) with postal money order in the full amount of XXXX. According to the tracking information provided by the postal service the payment was received on XX/XX/XXXX. On or about XX/XX/XXXX I received a call from XXXX, A representative of the original creditor of XXXX XXXX XXXX, ( XXXX ) XXXX, XXXX claimed I never paid the debt, he demanded I make payment with him.
08/30/2019	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Problem using the card to withdraw money from an ATM	NY 10456	Web
XX/XX/XXXX and XXXX I was trying to withdrawal XXXX each day. According to the Atm the transaction couldn't be completed but I was changed both XXXX $ in total. I was able to call the owner an automatic message said to call the bank to dispute the transactions because they don't give refund or credit. I place a dispute with the bank. Just call the bank today and I was told my dispute waa declined do to a missing info. Was not chance for me to explain my self because I never received the dispute form from them.
11/20/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 14609	Web
I've made several attempts to resolve this with company but was ignored. I asked them to send proof that the debt was mine, which is impossible because I was out of the country when the claimed purchases occurred, which means there was no way for me to make those claimed purchases. They did not send proof, anything with my signature on it, nor did they send any original copies of the checks they claimed that I wrote. At this point it's impeding on my life and I'm fully prepared to go to court for this.
04/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75035	Web
TeleCheck, one of the largest national databases of NSF has no way to dispute an inaccurate report! You must go through the Collection Agency to resolve. I never wrote a check to XXXX XXXX, no idea where one is located. No notice from TeleCheck other than a reference from a collection agency and a statement it will take a minimum of 30 days to investigate. How can Telecheck retain consumer information without a process to correct erroneous reporting ... I can not believe this is tolerated. Ref XXXX
08/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89104	Web
I received a letter from XXXX and telecheck/XXXX XXXX XXXX I was cashing checks from a bank that I do not bank with which is called XXXX XXXX tried to XXXX XXXX XXXX I wouldn't help me told me that account wasn't on my name or is not existed I promptly send telecheck/XXXX XXXX service a fax of my police report and I called XXXX received a second letter and the information in their system was accurate I will send a police report on XXXX that fix the problem ... but please if you can also assist me
09/28/2017	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	FL 33157	Web
In 2012 someone fraudulently used my business data to open a Card Processing Account with XXXX XXXX XXXX & First Data ( www.firstdata.com ). These 2 institutions did not verified my business address, phone and email and never contacted me on their underwriting process. Due to the problems they had with the fraudster they closed those 2 accounts and put my Business information on MATCH List and I am currently unable to open Merchant Account for my business and loosing business due to their fault.
08/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89104	Web
I received a letter from XXXX and telecheck/XXXX XXXX XXXX I was cashing checks from a bank that I do not bank with which is called XXXX XXXX tried to call XXXX XXXX I wouldn't help me told me that account wasn't on my name or is not existed I promptly send telecheck/XXXX XXXX XXXX a fax of my police report and I called XXXX received a second letter and the information in their system was accurate I will send a police report on XXXX that fix the problem ... but please if you can also assist me
10/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 325XX	Web	Older American
On XXXX XXXX, 2016, I received a letter from TRS Recovery Services telling me to send {$500.00} via cashier 's check or Money Order for a XXXX transfer dated XXXX XXXX, 2016 that supposedly had a stop payment on it. My computer was hacked on XXXX XXXX, 2016 and my email account was compromised. They got access to all of my User IDs and Passwords, which have all been changed. In addition, XXXX informed me that my XXXX account was closed by them on XXXX XXXX due to a suspicious activity alert.
07/23/2019	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	PA 161XX	Web
I received fraud charges on my card on XX/XX/2019 for XXXX, and XXXX XXXX XXXX, XX/XX/2019 online XXXX,XX/XX/2019 XXXX XXXX, XX/XX/2019 online XX/XX/XXXX, lots of money gone and they are giving me the run around getting the charges fixed and told me I had to call up all the places that were charged and talk to them to get the money refunded, so I called all the places and they told me I had to go through the card providers to get it all fixed. total run around, my other bank didn't do this
02/22/2019	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	OH 43227	Web
Hello, I recently became employed with my company and received the XXXX XXXX XXXX prepaid card in XX/XX/2018. Second time of get paid on XX/XX/2018 XXXX was taken out of my account by an unknown merchant. In XX/XX/XXXX I had noticed the charges now and it has been now {$510.00} or more. When contacting money net work I have followed everything that have asked me to initiate a proper dispute and still no resolution. Nor an explanation of why I can not get my credit that I earned.
03/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76131	Web
TeleCheck continues to allow fraudulent checks to be written in my name to merchants and provides no relief for ID theft. They continually ask for information they are not entitled to like drivers license number, DOB and SSN. I have not written a paper check in years and there is no path to resolution with this company. I fear that this fraud will negatively impact my perfect credit. The most recent letter is dated XX/XX/19 for a transaction of {$130.00}, reference number XXXX.
03/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76131	Web
TeleCheck continues to allow fraudulent checks to be written in my name to merchants and provides no relief for ID theft. They continually ask for information they are not entitled to like drivers license number, DOB and SSN. I have not written a paper check in years and there is no path to resolution with this company. I fear that this fraud will negatively impact my perfect credit. The most recent letter is dated XX/XX/19 for a transaction of {$130.00}, reference number XXXX.
09/02/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	VA 239XX	Web
I have received reward dollars on a Debit card issued by Money Network. They have my money on the account and are holding it claiming the Federal Government requires them to collect sensitive personal information about me before they will release the funds. Everything I see and read about this Money Network is a horrible review and I 'm in fear that my personal information is now in jeopardy. I wish to report their business practices and unreasonable demands on their patrons.
08/31/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NJ 08060	Web
I opened a XXXX and leased a credit card machine the business was n't doing well and had to be closed. I was told that if I returned the equipment everything would be fine so I did. I was never told that I would be responsible for paying for the equipment even though it was returned to the merchant. The company first data has this account on my credit report and it 's affecting my ability to get a mortgage. Please help me remove this account from my credit report.
12/11/2015	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	NY 11102	Web
XX/XX/2015, I used the Commuter Check Card from ADP to buy the monthly XXXX subway card. The pre-tax benefit amount of {$110.00} was deducted but did n't get added to the subway card. Upon extensive correspondence with XXXX, they informed the said amount was refunded to ADP. ADP initially said they did not get any refund on the card and on sending XXXX 's response letter and refund confirmation to ADP, they stopped responding and still have not issued the refund.
11/07/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 488XX	Web
Back in XX/XX/2019 I had wrote three checks to XXXX and XXXX, I have waited two months after for the telecheck service to attempt present the checks to my bank, they never did cleared my account ive provide the telecheck company everything I got told to give them showing that the check didn't attempt to clear the account. My bank don't have any record of the checks. There are try to get me to pay returned fee. I've try to dispute it they disapprove my dispute.
06/08/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 221XX	Web	Older American
XXXX tried to collect my medical bill without my creditor 's approval, XXXX XXXX XXXX. Apparently XXXX debited my checking account for the amount of {$1300.00} without my approval. As it turns out, I paid the medical bill a few days later with a check to XXXX XXXX XXXX, without realizing XXXX debit against my checking account. In my opinion, this transaction was a totally a fraud. I complained this to my bank. My bank credited the amount within two weeks.
07/10/2019	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	MI 48021	Web
Company put a hold on my sons account..called they told me to fax documents..said it would take 2 to 3 business days..waited almost 2 weeks..called back company said they needed more information emailed information from my phone..while on phone with them..was told to send thru email so they said I had to call right back so I did they had me on hold for 25 minutes..finally got someone on the phone was told they were closed then she hung up the phone on me
11/24/2016	Yes	Other financial service Check cashing	Customer service/Customer relations	MO 63123	Web
Returned check amounts for XXXX are showing as unpaid balance.Telecheck Services were held accountable for illegal services, and innacuracies against consumers. Sued for failure to follow guidelines for check reporting information ; Telecheck was required to pay consumers fees in return for innacuracies. Suit was filed in XX/XX/2014. Several checks that Telecheck states are unpaid, but have been paid are still pending as balance owed on my credit report.
08/13/2016	Yes	Money transfers Domestic (US) money transfer	Other transaction issues	NV 89503	Web
For years I 've never had a problem paying big national chain stores, and local merchants with checks. Two months ago, a company called Telecheck ( First Data ), apparently hired by XXXX, XXXX, and XXXX XXXX began rejecting my checks as, they claim, my check writing pattern is indicative of fraud, though I have never bounced a check in any of these retailers. They are fraudulently representing themselves as having special knowledge when they do n't.
05/13/2016	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	LA 704XX	Web	Older American
TeleCheck declined a check written to XXXX XXXX on XXXX XXXX, 2016 there was no reason for decline since my account had the funds necessary for the purchase. They now want be to send them an extra {$25.00} fee. TRS Recovery sent me a letter stating that telecheck has purchased the dishonored electronic fund transfer. They want me to pay with a debit card now. I have not been able to talk to a person but I faxed them my response to this fraud.
12/19/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NJ 076XX	Web
We are repeatedly getting collection calls from TRS Recovery Services. The one time that we have called back and were actually able to get a person, they will not tell us what the nature of the debt is, who they are trying to collect the debt from, or give any other information that would be helpful in resolving this issue. When we receive calls from this company, normally we can not get a response from anyone and eventually it disconnects.
09/15/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 43214	Web	Older American
Have received XXXX collection letters from TRS Recovery Services Inc claiming I owe {$1200.00} for appliances that were purchased from XXXX. Plus they are attempting to collect an additional {$120.00} for return check fee. Total {$1300.00}. I have neither purchased any goods from XXXX in the last years. I have no XXXX Credit card. Have no idea how they obtained my name and address. I am XXXX years old and know XXXX are targets of fraud.
02/18/2016	Yes	Credit card	Closing/Cancelling account	CA 945XX	Web
My prepaid visa debit card was suspended. I was told I needed to fax them XXXX current id 's which I did. Now they say they need proof of address because I use a po box . I am a motorhome salesman and do n't have a home address. I stay at different campgrounds. They wo n't send my funds to my po box and close my account. It seems they just want to keep my money and keep my card inactive even though the balance shows over XXXX dollars.
03/11/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 95340	Web
XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX XXXX, TX XXXX is attempting to collect on a debt that isn't valid. After paying the original creditor, XXXX, I do not understand why XXXX XXXX XXXX contacted me about any debt from XXXX. Never the less when responding to XXXX XXXX XXXX I provided the payment I.D., that I was given but I have continued to receive notices in the mail in attempt to collect the what has already been paid..
10/12/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	TX 75224	Web
WE opened up Business account at XXXX XXXX XXXX in XX/XX/XXXX. They referred us the First Data for merchant processing. First data closed our account in XX/XX/XXXX ( same month as opened ) and there was {$3500.00} in our account with First data. They said we have to wait 90 days for our money. And they have n't sent our money and wo n't respond to our emails or phone calls. No Im on the match list also. I did n't do anything wrong
05/28/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC XXXXX	Web	Older American, Servicemember
On XXXX XXXX, 2017 I placed an order from XXXX 1 pack of XXXX calculator batteries Order # XXXX. On XXXX XXXX, 2017 we received a collection notice saying that a returned check fee of {$25.00} along with the {$3.00} original order is required ; otherwise consequences from first paragraph of attachment " scan1 '' will take place. I feel that I will have to comply to their wishes ; otherwise my credit can potentially be ruined!!
10/29/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76706	Web	Older American
TRS Recovery Services , Inc. is trying to collect for a returned check for XXXX that is not mine. They are threatening to turn me over to a another collection agency. I called them and they would not listen when I explained this was not my check and that I do no even use this Bank. I researched on the internet and it said this was a scam. There corporate offices address is : XXXX XXXX XXXX, XXXX, Tx XXXX. Phone # XXXX and XXXX
05/19/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MA 024XX	Web	Older American
I am researching whether I have been double-charged for " XXXX XXXX '' survey fees in this and prior years, and whether any intermediaries beyond First Data and XXXX XXXX have inserted themselves ( and charged fees ) into the Credit Card Processing cycle.. I seek to eliminate any such intermediaries ( and eliminate, minimize related fees ), and determine how and why " XXXX XXXX Merchant '' appears as " Bank '' on invoices,
10/30/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 23453	Web	Servicemember
I am getting calls from TSR saying I have a {$2.00} debt with XXXX that was incurred on XXXX/XXXX/2015. I started getting calls on XXXX/XXXX/2015. I called XXXX and I have no such debt. When I called them to tell them to stop calling, they want me to send them my bank account number and routing number and my social security number. They refer to a letter and reference number, neither of which I have ever received.
11/04/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	DE 19701	Web
TRS RECOVERY SERVICES INC. I got 4 letters from this company attempting to collect on XXXX online check Payments never made or authorized by me on a account that i had closed years ago from a result of lost checks from a credit card account. I dispute check number XXXX {$11.00} REF XXXX check number {$60.00} REF XXXX check number XXXX {$20.00} REF XXXX and check number XXXX {$59.00} REF XXXX these are all fraud.
12/01/2016	Yes	Prepaid card Payroll card	Fraud or scam	PA 19150	Web
XXXX sent a money network card with {$1000.00} on the card. On Saturday XXXX XXXX, 2016 I received mail from Money Network stating to send in SS number and Id. I fax the information required and the hold still has not been released. XXXX also fax over document. The company is holding customer funds. and taking personal information from united state consumer. The hold was place on my account on XXXX XXXX, 2016.
06/23/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	VA 23602	Web
A company known as First Data is phoning a friend of mine regarding my account with their company that is overdue after my XXXX went out of business XX/XX/XXXX. My friend, XXXX XXXX ( of XXXX XXXX, Florida ) has nothing to do with my account with First Data ; she is not a signatory on any paperwork or agreements with this company ; and is no way responsible for any business or financial doings with First Data.
06/11/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07450	Web
TeleCheck , Inc., along with its associated debt-collection entity, TRS Recovery Services , Inc., agreed to pay {$3.00} XXXX to settle charges of violating the Fair Credit Reporting Act, the FTC announced Thursday. trs is hounding me for {$100.00} dollars been cashing checks at my local supermarket stop and shop XXXX nj for over 10 yrs no problems then check was rejected and im being hounded for money
01/15/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	VA 22101	Web
I received a request from " Money Network '' to verify my identity. The request was for XXXX of the following items : Social Security card, Passport, Driver 's License, Military I.D., Green card, etc. The letter said they needed these documents to upgrade my account to a Premier Account. They asked for the documents to be mailed to Money Network, XXXX XXXX XXXX XXXX, XXXX GA XXXX. Or, fax to : XXXX.
08/03/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	RI 02893	Web
I received a letter stating I owe a total or {$650.00} ( {$620.00} + {$25.00} returned check fee ) to XXXX # XXXX authorized on XXXX/XXXX/14 TRS Recovery Services , Inc.. I do not write checks at stores and this XXXX in question is located in XXXX. I live in XXXX and I have never been to XXXX. In order to dispute this " debt '' I have to send them all my bank account information per their website.
07/06/2017	Yes	Credit card or prepaid card General-purpose prepaid card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	NY 10036	Web
There is a {$500.00} charge on the card for a money transfer service I purchased from a third party that never happened but they debited my account. Wanted start a dispute. Money Network agreed but they said they had to send me a form to sign first. Never received such a form. XXXX Also contacted them by sending them a letter, still no response. XXXX I have no idea what their intentions are.
02/14/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	MN 554XX	Web	Servicemember
I am still having problems with my personal checks being declined by TeleCheck Services , Inc. I need to know the reason why my checks are still being declined. I want to be able to write and use my personal checks, without my personal checks being declined. I want TeleCheck to approve my personal checks. I have a current available checking account balance of : {$50000.00} with XXXX XXXX XXXX.
12/22/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37615	Web	Servicemember
i keep getting calls about a debt for someone who i dont know. Ive had the same phone # for XXXXyears, ive explained this to the callers which are numerous but they continue to call. Ive done tickets on other callers with this system. It seems however that once CFPB gets XXXX to stop calling they sell that debt to another collector who then sees my number and this starts all over again.
10/05/2017	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	LA 708XX	Web
I wrote a check at XXXX number XXXX they scanned it thru tele check electronic then keep the check and sent it to the bank so the check got paid twice my bank has sent prof to tele check that it was paid to XXXX but tele check keeps sending me papers saying I still owe them. this has been since XX/XX/XXXX and here it is XX/XX/XXXX and they still are bugging me for payment {$49.00}
10/08/2017	Yes	Money transfer, virtual currency, or money service Check cashing service	Confusing or missing disclosures	MT 59701	Web
a check cashing service company used by XXXX XXXX declined my check i asked why was told it was not for insufficient funds it was based on risk factors we had a insufficient check a while back that was paid in full right away yet are check writing history was deleted out of the system we have no problems any where else and we can not get a reasonable answer from XXXX
06/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	DE 199XX	Web
TRS sent us a letter stating we needed to pay a XXXX fee for a check that was not honored at XXXX. We had plenty of money in our account. Apparently the FTC already fined them XXXX XXXX for ripping off people with this scam. Our bank never received a check from them. They never presented the ck for payment. I pray they do not damage our credit. This has got to stop.
01/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 08618	Web
There is nothing on file showing I owe telecheck or XXXX XXXX for any debt. There are refusing to authorize a personsal check for a purchase by giving me an authorizing number. I havent had a problem with this previously especially since its in their system that my account with them is clear. I have not received anything by mail in regards to owing for any checks.
02/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	TN 37920	Web	Servicemember
XXXX or Telecheck has a file that contains incorrect information on me and It has rendered my life useless at times. Im so tired of this. I cant open a bank account. I have done everything imaginable to resolve it and they refuse to correct my file. They decline my accounts. They decline my checks. They are the most heartless unethical company known to man.
09/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CT 06606	Web
This company 's representative lied to me upon signing the contract for the credit card machine. I have the contract but unable to attach at this time. It charged fees it was n't supposed to illegally and I was forced to close my checking accounts. Now almost 6 months later they sent me to collection stating I owe them money when it 's the other way around.
04/05/2015	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	TX 782XX	Web
Telecheck recently reared its ugly, and lying head again. This time XXXX Ran my account through both XXXX and Telecheck, and negative information was reported. I have filed XXXX LAW ENFORCEMENT REPORTS, COUNTLESS AMOUNTS OF AFFIDAVITS THEY HAVE DEMANDED AND AS RECENT AS A WEEK AGO THEY CLAIMED THEY DELETED IT. AS OF FRIDAY, THAT WAS UNTRUE. I AM SICK OF IT
09/11/2018	Yes	Debt collection Other debt	False statements or representation Told you not to respond to a lawsuit they filed against you	WA XXXXX	Web
i went to write a check and was turned down by XXXX and i requested my report and there using my b day but different name and i did not commit this fraud i want this removed i disputed this i now have my legal office writing them there using to different people info and reporting not cool please fix this at once 3rd written response.
08/27/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	OH 44118	Web
please refer to # XXXX I had a acc with XXXX XXXX they closed my acc and are telling me I am stuck with the credit card processor till the end of the contract. I was told I would be let out of it by XXXX in security. XXXX XXXX vice president of consumer affairs was rude condescending. please help its been going on for 4 months.
08/12/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92707	Web
We receive several letters from this company at our address with very similar information but not for our company. I 'm convinced that they send these out to several companies in an attempt to scam money from them. Any type of inquiry requires a routing/bank account number. I believe this is a phishing/exploitation scam.
12/31/2016	Yes	Bank account or service Checking account	Using a debit or ATM card	CA 90680	Web
Almost {$600.00} of my financial aid was taken from someone in a foreign country and the bank keeps telling me they will send me a dispute form to fill out but I never received it. They then told me to fax them but claim that they never received it. It 's been over two weeks and I have n't gotten an update or anything.
07/31/2019	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other service problem	IA 522XX	Web
Multiple phone calls to TeleCheck because customer 's has a new account number due to bank merger. TeleCheck has declined customer 's transactions and caused embarrassment since this is her place of employment. Ample funds are available. TeleCheck has not resolved this issue even with multiple phone calls.
01/22/2016	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	FL 33351	Web
I received several errors and miss matched info and as well devices not working properly or sent to the wrong addresses, thru the company of first data. As I had to dispute and spend time and money on these mistakes made by the company as well as a return label, thru first data of XXXX XXXX XXXX Nd XXXX bank.
05/20/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MI 48207	Web	Older American
I received a letter which was a notice of unpaid electronic fund transfer. The letter did not state who this debt was owed to. They indicated the amount due was {$270.00} with a late check fee of XXXX bringing the total to XXXX This company has paid {$3.00} XXXX dollars in the past for fraudulent activities.
01/15/2016	Yes	Prepaid card Payroll card	Fees	TN 38016	Web
ADP TotalPay card with money network upgraded my account unilaterally without any request from me or any notification to me and charged " account maintenance fees ''. I spoke to the customer service, and they only say they can not reverse but can not explain why the account was upgraded without my request
10/07/2016	Yes	Credit reporting	Incorrect information on credit report Account status	IL 60640	Web
TeleCheck declined my check not based on money in my account but on their incompetent credit assessment. I have only tried to use a check with a merchant twice. The first time was with XXXX, the second time was today with XXXX, both times declined, both times more than adequate funds in the account.
07/17/2018	Yes	Checking or savings account Checking account	Managing an account Cashing a check	IN 46530	Web	Older American
I have tried to Cash checks and was denied at XXXX, XXXX XXXX They said that there is an issue with Telecheck. I owe nothing to them and have money in my checking account. I have the receipt from XXXX showing that is what declined. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX TN XXXX Check declined,
11/24/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL XXXXX	Web
There 's INFLATION & there 's DEPRECIATION! Systems like XXXX XXXX XXXX XXXX XXXX XXXX XXXX S DEPRECIATED in value! I 'm not paying more than {$170.00} for USED VALUE to get my account REINSTATED with XXXX! They can keep with NO EXPIRATION DATE XXXX Store Card ( XXXX 's Credit Card ) with them!
01/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 27537	Web
1st Data continues to report a debt on my credit report that I do not owe. I have disputed this account at the credit bureaus, but they keep verifying it. I have also challenged them directly to verify the debt, but they refuse to supply any documentation to show this debt belongs to me.
11/28/2018	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	NE 68104	Web
I did a reservation for a car rental through XXXX XXXX XXXX on XX/XX/2018. The amount was for XXXX. The transaction was cancelled on the same day. For some reason my card was charged in the about amount on XX/XX/2018. I sent in proof to the FI, but they have denied my dispute claim.
05/06/2016	Yes	Bank account or service Other bank product/service	Using a debit or ATM card	GA 310XX	Web
I woke up and checked my account and found that about 2 hours earlier when I was sleeping a charge of {$100.00} was made at XXXX, i disputed charge and XXXX denied claim with no reason, and I did provide signed doc stating I never made this charge and my card was in my possession.
06/17/2015	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	FL 32907	Web
XXXX store # XXXX in XXXX, try paid with personal check, got decline bi TELECHECK COMPAY. I have money in bank. Called TeleCheck company ask what go on? answer because never pay with check the system take action. ( negative? ) -because try to use it pay via check? ( not fear )
03/23/2015	Yes	Credit card	Other	IA 50023	Web
My wife and I have lived at our new home for 3 years this XXXX. It is a new address in a new subdivision. The only people that have lived at this address is my wife and I. We have received credit cards and letters from credit card dispute departments in someone else 's name.
05/19/2016	Yes	Bank account or service Checking account	Making/receiving payments, sending money	ID XXXXX	Web
I wanted to pay my XXXX XXXX online and I entered my bank info, and received a message that Telecheck could not process my payment I called the number for Telecheck and there is no option or agent to talk to so I can find out why my bank account info will not go through.
01/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 756XX	Web
I had outstanding checks with my bank, I paid the checks in full and closed the account. I sent the collection agency a letter from the bank stating such. They continued to say I owe the debt. I sent a cease and desist letter certified, and they are STILL contacting me.
03/23/2015	Yes	Credit card	Other	IA 50023	Web
My wife and I have received credit cards and statements from credit card companies addressed to someone else to our address. We have lived in our new home for 3 years this XXXX. No one else has lived at this address. This is a new address/new home in a new subdivision.
04/16/2015	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	HI 96786	Web	Servicemember
Received letter from Money Network in the mail to upgrade an account. I do not know what type of account it is and I do not have an account with Money Network and I believe this is a SCAM. If this is not the right forum or site to report this please let me know where.
06/09/2017	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Can't stop withdrawals from your account	IN 47240	Web	Servicemember
We h ave Business ch ecking with XXXX . Every month were charged a {$43.00} lease payment for the XXXX XXXX . However this device is in operable. We 've reached out to XXXX XXXX XXXX , along with First data who has been almost impossible to get through to.
04/11/2017	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	IL 60616	Web
On XX/XX/2017 received XXXX {$2500.00} checks from adp payroll processing. I deposited checks and told by XXXX that checks fraudulent. I have not been able to receive my payroll deposits from adp payroll. My account with XXXX has been closed due to this incident.
01/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA XXXXX	Web	Servicemember
I have tried numerous times to get this erroneous credit Reporting by First Data resolved. I am requesting a verification of this debt, which I am intitled to receive upon request in writing within 30 days. My mailing address is XXXX XXXX XXXX XXXX CA. XXXX.
08/15/2016	Yes	Bank account or service Other bank product/service	Using a debit or ATM card	GA 31520	Web
I purchased an item online from XXXX XXXX XXXX ( XXXX ), but they did not ship the item. When I contacted them they refused to provide a refund. I contacted my debit card issuer ( XXXX ) and all I have gotten is the runaround, no provisional credit, nothing.
12/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NY 10466	Web
I owed XXXX some money then I filed bankruptcy. The debt was included in my case and was discharged. Even knowing the debt was discharged XXXX blocked my account and still asking me to pay the money. Can I file a lawsuit against them?
01/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55408	Web	Servicemember
The following account opening inquiries listed on my TeleCheck Consumer report are fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX, XX/XX/2018 and XXXX XXXX XXXX XXXX
01/31/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NJ 08859	Web
This collection agency under reference number XXXX is attempting to collect on a debt that is not valid. Was not happy with the merchandise, it was returned. XXXX tracking proof shows that merchandise has been returned.
06/28/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 78382	Web
My account was frozen in XXXX of 2018 due to the Patriot Act. I have submitted multiple times the information they have requested and the bank will not release my funds. Last correspondence with them was XX/XX/2018.
05/20/2015	Yes	Credit reporting	Incorrect information on credit report Public record	MO 641XX	Web
First Data is reporting derogatory and inaccurate information on my XXXX Credit Report. This credit item was listed on my Chapter XXXX Bankruptcy filing and discharged dated XX/XX/2013. Please see attached filing.
11/02/2018	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble closing card	TN 383XX	Web	Servicemember
I had no funds on the card and received a service fee of {$4.00}. When I tried to send an email to cancel the card at the company website I found out that the user can only call the company or mail in a letter.
06/10/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	MN 554XX	Web
I am a victim of identity theft and someone opened up unauthorized and fraudulent checking accounts in my name and wrote bad and outstanding checks in my name using my personal information and stolen identity.
12/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	NJ 07050	Web
XXXX is trying to collect on a debt that was previously being collected on by TRS. I submitted a police report and FTC Affidavit to TRS before they submitted this out to this other collection company
03/03/2017	Yes	Other financial service Check cashing	Customer service/Customer relations	OH 435XX	Web
Both XXXX & XXXX refuse to cash my federal tax return check. They both use Telecheck & XXXX. They say my SSN does not match what they have. We tried it multiple times at each store.
02/09/2018	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	TN 38305	Web
On the XXXX of XXXX I call XXXX XXXX XXXX money network and told them I lost my card deactivate it and they didnt and the person that took my card got money off of it
11/20/2018	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	AZ 85205	Web
Unauthorized charges were made to the card and the XXXX XXXX refused to reverse the charges stating there was inconsistencies with my application form I sent them.
04/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	AL 365XX	Web	Older American, Servicemember
This company has been notified that my father was a victim of identity theft. He had checks stolen from a third party known to him and used in various businesses.
04/21/2018	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	OK 73110	Web
I noticed several unauthorized charges on my account that began on XX/XX/2018. I filed dispute with card company, but am being given the run around.
02/11/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	WA 98109	Web
I purchased a few items on XXXX and paid for them. XXXX has now sent it to a collections agency and are having then extort me for more money.
02/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91601	Web
Someone had used my information and made an unauthorized hard inquiries 1.XXXX XX/XX/XXXX and XX/XX/XXXX 2.FDC/First Data Services XX/XX/XXXX
11/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IN XXXXX	Web
XXXX XXXX WAS SEND CHAPTER XXXX BANKRUPTCY INFO. AND NOW MUST CANCEL DEBT AND REMOVE ALL NEGATIVE CREDIT REPORTING TO XXXX, XXXX, XXXX ETC.
09/06/2017	Yes	Money transfer, virtual currency, or money service Refund anticipation check	Confusing or missing disclosures	TN 38109	Web
I filed my XXXX and I called to ask if I have it deposited in account they said yes but come to find I could n't and never received it!!
09/05/2019	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	CA 90038	Web
I am try to pay with using checks with merchant and always get denied my checks, XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX
05/02/2018	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't get other flexible options for repaying your loan	NC 28208	Web
First Data keeps saying they will return loan to original person for collections cause they no longer have it
06/16/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD 21216	Web
Told me the only was to dispute is in writing which I know there are definitely more ways to dispute this
10/23/2016	Yes	Bank account or service Other bank product/service	Using a debit or ATM card	NV 89110	Web
Money was taken off my account from XXXX I did not sign up for that so how do I get my money back
07/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30126	Web
Unknown account listed on my credit file which I disputed and no response. Please help
04/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	GA 30034	Web
I was informed that I failed a XXXX test and I would like to dispute that accusation.
07/16/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92614	Web
Supposedly I owed {$2.00}. But the company is trying to collect {$150.00}.
11/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 727XX	Web
XXXX AND XXXX XXXX ARE REPORTING INVALID ACCOUNTS AND INQUIRIES.
12/16/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92509	Web
I call and told them the debt is not mind ...
03/03/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11230	Referral

03/03/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	IL 62269	Postal mail

03/02/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60652	Phone	Older American, Servicemember

02/24/2020	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble getting a working replacement card	KS 66214	Web

02/19/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	KY 40342	Phone	Older American

02/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21208	Web	Servicemember

02/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21208	Web	Servicemember

02/04/2020	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	LA 70835	Web

02/04/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	WA 98006	Postal mail

01/16/2020	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	FL 34477	Postal mail	Older American

01/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98102	Web

01/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98102	Web

01/09/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NY 14207	Referral

01/08/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	DE 19962	Phone

01/02/2020	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Trouble using the card to spend money in a store or online	TX 76661	Phone

01/01/2020	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	SC 29646	Web

01/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70835	Web

12/31/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37037	Web	Servicemember

12/12/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	IL 60543	Referral

12/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70835	Web

12/06/2019	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Problem with direct deposit	TN 37774	Phone

12/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92584	Phone

12/04/2019	Yes	Credit card or prepaid card General-purpose prepaid card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card		Phone

12/03/2019	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	IL 60643	Web

11/29/2019	Yes	Credit card or prepaid card General-purpose prepaid card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	TN 37774	Phone

11/25/2019	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	CA 91764	Phone

11/24/2019	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	FL 32747	Web

11/21/2019	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Problem with direct deposit	MD 20744	Phone

11/19/2019	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Problem using the card to withdraw money from an ATM	NY 14606	Phone	Older American

11/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70835	Web

11/13/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 18103	Web

11/12/2019	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card		Phone	Older American

11/07/2019	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TX 78201	Phone

11/04/2019	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	FL 32747	Web

10/31/2019	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TN 37212	Phone

10/29/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NV 89705	Phone	Older American

10/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NJ 08879	Web

10/22/2019	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	CA 92404	Phone	Older American, Servicemember

10/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 35763	Phone

10/17/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 38104	Web	Older American

10/15/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32177	Web

10/09/2019	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NY 11354	Referral

10/08/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 27801	Web

10/08/2019	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NY 11354	Referral

10/04/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95818	Web

10/01/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MS 39701	Web

09/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IN 46250	Web

09/27/2019	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	TX 77336	Phone

09/24/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	GA 30032	Phone

09/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 14609	Web

09/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	FL 33437	Web

09/17/2019	Yes	Credit card or prepaid card Payroll card	Trouble using the card Problem using the card to withdraw money from an ATM		Phone

09/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	FL 33330	Web

09/11/2019	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	VA 23237	Web

09/04/2019	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	MS 39209	Postal mail

09/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33611	Web	Servicemember

08/28/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	NJ 07643	Referral

08/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	AZ 85711	Phone

08/21/2019	Yes	Checking or savings account Checking account	Managing an account Banking errors	MI 48015	Phone

08/21/2019	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	FL 32566	Postal mail

08/20/2019	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	GA 30315	Web

08/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70835	Web

08/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report		Phone

08/12/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 79765	Postal mail

08/06/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30034	Phone	Older American

08/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	NV 89027	Web

07/31/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 21228	Web

07/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 79765	Web

07/18/2019	Yes	Checking or savings account Checking account	Managing an account Cashing a check	CA 95202	Phone

07/17/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60433	Web

07/15/2019	Yes	Checking or savings account Checking account	Managing an account Cashing a check	IL 60433	Web

07/12/2019	Yes	Checking or savings account Checking account	Managing an account Cashing a check	IL 60433	Web

07/08/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33133	Web

07/07/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AR 71913	Web	Servicemember

07/01/2019	Yes	Credit card or prepaid card General-purpose prepaid card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	MI 48235	Referral

06/28/2019	Yes	Credit card or prepaid card General-purpose prepaid card	Problem with a purchase or transfer Overcharged for a purchase or transfer you did make with the card		Phone

06/27/2019	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	NV 89015	Phone

06/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	AZ 85295	Postal mail	Older American

06/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70835	Web

06/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 79606	Web

06/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	NY 11510	Phone

06/14/2019	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	TN 37876	Web

06/14/2019	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Trouble getting information about the card	FL 34785	Phone

06/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 33133	Web

06/04/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28380	Postal mail

06/03/2019	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Problem with direct deposit	FL 32804	Referral

05/28/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 78644	Postal mail

05/26/2019	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 94589	Web

05/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 21769	Web

05/13/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33133	Web

05/02/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	AZ 85027	Web

04/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94503	Web	Servicemember

04/13/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CO 80224	Web

04/10/2019	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	WV 25015	Postal mail

04/10/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MS 38655	Phone	Older American

04/08/2019	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees		Phone

04/05/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	IL 60433	Web

04/05/2019	Yes	Credit card or prepaid card Payroll card	Trouble using the card Problem with direct deposit	MN 55430	Referral

03/28/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	WI 53219	Postal mail

03/15/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 20772	Web

03/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	ME 04106	Postal mail

03/11/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 33442	Web

03/11/2019	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	PA 16323	Phone	Older American

03/07/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals		Phone

03/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 32905	Web

02/25/2019	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	OR 97439	Phone

02/20/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 45241	Referral

02/17/2019	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	TX 75068	Web

02/14/2019	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 94608	Web

02/07/2019	Yes	Checking or savings account Checking account	Closing an account Can't close your account		Phone	Older American

02/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32177	Web

02/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report		Postal mail

01/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29223	Web	Servicemember

01/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43011	Phone

01/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91767	Web

01/23/2019	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble using the card to spend money in a store or online	CA 91405	Phone	Servicemember

01/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	FL 34613	Phone	Older American

01/23/2019	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Don't want a card provided by your employer or the government		Phone

01/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48312	Web

01/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	NJ 07060	Web

12/27/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid		Postal mail

12/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 36541	Phone

12/13/2018	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	OR 97218	Referral

12/10/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	MO 63016	Phone

12/06/2018	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	AR 72102	Web

12/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91403	Postal mail

12/01/2018	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	IL 60433	Web

11/30/2018	Yes	Money transfer, virtual currency, or money service Debt settlement	Fraud or scam	XXXXX	Web

11/24/2018	Yes	Checking or savings account Checking account	Managing an account Cashing a check	UT 84088	Web

11/14/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases		Phone

11/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report		Phone

11/01/2018	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	NY 10452	Postal mail

10/29/2018	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card		Phone

10/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MD 21239	Phone

10/22/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 754XX	Web

10/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	LA 70003	Phone

10/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Problem canceling credit monitoring or identify theft protection service	AZ 85233	Phone

10/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75503	Web

10/03/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	KY 40361	Referral

10/02/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	WI 53572	Referral

10/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	AZ 85233	Phone

09/20/2018	Yes	Money transfer, virtual currency, or money service Virtual currency	Confusing or missing disclosures	VA 22603	Web

09/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33470	Postal mail

09/10/2018	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TX 76116	Referral	Servicemember

09/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

09/04/2018	Yes	Credit card or prepaid card Payroll card	Trouble using the card Problem using the card to withdraw money from an ATM	WV 26032	Phone

09/01/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33331	Web

08/28/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 70056	Web

08/24/2018	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble using the card to spend money in a store or online	TX 78221	Phone

08/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30102	Web	Older American

08/23/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77388	Postal mail

08/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91316	Web

08/20/2018	Yes	Credit card or prepaid card Payroll card	Trouble using the card Problem with direct deposit		Phone

08/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	CT 06415	Referral

08/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	TX 76008	Postal mail

08/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect		Phone

08/06/2018	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 93436	Web

08/06/2018	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Transaction was not authorized		Phone

08/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36116	Web

07/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85086	Referral

07/26/2018	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	NY 13208	Phone

07/10/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 95205	Web

07/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	CT 06851	Phone

07/04/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70056	Web

07/03/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 21208	Web	Servicemember

07/03/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 21208	Web	Servicemember

06/28/2018	Yes	Checking or savings account Checking account	Managing an account Cashing a check	HI 96707	Postal mail

06/28/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 21208	Web	Servicemember

06/27/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 97383	Referral

06/23/2018	Yes	Checking or savings account Checking account	Managing an account Banking errors	CA 94062	Web

06/21/2018	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	NV 89142	Phone

06/15/2018	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	FL 33592	Phone

06/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Didn't receive services that were advertised	CA 90038	Web

06/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NC 28645	Phone

06/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KY 41105	Referral

06/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate		Fax

06/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37421	Web	Servicemember

06/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37421	Web	Servicemember

06/05/2018	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble using the card to spend money in a store or online		Phone

05/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78006	Postal mail

05/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 99217	Postal mail

05/22/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	PR 00729	Postal mail

05/21/2018	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	MN 55038	Phone

05/21/2018	Yes	Checking or savings account Checking account	Managing an account Fee problem	OH 43525	Referral

05/17/2018	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	CT 06424	Referral

05/04/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WV 25177	Postal mail

05/03/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 33025	Phone

04/27/2018	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble getting information about the card	CA 95035	Phone

04/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	UT 84040	Web

04/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70726	Phone

04/24/2018	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	NM 87506	Referral	Servicemember

04/20/2018	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	CA 95448	Web

04/18/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33331	Web

04/16/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30755	Web

04/09/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78006	Postal mail

04/05/2018	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	NY 11369	Referral

04/04/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29229	Web	Servicemember

04/03/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91741	Web

03/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	WA 98225	Phone

03/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30047	Web

03/15/2018	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	IL 60491	Web

03/08/2018	Yes	Checking or savings account Checking account	Managing an account Cashing a check		Phone

03/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90003	Web	Servicemember

02/28/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals		Phone	Servicemember

02/27/2018	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	AR 72450	Postal mail

02/21/2018	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TN 38464	Postal mail

02/20/2018	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	LA 70538	Web

02/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OK 74137	Web

02/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OK 74137	Web

02/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60187	Web	Older American

02/05/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CO 80233	Web

01/30/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94619	Web

01/27/2018	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Trouble using the card to spend money in a store or online	NV 89107	Web

01/25/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	UT 84074	Web

01/25/2018	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble using the card to spend money in a store or online	AL 35960	Web

01/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22308	Referral

01/19/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OK 74137	Web

01/17/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70508	Web

01/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	LA 70043	Web

01/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11229	Web

01/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98584	Referral

01/10/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94621	Web

01/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90062	Web

01/07/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77044	Web

01/03/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 93108	Web

12/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	WA 98203	Web

12/19/2017	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	LA 70420	Postal mail

12/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MI 49017	Web

12/06/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32404	Web

12/06/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	IL 60620	Referral

12/05/2017	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	MI 48221	Phone

12/01/2017	Yes	Credit card or prepaid card Payroll card	Trouble using the card Problem using the card to withdraw money from an ATM	CA 95126	Web

11/30/2017	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble closing card	MA 01907	Web

11/28/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77407	Web

11/27/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60119	Postal mail

11/27/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60119	Postal mail

11/20/2017	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised		Phone

11/13/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	UT 84070	Web

11/08/2017	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	GA 312XX	Web

11/03/2017	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble using the card to pay a bill	MT 59105	Postal mail

10/27/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OK 74055	Referral

10/26/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 86403	Phone

10/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect		Phone

10/23/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07020	Web

10/23/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07020	Web

10/23/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07020	Web

10/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	OK 74801	Web

10/16/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 95818	Web	Servicemember

10/15/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OK 74105	Web

10/15/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OK 74105	Web

10/03/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85392	Web

09/27/2017	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	CT 06776	Web

09/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92202	Web	Servicemember

09/20/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 80904	Web	Older American

09/14/2017	Yes	Checking or savings account Checking account	Opening an account Confusing or missing disclosures	TN 38556	Referral

09/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85086	Web	Servicemember

09/07/2017	Yes	Credit card or prepaid card Payroll card	Trouble using the card Problem with a check written from your prepaid card account	OH 45694	Web	Servicemember

09/05/2017	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	NY 11575	Referral

09/02/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	AR 72653	Web	Servicemember

08/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	MD 21060	Web

08/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48120	Web

08/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MI 48240	Web

08/21/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78231	Web	Older American, Servicemember

08/12/2017	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NV 89148	Web	Servicemember

08/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	CA 95945	Web

08/09/2017	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble getting a working replacement card	MD 21044	Web

08/01/2017	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	IA 50401	Web

07/24/2017	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card		Phone

07/24/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92532	Web

07/13/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours		Phone

07/07/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MD 21009	Postal mail

07/06/2017	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	NJ 08854	Web

07/05/2017	Yes	Checking or savings account Other banking product or service	Opening an account Unable to open an account	PA 19121	Web

07/03/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 32795	Web

06/28/2017	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 91301	Web

06/27/2017	Yes	Credit card or prepaid card Payroll card	Trouble using the card Problem with a check written from your prepaid card account	MN 55112	Postal mail

06/26/2017	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	FL 33647	Web	Servicemember

06/26/2017	Yes	Checking or savings account Checking account	Opening an account Confusing or missing disclosures	TN 38501	Phone	Servicemember

06/19/2017	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	NC 27253	Web

06/06/2017	Yes	Checking or savings account Checking account	Managing an account Cashing a check	IL 60640	Web

06/01/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	IL 60433	Web

05/30/2017	Yes	Checking or savings account Other banking product or service	Managing an account Cashing a check	FL 33458	Postal mail

05/30/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32708	Web

05/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	CA 92009	Phone

05/12/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 21750	Phone

05/12/2017	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	CA 92703	Phone

05/11/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	OR 97701	Referral

05/02/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IN 46131	Web

04/15/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	WA 98272	Web

04/12/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	NM 87109	Web	Servicemember

04/03/2017	Yes	Other financial service Check cashing	Fraud or scam	IN 46383	Web	Older American

03/28/2017	Yes	Bank account or service Checking account	Deposits and withdrawals	NY 13502	Phone	Servicemember

03/28/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77084	Referral

03/27/2017	Yes	Bank account or service Checking account	Deposits and withdrawals	TX 77532	Postal mail	Servicemember

03/22/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 91355	Postal mail

03/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33308	Web

03/19/2017	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	FL 33308	Web

03/19/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 14850	Web

03/19/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 27613	Web	Older American, Servicemember

03/15/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	MS 39766	Postal mail	Older American, Servicemember

03/13/2017	Yes	Other financial service Check cashing	Customer service/Customer relations	PA 18940	Web

03/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77541	Fax

03/06/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91504	Web

03/06/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91504	Web

03/01/2017	Yes	Money transfers Domestic (US) money transfer	Other service issues	LA 70433	Web

02/28/2017	Yes	Credit card	Other	WA 99205	Referral

02/27/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	VA 22851	Fax

02/25/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 33020	Web

02/24/2017	Yes	Prepaid card Payroll card	Adding money	IN 47203	Phone	Servicemember

02/21/2017	Yes	Prepaid card Payroll card	Managing, opening, or closing account	OK 73533	Phone	Servicemember

02/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MS 38801	Web

02/15/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 34972	Postal mail	Older American, Servicemember

02/06/2017	Yes	Credit card	APR or interest rate	NJ 07746	Referral

02/04/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	SC 29708	Web

02/03/2017	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	FL 33436	Web

01/31/2017	Yes	Other financial service Check cashing	Excessive fees	NV 89104	Referral

01/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CT 06424	Web

01/24/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 79763	Postal mail	Older American

01/19/2017	Yes	Other financial service Check cashing	Customer service/Customer relations	TX 75965	Fax	Older American

01/11/2017	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NC 27284	Web

01/11/2017	Yes	Credit card	Other	CA 91604	Web

01/09/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75248	Web

01/05/2017	Yes	Bank account or service Checking account	Problems caused by my funds being low	PA 15431	Phone

01/04/2017	Yes	Other financial service Check cashing	Customer service/Customer relations	GA 30043	Postal mail

12/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	IA 50313	Web

12/28/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 94601	Web

12/18/2016	Yes	Other financial service Debt settlement	Unexpected/Other fees	MS 39212	Web	Servicemember

12/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30331	Web

12/13/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	OH 44425	Postal mail	Older American

12/12/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 92562	Phone	Older American

12/10/2016	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	NC 27295	Web

12/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MN 55436	Referral

12/01/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11367	Web

11/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 23661	Referral

11/22/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	CO 80701	Web

11/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11746	Web

11/15/2016	Yes	Prepaid card Payroll card	Managing, opening, or closing account	DC 20002	Web

10/27/2016	Yes	Credit reporting	Incorrect information on credit report Account status	NC 28040	Postal mail

10/27/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11367	Web

10/25/2016	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	FL 34653	Phone

10/17/2016	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	MD 21658	Web	Older American

10/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	RI 02889	Web

10/04/2016	Yes	Credit card	Other fee	FL 34465	Postal mail

09/29/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	GA 30022	Web

09/23/2016	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	KY 40391	Referral

09/23/2016	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	CA 95204	Referral

09/23/2016	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	KY 40391	Referral

09/22/2016	Yes	Prepaid card Payroll card	Unauthorized transactions/trans. issues	TX 78720	Web

09/21/2016	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	DC 20001	Phone

09/14/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	PA 19446	Web

09/09/2016	Yes	Other financial service Check cashing	Customer service/Customer relations	NC 28269	Phone	Servicemember

09/07/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33175	Web

09/06/2016	Yes	Credit card	Other	CA 92065	Phone

09/05/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	TX 77070	Web

09/02/2016	Yes	Credit card	Billing disputes	FL 32765	Fax

08/31/2016	Yes	Bank account or service Checking account	Making/receiving payments, sending money	FL 32789	Referral

08/22/2016	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	NY 10001	Web

08/19/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	CA 92233	Web

08/11/2016	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	TX 77014	Referral

08/10/2016	Yes	Prepaid card Payroll card	Managing, opening, or closing account	TX 78723	Web

08/10/2016	Yes	Prepaid card Payroll card	Managing, opening, or closing account	TX 78701	Postal mail

08/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	RI 02874	Web

08/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95467	Web	Older American

08/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 34613	Web

07/29/2016	Yes	Prepaid card Payroll card	Managing, opening, or closing account	CA 92264	Referral

07/29/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NY 10312	Phone	Older American

07/27/2016	Yes	Credit card	Billing disputes	FL 32765	Postal mail

07/26/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	NH 03247	Postal mail	Older American

07/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MN 55304	Fax	Older American

07/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 93250	Web

07/08/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	TX 77379	Postal mail

07/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	WI 53523	Web

07/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 78233	Web	Older American, Servicemember

07/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CT 06896	Web

06/21/2016	Yes	Credit card	Transaction issue	CO 80260	Phone

06/17/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 94603	Web

06/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 95173	Web

06/13/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NV 89121	Postal mail

06/09/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	MI 48205	Phone

06/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OK 74011	Web

06/07/2016	Yes	Prepaid card Payroll card	Unauthorized transactions/trans. issues	CA 93420	Phone

06/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	WI 54521	Fax

06/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 07936	Referral

05/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 31763	Web

05/25/2016	Yes	Prepaid card General purpose card	Unauthorized transactions/trans. issues	IL 60639	Referral

05/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	SC 29464	Web

05/08/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75216	Web

05/05/2016	Yes	Prepaid card General purpose card	Managing, opening, or closing account	OH 44657	Referral

05/05/2016	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	PA 17110	Web	Servicemember

05/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NJ 08035	Referral

05/04/2016	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	CA 91320	Web

05/03/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33433	Postal mail

05/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 23233	Web

04/29/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	OH 44129	Referral

04/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NC 27104	Referral

04/22/2016	Yes	Bank account or service Other bank product/service	Deposits and withdrawals		Referral

04/22/2016	Yes	Credit reporting	Incorrect information on credit report Account terms	CA 92120	Web

04/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 17042	Phone

04/15/2016	Yes	Other financial service Check cashing	Customer service/Customer relations	AK 99669	Phone

04/14/2016	Yes	Bank account or service Checking account	Making/receiving payments, sending money	CA 93720	Web

04/14/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OR 97317	Referral

04/08/2016	Yes	Bank account or service Other bank product/service	Using a debit or ATM card	TX 78163	Phone	Older American, Servicemember

04/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 94585	Phone

04/07/2016	Yes	Credit reporting	Incorrect information on credit report Account status	NC 27377	Phone	Older American, Servicemember

04/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	KY 40370	Web

04/05/2016	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	TX 76105	Referral

04/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78155	Phone	Servicemember

04/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78155	Phone	Servicemember

03/31/2016	Yes	Prepaid card ID prepaid card	Managing, opening, or closing account	TX 78745	Web

03/28/2016	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	CO 80120	Web	Older American

03/24/2016	Yes	Credit reporting	Incorrect information on credit report Account status	FL 34668	Web

03/16/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	CA 92660	Referral

03/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60177	Phone

03/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IL 62918	Postal mail

03/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 90022	Postal mail

02/23/2016	Yes	Bank account or service Checking account	Making/receiving payments, sending money	WI 54303	Web

02/06/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	WI 53018	Web

02/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NH 03062	Referral

02/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92395	Web

02/03/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NH 03062	Referral

02/03/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NH 03062	Referral

01/30/2016	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	GA 31059	Web

01/29/2016	Yes	Prepaid card Payroll card	Adding money	FL 32835	Phone

01/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 43212	Web

01/22/2016	Yes	Credit reporting	Credit reporting company's investigation Inadequate help over the phone	NJ 07010	Fax	Older American

01/21/2016	Yes	Bank account or service Checking account	Making/receiving payments, sending money	NY 10029	Postal mail

01/14/2016	Yes	Credit reporting	Credit reporting company's investigation Inadequate help over the phone		Phone

01/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NH 03062	Referral

01/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NH 03062	Referral

01/06/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	FL 32126	Referral

01/06/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NY 11411	Referral

01/05/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 76063	Web

12/28/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	VA 23462	Phone	Older American

12/28/2015	Yes	Money transfers Domestic (US) money transfer	Fraud or scam	IN 46307	Web	Older American

12/23/2015	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	TN 37067	Phone

12/22/2015	Yes	Credit reporting	Credit monitoring or identity protection Problem with fraud alerts	CO 80232	Web	Older American

12/21/2015	Yes	Credit reporting	Incorrect information on credit report Account status	FL 33178	Postal mail

12/18/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 94541	Web

12/17/2015	No	Credit card	Transaction issue	WA 98104	Web

12/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75223	Web

12/12/2015	Yes	Credit reporting	Incorrect information on credit report Account status	WA 990XX	Web

12/11/2015	Yes	Prepaid card Payroll card	Overdraft, savings or rewards features	PA 18222	Web

12/10/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	TN 37650	Referral

11/27/2015	Yes	Credit reporting	Credit reporting company's investigation Inadequate help over the phone	OH 43440	Referral

11/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 33160	Postal mail

11/24/2015	Yes	Prepaid card General purpose card	Managing, opening, or closing account	VT 05450	Web

11/20/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	TX 76468	Referral

11/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75126	Web

11/17/2015	Yes	Prepaid card General purpose card	Managing, opening, or closing account	FL 32792	Phone

11/13/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MA 02155	Web

11/13/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	NC 27857	Web

11/12/2015	Yes	Prepaid card Payroll card	Fraud or scam	KS 66209	Web

11/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 93304	Fax	Older American, Servicemember

11/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 93304	Fax	Older American, Servicemember

11/04/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IN 46808	Postal mail	Older American

11/03/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NY 11758	Web

11/03/2015	Yes	Bank account or service Checking account	Making/receiving payments, sending money	CA 92110	Referral

11/02/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	GA 30088	Web

11/01/2015	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	TX 76006	Web

10/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AL 36304	Postal mail

10/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MN 56379	Phone	Older American

10/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MN 55118	Referral

10/13/2015	Yes	Credit card	Closing/Cancelling account	LA 71107	Web

10/04/2015	Yes	Credit reporting	Unable to get credit report/credit score Problem getting report or credit score	SC 29203	Web

10/01/2015	Yes	Other financial service Check cashing	Customer service/Customer relations	OK 73132	Phone	Servicemember

10/01/2015	Yes	Credit reporting	Incorrect information on credit report Account status	KY 40068	Postal mail

09/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MO 64801	Phone	Older American

09/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 93651	Phone	Older American

09/28/2015	Yes	Money transfers International money transfer	Money was not available when promised	XXXXX	Web

09/23/2015	Yes	Payday loan	Applied for loan/did not receive money	DC 20020	Fax	Older American

09/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	KS 66210	Web

09/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MO 63055	Phone

09/18/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 79563	Web

09/15/2015	Yes	Bank account or service Checking account	Making/receiving payments, sending money	LA 70503	Postal mail

09/11/2015	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	DC 20007	Phone	Older American

09/09/2015	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	CA 96003	Web

08/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 95822	Referral

08/21/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	KY 41035	Postal mail	Servicemember

08/21/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	KY 41035	Postal mail	Servicemember

08/21/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	GA 30024	Web

08/21/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	GA 30024	Web

08/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	ME 04950	Postal mail	Older American

08/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	ME 04950	Postal mail	Older American

08/07/2015	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TN 37331	Web

08/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 76502	Web

08/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 76502	Web

08/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77069	Postal mail

08/02/2015	Yes	Bank account or service Checking account	Using a debit or ATM card	NE 68104	Web

08/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	SC 29720	Web

07/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	KY 42728	Phone	Servicemember

07/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76114	Referral	Older American

07/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AL 35453	Web	Older American

07/23/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	MA 01864	Web

07/18/2015	Yes	Bank account or service Checking account	Making/receiving payments, sending money	DE 19701	Web

07/16/2015	Yes	Other financial service Check cashing	Fraud or scam	KS 66502	Postal mail

07/10/2015	Yes	Other financial service Check cashing	Unexpected/Other fees	TX 77550	Web

07/07/2015	Yes	Credit card	Billing disputes	NJ 08824	Web

07/06/2015	Yes	Prepaid card Payroll card	Managing, opening, or closing account	MD 21220	Web

06/30/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 95648	Web

06/25/2015	Yes	Bank account or service Checking account	Problems caused by my funds being low	CA 91773	Referral

06/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	AZ 85353	Phone

06/15/2015	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	CA 95070	Web	Older American, Servicemember

06/05/2015	Yes	Prepaid card Payroll card	Unauthorized transactions/trans. issues	GA 30127	Phone

06/03/2015	Yes	Other financial service Check cashing	Customer service/Customer relations	OH 45133	Phone

05/22/2015	Yes	Credit card	Closing/Cancelling account	NY 10028	Web

05/22/2015	Yes	Prepaid card Payroll card	Unauthorized transactions/trans. issues	TN 37013	Phone

05/21/2015	Yes	Credit reporting	Credit monitoring or identity protection Billing dispute	PA 18966	Web	Older American

05/17/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	IN 46986	Web

05/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85379	Web

05/05/2015	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	CA 96049	Web	Older American

04/10/2015	Yes	Credit reporting	Incorrect information on credit report Account status	IL 60426	Postal mail

04/07/2015	Yes	Prepaid card General purpose card	Unauthorized transactions/trans. issues	GA 30338	Postal mail

04/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NV 89103	Phone	Older American

03/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	WI 54971	Referral

03/25/2015	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	MS 38756	Web

03/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	KS 67701	Phone

03/19/2015	Yes	Prepaid card General purpose card	Unauthorized transactions/trans. issues	GA 30338	Web

03/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78757	Postal mail

03/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	OH 45682	Web

03/16/2015	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	CA 90241	Web

03/14/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	MD 21601	Web

03/12/2015	Yes	Credit reporting	Incorrect information on credit report Account status	MN 55076	Web

03/11/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	NC 28117	Web	Older American

03/06/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	TX 79508	Phone

03/05/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	GA 30161	Web

03/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MO 63136	Web

03/05/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CO 80909	Web

03/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CO 81403	Phone	Older American

03/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MN 56301	Web

03/02/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NJ 08830	Web

02/27/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33621	Web	Servicemember

02/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33310	Web

02/26/2015	Yes	Credit reporting	Credit monitoring or identity protection Billing dispute	CA 95814	Referral

02/19/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	SC 29520	Postal mail	Older American

02/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OK 73148	Web

02/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 95776	Web

02/17/2015	Yes	Credit card	Closing/Cancelling account	CA 95828	Web	Older American

02/11/2015	Yes	Credit reporting	Credit reporting company's investigation No notice of investigation status/result	TX 78225	Web

02/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	VI 22655	Phone	Servicemember

02/08/2015	Yes	Debt collection I do not know	Communication tactics Called outside of 8am-9pm	SC 29456	Web

02/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30296	Web

02/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 95776	Web

02/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NE 68111	Web	Older American

02/02/2015	Yes	Credit reporting	Credit reporting company's investigation Inadequate help over the phone	NC 28262	Web

01/28/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	NC 28247	Phone

01/26/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	WV 26070	Web

01/26/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	LA 70130	Web

01/25/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	CT 06475	Web

01/20/2015	Yes	Other financial service Check cashing	Customer service/Customer relations	CA 93905	Web	Servicemember

01/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	RI 02919	Web	Older American

01/17/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	GA 30542	Web

01/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	IL 61839	Postal mail

01/15/2015	Yes	Money transfers Domestic (US) money transfer	Fraud or scam	FL 33170	Phone

01/14/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	VA 23438	Phone

01/13/2015	Yes	Credit card	Closing/Cancelling account	ID 83703	Web

01/12/2015	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	VT 05483	Web

01/08/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 94517	Web

01/06/2015	Yes	Credit reporting	Incorrect information on credit report Public record	FL 34240	Web

01/05/2015	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	GA 30066	Web	Older American

01/02/2015	Yes	Credit card	Other fee	MD 20903	Postal mail

01/02/2015	Yes	Bank account or service Checking account	Making/receiving payments, sending money	MS 38672	Phone

01/01/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	AL 36695	Web	Older American

01/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 94127	Web

12/31/2014	Yes	Credit reporting	Incorrect information on credit report Account status	MS 39236	Web	Older American

12/23/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 94509	Web

12/23/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	ME 04103	Web

12/21/2014	Yes	Credit reporting	Credit reporting company's investigation Inadequate help over the phone	MI 49013	Web

12/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CO 80221	Web

12/17/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33311	Web

12/10/2014	Yes	Credit reporting	Incorrect information on credit report Account terms	OH 43235	Web

12/04/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NY 10310	Web	Older American

12/04/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	CA 92336	Web

12/03/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 93012	Web

12/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 99629	Phone

11/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MO 63334	Web

11/26/2014	No	Other financial service Money order	Customer service/Customer relations	CT 06854	Referral

11/26/2014	Yes	Bank account or service Checking account	Making/receiving payments, sending money	IL 60461	Referral

11/26/2014	Yes	Bank account or service Other bank product/service	Using a debit or ATM card	AL 36111	Web

11/24/2014	Yes	Debt collection Mortgage	Improper contact or sharing of info Talked to a third party about my debt	TX 76018	Fax

11/24/2014	Yes	Credit reporting	Incorrect information on credit report Account status	PA 19525	Web	Older American

11/24/2014	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	LA 71107	Web	Older American

11/20/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NY 10310	Web	Older American

11/18/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 98503	Web

11/16/2014	Yes	Credit reporting	Credit reporting company's investigation No notice of investigation status/result	TX 78225	Web

11/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls		Phone

11/14/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	TX 78504	Web

11/12/2014	Yes	Credit card	Billing disputes	NY 12180	Postal mail

11/05/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	PA 17566	Phone

10/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 91101	Web

10/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	KY 42754	Web

10/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 27562	Fax	Older American

10/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95816	Web

10/25/2014	Yes	Credit reporting	Credit reporting company's investigation Inadequate help over the phone	MS 39183	Web	Older American

10/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	MI 48017	Referral

10/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 92649	Web

10/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90254	Web

10/16/2014	Yes	Other financial service Check cashing	Customer service/Customer relations	KS 66104	Web	Older American, Servicemember

10/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 20147	Web

10/14/2014	Yes	Credit card	Other	NY 41357	Phone

10/13/2014	Yes	Other financial service Check cashing	Customer service/Customer relations	NY 12580	Web	Servicemember

10/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	PA 19460	Web

10/08/2014	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	WA 99336	Web

10/06/2014	Yes	Credit card	Billing disputes	FL 32807	Web

10/05/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	CO 80918	Web

10/01/2014	Yes	Credit card	Closing/Cancelling account	IN 47130	Web

09/30/2014	Yes	Debt collection I do not know	Taking/threatening an illegal action Seized/Attempted to seize property	OK 74055	Web

09/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NY 11102	Web	Servicemember

09/23/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	MA 02472	Web

09/22/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	TX 75701	Phone

09/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called outside of 8am-9pm	OR 97223	Web

09/22/2014	Yes	Other financial service Check cashing	Customer service/Customer relations	WV 25855	Web	Older American

09/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	RI 02806	Web

09/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NC 28027	Web

09/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 92009	Phone

09/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60305	Postal mail

09/12/2014	Yes	Credit card	Payoff process	MI 48135	Web

09/12/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not disclosed as an attempt to collect	MI 48135	Web

09/12/2014	Yes	Credit reporting	Incorrect information on credit report Information is not mine	TX 77581	Web

09/12/2014	Yes	Payday loan	Can't contact lender	OH 43015	Web

09/10/2014	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MI 49625	Web

09/08/2014	Yes	Credit reporting	Credit monitoring or identity protection Problem with fraud alerts	MS 39202	Web

09/06/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	CA 91104	Web

09/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IN 47403	Phone

09/04/2014	Yes	Other financial service Check cashing	Customer service/Customer relations	AL 36532	Web	Servicemember

08/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 61524	Web

08/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 61524	Web

08/26/2014	Yes	Bank account or service Checking account	Making/receiving payments, sending money	LA 70704	Web

08/25/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	LA 70726	Phone

08/22/2014	Yes	Credit reporting	Incorrect information on credit report Information is not mine	TX 77346	Web

08/21/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	SC 29483	Web

08/15/2014	Yes	Credit reporting	Incorrect information on credit report Account status	NJ 08550	Referral

08/13/2014	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	CA 95037	Web

08/08/2014	Yes	Other financial service Check cashing	Customer service/Customer relations	MI 49633	Phone

08/08/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	MI 48170	Fax

08/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	TN 37692	Web	Older American

08/06/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AZ 85282	Referral

08/06/2014	Yes	Prepaid card Payroll card	Fees	MI 48154	Web

08/06/2014	Yes	Credit reporting	Credit monitoring or identity protection Billing dispute	NY 11950	Web	Older American

08/04/2014	Yes	Prepaid card Payroll card	Managing, opening, or closing account	MA 01440	Web

07/31/2014	Yes	Credit reporting	Incorrect information on credit report Account terms	AL 35611	Web	Older American

07/30/2014	Yes	Bank account or service Other bank product/service	Problems caused by my funds being low	NY 11362	Web

07/29/2014	Yes	Bank account or service Cashing a check without an account	Deposits and withdrawals	TX 75941	Phone

07/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AR 71913	Web	Older American

07/27/2014	Yes	Debt collection I do not know	Communication tactics Called outside of 8am-9pm	AZ 85119	Web

07/23/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 75501	Web

07/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 93436	Web

07/18/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	MD 21015	Postal mail

07/17/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SC 29681	Web

07/17/2014	Yes	Credit reporting	Incorrect information on credit report Account terms	SD 57754	Web

07/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CO 80421	Web

07/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 93628	Phone

07/14/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30114	Web

07/14/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	GA 30187	Phone

07/08/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75948	Postal mail	Older American, Servicemember

07/07/2014	Yes	Debt collection I do not know	Communication tactics Called outside of 8am-9pm	NY 10524	Web

07/07/2014	Yes	Bank account or service Checking account	Problems caused by my funds being low	PA 15428	Phone	Older American, Servicemember

07/06/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95833	Web

07/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AL 36693	Web

06/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 90065	Web	Older American

06/26/2014	Yes	Credit reporting	Incorrect information on credit report Account terms	FL 32003	Web

06/25/2014	No	Bank account or service Other bank product/service	Making/receiving payments, sending money	FL 32328	Web	Servicemember

06/24/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	LA 70544	Postal mail	Older American

06/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 44646	Web

06/17/2014	No	Bank account or service Other bank product/service	Making/receiving payments, sending money	TX 76542	Phone	Servicemember

06/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 92262	Phone

06/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OH 44060	Phone	Older American

06/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 78748	Phone

06/09/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	AK 72376	Phone

06/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MI 48105	Phone

06/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92618	Phone

05/31/2014	Yes	Bank account or service Checking account	Making/receiving payments, sending money	NY 10704	Web

05/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 78244	Web

05/29/2014	Yes	Bank account or service Checking account	Using a debit or ATM card	MD 20744	Web

05/29/2014	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	DC 20008	Web

05/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91173	Phone

05/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	PA 18966	Phone	Older American

05/28/2014	Yes	Credit card	Closing/Cancelling account	TX 78045	Web

05/21/2014	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	ID 46131	Phone

05/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 93021	Web

05/19/2014	Yes	Bank account or service Checking account	Making/receiving payments, sending money	MS 39046	Phone	Servicemember

05/16/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CT 06483	Phone	Servicemember

05/15/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 45601	Web

05/13/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 76116	Web

05/09/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OR 97209	Web

05/05/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OR 97526	Web	Older American

05/02/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	CA 91730	Web

05/02/2014	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NC 28358	Web	Servicemember

05/01/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NY 10004	Web

04/30/2014	No	Credit card	Other	MI 48189	Web

04/29/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	CA 93727	Phone

04/28/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 08021	Web

04/28/2014	No	Bank account or service Other bank product/service	Account opening, closing, or management	PA 19023	Web

04/24/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NE 68134	Phone	Older American

04/23/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	OR 97232	Web	Older American

04/23/2014	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60628	Phone

04/21/2014	No	Bank account or service Checking account	Account opening, closing, or management	CA 90045	Web

04/18/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 32807	Referral

04/17/2014	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 92376	Web	Older American, Servicemember

04/15/2014	No	Credit reporting	Incorrect information on credit report Personal information	CA 95608	Web	Older American

04/14/2014	No	Credit reporting	Credit monitoring or identity protection Billing dispute	CA 95814	Postal mail

04/11/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	DE 19940	Phone	Older American

04/09/2014	No	Credit reporting	Credit reporting company's investigation No notice of investigation status/result	NY 14301	Postal mail

04/08/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OR 97530	Web	Older American, Servicemember

04/08/2014	No	Bank account or service Checking account	Making/receiving payments, sending money	CA 93292	Web

04/07/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 31807	Web	Servicemember

04/07/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85305	Phone

04/04/2014	No	Credit reporting	Unable to get credit report/credit score Problem getting report or credit score	IL 60465	Referral

04/01/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AL 35062	Fax	Older American, Servicemember

03/27/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32765	Web

03/27/2014	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 94403	Web

03/26/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 76201	Web

03/24/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 31410	Web	Older American

03/21/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 43228	Web	Older American

03/17/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 43213	Phone	Older American

03/17/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	PA 16735	Web

03/14/2014	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NY 10065	Referral

03/13/2014	No	Bank account or service Checking account	Deposits and withdrawals	IN 47042	Web

03/12/2014	No	Credit reporting	Incorrect information on credit report Information is not mine	TX 78225	Web

03/04/2014	No	Credit reporting	Incorrect information on credit report Account status	IL 60459	Postal mail

02/23/2014	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	OH 44224	Web

02/22/2014	No	Bank account or service Other bank product/service	Account opening, closing, or management	TX 75230	Postal mail

02/20/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 96067	Fax	Older American

02/20/2014	No	Bank account or service Other bank product/service	Making/receiving payments, sending money	NY 10026	Web

02/18/2014	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	VT 05465	Web

02/17/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CO 80909	Web	Older American, Servicemember

02/11/2014	No	Money transfers Domestic (US) money transfer	Fraud or scam	NY 10025	Web

02/10/2014	No	Credit reporting	Credit monitoring or identity protection Account terms and changes	VA 23117	Web

02/06/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA 95320	Referral

02/06/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	NV 89134	Referral

02/03/2014	No	Bank account or service Other bank product/service	Account opening, closing, or management	CA 90650	Web

02/02/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	ND 27503	Web	Older American

01/31/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 96150	Web	Older American

01/30/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30088	Phone

01/29/2014	No	Credit reporting	Improper use of my credit report Report improperly shared by CRC	NV 89003	Web	Servicemember

01/23/2014	No	Bank account or service Checking account	Making/receiving payments, sending money	UT 84759	Postal mail

01/21/2014	No	Bank account or service Other bank product/service	Account opening, closing, or management	IN 47933	Postal mail	Older American

01/17/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WA 98801	Web

01/16/2014	No	Bank account or service Other bank product/service	Deposits and withdrawals	AL 35476	Web	Older American, Servicemember

01/13/2014	No	Credit reporting	Incorrect information on credit report Information is not mine	TX 78225	Web	Servicemember

01/10/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32708	Web

01/03/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	WA 98072	Web

01/03/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30116	Phone	Older American, Servicemember

12/30/2013	No	Bank account or service Checking account	Deposits and withdrawals	FL 32348	Referral

12/19/2013	No	Credit reporting	Credit monitoring or identity protection Account terms and changes	WI 53150	Web

12/19/2013	No	Bank account or service Checking account	Making/receiving payments, sending money	IN 46032	Postal mail

12/18/2013	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	RI 02877	Referral

12/16/2013	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 95054	Web

12/16/2013	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	SC 29203	Web

12/13/2013	No	Bank account or service Other bank product/service	Deposits and withdrawals	ME 04982	Phone

12/12/2013	No	Bank account or service Checking account	Making/receiving payments, sending money	IL 62920	Web

11/22/2013	Yes	Bank account or service Cashing a check without an account	Deposits and withdrawals	PA 17013	Web

11/21/2013	No	Credit reporting	Improper use of my credit report Report improperly shared by CRC	MI 48067	Web

11/12/2013	No	Bank account or service Checking account	Making/receiving payments, sending money	NJ 08752	Phone	Older American

11/12/2013	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 95112	Phone	Older American

11/11/2013	No	Credit reporting	Improper use of my credit report Report improperly shared by CRC	MI 48111	Web

11/07/2013	No	Bank account or service Other bank product/service	Making/receiving payments, sending money	TN 38063	Phone	Older American

11/06/2013	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	WI 54932	Web	Older American

11/05/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	LA 70127	Referral

11/04/2013	No	Bank account or service Checking account	Deposits and withdrawals	LA 70056	Postal mail	Older American

11/02/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	GA 30022	Web	Older American, Servicemember

11/01/2013	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 91791	Fax	Older American

10/31/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	MD 20904	Web

10/28/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	MD 21113	Web

10/18/2013	Yes	Money transfers Domestic (US) money transfer	Other service issues	VA 23453	Web	Older American

10/04/2013	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	FL 33990	Referral

09/24/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76135	Web

09/19/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	GA 30331	Referral

09/13/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	CA 94538	Web

09/12/2013	No	Bank account or service Checking account	Making/receiving payments, sending money	TX 75861	Web

09/06/2013	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78221	Referral

08/30/2013	Yes	Credit reporting	Incorrect information on credit report Information is not mine	SC 29203	Web

08/28/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75052	Postal mail

08/28/2013	Yes	Credit reporting	Incorrect information on credit report Information is not mine	FL 33068	Web	Older American

08/28/2013	Yes	Bank account or service Checking account	Making/receiving payments, sending money	FL 34983	Referral

08/26/2013	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 44423	Postal mail

08/25/2013	Yes	Bank account or service Checking account	Deposits and withdrawals	ME 04038	Web

08/05/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 90603	Phone	Older American

07/24/2013	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 45305	Web

07/23/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95616	Web	Older American

07/17/2013	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	MI 48315	Web

07/13/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 21610	Web	Older American

06/28/2013	Yes	Bank account or service Checking account	Making/receiving payments, sending money	ID 83647	Phone

06/07/2013	Yes	Credit reporting	Credit reporting company's investigation Inadequate help over the phone	MO 63303	Web

05/15/2013	Yes	Credit reporting	Incorrect information on credit report Information is not mine	TX 77459	Web

05/14/2013	Yes	Bank account or service Checking account	Making/receiving payments, sending money	FL 32609	Referral

04/22/2013	Yes	Money transfers Domestic (US) money transfer	Other transaction issues	TX 78254	Web	Older American

04/21/2013	Yes	Bank account or service Checking account	Making/receiving payments, sending money	OH 45805	Web

04/17/2013	Yes	Credit reporting	Incorrect information on credit report Account status	SC 29649	Referral

04/08/2013	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	NC 27516	Web

03/22/2013	No	Credit reporting	Credit reporting company's investigation No notice of investigation status/result	VA 24202	Web	Older American

02/08/2013	Yes	Credit reporting	Incorrect information on credit report Information is not mine	FL 33031	Web

01/12/2013	Yes	Credit reporting	Incorrect information on credit report Information is not mine	AL 35034	Web	Servicemember

01/12/2013	Yes	Bank account or service Checking account	Making/receiving payments, sending money	MO 65049	Referral	Older American

01/11/2013	Yes	Credit reporting	Incorrect information on credit report Account status	NM 87191	Fax

12/31/2012	Yes	Bank account or service Checking account	Making/receiving payments, sending money	MS 39574	Web

12/23/2012	Yes	Bank account or service Checking account	Account opening, closing, or management	KY 41465	Web

12/09/2012	Yes	Bank account or service Checking account	Account opening, closing, or management	SC 29579	Web

12/07/2012	Yes	Credit reporting	Incorrect information on credit report Public record	NY 14701	Web

11/19/2012	Yes	Credit reporting	Unable to get credit report/credit score Problem getting my free annual report	CO 80538	Web

11/14/2012	Yes	Bank account or service Checking account	Problems caused by my funds being low	IL 60950	Web

11/02/2012	Yes	Bank account or service Checking account	Making/receiving payments, sending money	GA 30215	Web